BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: MD
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 just filed a complaint with equifax and they said they need 60 more days to research but they said completed their research. They received the letter XX/XX/21 that is over the 30 day day period. Per the fair credit reporting agency the research should not take more than 30 days. There research should be done. They are stalling. They are not properly researching they are keeping items on my credit report without proper research. The research should be completed in 60 days because of COVID. They should not get an additional 60 days. I asked them to provide the information of where they got the information per the fair credit reporting act and they never send it they have no regard for the statue. They have bankruptcy on my report they said they got from XXXX but it is not on XXXX  report. 

They keep saying they get their public records from XXXX and the bankruptcy they have on my report is not on XXXX consumer report. I attached my XXXX report from XX/XX/21 and XX/XX/21 to show it is not on my report. They are breaking fair credit reporting act. They should not get 60 mores days which means they will have 120 days of research time. They are stalling while continuing to negativity affect my credit report. They should only gave one more week which makes the tome 60days. I attached letters and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX Consumer Number : XXXX Case Number : XXXX- Contains several errors and other sensitive information. This letter received today states- XXXX responded by saying they could not verify my identity completely verify my identity on XX/XX/XXXX but sent a full consumer disclosure report - to me - Apparently a stranger because as stated in their most recent response dated today XX/XX/XXXX, XXXX could not verify my identity. The request to opt-out was submitted on XX/XX/XXXX. 

A response was received - on XX/XX/XXXX Stating the burden of proof is on the consumer which is 100 % incorrect. 

XXXX XXXX as an entity is responsible for providing information on how the items collected in the consumer file have been validated. 

I requested a VALIDATION OF INFORMATION ON THE CONSUMER FILE AND XXXX DID NOT PROVIDE VALIDATION OF INFORMATION AND HAS VIOLATED MY RIGHT TO PRIVACY by POSTING ITEMS ON A CONSUMER REPORT WITHOUT VALIDATION. THIS CAUSED ME REPUTATIONAL HARM. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Technically- All items should be deleted at this point. XXXX has not provided any information on how they were able to collect personal information. Instead, they have responded with nonsense.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The unverified account 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360000.00}.

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 2019-06-12
Company: Bread Financial Holdings, Inc.
State: CT
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:
I have a Victoria Secret Card, and I hardly ever use it. I've paid it in full in XX/XX/XXXX, and they posted a late fee on my account, and also reported me 30 days late. Then I pay it again in full the following month, thinking it was paid from my previous payment, and I receive late fee charge and again, another 30 day late. So far I've had like 7 or eight 30 day late payments on my credit so far, and I can count on my hand the amount of times I've used this card..No matter what I do, they just charge me late fee 's and outrageous interest with no end in sight. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX CT. XXXX XX/XX/XXXX S.S. # XXXX Comentity Bank/Victoria 's Secret Account Number Ending In XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I ordered furniture from JcPenney about 3-4 years ago ( to include warranty ). The furniture kept falling apart ( despite multiple replacements ) so I asked for a refund. The company took three months to pick up the broken furniture and had not refunded me the amount paid. The company then put my balance as owed on my credit report - even though the amount owed to me surpassed the amount I owed them. I worked for three years to get this resolved and was finally issued a check this XX/XX/XXXX for over {$800.00} ( amount owed on credit report was {$660.00} ). Even though I have finally received my money, the collection is still on my credit report. I have disputed with the credit bureaus but JcPenney still certifies the collection. I have called JcPenney, Synchrony bank ( card company ), and XXXX XXXX XXXX ( collection company ) to dispute and no one seems to know who can remove this mark from my credit. I have also sent certified letters and all of my documentation ( attached ). I have now enlisted the services of an attorney as I am trying to acquire approval to purchase a home but this mark on my credit is helping to prohibit 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 2021-02-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This is the first occurrence of this issue. It is a urgent issue. XXXX I received a new coinbase account and then waited for my self to be authorized and I was 5 days later. Later on I am back to being on review XXXX. Case # XXXX. I got my account locked because I had no choice but to call coinbase. I have an amount of money which is increasing because of a positive growth and I have not been able to do what I wish with my own money. I tried to email many times and never did it fix the issues. Once I was aware of the fact that coinbase is not a trusted company and they have been doing this to many longtime customers then I would like to get my money while Im still in profit and get out! When I sent a long email addressing the issue for the 5th time I said I would contact CFPB and they responded the next day and unlocked my account but did not confirm it is my account. I sent in my drivers license, passport, health card and my face. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, Equifax and XXXX have both deleted those charges and brought the score back up. ( XXXX is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, Equifax, XXXX, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent a payoff request for XX/XX/XXXX via the loan company 's website which was acknowledged and forwarded to the proper department. XX/XX/XXXX, I sent an email seeking a response to my original email. XX/XX/XXXX, I filed a complaint with the XXXX. XX/XX/XXXX, I received a response to the XXXX complaint from the loan company stating they are required to respond to all complaints but that it was an unofficial response. XX/XX/XXXX, I emailed the president of the loan company seeking resolution. 

This company is also notorious for not processing payments in a timely manner. The most recent example- I mailed my XXXX payment on XX/XX/XXXX and the payment finally posted to my account on XX/XX/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 2021-02-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After reviewing and trying to have items removed from my credit file I have come to a dead end with the companies as well as the credit reporting agencies. I really need the inquires, a chapter XXXX that I have no idea of and accounts that were open that i wasn't aware of. I have been going through this for years and this is stopping me from living a better life for me and my children. Some things have been removed due to the fraud, but there are still items that i need removed. The jobs I'm applying for are having credit checks for employment and items on my file are really hurting me. I didn't know where to turn to so I'm here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We ( myself and my daughter ) have tried unsuccessfully to open a fraud investigation with Bank of America since XX/XX/XXXX as a large sum of money was recently noticed to be missing from my checking account. On XX/XX/XXXX we called a started to give Bank of America dates and sums of some of the transactions- most in XXXX XXXX were ATM withdrawals of {$200.00} on a regular basis sometimes up to 4 times a day. Bank of America could not finish filing my claim because I did not have the ATM/debit card number associated with my account even though they had my ( now ) closed account number. We called back on XX/XX/XXXX to try to finish opening a case/claim but were unsuccessful again. I am an elderly man in his XXXX 's who is a naturalized citizen who speaks no XXXX and is not technologically savvy and even with my daughter 's help, we are getting the run around. The amount taken from my checking account just in XXXX alone is {$120000.00}. We have yet to receive the statements from Bank of America for XXXX after two weeks of waiting. I am also upset that when these transactions took place, the bank never called me to notify of such suspicious activity.

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 2023-03-07
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I cosigned for my brother to get a vehicle. The lending company we had to go through was Credit Acceptance. My brother stopped making payments and put the truck in repossession. They keep reporting late payments on my credit report. I've given them 3 locations for where the truck is and they still have not repossessed the vehicle. I was told that I can't hire someone to repossess the vehicle but yet I'm still responsible for the loan. My credit is getting trashed every month and I have no legal recourse for turning the vehicle in. I tried to do a voluntary surrender and Credit Acceptance said that my brother has to consent to that as well. Even with the truck up for repossession. I've offered to pay half the loan if removed from the loan contract and repair my credit. I was told that's not an option either. I'm nowhere on the bill of sale, title or registration but being wrecked credit wise with no way to fix this. I seriously need help with this or directed towards an attorney that can help

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 2021-02-09
Company: EQUIFAX, INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On my birthday XX/XX/2022 a foreign person had got access to my account at Wells Fargo and used XXXX to tamper in my account sending themselves XXXX and transfered money from my savings to my checking in the amount of XXXX but I saw this and wells fargo team transfered that back.I had to wait seven days to get the XXXX back was disappointed and upset at why my bank didn't see that as fraud attempt.

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 2023-03-07
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

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 2023-03-07
Company: FORD MOTOR CREDIT CO.
State: FL
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, 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 credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 Balance {$0.00}

Company response to consumer: Closed with explanation