BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was in the hospital for over a year due to XXXX. I lost everything inclusing my wife passing from covid. I contact all credit companies via calls, email, and letters. 
XXXX XXXX placed me diseased. All credit agencies show no credit for me. I cant even get a car. 
They said they can not help because its all Charged off and your dead. 
The credit companies Cant accept payments and if they did they would not help my credit. The credit agencies are no help what's so ever. 

Here 's a list of the creditors The last one listed took a payment and cleared but so up negative on credit report. 

Im XXXX XXXX XXXX, XXXX XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Past due 150 days. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5300.00} Status Account charged off. {$5300.00} written off. {$5300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX I Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/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 2023-07-19
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX I called Eastern account systems for XXXX XXXX. about a account that Ive disputed several times with all 3 credit bureau. When I called them on or about the XX/XX/XXXX. Their own system couldnt verify any debt tied to my phone number. Which Ive had since XXXX. After waiting on hold for approximately 45 min a gentleman named XXXX XXXX got on the phone. And was very rude. He kept cutting me off when I try to explain what the issue was. And after I gave him my full name. He wanted me to verify address, social security number, date of birth. I told him no for my security I need them to verify this debt. And I would verify any information they might have. XXXX XXXX got angry and stated he doesnt have to do anything and that he was personally going to make sure it stayed in my credit until the day it was paid in full. And only at that time he would think about removing it. When I asked him for his supervisor he simply laughed and then hung up on me. I still dont know what this debt about or any information because Ive never received a verified debt notice. They cant seem to give me the basics of information about this debt. On my credit report has no account number. It says its from XX/XX/XXXX but i was homeless due to hurricane Ian up till XX/XX/XXXX when the VA got my family into a home and out of the hotel. They had to pay a extra XXXX deposit for a total of over {$9000.00} just to be able to rent a house do to this negative and bogus reporting done by Eastern Account System on behalf of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My loan on my XXXX XXXX XXXX is through capital one auto finance. When I purchased my car from XXXX XXXX, XXXX MD XX/XX/XXXX I also had gap protection purchased. My car was hit and totaled in XX/XX/XXXX. I received payout for what the insurance was giving me, but I still havent received a check/ credit for the remainder on my loan and I am still paying payments on my auto loan for a car I am not driving. I already spoke with the dealer, capital one, and the third party company whom the gap protection was with XXXX XXXX XXXX XXXX. I am doing everything I can to find an answer and get a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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 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 2022-06-17
Company: Experian Information Solutions 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:
To whom it may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately.

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 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Great American Finance Co
State: OR
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 XXXX XXXX XXXX, and I have provided all of the documents to provide proof of this and I would like XXXX XXXX REMOVED FROM my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: JPMORGAN CHASE & CO.
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 been attempting for months to get Chase Bank to correct a negative report ( 30 plus days late ) on my credit report. They have refused to cooperate, claiming the report is accurate ; I filed disputes with the credit reporting agencies, to no avail ; I even retained an attorney ; Chase ignored her letters. The payment in question was only two weeks late, and the reason it was late is due to the fact that my automatic payments needed to be reauthorized, and I was not informed of this fact. Once I realized the payment was late, I immediately phoned Chase to make the payment, and reauthorized the automatic payments. In short, I have acted in good faith -- and Chase has refused to do the same. 

The document attached shows the payment going out on XX/XX/2019 -- the payment was due on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26
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: Their investigation did not fix an error on your report

Complaint:
There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
In early XXXX, 2020, I tried to access my Coinbase trading account on-line. I had lost my mobile security authenticator application and was denied access to my Coinbase account until I re-verified my identity. Over the next few weeks I tried unsuccessfully to verify my identity using their on-line instructions and program. I tried several times to contact their support personnel but the only answer I received was to " try again '' and to use their on-line trouble shooting information. Their instructions made it necessary to have a web camera to take a personal picture. I had to buy a web camera and again tried to follow their instructions. Whatever I tried never worked and I have not been able to access my trading account. On XX/XX/2020, I sent a letter to Coinbase asking for their assistance XXXX letter attached ). I have not yet received any response from them. I continue to be unsuccessful in satisfying their requirements to reestablish my identity using their on-line information and, continue to get no help from them.I tried again several times today ( XX/XX/2020 ) with no success. 
I have no idea what else I may do to access my trading account and I continue to get no help from Coinbase in my situation. I am asking for your intervention to get support from Coinbase to access my assets. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Bridgecrest Acceptance Corporation
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:
To whom it may concern, I've never given XXXX/XXXX  my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 

15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer Please provide any documentation with my written consent allowing XXXX to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately.

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 2023-06-07
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:
This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2022-06-17
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Late fees, disputes fee with 30 days, was no respond and late fees veries in amouts from XXXX and than in a diferentes sstanents it shows XXXX very strange.. Was not disclosed to me any if this ..Intrest discrepsancy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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:
Ive sent a letter to Equifax to stop XXXX reporting false inaccurate information on my credit report.Why is it they can get away with not contacting me or fixing the situation? Its been over 60 days since I received a XXXX response from them! This is against the freaking law to not respond to me which by law your supposed to delete them off my report if you don't respond within 30days! You violated the United States Code Law 15 U.S. code 1681b permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) I never gave you written cnt to report this on my consumer report! Remove it off my report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collection agency is trying to collect a debt from a person that is not associated with me in any way. I have never owed an unpaid debt. The company has, since XXXX of this year, sent me five phone calls and two text messages from several different phone numbers, which manage to bypass the spam filters on my phone. In addition, they provided personal information of the person who they were attempting to collect a debt from without first verifying that they were contacting the correct 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 non-monetary relief