BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Marcadis Singer PA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent a certified letter to Marcadis Singer Law Firm on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX, I disputed a fraudulent inquiry on my Equifax consumer credit report and it was not block and removed.The information that XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX is not information relating to any transaction by me. 
I have file a identity theft report with Federal Trade Commission to notify them that I am a victim of identity theft and I have notified them that Equifax is reporting these two companies on my credit report. Also note that I have a active fraud alert of my Equifax credit file and I WAS NOT NOTIFIED WHEN THESE INQUIRIES WERE TAKING PLACE. The Identity theft documents are attached. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts -15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: LEXISNEXIS
State: IN
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:
XXXX XXXX and XXXX is reporting a XXXX reported by Lexis Nexis not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Bread Financial Holdings, Inc.
State: CO
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 random late payment showing up on my credit report with a company that i was never late with. If i was ever late it was because i never received a bill. Please help me get this removed. I have tried disputing it with the credit bureaus but not had success and i have had no explanation as to how i was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 2021-06-16
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I started with XXXX XXXX in XXXX. Paid them XXXX Euro by credit card to start an account. Their broker XXXX was the contact, XXXX by signal message. He phoned at random times so I told him to cancel the deal and return the money. XXXX XXXX did all the trading, never asked me what/ how much or anything. Then the manager XXXX got on the phone and became my senior broker. All further payments were by bitcoin using XXXX. XXXX would go on XXXX and perform all the XXXX transactions on my laptop. XXXX wanted XXXX, which I paid. The trades on XXXX looked good so I then paid another XXXX by XXXX. The trades got past {$350000.00} so XXXX asked for some insurance to protect the fund, I paid the insurance, circa 40,000. The trades got better and reached about {$600000.00}, since the insurance was only valid up to {$350000.00}, I needed to top up the insurance to $ XXXX, so paid another circa {$35000.00}. 
Some trades went negative when XXXX XXXX did transactions which I told them were stupid with Gold. To trade higher than the world record was madness. I then wanted cashed out. The trades were about {$630000.00}. I then had to pay a negative trading amount of circa {$40000.00}. A franchise fee of 4 %, about {$30000.00}. We set about doing the withdrawal when apparently I made a mistake and the funds were sent to the wrong wallet, which was a cold wallet! 
XXXX XXXX, the accounts manager was now involved and needed to get some XXXX programmers involved XXXX XXXX XXXX. I need to create a XXXX bitcoin wallet, circa {$80000.00} to enable XXXX to restore the funds. This took about a week with lots of stress. When it was restored, I needed to go down the traditional banking route to get the funds back to my account since the XXXX approach had been burnt. XXXX XXXX, fees 3.4 % plus currency fees, so I paid about {$50000.00}. Also had to pay taxes for the profitable gain of {$400000.00}. I paid about $ 80K in taxes since the bank route required XXXX taxes to be paid as well as the cryptocurrency tax route. 
XXXX XXXX  sent the money to XXXX XXXX  in XXXX, so had to pay another {$35000.00} to XXXX XXXX. This was now a very risky route given XXXX were cautious over money laundering and the funds might get lost or at least queried. XXXX then decided to go back to the cryptocurrency route which required another XXXX bitcoins to be paid. Circa {$40000.00} was paid, this then needed another XXXX bitcoins to make a link. At this stage I told them they needed to help. They offered to pay 50 % for my 50 % so about XXXX each.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Grain Technology, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This company is horrible. They disconnected my banking information for no reason and has not allowed me to change it. 
This has resulted in late fees and charges that could have been avoided. I try calling and emailing and get no response! It's like they DON 'T want you to be able to change your info to get your balance paid. They refuse to allow me to change it to get this paid and it has become adverse on my credit reports. This has been going on for MONTHS. Can someone from this company PLEASE CALL ME. I simply want to pay my balance, PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF THE WEST
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was involved in a scam where I was sent a check to be used to purchase pet supplies for a family I was to be dog sitting for. I went to my bank told them I was suspicious of the check asked for advice and was told absolutely nothing as they deposited the check into my account. They also told me the full amount of {$3700.00} would be available the very next day. When I have had checks for only {$200.00} that took multiple days to clear. Over the weekend I had a bad feeling about the check I had deposited and decided to send it back to the party who sent it to me XXXX XXXX I had been in contact with her for over a week but when I told her I would be sending the funds back she acted weird and sketchy and I knew I didn't want any part of this scam. I went to my bank Tuesday after presidents day and asked what was the most secure way to send a check or money for that matter that I could stop payment on if necessary and she told me a cashier 's check. I proceeded to get a check for the {$3700.00} minus fees and it was sent later that day. I found out XX/XX/22 that it was a bad check when my bank Bank of the West stole money out of my account because they cleared a bad check to cover their own XXXX and then I was charged an additional {$15.00} because my bank didn't notify me the check was bad until it was too late. The funds should not have been made almost immediately after depositing and because it was a bad check it shouldn't have cleared. I didn't have {$3700.00} in my account to send back to them if the check was bad. Bank of the West stole my money and they need to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: REGIONS FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Due to XXXX forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of XXXX and legally should not have them there. 


Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by XXXX should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ( XXXX XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Below I have highlighted in yellow boxes of inaccurate information that is being reported on my credit report. I have also attached a picture of my Drivers license and social security card

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXXXXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-31
Company: SYNCHRONY FINANCIAL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX was supposedly sent out in XXXX of XXXX and between XXXX of XXXX the card was charged the full amount of credit. I never received this card nor approved of this card nor apply for this card. I was not notified of any charges on this card until XX/XX/XXXX when I received a late payment notice in the mail I called synchrony bank that is when I was told that there was a credit card that was approved and sent out to me the year prior and charged up. There was also an email attached. To this card, so XXXX assuming that is how they were getting statements nothing was sent to my house until they missed a payment as a paid XXXX months of payments. I have tried to resolve this issue since in the bank statements from my bank account for all the months that somebody made payments I have also sent in a police report to show that Ive never received this payment. These charges were not made by me. They continue to state that I am liable as Ive benefited from the use of this card which is not true I have never even received this card. I have also had to deal with other identity theft issue since then, but I have had XXXX who has helped resolve and have been able to put a seven-year continued lock, on my credit reports, I am asking them synchrony bank remove this off of my credit as I was not responsible for any of these charges I have sent them documentation to show that I did not use this card. They have made no real effort to help resolve this in the right way.

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 2021-06-16
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:
I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I notified the credit reporting agencies that these accounts were inaccurate and fraudulent on XX/XX/2021. According to FCRA LAWS, they were supposed to remove these accounts within 4 days of receipt of my official statement, it is now XX/XX/2021 and the accounts are still reporting illegally. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Systematic National Collection, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Systematic National Collection is damaging my credit reports, yet has not validated that I owe them anything. There is no proof of a signed contract between myself and SNC. Also, SNC is not licensed with the State of Arizona, a state in which I reside. I am also filing complaints with both the AZ Attorney General and the CA Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: AL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation