BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
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:
I am writing to formally file a dispute regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax concerning the following incorrect information on my credit report, and as of the current date, I have not received a response. I am providing the details of the inaccurate information along with the necessary corrections : The following account was never late : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Please correct and update this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 


The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$150.00} Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NJ
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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
Please be informed that I, a consumer, am conscious that you assumed an essential role to assemble and evaluate consumer credit and supplemental information on me as a consumer. The FCRA known as the Fair Credit Reporting Act was intended to utilize your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to validate reasonable procedures for meeting the expectations of commerce in a manner which is fair and equitable to me with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it comprehensible that I have a RIGHT TO PRIVACY as a federally protected consumer. You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA & the Gramm Leach Bliley Act of XXXXI have called on numerous occasions about my rights being violated. I spoke to the specialist team supervisor and there has been no change to my consumer report. I did not consent or authorize you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization is IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by XXXX. I have mailed an identity theft report via certified mail and need those items removed off my consumer report as well. 

Pursuant to 15 USC 1681 c-2 ( a ) you have 4 DAYS from the data of this notice to comply with my demands as set forth in the context above. This will be my first and final attempt to resolve this as I am prepared to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. 150 day notices need account removed ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS 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 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
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  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.

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 2023-08-29
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Well there was an accident on XX/XX/XXXX Has nothing to do with me i dont even remember what cars my insurance company said was involved but it was not involving my car i insure a XXXX XXXX XXXX  my car or myself was not involved what so ever. Now the person they said was involved was a XXXX XXXX i was living in a transitional home and a bunch of people lived there i did not know her personally or have even spoken to her and on my insurance policy she was listed as an excluded driver along with others but ive never met her we somehow have the same last name and i am not related to her in any way i dont even know how im involved at all now i got a letter stating driver license suspension request and claim settlement offer of {$9700.00} that i have to pay and i work as a driver this is messing with my livelihood i have a child to provide for and i shouldnt have to pay for something i was never involved in and didnt do

Company response to consumer: Untimely response
Consumer complaint received 2021-05-04
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, a counterfeit Visa debit pay card was used to withdraw {$980.00} from my account. The following is a timeline of account activity on that day as well as communication between myself and the XXXX XXXX customer service people. 

XX/XX/XXXX XXXX XXXX  : Online purchase of XXXX XXXX from XXXX using home computer XXXX XXXX  : Withdrawal of {$200.00} from XXXX ATM in XXXX, CA ( 50 miles away ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$200.00} ( same location ) XXXX XXXX  : Withdrawal of {$180.00} ( same location ) At approximately XXXX XXXX  of the same day, I attempted to use my card to purchase food at XXXX XXXX XXXX restaurant, located at XXXX XXXX XXXX, XXXX XXXX CA XXXX ( approx. 6 blocks from my home ) The card was declined. Thinking it was their card reader that was malfunctioning, I went to use an ATM machine at the XXXX store next door to withdraw cash, but the card was declined again. At this point I called XXXX XXXX 

XXXX XXXX : Called XXXX XXXX and after reviewing last 5 transactions, disputed the withdrawals and cancelled the card. Was told by customer service rep investigation would be made, taking at least 45 but no more than 90 days before money would be replaced in my account. 

XX/XX/XXXX XXXX XXXX  : Called XXXX XXXX  to inquire about investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Received letter dated XX/XX/XXXX from XXXX XXXX stating investigation completed and no error occurred. Called them and was told to send email to ADP to reopen investigation. 
XX/XX/XXXX XXXX XXXX : Emailed ADP as instructed to reopen investigation. 

XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told there's no record of it being reopened, etc, etc. After explaining several times and providing date and time of email I sent, investigation was NOW officially reopened. 
XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX  : Called inquiring about progress of reopened investigation, was once again told they had no record of the investigation being reopened (! ) Here we go again. After about 10 minutes, the CSR was finally able to find that it HAD been reopened, but there was no info on its progress. I asked for a record of dates and times of calls from me to XXXX XXXX, and the CSR gave them to me. 
( wouldn't give me the names of who I spoke with each time though )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Be Money, Inc. (DBA Daylight)
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I obtained a debit/credit card called Daylight. They were strictly a mobile banking entity and did not have a brick & mortal bank location. The card closed operations in XXXX of this year and I had a savings balance with them of {$6300.00}. I followed their instructions on how to transfer my balance to another account between XX/XX/2023 & XX/XX/2023 ( splitting it up over 4 transfers : {$2000.00}, {$2000.00}, {$2000.00}, {$330.00} ) but they pulled the funds back between XX/XX/2023 & XX/XX/2023 and now the website and mobile app are no longer available. I do not know how or who to contact to get my money. I believe the backing bank was called XXXX, XXXX. and their routing number is XXXX. I am out {$6300.00}. Please help me get my money back. Here are some links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-09-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
After receiving dozens of offers from Amex, our business decided to apply for Amex Platinum with " no limit '', and we got approved. Since the begining, the process has been terrible. Initially, checking the spending power, the Amex website showed up to XXXX but the card got blocked as soon as the balance reached XXXX. Its been 2 months dealing with this for a business that is processing XXXX in sales so far in 2021, and growing. After discussing endlessly and using other cards, payments were made and neither Amex Platinum nor Blue cards are overdue. This morning, I check the spending power and it was approved for XXXX however, when I tried to pay my vendor, it got denied and I got an email from Amex that the card that has " no limit '', has a limit now of XXXX. Given current balance is at XXXX ( knowing XXXX is due XX/XX/XXXX ONLY ), now this credit card has a negative balance of XXXX per its new reduced limit. Even worse, if I make any payment from now till XX/XX/XXXX, it does not free the credit so to use for other purchases like any other normal card does. Amex is playing with our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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: Information belongs to someone else

Complaint:
Equifax is showing three accounts that are not mine. I have filed fraud with them and out a fraud alert on my credit burea account. The three accounts that are fraud and not mine in my XXXX  account are : 1. XXXX XXXX $ XXXX-XXXX  XXXX XXXX 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX- {$500.00} These are fraudulent accounts that are not mine. 
XXXX  is showing the following fraudulent charges. 
1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$450.00} 3. XXXX  XXXX XXXX- {$2100.00} XXXX  is showing the following fraudulent charges. 
1.XXXX Funding- {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am the co-applicant of a vehicle purchased. The applicant filed Chapter XXXX Bankruptcy. My issue is : 1. ) I have been refused any statements 2. ) I can not review online records of the loan activity ; therefore, I am unable to confirm or determine the validity of their financial records 3. ) payments are being reported on my credit bureau that are not 30days delinquent based on the terms of the loan.

4. ) Credit reporting on information that is not available Is this not a direct violation of Chapter XXXX Bankruptcy automatic stay? If not, it is a violation of my consumer rights to have information readily accessible. 
Per FCRA " Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA. a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based upon your 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
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUNION is in WILLFUL violation under the FCRA 15 USC 1681e COMPLIANCE AND PROCEDURE aswell as under 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS. There is no LAW that requires TRANSUNION to furnish TRANSACTIONAL INFORMATION BUT there is a LAW that DEMANDS TRANSUNION TO NOT REPORT TRANSACTIONAL INFORMATION under 15 USC 1681a ( 1 ) ( 2 ) - EXCLUSION. Besides that fact TRANSUNION has been directed to perform their Fiduciary duties to exercise their GRAVE DUITES under CONGRESS LAW and perform under 15 USC 1681a ( 1 ) ( 2 ) and remove the requested accounts from my consumer report. TRANSUNION has decided to act on its own agenda and conduct itself in BAD FAITH in refuses to perform under the FCRA. TRANSUNION has instead claims they conducted a RE-investigation and has verified the alleged accounts. I DEMAND TRANSUNION under 15 USC 1681e PROVIDE ME THE EXCAT PROCEDURE IT TOOK TO VERIFY THE ALLEGED ACCOUNTS AND THE PROCEDURE IT TOOK TO MAKE SURE THESE ACCOUNTS ARE 100 % ACCURATE with names and addresses of those personally interviewed as it is defined under the term investigative consumer report. TRANSUNION has also decided to commit FRAUD against me the consumer by reporting accounts that have been CHARGED OFF and WRITTEN OFF. These types of accounts are fraudulant to report and can cause massive harm to a consumer as RULED BY COURT CASE LAW -Mund v. Transunion Persinger v. Sw. Credit Sys.. TRANSUNION is not only in willful violation under the FCRA but are also under violation under FEDERAL COURT RULING.

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 2022-12-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE FINANCIAL SERVICES COLLECTION/CHARGEOFF Other {$150.00} Status Date Reported XX/XX/2022 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 7 Months Credit Limit Not Reported Highest Balance {$110.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remarks Placed for collection.

Company response to consumer: Closed with explanation