BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the XXXX XXXX XXXX board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a XXXX party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a XXXX party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Under the Federal Fair Credit Reporting Act, I would like to file a consumer complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX FL XXXX. 

On XX/XX/2022 the Synchrony Bank denied my online credit application and stated it was based on low XXXX  score and credit history. I pulled from XXXX XXXX on the same day to check for accuracy. My credit and XXXX score did not match what Synchrony Bank letter. The bank has pulled false information unrelated to my credit. My credit history and score is above average/high. 

Please investigate Synchrony who should not be in business. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was notified by a collection account XXXX XXXX XXXX by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is not a duplicate complaint. Chase Bank is unfairly denying fraudulent activity that I have proven with at least 4 or 5 other agencies that verify that the contracts were voided and there were multiple fraudulent charges. XXXX does not know the tort laws. XXXX aided and abetted an enforced disappearance of an internationally protected person. The Tires plus transactions are fraudulent and they violated the terms of the agreement. It is not a matter for small claims. Theyre extorting an internationally protected person. They dont understand that theyre imposing sanctions against the United States government for not being compliant. Theres over 30 pages proving fraud. 4 or 5 independent agencies including the FTC. The UCC and the FTC state that I dont need to take it to small claims. Small claims is an abuse of the legal process because they are responsible for trafficking related offenses, debt bondage, and peonage. Theres also a limit on the amount that you can take to small claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Mr. Cooper Group Inc.
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hi everyone. I have attempted to pay my monthly 3 times in XXXX. The payment has not gone through. I called XXXX at Mr Cooper to fix the issue and she replied that my payment was returned due to insufficient funds. The account still has XXXX $ in it and my payment is XXXX $? I suspect some sort of tampering going on. Can somebody call Mr Cooper and investigate why after 11 years I am suddenly unable to pay my mosttgage? Thanks XXXX Oh, my loan number is XXXX MR COOPER contact number is XXXX XXXX ask for XXXX. She says I had insufficient funds. This is incorrect and the money was attempted from the correct account. THEY ARE NOT PROCESSING MY PAYMENT. They are being deceptive about something, by telling me I had INSUFFICIENT FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
In XX/XX/2020 I saw charges on my account that were unfamiliar, XXXX for about {$220.00}, and another for XXXX XXXX for just under {$10.00}. I called in to the fraud team at BOA and they were reviewing the account and verified they were ONLINE purchases, no chip used. At the same time they saw other suspicious charges out of Vermont I wasnt aware of they wrapped into the claim. 

A few days later I reported those other charges in Vermont were legitimate and I only needed to keep the XXXX and XXXX charges. They said they'll note the account, even though I asked to start a new claim with just those 2 charges. 

As I started to research, I contacted XXXX to engage them in the fraud purchase, and they referred me to XXXX police. I worked with them and it lead to the arrest of the person who purchased the ticket. They tracked the ticket and awaited the user to board and arrested them. I have previously sent this all to BOA. 

Several weeks ago after going back and forth nearly a DOZEN times and about 100+ hours of phone time, they denied it once again, and my final letter advising that 1. Chip was used, and 2. signature obtained. 

the case worker on the account only receives voicemails and i have left them the last 3 months to him XXXX XXXX XXXX, XXXX XXXX ). I have asked for proof of signature. When I call the actual fraud department, every time I speak to them they can clearly see the charges and they were online charges with NO CHIP USED. they also agree that they are fraud, however, when it goes to the investigative unit they deny the claim. 

The reason I am told they deny the claim is that they are still looking at it for all of the 8-10 original charges on the claim, vs just the 2 that I need in the claim.I know the other are mine and they have known that since day 2. 

I am entitled to be treated fairly. The people i am able to talk to all agree it is fraud and online purchases. I also have a police report I have given them that collaborates the investigation and arrest. For some reason it goes to people that wont talk to me and I can only receive letters from them and they do not return calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.

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 explanation
Consumer complaint received 2016-11-16
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX/XXXX/16 at around XXXX i had a horrible customer service experience with employee, " XXXX XXXX '' at Ability Recovery Services. I have never been treated with such disrespect from a customer service representative, let alone another human being in my life. Upon inquiring about negotiating a loan payment, XXXX XXXX became irate, disrespectful, and extremely unprofessional. During our conversation he threatened that he was going to, " play with my credit '' and alluded to putting my account into bad standing. After asking XXXX XXXX to be transferred to a manager or a new representative at the very least, he aggressively replied, " this isn '' t XXXX XXXX, you ca n't always get what you want. '' As you can imagine the whole conversation has left me in disbelief at this point. I replied, " Excuse me '' And in an extremely XXXX disrespectful tone he replied, " you 're excused '' followed by him yelling that my account would be placed into bad standing and that i could n't always get what I wanted. After XXXX XXXX abruptly hung up on me i tried calling back several times in hopes of speaking with a new rep. only to be aggressively and unprofessionally met by XXXX XXXX. After asking to speak with a manager he yelled, " XXXX, you ca n't always get what you want!! There is no other manager, I am the manager of your account!! '' I am in absolute shock at how horribly I was treated and I am extremely disappointed in Ability Recovery Services. My experience has left me feeling XXXX, XXXX, and unsafe due to XXXX XXXX ' threats. I do not feel that XXXX XXXX is fit to have access to such sensitive and personal information. XXXX XXXX prejudice behavior towards me makes me fearful ; not only that he has all of my my personal information, but also that he has expressed intent to use it in a malicious manner. I am 100 % dissatisfied with my overall experience with Ability Recovery Services. As a result of the discriminatory behavior i have endured on behalf of, XXXX XXXX, I believe that I am owed compensation from Ability Recovery Services. How unfortunate that because of my gender, my ethnicity, and my " social class '' I had to endure discrimination when simply trying to pay my debt and better my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX, Midland Credit and who lives near me inquirying my workplace. Workplace hiding reason for hiring. XXXX XXXX XXXX. Via Nurses indirectly by spouse or family ties. 
Setting up and abusing for their own pleasures. Nurses using Substances of catalogs and Midland credit gesturing towards selfish me when it is selfish them! I decided to check out XXXX reason for getting the catalog mailed to my place there are others too! Bought only {$200.00} of which went down to {$100.00}. XXXX when Covid-19 hit. Attempts to pay went to the side in efforts to obtain reemploment. Going through XXXX nurses blocked me since I choose my life ways and was not the XXXX nurses who stalk and scheme via merchandise and proceed to attack via peering into my spending with a tracking device on my body. Midland gestured and taunted with me taking a screen shot of an obvious taunt when my charges went down to {$140.00} and computer getting stuck doible payment did not show. These telephone aides were not explaining anything as showing payment and Road the lies at me. One went as far as tell me to get the facts with no comments saying payments applied. 
I took the screen shot that disappeared out of my phone as it is proof stalking and novas Ive ways proceeded using my date of birth and name to get into my phone computer in google lines. Thus my gmail froze up besides changing all banking more then once since Midland credit lobed onto my payments. Midland is dirty dealing and gestures gaming to be abusive and rude, including using my employer to obtain for themselves the goal of XXXX acts. To ask me to remember my conversation is also to remind them what they did not do. Spit out who they represent instead of upfront paying A BILL. XXXX acts are not allowed if Unions and predator practices are used. 
I therefore claim Midland and bill collectors tactically destroying this country for themselves. Taunting, scheming, stalking and breaking into peoples lives to be XXXX themselves with the misering minds they stand up for. did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Credit card, brokerage, financial institutions rejected and refused to offer disaster impact assistance during the entire year of XXXX and XXXX. This resulted in several accrued fees and compound debt, including late fees, mis reporting to all three major credit agencies and preventing me from purchasing a home. Also, after putting in several phone calls and sending several letters dated back to XX/XX/XXXX, disaster impact by COVID 19 and unemployment was provided to ALL included institutions and nothing has been approved or adjusted in accordance with prior and recent legislative terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: CA
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/2021 I mailed a letter, FTC report and copy of my social security number and ID to XXXX  and Experian for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.

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