BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Synerprise Consulting Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
****THIS IS NOT A DUPLICATE*** This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an annual paid satellite radio subscription with XXXX XXXX on my XXXX XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident and my XXXX XXXX was totaled. On XX/XX/XXXX I spoke with XXXX and explained the situation and asked for my subscription to be SUSPENDED until I had purchased a new vehicle to re-activate and apply the remaining service months to my new vehicle. It was explained to me on that call that the service could be suspended for up to 5 months and I need to call before the 5 months ( no later than XX/XX/XXXX ) to reassign the subscription. On XX/XX/XXXX ( before the 5 month deadline ), I called XXXX and spoke to XXXX to have the service transferred to my new vehicle, XXXX XXXX XXXX. She assured me this would be taken care. Also note, the new XXXX XXXX that I purchased came with a free trial for XXXX that was scheduled to end on XX/XX/XXXX. So with the 6 month credit from the suspended service on the XXXX XXXX and the trial period on the XXXX I should have had XXXX XXXX XXXX through at least XX/XX/XXXX. Well sometime XX/XX/XXXX XXXX shutoff the satellite radio service to my XXXX and I contacted them through a live chat session. During this live chat, my XX/XX/XXXX call was confirmed about suspending service on the XXXX XXXX. Also during that chat, I was told a refund of {$77.00} would be sent to me right away for the unused service, but I never received a refund. So I never received the 6 month service I was due nor did I receive the promised refund check of {$77.00}. 

XXXX owes me at least 6 months of satellite radio or the refund check of {$77.00}. I certainly dont owe them any money. Now they have sent a balance notice to collections trying to collect {$50.00} from me??? They owe me a refund of {$77.00} or satellite radio service in my XXXX for the 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CREDIT CARDS {$1300.00} Reported balance BANK OF AMERICA Last reported XX/XX/XXXX {$1300.00} Reported balance Credit limit {$10000.00} You're using 14 % of your account 's limit OVERVIEW Credit limit {$10000.00} Minimum monthly payment {$35.00} OpenedXXXX XXXX XXXX ( 2 yrs, 5 mos ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status XXXX green_status green_status green_status green_status green_status green_status Current red_status Not current Last paymentXX/XX/XXXX Payment statusCurrent Amount past due {$0.00} Worst payment statusCurrent ACCOUNT DETAILS Account statusOpen TypeCredit card ResponsibilityAuthorized User Remarks -- Times 30/60/90 days late0/0/0 CONTACT INFO BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix itIf the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX It won't hurt your score. 

not my account not my social security number I DO NOT LIVE IN NEW JERSEY

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion has accounts on my credit report that are not mine/inaccurate/false/fraud. XXXX-collections account was removed/deleted from XXXX  AND XXXX  on XX/XX/2019

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 2017-06-03
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical bill should have been paid. At the time of service I had  XXXX  and  XXXX  for health insurance. It 's also being reported wrong. The service was done  in 2011 and  should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Billing disputes

Complaint:
I have written you before with unsatisfactory results about my former bank, but the issue I wish to take up today is different and pressing enough for me to contact you again. 
I have recently discovered that the company, XXXX has been hit by class action suits in approximately XXXX states for fraudulent selling, misinforming or not informing customers, and for unauthorized charges to their credit cards. Many times, the customers were not aware of these charges or that they had signed up for memberships that were charged to their cards or their mortgage each month. The same happened to me in 2012 and my case was sent to collections by Chase, who had been charged along with Trilegiant in at least XXXX case. I am still trying to clear that up. 
Each month, for 5 months Trilegiant made XXXX separate charges of XXXX for memberships in XXXX and XXXX to my Chase card. Eventually I refused to pay because I had I had not authorized these charges or knowingly signed on for membership. Chase continued to bill me, added interest charges and late fees, and eventually sent the bill to collections, creating a negative entry on my credit report. 
At that time, I was traveling and working in XXXX. I seriously doubt that the memberships could have been used there, even if I had signed up for them. However, the point is still that I did not knowingly authorize XXXX XXXX to sign me up for memberships or charge my Chase Card. I do n't even know how they got access to my credit card number or any other authorizing information. When I try to discuss the matter with Chase Fraud operations, they do n't listen and will not assist me in clearing this matter up so I can get these charges removed from my credit report. 
Upon returning to the US, I reviewed my credit status and did follow up on the Chase collection charges. I asked for reports and finally received the final reports yesterday showing the charges made by XXXX. I. contacted XXXX XXXX in fraud operations at Chase and was informed that she had decided that I was responsible for the account because I had made payments to it. 
I then went on the web to research the company and found that there were approximately XXXX similar complaints. Chase had been named, along with XXXX, in at least XXXX class action suit and XXXX has been fined millions of dollars for these actions in approximately XXXX states. In many of these cases, the consumer had, like me, paid the membership fees for several months before complaining. I also viewed XXXX law firm soliciting clients to file complaints against XXXX for the same reasons. I want to file a complaint, but not with them. I want Chase to correct this situation by acknowledging their error and removing the negative entries from my credit report. Can you help me? 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: FL
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:
Equifax, XXXX  and XXXX  are showing inaccurate " LATE PAYMENTS '' on my credit reports. I was/have " NEVER '' been late on my : XXXX XXXX XXXX, XXXX  XXXX  or XXXX XXXX   accounts. I was NEVER notified there would/where late payments reported. I was never CONTACTED TO VERIFY OR VALIDATE ANY POSSIBLE LATE PAYMENTS. I was also never told or shown PROOF OF HOW THESE LATE PAYMENTS WERE VALIDATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: United Consumers Inc
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
United Consumer Inc XXXX VA leaves messages on your voicemail " this is United Consumers and this a private message and if your not XXXX XXXX hang up and delete this message ''. If the person does n't hang up or the machine picks up it continues " this is United Consumer Inc and we are a debt collector collecting a debt from XXXX XXXX '' Sometimes when you listen to the recorded message a representative starts saying " hello hello '' Anyone who has access to the voicemail will have knowledge of the fact you have a debt and the collector. They are infringing on a persons right to privacy. Then when I discussed it with them they did n't care and kept leaving the same messages.

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 2017-04-11
Company: Critical Resolution Mediation LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XX/XX/2017 I received a call from XXXX from XXXX with Critical Resolutions. Saying he had a case for me in XXXX for XXXX and that I a returned from my bank, XXXX. He did tell that call may be recorded but did not give me the XXXX He said a case has been in court. I asked for the case number he gave me XXXX I asked where it was filed and he told me he did not know. He asked did I wan to voluntarily take care of it today. I asked for his company 's address and he replied : He was sending the case to XXXX to have me picked up and I could deal with all that crap there and ended the call. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A bank account at Citi Bank is being used for wire fraud scam and Citi Bank does not act to shut down the individual. I recently got a message from XXXX saying they were not able to recover my money because Citi Bank responded that XXXX XXXX XXXX has taken the money. Citi Bank did not act on my request for a recall quickly enough. Citi Bank did not place a hold on the money reason for it being gone. Recall refs # XXXX, Wire transfer transaction number XXXX. The wire transfer was done from XXXX to Citi Bank.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, on XX/XX/XXXX, submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after more than 1 year ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN and XXXX report, I attached the file that included the addresses that I want to be remove, I am now, taking the extra step, because I really need these addresses off of my credit report.

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 2019-12-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2017-04-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a car loan from Santander for a little over $ {$10000.00} on XX/XX/XXXX, 2014. After the second year I decided to refinance because I noticed my loan amount would not change. Before refinancing I had paid Santander {$7000.00} and only {$2000.00} went towards the principle on my loan. Before contacting an attorney I would like offer Santander the chance to explain how this is possible and how it is legal to charge a customer {$5000.00} in fees which is half the amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion, XXXX and XXXX illegally reinserted without given a proper 5 day reinsertion letter.

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 2019-08-08
Company: EQUIFAX, INC.
State: FL
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 am writing this due to non-compliance with the CRA ( EQUIFAX and XXXX ) .They have failed to remove information that was violated with personal details that were challenged in the past. Some of the account are closed and should not be there. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I am very ambitious, determine and would hate to quit school now just because of this matter. 

I am currently a XXXXl student ( I am about to XXXX ) I have already reached my max credit limit for subsidized and subsidized loan which makes me eligible to apply for Plus loan ... ..Well, I got denied simply because of my adverse credit. I need to fix these first before I can continue. I am aware that some of those are correct but I have also noticed inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been paying for a credit monitor service through Experian in order to improve my credit score for the purposes of purchasing a home. The credit simulator provided by the company is said to predict your score based on different scenarios. One such scenario was to pay down/pay off credit cards, which I did and reduced by revolving credit below 30 %. This was supposed to increase my credit score 16 points. However, when this was reflected on my account, my score did not change. For the past few months I have paid approximately {$7000.00} off in debt to improve my credit score based on this simulator to prepare myself for a home purchase. However, my score did not change as predicted for nearly all of these payoffs/reduced balances etc ... despite showing up on the Experian report. The frustration is that the money could have been used for savings and other immediate family purposes and the other bills paid were not behind and were going to be paid off soon but was hoping to improve my interest rate slightly. This is unacceptable. This company generates its own score and should be able to predict how it will change when things are reported. Furthermore, you're paying for a service that holds you hostage as a consumer and have no real choice but to abide by this antiquated system. The fact that their simulator was misleading and did not accurately predict my score now made me lose money that could have been used on a downpayment for a home since I am still within the same range that will dictate my interest rate. The service is a scam.

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 monetary relief