BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: PA
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT 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 explanation
Consumer complaint received 2022-10-03
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:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: PA
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2016-10-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found on my Equifax Credit Report hard inquiries that I did not authorize. I contacted Equifax to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Equifax continues to remove. These inquiries are from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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:
The American Express Gold has an annual {$100.00} travel credit. I used the {$100.00} travel credit on several different XXXX XXXX reservations to pay for taxes and fees and was reimbursed by American Express ( I received statement credits totaling {$100.00} for the taxes and fees that I paid with my Gold card between XXXX and XXXX ). I was unable to travel at the time and had to cancel those reservations and received refunds from XXXX XXXX. Last week after I cancelled the Gold card American Express billed me for the {$100.00} in statement credits that I received and claimed after the fact that because the flights were cancelled that I should not have been eligible to receive the statement credits from them. I have it in writing from American Express that any refunds from XXXX would automatically reduce my statement balance without mentioning anything about the credits being clawed back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a COVID forbearance agreement with XXXX XXXX  XXXX XXXX Dovenmuehle Mortgage Inc. ) which ended XX/XX/2021. At the start of 2021 I contacted the mortgage company to end the forbearance and do a loan modification. They didn't send me the loan modification paperwork until XXXX. During that time I resumed my normal payments and called them multiple times to get the paperwork. After receiving the modification terms, I promptly accepted them and made the required three trial payments. After those three months the mortgage company should have promptly sent me the final approval paperwork to convert my loan into a 40 year loan at a lower rate. It's been over five months since then and they still haven't sent me the final paperwork despite me calling them multiple times per month. It's been around 11 months since this process was started while others I've talked to get it completed within 4-5 months.

Their call center keeps saying they'll notify the underwriter, contact a supervisor, or that they've already mailed the paperwork but it has never shown up in my mailbox nor have I ever had any mail stolen. I've confirmed my mailing address with them multiple times. The USPS sends me scans of the mail I'm about to receive and those have never had the final paperwork. I've received other mortgage related documents from the company during this time but still haven't gotten the paperwork they've ( falsely? ) claimed to have mailed me. They have refused to provide tracking numbers, refused to deliver the documents electronically ( even though the initial paperwork was provided both electronically and successfully through the mail ), and refused me from coming into the office to sign the final paperwork. 

Further, three months ago they started charging me late fees despite not being late on my payments. When asked, they confirmed I've paid on time yet said the late fees will continue anyway! They also told me to pay a lesser amount than what's showed on my statement, but that would only encourage even more fees so I've continued to pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have been banned for making returns by XXXX retail store due to the retail activity report provided by the retail equation as of XX/XX/XXXX. XXXX corporate office representative ( XXXX ) states that they are unable to assist me, please contact XXXX ( XXXX ). i ordered the RAR ( retail activity report ) and received it via email. I initiated a dispute via postal mail as web/email was not an option, however, i ca n't obtain any confirmation that the letter of dispute has been received nor has an investigation has been started. the use of the report is not disclosed to consumer via website, sales receipt, nor XXXX credit statement. It is only after the restriction is in place that the use of the company is disclosed. As of XX/XX/XXXX is have not been successful in have the inaccurate information removed. I was told by the XXXX agent via phone that after XX/XX/XXXX i will be to make returns at any XXXX store. If i accept this action, I will need to store XXXX unworn, resale-condition merchandise and allow my XXXX credit account to be delinquent.

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 2020-04-21
Company: Experian Information Solutions Inc.
State: OH
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 had identity theft. I sent letters in XXXX and followed in XXXX and have heard nothing, I am doing this online through the CFPB because of COVID-19 and perhaps the letters have not been processed.

I have multiple accounts that need to be blocked from record due to investigations of indentity theft. These are XXXX XXXX XXXX and  XXXX. 

I have attached my identitytheft.gov report, my reports, and the letters I sent the CRAs

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 2022-01-21
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022, Hunter Warfield I am replying to complaint # XXXX. I have attached document that you attached to the complaint number above. Along with a letter that I mailed to your business. Be advised that you have already violated the fair debt collections practices act be providing me with a deceptive form. As the law states -15 U.S. Code 1692j - Furnishing certain deceptive forms- ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NY
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 is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint Involves the XXXX XXXX XXXX  and Chase Bank. 
On XX/XX/XXXX of XXXX I initiated the wire transfer for a real state closing from my bank account over the XXXX XXXX to the beneficiary and account holder of the Chase bank in XXXX FL. about 4 hours later I found out the Beneficiary 's account email was hacked and the wire information didn't belong to the closing attorney. Immediately I reported to the XXXX XXXX XXXX at the branch were the transfer was initiated and a FRAUD alert was placed before all banks were closed. The FBI was informed as well as the local police department. The next day was XXXX XXXX and the funds left my account by Friday after the holiday. On Monday XX/XX/XXXX, the branch of XXXX XXXX informed my mother who is the second owner of my account that the funds were frozen at the account 's holder over the Chase, there was a name discrepancy plus the wire fraud alert. 
On XX/XX/XXXX the Wire fraud department of XXXX XXXX faxed an affidavit form that I signed in person and it was sent directly from the Branch where I have my account. 
Over a month after many phone calls, the only answer I always received from the investigator of XXXX XXXX was that the Chase bank didn't reply to the swift recall and they had no information. 
On XX/XX/XXXX, I received a deposit in the amount of {$7900.00} with a recovery claim title. 
I proceed to the branch on the next business day XX/XX/XXXX to enquire about the remaining {$32000.00}. The bank officer contacted the wire department over the phone and she received the information that the amount credited to my account was the only funds the chase returned. The bank officer asked the person over the phone regarding the funds being frozen at the chase after the fraud alert was placed and the information was confirmed by the branch ' Manager, hence, how it was possible the hacker was able to retrieved most of the money? Accordingly to the information released to the bank officer, the Chase bank lifted the fraud alert and allowed the beneficiary " hackers " to disbursed {$32000.00} and proceed to close their account after and send the remaining {$7900.00} to XXXX XXXX to be credited to my account. 

Today I was also aware that after this incident the XXXX XXXX XXXX had change the procedure for wire transfers and now they bank officer needs to verify when a person is sending a wire that the details are correct and legitimate. This procedure didn't apply to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CITIBANK, N.A.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a credit from Citibank. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, CBNA/citi bank still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually CBNA will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.

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 2018-05-31
Company: EQUIFAX, INC.
State: TX
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:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Lending Club Corp
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
To whom it may concern, I had applied for a personal loan with Lending Club back on XX/XX/XXXX. I received an incorrect notice of adverse action due to not providing the information requested ( copy of XXXX W2 ). At the beginning i would call every day to request status of my application. It took then about 1 week to give me a the initial needs list. All items were provided within 2 weeks from requested. On XX/XX/XXXX I received a call from Lending Club inquirinf about the status of the items which i had explained were provided then the agent stated that they were pending my XXXX tax returns? To what I explained that I did not have them since the year was not over and there was no way I would have taxes for this year yet, i kept calling everyday to inquire about status to what I had been told it was in line to be reviewed and I finally received my notice of adverse action due to a missing W2 of a job that i had started this XX/XX/XXXX as listed on my application I asked for my application to be reistated and my loan be looked at as a rush to what I was told it was a mistake and that i needed to re-apply, since there was no way they were going to bring my application back alive. If they had contacted me to ask about the w2 i would have explained that there was no w2 available on a job that I had recently started. I feel my application was overlooked and not treated with equality as other customers. Im very much disappointed with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2017-08-23
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I informed Receivables Performance Management LLC that they were calling me repetedly and at an inconvenient time due to my work schedule on XX/XX/XXXX. The very next day XX/XX/XXXX they called me 4 separate times between the hours of XXXX CST and XXXX XXXX. I called back and spoke to supervisor who told me the phone " sometimes messes up ''. I have NEVER heard of a dialer being set to call 1 individual 4 times so I believe that is a lie and these calls were placed intentionally. It is a harassing practice for a dialer to be set that way. She told me I would not be contacted again. I told her I wish to be contacted by mail only, she assure me that would be the case going forward. 1 hour later at XXXX CST they called me again! I tried to leave my desk at work and go to a quiet place and the reprentative repeatedly said my name loudly and rudely, then they must have reviewed the notes on my account becasue as I was speaking they hung up on me. I tried to call back and I was placed on hold and left there, I finally hung up after 10 minutes of waiting.

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