BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under the accounts named " XXXX, '' and " XXXX XXXX '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named XXXX XXXX has inconsistencies and errors. XXXX  has incomplete information under the account information. The term of the account is missing. Also XXXX  is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX  's information doesn't give a term. Also, the account number is missing completely in my Equifax report. Under XXXX  the last payment made is inconsistent with the information Equifax gave. My date of last payment is XXXX XXXX, XXXX while XXXX  says that my last payment date was XXXX XXXX, XXXX. Also, XXXX  has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX  credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX  shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While Equifax  says it was charged off in XX/XX/XXXX. However, XXXX  says it was actually charged off in XX/XX/XXXX. XXXX  says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. Equifax  listed the date the account was reported was XXXX XXXX, XXXX. XXXX  and XXXX  both says that the term was 8 months. However, Equifax  says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bank of America reported to XXXX XXXX that I did checking account fraud on my report and never sent any documentation to me about anything. The account was opened in XXXX where I did reside and then I did move to XXXX XXXX Mo shortly after opening the account and still had the account and was never told anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.SXXXX customers. The company set up a website, XXXX, to determine whether or not customer 's information was compromised. 

After accessing the site and entering my data, it revealed that my personal information may have been impacted by this incident. 

Following this, I attempted to run credit reports with the 3 major credit reporting companies, and attempted credit freezes ; I only managed to do a credit freeze with Equifax, ironically, and only obtained a credit report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems first sent me a letter to collect a debt of {$2400.00} in XX/XX/XXXX. The letter stated that I owed XXXX XXXX XXXX  {$2400.00}. I disputed the claim immediately with XXXX. It was not taken off my credit report. I felt I didn't own this money because I had tried to move out over a 4 year period and the landlord refused to let me out of my lease. Each time I would give her notice she would tell me to wait till the last day of the month in my lease to move, then she would threaten eviction sometime in the last two months because my new place wasn't quite ready, I would sign a new lease to keep from being homeless. I partially cleaned up the apartment ( so the landlord should have kept my deposit and that all ). Left the apartment, Almost like it was when I move in 7 years before.

She did not go to court to put it on my credit report but worked with this credit collection agency to establish this false claim. National Credit Systems ( XXXXXXXX XXXX XXXX XXXX, GA XXXX, phone number : XXXX ) refused to send any statement listing as to why I owe this money. XXXX XXXX, the guy that oversees this account claims to be an attorney and has threatened to garnish my check in the XXXX of XXXX. I took them to court in XX/XX/XXXX and lost because this is legal in the state of Mississippi and I did not have supporting documentation at the time of why I felt they owed me XXXX dollars. On XX/XX/XXXX, I received a letter offering a resolution in the amount of XXXX dollars. On XX/XX/XXXX, I paid {$1200.00} for a resolution and report it to XXXX but it is still on my credit report today. The credit collection agency is still asking for another XXXX dollars, although they ( collection agency ) asked for the resolution. They have changed the original date of the complaint to XX/XX/XXXX. They also change the reporting date with other reporting agencies ( XXXX  and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Starting in XX/XX/XXXXall of my credit cards and ATM card have been cloned and used. I still have the cards I have a box of paperwork, too much for me to even sort. my XXXX last XX/XX/XXXXmakes everything hard to do. my checking account with Chase bank has been compromised several times by use of a cloned ATM card. sometimes Chase gives the money back, sometimes they give it on a temp basis and then take it away, leaving me suddenly overdrawn by hundreds of dollars. i have no money to deposit so i get overdraft charges until i borrow some cash from my family. also my credit cards have all been compromised many times. some fraud cases are settled in my favor, some are still in progress. my most recent denial by chase for the unauthorized use of my ATM card was denied because the card was chip enabled and used at a chip enabled store. my Slate credit card also has the famous chip and it gets used all the time and i still have the cards. so far the card has been replaced 6 times with a new one on the way now. Slate approves my claims, why does n't chase ... same bank. i can not pay my bills and my credit score is down 60 points. please help me fight the battle of the chip. My research found that I am protected by law such as the Fair Credit Bill and the Federal Trade Commission. FYI MY CREDIT CARDS ARE ALMOST EXCLUSIVELY USED AT XXXX IN THEIR ELECTRONICS DEPARTMENT. CAN SOMEONE MAKE THEM START CHECKING ID? Opps my wonky fingers hit the cap lock also i telephone the chase fraud people and ask if they could please reopen my case so i could do some investigation, they said my request was denied. I was n't able to attach documents. i have photos of 10 cards that have been replaced. all of them have the chip

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this debt is the result of identity theft and in no way shape or form was was this authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Phoenix Financial Services LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Phoenix financial has reported me to the credit bureau 's with false information including the dates the accounts were opened ( I checked w the bureaus ) in an attempt to re-park my debt for an additional year, not only that when I reached out to them one of the people who work for them lied to me and said that I had made a payment on this account which is impossible because I never opened it to begin with. Not only that they had the wrong name the wrong address and as soon as they noticed my credit was improving they reported me and made my credit go down 30 points with an accurate information. When I called they were extremely rude and unprofessional borderline bullying telling me that I was responsible that this medical bill I incurred was even as a result of [ they made up something ] which I know for a fact I have never been inflicted with in my life I also priced checked with the hospital that they claimed I went to and at the hospital has cited with me and saying that they are incorrect. Phoenix financial services are full of coercive thieves please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had fraud on my account in the amount of XXXX They did a credit adjustment ( XXXX ) and added it to my account, instead of deducting it. 
They charged me a late fee ( which they stated they would n't do ) They charged me interest ( which they stated they would n't do ) They gave me interest back and the late fee, however they would not re-adjust the XXXX plus the XXXX. Total XXXX even though they stated they would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My bank JP Morgan Chase refused to help me to get back the money Ive been scammed. Ive been scammed {$3200.00} if not more and when I spoke with them, my bank have said there is nothing they can do. I did not know they people getting the money were scammers, they have bought my trust completely and slowed me to believe they were legit and I believed. All I want is the money back, this wasnt even my money. This was my sisters money which I was holding onto in my bank account since I dont use this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/18 fraudulent hard inquiry to my XXXX  report by Santander. Attaching relevant police report. XXXX instructed me to contact each company making fraudulent inquiry individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Using a making frequent payments to my account. Used it out of town and they restricted my account. Have been calling for 2 days and no one can tell me why just to wait for someone to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Halsted Financial Services, LLC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has been calling between 2-3 times a day early every day for months. I have told them numerous times that I will not agree to pay a debt until I receive written proof of the debt in detail because I know nothing of this debt. They refuse and told me its against HIPPA laws to disclose that information. But continue to call. They also repeatedly ask for more or different private information when they call and before hey tell me who is calling. Ive just begun to assume its the same place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked XXXX, Transunion, and XXXX for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing my complaint against XXXX XXXX, NewRez and Shellpoint financial, for violation of RESPA 10. Since XX/XX/XXXX, XXXX XXXX  has excessively escrowed my mortgage and failed to correct the amount while knowing it was incorrect. Since XX/XX/XXXX, NewRez/Shellpoint Mortgage, have continued to excessively over charge my escrow account, since purchasing my mortgage from XXXX  XXXX. The amount I'm being escrowed per year is XXXX for taxes and insurance, while my reported annual taxes and insurance for the property is only XXXX I have repeatedly requested verbally, and in writing, that the escrow amount be corrected, but both companies have ignored my request, and as of XXXX, NewRez, has sent me notices for filing foreclosure on my property, as well as sending negative reports to all credit agencies. I have continued to make my mortgage payment to NewRez, and have spent several hours on the phone with their reps to try and resolve the issue, but they continue to demand payment while seeking foreclosure, and damaging my families credit score. NewRez has also failed to pay out the full escrow amount they have collected for insurance, and continue to withhold the money, causing my insurance to be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use it to correspond with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
onemain in florida has called me after was told only call after work I have been called 17 time today XX/XX/2018 I know I owe you but they keep saying we will do a deferment and redo the loan I have losed XXXX dollars per last 2 years. employer did not honor our contract so I have not been able to get my payments with one main lowered they keep adding credit card interest daily my wife has had 2 storkes from stress and now a bad heart I also have something in my XXXX maybe XXXX not for sure this is to much stress on both of us for now please help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: Snow and Sauerteig LLP
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am located in XXXX, CA but my family lives in XXXX Indiana. I was visiting family in Indiana in XXXX of XXXX and due to an XXXX  XXXX contracted earlier in the year in XXXX, had to go into the Emergency room. 

Before going into the E.R., I was experiencing XXXX XXXX XXXX - however, I was under the impression that my insurance was not covered outside of CA. So, I was going to writhe in pain vs. going into the E.R. and getting pinged with medical bills that would insure my children never have an opportunity to go to college. That said, my parents urged my to call XXXX in CA who reassured me I would be covered and to absolutely go in. 

So, I went in to the E.R. in Indiana. Later that year, after reaching my out-of-pocked deductible ( I had XXXX  XXXX which maxed it out ), I receive a collections notice for {$130.00} from Snow & Sauerteig LLP ( I never even received a medical bill to begin with ). I explained to them that I've reached my out-of-pocket deductible to for that year and to take it up with XXXX of CA - they continue to send me messages despite asking them to cease and desist on the phone. 

Now, it's XXXX of XXXX and I just received an additional bill for {$300.00} from XXXX XXXX - I don't even know who/what that is and never received a medical bill to begin with, plus I reached my out-of-pocket deductible, plus, my insurance would've covered it anyway. 

I am a XXXX XXXX - these aren't inconvenient bills, these are devastating financial hardships that are not mine to owe. This is the only " civilized '' country in the world that allows spineless sharks like Snow and Sauerteig LLP to prey on helpless, disenfranchised middle and lower-middle class people like myself. Collection firms like this are the bane of a broken American system and I refuse to remain helpless in the face of corporate medical, financial, and other conglomerate, multi-national institutions that make life miserable for the rest of us while they grow fatter and fatter and fatter.

Company response to consumer: Closed with explanation