BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: TX
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:
Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report.. Once I received the response the credit bureaus had already closed out my dispute. I provided them with an ID Theft report also that I would like them to include. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX, DE. # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Also the inquiries on my Police Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity was stolen while I was XXXX, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not XXXX  when in fact I showed them proof of being XXXX  on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.

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 2019-12-23
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
my mortgage company just called me and said XXXX XXXX put a lien on my house on XX/XX/XXXX never knew about no correspondsents about any credit card payment or court it was filed on XX/XX/XXXX why did this take so long and then i applied for a XXXX  XXXX 4 months ago and got one i called XXXX  XXXX and was told by them they never put judgements or liens on peoples home now i have a lien and it will take longer for me to get a reverse mortgage because i was told of the so after 12 yrs i find out about no i should not have to pay XXXX for a card i never even used credit that high something has to done for people who are on XXXX  have to suffer for something i knew nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
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:
After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my Equifax report and {$4400.00} on my XXXX report for an account that I did not open. After filing several disputes and requesting an investigation with Exquifax and  XXXX to have the inaccuracies removed, I found that Exquifax and XXXX continuously and knowingly intercepted inaccurate information from debtor ( s ) XXXX XXXX XXXX., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, Equifax and XXXX failed to compel said debtor ( s ) to  provide proof that the account was opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: GA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-01-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted several request for validation of debt. I have provided all the information to Nissan and Nissan has refused to provide me with a debt validation. Stating they did not have enough information although being provided the full account number as well as my date of birth, last 4 and address. Certified mail sent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband was given XXXX  orders to Florida in XX/XX/XXXX. At that time we requested a short sale and were told we were ineligible. After over a year of essentially begging for a short sale, my husband found out from the XXXX of his ship that he should be eligible due to the XX/XX/XXXX orders. With that information I reached out to your company and complained and was approved to get a short sale. The short sale was complete and I never got a breakdown of the total loss that was claimed by CitiMortgage. Additionally, there should be some responsibility of CitiMortgage for refusing the short sale for over a year in which they charged against my VA entitlement in the sum of XXXX. I would like to know exactly how they came up with this number.

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 2019-12-23
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:
This item was not proven and was supposed to be removed from my credit report per the letter that was sent. XXXX, XXXX XXXX XXXX XXXX sent a letter stati that the item will be removed within 30 days XX/XX/18 and the item was put back on my credit report. I will attach the letter below.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-10-06
Company: EQUIFAX, INC.
State: GA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This spring after had obtained letter from lender I've ordered my free report from Equifax online. They requested additional information such as two forms of identification and in XXXX 2019 I sent them by mail a copy of pay stub with SNN and copy of utility bill with current address as was requested. Few months passed by since that but I still unable to obtain a copy of my report. They never fixed anything and keep denying my online and phone requests. It seems even more disturbing as long they already had cybersecurity incident and normally they are not supposed to ask customer to send any documents as long they already obtained them from lenders and other third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is my 2nd request with the CFPB. 

On XXXX I sent a letter to XXXX, Equifax, and XXXX  regarding inaccurate and negative information on my credit report. 

It has currently been 37 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

It has been over 37 days so they be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I tried to make a payment at approximately XXXX XXXX  using Mariner Finance 's online customer portal. Instead of processing my payment, it states that my account is on restricted payments. I called Mariner Finance on XX/XX/22 to find out what options were available to me since I had not yet been able to make my XX/XX/22 payment due to some unexpected expenses for auto and household repairs. The main option available was to allow them to run a credit check to see if I could get an additional {$500.00} dollars and they'd refinance my loan. I refused that option because I neither want the additional inquiry on my credit, or their {$500.00}. When I refused, rep, XXXX 's offer, she said that I would have to make a payment with her. So, I explained to her that I was driving and that since I was not yet 30 days late on my account, I would make a payment by XXXX, XX/XX/22 by going online and scheduling a future-dated payment dated for XX/XX/22. I also explained that since I wouldn't get paid again until the end of XXXX, I would make the XXXX payment then to bring my account up to date. Instead she tried to force me to speak with the Branch Manager, XXXX XXXX, who is very unprofessional and uses bullying tactics when interacting with me as a customer. So, I hung up before he got on the call because I have no plans of dealing with him. Now, they have evidently taken away my ability to make payments online. So, they are trying to cause my account to get to 30 days late. I have also uploaded two letters, which I received on the same XX/XX/22. One is dated XX/XX/22 that notified me of the possibility of a negative report to credit reporting agencies. 
You will notice that the XX/XX/22 letter lists four ways to submit a payment ; however, I am currently unable to make a payment in accordance with the options listed. This proves that they are using bullying and intimidation tactics when interacting with customers. I does not state that I need to speak with them. So, I am trying to make a payment. 
The other is dated XX/XX/22, which informs me that if they do not receive payment in full within 15 days of the date of the letter, they will file a suit/judgement against me. 
I feel that they try to prey on customers and bank on them being ill-informed and afraid to take action on their own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: NY
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 have a Chase Visa, Account # XXXX XXXX XXXX XXXX. About 3 weeks ago, I went online to order an urgently needed item, XXXX XXXX bags. I found some on XXXX XXXX and ordered from them. I have never bought anything from XXXX XXXX before. I do not have an account with them. 

I saw on my screen that they took my credit card and charged my account. However, I never received the email with a receipt of purchase. Nor did I receive an email telling me the item was shipped. 

I contacted Chase twice via fax. Each time I asked them to clarify and provide me with the merchant contact info and to " freeze '' the charge while I was contesting it. 

I have gotten an endless stream of phone calls, nights, day, and on weekends, which I find to be extremely rude ( they call you Sunday morning and Sunday night ) rather than a letter telling me they are removing the charge and providing me with the merchant 's contact info. 

Please assist me in resolving this. 

The merchandise may or may not have shipped. It may have been lost or stolen. I do n't know and want to find out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As a result of using a fraudulent credit consolidation company, ( XXXX XXXX ), My Credit Score dropped and accounts became delinquent. Lack of resources caused my vehical used as collateral, was repossessed, sold, and a balance was due, it was then charged off by original creditor. Thus happened in XXXX. I went through the proper channels and procedures through XXXX XXXX over many months in XXXX, Contacting the debt collection agency who currently had my account to verify facts about the debt. Two letters were sent with no reply, I submitted a complaint through XXXX XXXX with no resolution to the unfair practice of not receiving any reply to my requests from Lvnv Funding for the account that is for XXXX, it is also being reported by previous debt collector 12 XXXX XXXX as an open account. please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried to cancel my Credit Card with American Express 4 times now and the card is still open. American Express continues to charge me fees when I don't have a balance. Each time they haggle me and pass me off, leave me hold for over an hour. The last 2 times I have called American Express I was on the chat line for over an hour before they agreed to cancel but they did not. In the meantime American Express continues charging me annual fees and interest when I don't even have a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The online payment system doesnt work ... the call in system doesnt work, Whenyoun call the support number it is only automated and no person will ever answer,, after the 2 hour hold time it disconnects the call I can't go anywhere in person to pay the bill, they do not allow that

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 2022-05-02
Company: Santander Consumer USA 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: Reporting company used your report improperly

Complaint:
Santander Consumer has Violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a loan payment account under an open end consumer credit plan as late for and purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: MidAmerica Mortgage Inc
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX i lost my job in the process i begin to try to catch up with my mortgage payments i only had two months behind i was told to put in the paperwork to start a process with assistance for my mortgage it was approved on XX/XX/XXXX my first payment was XX/XX/XXXX i made that payment along with XXXX XXXX and XXXX and XXXX and XXXX payment i am now waiting for them to cash the other payment that i sent out on XX/XX/XXXX i had to cancel the payment with the bank and resend they didnt ' still take my payment i don't know what they are doing but i submitted paperwork on XX/XX/XXXX with everything that i submitted early this year and know one has reach out to me i have been calling they have been hanging up on me i don't know what to do i have XXXX in my retirement that i will be paying back to the back loan but i am in the rear more than that i am trying to keep my home i have a XXXX child with XXXX XXXX and i need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This would be my 2nd complaint about Synchrony Bank. The company is now making false accusations and false narratives, sending me letters after the fact that I sent out a cease-and-desist letter. In a letter dated XX/XX/2021 Synchrony Bank accuses me of claiming that the alleged account was opened fraudulently. Never have I claimed that or made any such statement of the sort. I have stated that the bank itself operates in a fraudulent manner. 
I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. Synchrony Banks silence and disregard for the affidavit is their way of saying my testimony is true and indeed fact. I sent them a promissory note valued at {$10000.00} to pay for the alleged debt, Synchrony Bank stated that they would not honor my payment. Lastly, I have sent in a proof of claim letter asking Synchrony Bank to prove where the money came from since according to 12 U.S.Code 1431 the banks dont have money to lend. I have the right to rescind. Synchrony Bank has not responded to any of my letters. They have no regard for the law or me as the consumer. I have mailed all letters and evidence to Synchrony Bank via certified mail, and I have the receipt as proof. Lastly, Synchrony Bank owes me monetary damages of {$55000.00} due to willful noncompliance, FCRA & FDCPA violations, and monies that had been paying although the account was prepaid for by the U.S. Federal Reserve.

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