BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EOS Holdings, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a written dispute letter to the EOS CCA with proof of the date of delivery being XX/XX/2022 its been 30 days which is the time they had to respond to the dispute but theyve failed to respond. The amount of the debt is {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XXXX, and 3. I paid taxes on it. I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XXXX and paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to 700+. A few minutes go by, I got my old records out of my XXXX account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney. When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up. I was nice to each persons on phone, but firm in voice, as they were too. The Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX Amount : {$4300.00} Original Creditor : Wells Fargo Bank Current Creditor : XXXX XXXX

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 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax was breached and I believe I could be a victim of their incompetence as an organization. I, along with millions of other Americans should not have to deal with the repercussions of this companies mistake. I have applied to XXXX to try to see if there was some option as to locking my credit. Luckily there was and I proceeded to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Obtained Synchrony Bank credit card in XX/XX/XXXX, used it once XX/XX/XXXX, paid bill in XX/XX/XXXX. Card charged with {$190.00} in XX/XX/XXXX, I immediately filed a dispute. Synchrony says the product was ordered and sent to my address. I did not order anything on this card. I have filed a police report regarding this issue at the request of Synchrony bank yet they refuse to remove the card. I have told them that unsolicited merchandise pursuant to Federal Code US 3009 can not be billed to my card and I am under no obligation to return anything received. I did not order this merchandise and I did not receive it.

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
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 ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : 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 2021-08-24
Company: CMRE Financial Services, Inc.
State: IL
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX I was in a horrible accident and my car was completely totaled. Since then my car insurance paid off their portion of the amount. Also working with XXXX insurance to pay the amount of the car off. Since than credit acceptance has continued to charge me the full monthly payment of XXXX $ for the past year. This includes hurting my credit score for over a year charging me for a car and a loan that should have been closed last year. I now have over a {$14000.00} balance. Ive tried to reach out to the company and have filed multiple complaints and havent heard back and I still continue to get charged.

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 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
On X/X/2017, I submitted an inquiry to see if had been impacted by Equifax 's breach. They then tried to have me enroll in XXXX which would have prevented me from seeking any legal remedies in the future for information that THEY lost!!!! CORRUPT and disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
negative information from this creditor is past 7 years and it never goes away. Creditor needs to delete this old account from the credit bureaus.

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: Santander Consumer USA Holdings Inc.
State: OH
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:
On XX/XX/2022 I disputed information reported by Santander because it was inaccurate and the three Credit bureaus had different dates for payments and different dates closed and incomplete information, and missing information. I was asked to provide additional information by the credit bureaus so I contacted Santander and asked if they could email me the compy of whatever agreement that was signed stating I owed them. I also, asked the credit bureaus for debt validate. After contacting Santander to request this information. The representative I spoke to got angry and said he would not give me the information. Santander then reported this incorrect information XX/XX/XXXX, XXXX and XXXX of 2022 and opened the closed account reported that a payment was made when a payment was never made because this account had been charged off for 6+ years. This caused my credit score to drop significantly. I would like Santander removed from all 3 of the credit bureaus due to all of the information being different and inaccurate with each bureau. The disputes have been closed the the information is still inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: FL
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 acXXXX 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: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we signed a contingency form providing our $ XXXX. deposit. On XX/XX/XXXX we, my sister and I submitted an application for a mortgage. As of today 's date no definite response has been provided from the mortgage company AFR, American Financial Resources. On XX/XX/XXXX our contingency date was up on our mortgage commitment. We were told that the appraisers had sent an incorrect form, then there was a problem the AFR could not open the file sent from the appraisal. Our realtor applied for a two day extension with the sellers, as we were told that the appraisal had held back the commitment of the loan. On XX/XX/XXXX we signed a second contingency form as there was still not commitment forth coming. The reason given for the lack of commitment was the underwriter was on vacation and the loan was sent to another examiner. On XX/XX/XXXX we signed a third contingency from the reason given the loan processor required a change in the insurance policy of the complex. I would have thought the insurance policy of the complex should have be reviewed at the beginning of the loan origination. My sister and myself have signed numerous letters of explanation as well as provided numerous pay stubs and bank statements, employment verification 's. I do realize that this is part of the loan process. However, my sister received a phone call from one of the examiner 's he said he was calling the utility company to verify her balance with the utility company. When all parties were on the line he asked the representative if she was delinquent on her account. It turned out she was on a payment program. She lives on the east coast and heating raises the bill during the winter months. My addresses were verified as far back as XXXX. Almost twenty years ago .... I was also asked if I was ever married. Then I was asked how many times. I am applying for a loan based on my income. My marriage ended in XXXX. We have both felt under excessive scrutiny, and delay tactics. The complaint is about two things : First the length of time for the approval Second, is there a scrutiny tactic at work here based on sexism? I would appreciate the follow up service you can provide.

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: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
negative information from this creditor is past 7 years and it never goes away. Creditor needs to delete this old account from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Adverse Action ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XXXX XXXX Recently, I, XXXX XXXX was denied an extension of credit by Ally Bank On XXXX XXXX, I applied for an auto loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code {$1600.00} ( C ) and you assume civil liability pursuant 15 U.S Code {$1600.00} ( K ). Ally Bank has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code $ XXXX 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ally Bank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT Following this initial attempt to rectity, I will be sending an invoice to collect actual damages for said violations. 
BEST XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXX, XXXX XXXX, CXXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX, XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX- XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,

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: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On X/XX/2017 I processed a transfer of $XXXX with Western Union to XXXX, XXXX tracking # XXXX. The charge for a transfer within minutes was $XXXX. the charge for transfer within 4 days was $XXXX. I paid the $XXXX. It has been 3 days and the funds have not been available yet. 
WU said that the money is now available after delay for processing, validations & approvals.
Since they admitted that they failed to deliver as promised I requested a credit $XXXX for the  difference between the instant & the 3-5 day delivery charge. They refused & said they will give me points for the next transaction I make. I don't plan on making any transactions with them.
The link below is for their website for money transfers
 https://www.westernunion.com/us/en/send-money/app/start

ps i see today that the in minutes transfer cost has gone up & the 4 business days cost has gone down!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, On Thursday XX/XX/22 I was scammed into sending {$50.00} to a scammer through XXXX thinking it was a legitimate person that would send me a concert ticket in exchange. 

Unfortunately the person took my money and never sent me anything back. When I tried to call the phone number it is disconnected. I called Chase Banking the same day to report the scam and file a complaint but they are unwilling to help me since I initiated the transaction. I'm not sure where else to turn so I'm looking for help from this agency to get Chase to help me recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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: Investigation took more than 30 days

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 180 days and 3 dispute letters to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank 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 explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: AZ
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:
EQUIFAX is reporting information on this account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report.

Company response to consumer: Closed with explanation