BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Kansas, to inquire about a test drive for a vehicle shown on their website. I informed the salesman that I was interested in a newer model but saw that their car was comparable to the one that I was currently considering. The day after, I met with the salesman on the evening of XX/XX/2023, just before closing. I reiterated the same information that I had given him over the phone. The salesman knew I only wanted to test drive the vehicle ; he asked for my keys as collateral and took a copy of my driver 's license.

After test driving, the salesman became very pushy. I informed him that although the vehicle drove nicely, it was not what I was interested in. I was calm and professional throughout but felt tense the entire time. I believe that he intended to get me to buy a car that I was not even interested in. I felt trapped while they held my keys in their possession. I was unaware then, but every time the salesman would leave the conversation with me ( three to four times ), he was plotting with the finance manager. The salesman continued to ask me questions while I requested him to clarify because I am not an expert in automotive sales. The salesman left the table again and brought a man back with him ( I found out later he was the finance manager ).

The finance manager approached the table and aggressively continued to push me to buy the car. I explained that I was only interested in test driving and comparing numbers. He informed me they would have to check with the bank for accuracy. He started using jargon I didn't understand, so I asked him to clarify. When I asked him, " Is this a hard credit check? '' he did not answer with a yes or no answer. I asked him to continue to clarify. Both of them asked for my personal information. I sat there anxiously, wanting to leave, but they still had my keys. 

The next day, I discovered that XXXX XXXX had run my credit through three banks. When XXXX XXXX called me back, I asked the same finance manager again if this was a hard credit check because this was not what I asked for. He replied yes and said I agreed by saying, " All alright, Go ahead. '' I was enraged and felt misled. All I wanted was some quotes and figures to compare and contrast. Instead, the salesman and finance manager subjected me to unethical sales practices and horrendous customer service.

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 2023-05-28
Company: First Federal Credit Control, Inc.
State: FL
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:
in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

i told XXXX, XXXX, and XXXX to reinvestigate these accounts account name : First fed credit control : XXXX XXXX however, they stated everything was completely accurate. But how is that possible if the open date, date of last activity and much is incorrect. 
according to 15 usc 168 1i ( 5 ) they are supposed to modify accounts that isnt reporting correctly 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 a 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 then records of convictions of crimes which antedates the report by more then seven years 15 u.s.c 1681s=2 ( A ) ( 1 ) A person shall not turmish 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 also they arent even in compliance with XXXX XXXX credit reporting. i have evidence to prove my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}

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 2023-10-05
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Sub-product: Store credit 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:
for three weeks I had been assured problems were solved. Three times I was told that it would be done in 24 hours. It was not. I had over 20 calls with customer care and the management of the store. I wasted hours, getting disconnected several times when I asked for a supervisor. 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 2018-05-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The Experian free annual credit report does not print correctly. I printed all 3 credit reports from Experian, XXXX, and XXXX, and all were fine except for Experian. Their page/report is formatted in such a manner that there is a lot of blank space on the left portion of the page and the information on the right side of the page ends up being cut off. I tried printing the report in different orientations ( landscape and portrait ), different zoom levels, etc., and results were always the same. 

Information cut off when printing the report includes : My Name Balance Balance Updated Date Recent Payment Amount Monthly Payment Amount Credit Limit Highest Balance Terms Sample Provided with personal information redacted. 

Neither XXXX nor XXXX had this issue. In fact both them offer an option to download the report as a PDF, thus avoiding website formatting issues or incompatibilities with certain browsers ( I use XXXX ). Not only is Experian 's website unable to format the report in a manner that can be printed, but they also don't offer the report for download as a PDF. 

It appears to me that Experian have chosen to go out of their way in order to snub US citizens who chose to exercise their right to receive a free copy of their annual credit report. I can only assume the reports they sell on their website do not come with the " limitations '' that are included in the free 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 non-monetary relief
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: HI
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:
Certainly, here 's a template for a dispute statement regarding the incorrect credit card information on your Experian report : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Card Information To Whom It May Concern, I am writing to formally dispute and request correction of inaccurate credit card information on my Experian credit report. The information in question is as follows : - Creditor Name : [ Credit Card Company Name ] - Account Number : [ Account Number ] - Date of Inaccuracy : [ Date ] I have made diligent efforts to rectify this issue, including providing Experian with a statement reflecting the correct information regarding my credit card account. Despite my attempts, Experian has thus far failed to correct the inaccurate reporting. 

I request a thorough investigation into this matter and urge Experian to promptly correct the inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. A copy of my recent statement from [ clearly showing the accurate account details. 
XXXX. Proof of my identity, including a copy of my driver 's license and Social Security card. 
XXXX. Any additional information or evidence that may assist in the resolution of this dispute. 

.

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 2018-05-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Ive been receiving harassment calls for almost a year and tried disputing this fraudulent account Im not liable for several times. Now Im being threatened to be exposed on local newspapers also posting documents regarding this debt in 3 public places. They are now stalking me to job and home also left a paper stating its from a XXXX XXXX XXXX on XX/XX/2018. Its not my debt! Its scaring my family that random people are filling us trying to serve us documents. The debt collector is XXXX XXXX XXXX and contact information on the letter posted on my door is 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 2023-07-24
Company: Rocket Mortgage, LLC
State: UT
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 spoken with XXXX on multiple occasions, I have financed several items through XXXX and paid all in full. XXXX has reported many late reports to XXXX despite the payment dates being inaccurate. I have paid all accounts in full and have given XXXX documentation showing the inaccuracies. I am needing help to remove the many negative reports from XXXX company that advertises to consumers that they do not have late penalties yet report despite accounts being paid. 

Rocket mortgage ran a hard credit pull in XXXX of 2023 and in XXXX and XXXX in XXXX of 2023 without my consent and then gave my information to another company. I have attached documentation of this. I have asked the hard pull to be removed and am not being helped with this and need to have it removed to be able to purchase a home for my family. 

I specifically asked Rocket mortgage NOT to do this and still it happened. The company will not work with me to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the secured party and first lien holder and i have been harassed and my rights were infringed on. violating 15 usc 1681 ( a ) 15 usc 1681 ( b ) 15 usc 1681 and 18 usc 241 18 usc 242

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I scheduled a payment which was late, but tried to establish the payment for XX/XX/2023. XXXX XXXX online portal switched the " payment date '' to XX/XX/2023 which is the date for when I went to schedule the payment to effect a payment date, but I clearly put XX/XX/2023 in the date field. This is concerning and is considered fraud and potentially theft. I was aware that the payment was behind and I had plans to pay it, but this company having their system do this will almost certainly cause issues if there aren't enough funds on the date that they try and attempt taking the payment. 

This company is already being investigated for other forms of suspicious practices by none other than Attorney Generals across several states. 

I am beyond appalled and concerned and will probably be paying this off in a faster time frame now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2023-03-06
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX balance : {$70.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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