BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX i sent a dispute letter regarding inaccurate information reporting on my credit file, i haven't received a response, on XX/XX/XXXX i sent my XXXX letter and never received a response, on XX/XX/XXXX i submitted a complaint and the company never provided me documentation or an update on my credit file, i have addresses this matter several times, on XX/XX/XXXX i sent my FTC Report and i still haven ; t received a response XXXX years i been trying to get resolutions on the accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In disdain of my previous request, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: IA
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:
RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Equifax and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 

XXXX XXXX XXXX -Business inquiry XXXX XXXX-Business inquiry. 

I request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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:
Santander Consumer USA is still breaking the law. No issues have been resolved with the prior response to them of their fraudulent act toward me. They do not want to cooperate with the federal law or my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/2023 I HAVE FRAUD ACCOUNT ON MY CREDIT REPORT ACCOUNT NAME- DISCOVER BANK ACCOUNT # - XXXX BALANCE UPDATED- XXXX ACCOUNT TYPE- SECURED CARD STATUS- Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2023 STATUS UPDATED- XXXX LAST PAYMENT- XXXX PAST DUE XXXX $ HIGHEST BALANCE- XXXX $ Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL " FAIRS CARE ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS/Select Portafolio Servicing , Inc During the refinance of the mortgage in the pay of statement pay a escrow refund {$230.00} dollars This included fore taxes and insurance mortgage. During XXXX SPS they dont pay taxes to the city of XXXXi between XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I paid XXXX. 
They was collecting from my check account {$940.00} dollars automatically every months payment. That included a escrow of XXXX in XXXX. The first 5 month XXXX SPS take from my check account {$1500.00} dollars. I paid to the XXXX XXXX for XXXX {$3100.00}. I was paid my insurance too though the association during this years from XXXX. I had several with SPS paying XXXX dollars more less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX, I reviewed our Chase Visa rewards, totalling some XXXX or so points, equal to XXXX  about {$240.00}. I elected to have a {$200.00} Amazon gift card digitally, with the remainder going against the balance. On XX/XX/XXXX I received a Your all set! email from Chase Visa, referencing XXXX # XXXX and a digital gift card for {$200.00}. Most gift cards are sent instantly, it said, but In some instances it may take up to 48 hours. The remaining {$43.00} went against the balance. 
On XX/XX/XXXX, having seen no gift card, I contacted Chase and was told, It can take from 5 to 7 business days, sometimes there are problems with the digital cards. There was nothing in my spam or junk email folders, and I continued to receive other emails and alerts from Chase Visa. I was told they would escalate the matter and to allow another 10 days due to that escalation. 
On XX/XX/XXXX, I called and again, this time being told, A new eCard was issued on XX/XX/XXXX, wait 2-3 business days. 
On XX/XX/XXXX, I called, getting XXXX in Customer Service. She said she would re-escalate the situation, with a request to have an actual card mailed out ; she too repeated that there were often issues with the e-cards. XXXX told me to wait until XX/XX/XXXX, the new escalation period. 
On XX/XX/XXXX, I called XXXX who said the eCard had been reissued, and requested I wait 2 to 3 more days, whereupon I asked for a supervisor. XXXX said she would reorder the card today and I should wait 2-3 days. If any issues at that point, I will cancel and order a hard copy of the card, she said. XXXX mentioned the division between customer service and Marketing, who actually sends out the cards. We dont see them, cant call them ; only email, which I cant give you. 
On XX/XX/XXXX I called XXXX, who said this was still in the escalation phase and passed me off to XXXX, a supervisor. She read the notes and took a long time commiserating with me, claiming to have filled out a complaint form, reiterating the division between Cardmember Service and Marketing. and that a new physical card should be coming via the US Mail soon. 
On the morning of XX/XX/XXXX I called XXXX, a supervisor who read my notes and informed me that only a digital card can be reissued ; I will have one of my own supervisors call you. That afternoon, I got a letter from Cardmember Service dated XX/XX/XXXX stating, XXXX XXXX redemptions are finalwe are unable to honor your request. 

At no point after the initial XX/XX/XXXX email did I receive any digital correspondence from Chase, only physical letters in the mail ; yet, they claim the only way to send me my {$200.00} is via email, despite repeated pleas from me that there is something wrong with how/where they are sending said digital card. I hope you can help me break this chain of obfuscation and delay. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: DISCOVER BANK
State: FL
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:
I am writing this complaint to correct a billing error on my Cashback debit card. A charge of {$1400.00} was made to my Cashback debit card account on XX/XX/XXXX. The charge is in error because I did not authorize the transaction and notified Discover promptly of the unauthorized charge. I received a letter dated XX/XX/XXXX stating that they determined the transaction was valid because : 1. " Transaction ( s ) completed with PIN with no prior PIN failures 2. " No history of PIN being changed recently '' 3. " Transaction ( s ) do not indicate fraudulent activity '' This makes no sense as someone clearly accessed my information without my consent. It appears Discover just replied with a generic letter with no consideration with the issue. I allege there must be some form of fraud protection on my card to protect me from unauthorized charges. 
Discover also stated that they would be reversing the provisional credit provided. 

I'm unsure how someone was able to use my pin I'm stressed out over this. It's causing me a huge inconvenience. 

Please correct the issue and correct the error of the unauthorized charge it's causing me a great deal of stress because I never authorized the transaction. I've done everything in my power to address the situation promptly. 
Please correct the error on my account promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint needs to go back and credit to me the insurance that they charged me for that was forced place on my loan I have included the policies 1 ) The HOA had polices on the Townhouse going back to XXXX and I have had insurance on the inside with XXXX XXXX XXXX XXXX  XXXX and even before with another company that I will recover the data from, that the property at XXXX XXXX XXXX was also covered under too 2 ) there is more I paid the property taxes too and I am getting the canceled checks from my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
I am formally requesting that you include the following fraudulent ITEMS to be removed from the Credit report. 

XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$140.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX Owed : {$140.00} ; XXXX XXXX XXXX Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXXT XXXX Balance XXXX : {$390.00} ; XXXX  XXXX Balance Owed : {$47.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX I filed a dispute with Experian to properly report payments made to The XXXX XXXX XXXX. I provided receipts for all of the payments I made each month. I also contacted the law firm the same day I filed the dispute to request that they contact the credit bureaus and accurately report the original amount I owed which was {$6900.00} from a car loan debt I co-signed for that my daughter defaulted on. I requested that payments I had been making would be reflected on the report which they said they would take care of. I have been paying the creditor {$200.00} a month since XX/XX/XXXX and this was not reflected in the law firm 's nor Experian 's reporting of the debt. On XX/XX/XXXX I was notified by Experian the dispute had been resolved. A report was generated on XX/XX/XXXX claiming the information reported was verified with the creditor and updated. However, the balance being reflected as of today is still inaccurate, showing a total owed of {$11000.00} which is a far cry from {$6900.00} and the amount I agreed to repay. Also, the {$200.00} payments I have made still aren't reported as paid each month. In fact it shows a recent payment of {$200.00} but the balance hasn't been reduced by the amount I've paid so far as it still shows the original balance owed which is inaccurate. Today I attempted to file another dispute with Experian because the account is showing past due as of XX/XX/XXXX which is also inaccurate. Experian will not allow me to file another dispute for the same issue they are claiming is verified and resolved. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I can not access my Amex online acct on this dispute as they had problems opening it. 
I have New Info and I previously sent you photos.

I attended my new dentist yesterday who XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. You now have photos and a new Report from XXXX XXXX. 
There are no XXXX XXXX XXXX XXXX XXXX XXXX. 
You also have a witness statement to the fact that XXXX XXXX up was made. 
You also have XXXX XXXX full report You also have Yearly membership that is on my bill. That shows ive been double billed for XXXX and evaluation as its included in yearly membership You also have letter from XXXX finally after 7 months admitting the NO XXXXXXXX XXXX  was done. 
However I was not refunded off of the {$16000.00} bill they sent me. 
Amex gave me a credit based on XXXX XXXX Report snd it should still stand. 
XXXX had no new information so there was no reason to re bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was an identity theft victim. Equifax actually fixed my credit and now they put an unauthorized freeze and added back all the fraudulent debt that they removed two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
its a fraudulent item.that the credit agency will not remove i dont know who put this account in my name. and i never told nobody or Gave permission for my credit to be reported to any bureaus or Any companies.i have sent in Supporting documents to the bureaus. two bureaus have taken it down Experian is the only bureau Holden this false information and affecting my credit I said then FTC reports XXXX XXXX now XXXX. the account is XXXXXXXX XXXX  the account number is 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 non-monetary relief