BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: GA
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:
For years I have been a victim of identity theft & have taken all necessary steps to prevent any further damage to my credit file. After 5+ years of trying to resolve this distressing issue and thousands of dollars later, I thought this issue was behind me and my life was back on track.
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On or around  XX/XX/XXXX  I contacted Equifax to inquire if my file contained mis-merged or mixed files. Equifax said there were no mis-merged or mixed files in my credit file. Therefore, all of the fraudulent information reported by the other three credit bureaus should have been reported by Equifax.
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On or around  XX/XX/XXXX , Equifax responded with an absurd letter after requesting credit monitoring & disputing fraudulent information requesting additional documentation to process a security freeze. My dispute never mentioned or requested a security freeze. Equifax did not conduct a reasonable reinvestigation to determine whether the disputed information was accurate or complete. Therefore, in  XX/XX/XXXX  Equifax willfully and intentionally violated 15 U.S.C. 168li by failing to act as prescribed by federal statute after receiving notice of a dispute from a consumer.
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To not elaborate about every single attempt after XX/XX/XXXX using the same or similar tactics with the same outcome, I will fast forward to the last few months starting with  XX/XX/XXXX . I again attempted to correct incorrect items for an Erroneous reporting account for the one and only negative account showing on my Equifax report. After making repeated attempts from  XX/XX/XXXX  up until  XX/XX/XXXX  sending every 609 letters & providing original contract & legal binding documents Equifax continued to report incorrect information.
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As of today   XXXX   XXXX   in the Consumer Affairs unit has placed every negative account back on my file that was removed as fraud and have advised they will not be removed. Furthermore,   XXXX   XXXX   XXXX   has advised I will not have access to my file unless I request by mail and no creditors will have access unless I call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Experian Information Solutions Inc.
State: MS
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:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2018-12-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
While making a reservation on XXXX XXXX in XX/XX/2018, I was offered a promotion by AMEX to open a co-branded Gold Delta Skymiles card with a promotion of {$200.00} in statement credit and XXXX Bonus Miles if I spent a certain amount in the first 3 months. The offer clearly stated that it was only for New Account Holders who did not have this card in the last year. I had a similar card 2 years ago but since the stipulation was only for the last year, I signed up for the card. I met their spend requirement and even after 10 months I have not been given the statement credit or the bonus miles. I have called multiple times and was told that they will investigate and get back to me but no one did. Finally when I called today, first they make me hold and then hang up on me. And when I called again, I was again put on a long hold and then told that since I had the card in the past they did not give me the promotional offer although the offer very clearly stipulated the restricted time of 1 year. The agent was like we are sorry that the online offer was misleading and did not match and I will ask our marketing team to review the offer materials but would give me no time frame for any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: SC
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Information belongs to someone else

Complaint:
To whom it may concern, Equifax has not responded to my letter that I sent out to them WELL OVER 30 days ago. Credit Reporting Agencies have 30 days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Direct Express says i am dead and suspended my Social security account. I  have been trying for over 2 weeks to get someone from direct express or social security to help me. I have called both DE and SS many times and have been to my local SS office 1 time so far, I plan to try again tomorrow. I am almost out of money and i really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Fay Servicing, LLC
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX , I repeatedly asked for a bill so that I can get caught up on payments of my mortgage fr om Fay Servicing in voicemails and also by talking to different representatives. At one point, I w as told that I would receive a bill in the mail but this was not received. On  XXXX   XXXX , I spoke with a representative and for the first time, was told I needed to request this type of information via email, which I have done. In the meantim e, Fay Servicing has b een racking up fees at a ridiculous rate. For instance, on  XXXX   XXXX  the bill was {$6600.00}. On  XXXX   XXXX  the bill I was told the bill is {$9600.00}, according to the conversations with the  Fay repres entatives. However, I have n't so far received in writing an amount and what date that bill will be good through. In addition, I submitted a loan mitigation application in  XXXX  that I have n't heard a recent status on.  Fay S  ervicing is responding or not responding timely to voicemails I 've left in the past month, while they continue to rack up their high fees. I 'm aware of my rights as a loan mitigation applicant and potential federal RESPA violations that are occurring. In particular Fay is not resp onding timely to my requests for a bill so I can become current with payments. I am in contact with legal counsel on potential federal RESPA violations that have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: GA
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:
Personal information such as names employers addresses phone numbers and other variants that are not accurate are not being removed as they do not belong to me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX  a Debt collector was take the money from my paycheck, to pay off a sams credit account that went in with to collections in  XXXX . is now  XXXX  I am trying to refi my home and it tuns out that I have a linn against me from sa m 's  with a bal. of  XXXX  +, with out my knowledge sam 's club recall the account when there was still a balance. it has been there f or four yea r and no body ever contacted me about it. I been calling them since  XXXX   XXXX  to send me and the title company the pay off bill. but for some reason they been ignoring my request it is now almost a month and all I get from them is that they will send it again but it will take from  7 to 10  days. this is costing me. since interest rates went up I wast able to close escrow and now I have to pay a higher rate because of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Account status incorrect

Complaint:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX  should also not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted both XXXX XXXX and XXXX XXXX, as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Forced Foreclosures-  Wells Fargo Unethical Strategy -FHA Mortgagors Main Tar get  XXXX   XXXX  after losing  XXXX  yrs. full time employment was able to use the remainder of my Illinois  Hardest Fund. When depleted, contacted my lender WF who at  their suggestion began my attempt to Short-Sale my home. Since  XXXX  I have had  XXXX  contracts submitted.  XXXX  of which withdrew because  1. WF  long delays in acceptance/denial periods. Counter bids by buyers went unanswered even though these bids were found to be thousands more than  WF was asking. 2. WF  never spoke to me regarding the 120 day time-frame in which they were to have offered me a Deed-in-lieu option thus eliminating that option for me. 3. Practice Duel-tracking  (  sale dates initiated while valid contracts are being processed )  XXXX . Violation of the  Rosenthal Ac  t ( p retending to process short-sale and verbally agreeing to extend sale dates but then follow up with letters after the fact using language like, " requested sale date be extended '' to keep Mortgagors from taking any precautionary measures i.e, bankruptcy or attorney ) 5. Violation of HUD requirements of offering mortgagor as occupant required  HUD-1  relocation funds nor attempted to visit mortgagor at the home which is less than  XXXX  miles of a Wf site ( FHA-HUD requirements before foreclosure begins  ) 6.  Denied Streamlined Short-sale when  XXXX  of the  XXXX  criteria had been met 7. Made to Begin process over even when offers were consecutiv e ( days apart ) 8.   Breach  of Settlement Statement Agreement  withdrew relocation funds 9.  Breach of Good Faith and Fair Dealing 10. Conspiracy to force Foreclosure of FHA Mortgagors to sale property, collect FHA insurance and attach deficiencies to  Mortgagors   11. Attaching day after sale dates to court orders knowing the practice of short-sale applications not being based on their merits but dening based on sale date. Lucky for me The Judge saw thru this last practice of trying to dupe the judges Status Hearing Orders and vacated sale date Altogether.          WF Loan  #  XXXX   WF Executive Ofc.  complaint tkt #  XXXX  -  XXXX   XXXX , Solution Specialist HUD Acct.  XXXX  HUD  Inquiry Tkt  #  XXXX   XXXX   XXXX   Circuit Court Case   XXXX   XXXX  Short-Sale Law Firm -  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  Thanking you in advance for your consideration to review. I strongly believe that elderly persons are victims of this most   XXXX   strategy.

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 2017-06-16
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted  XXXX   XXXX   XXXX  over the pas t 3years. I h ave been trying to get the bill they are claiming I owe of {$790.00} taken care of. I contacted them because In  XXXX  when I had the Debt It was paid off and I returned equipment.  XXXX  the item is still reporting on my credit report as I have multiple time tried to inform  XXXX   XXXX  I dont owe this debt. The account i s currently with Enhanced Recovery Corp. I hope you are able to help me with this old high amount debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX Account # XXXX, XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-04-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Explain why why you denied, me, XXXX XXXX, applicant, pursuant to 15 U.S. Code 1691 ( 3 ) - Scope of prohibition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am Depressed Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law

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 2019-05-28
Company: Transfinancial Companies, 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: Their investigation did not fix an error on your report

Complaint:
Upon retrieving my credit report I found that Transfinancial Companies had placed an account in the amount of {$940.00} and  then said the would send validation of the account after requesting this information several times. Once I received the validation of the account it was a gross violation of my HIPAA rights. I did not sign anything in order for my personal medical records to be released to this company or any other company. With such a violation I would ask that the account be removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Colony Brands, Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
XX/XX/21 and XX/XX/21 dispute results from XXXX  both show they did not take the proper steps to delete the creditor from my credit report. 
I requested XXXX XXXX, acct # XXXX for validation of the debt and they did not furnish me with anything just updated it as charged off. They did not mark " notice of dispute '' by consumer within the 30 days. FCRA, Section 623 ( a ) ( 3 ) and Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.

Company response to consumer: Closed with explanation