BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
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: Investigation took more than 30 days

Complaint:
I have accounts and addresses not belonging to me, 4 car card loans with XXXX XXXX  when I only have one loan, XXXX in which they told me this account was removed, as well as XXXX and XXXX in which I was told this was blocked. 
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
EVERY SINGLE DAY/ 7 days per week Nissan Motors Acceptance calls me regarding my lease payment that is less than 30 days past due. They call me between 4-6 times daily it is harassment and stressful. If I didnt have the money at XXXX, I do not have it at XXXX Am and if I got it, I would have paid it. That many phone calls per day is intended to harrass the customer. I have so much XXXX I cant even be in the same room as my phone. They call almost as late as XXXX PM. They need to STOP HARASSING CUSTOMERS. That many phone calls in one days is not going to yield outstanding payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions is attempting to collect a debt that I do not owe. I do not and have never had an account with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX A fraudulent check for {$5000.00} was cashed by XXXX  XXXX XXXX from our business checking account ending in XXXX with Key Bank. The original check ( number XXXX ) was issued to one of our suppliers ( XXXX XXXX ) on XX/XX/XXXX for {$2000.00}. The person who cashed it electronically for {$5000.00} was XXXX XXXX with contribution written in the memo section. 

XX/XX/XXXX I noticed the transaction on my on line banking and did not recall writing a check for that amount. I spent 3 hrs. with the Key Bank Branch in XXXX and The XXXX XXXX Sheriff, s Dept. getting all of the paperwork in order. At this point, I was told by the branch manager that it should be resolved within 2-3 weeks. 

XX/XX/XXXX Called the XXXX Key Bank branch and they said they had no information. 

XX/XX/XXXX Called the XXXX Key Bank branch ( spoke with XXXX ) She said that she would get back to me ( allegedly in the pipeline ). 

XX/XX/XXXX Spoke with XXXX XXXX XXXX branch ), she said that this had been handed over to the Key Bank Fraud Dept. on XX/XX/XXXX and that it could take up to 90 days to resolve from that date. ( not what I was told on XX/XX/XXXX ). 

XX/XX/XXXX Spoke with XXXX XXXX, XXXX branch manager and she said it should not take that long and she would look into it personally. 

XX/XX/XXXX XXXX said it would be 60 days. 

XX/XX/XXXX XXXX said we are getting close with the fraud money and would keep me posted. 

XX/XX/XXXX Called XXXX, said she would get back to me soon. 

XX/XX/XXXX Called XXXX branch, spoke with XXXX, said XXXX would get back to me. 

XX/XX/XXXX XXXX called, said they were working on it, no real progress. 

XX/XX/XXXX Called XXXX, no response. 

XX/XX/XXXX Called XXXX, no response. 

XX/XX/XXXX Called Key Bank Fraud Dept., XXXX branch. Spoke with XXXX. Said she would get back to me and that we should get the money soon. No return call. 

XX/XX/XXXX Called XXXX Reminded her that it had been 7 months. She said they were working on it and blamed the Key Bank Fraud Dept. and XXXX XXXXXXXX XXXX. 

XX/XX/XXXX Emailed XXXX to remind her that it has been 8 months, no response so that why I am finally taking this route.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: AZ
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 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} 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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written to TransUnion numerous times since XX/XX/2021 that someone fraudulently applied for a credit card in my name through XXXX. TransUnion always validated the debt, which resulted me conducting my own investigating. I was desperate, because I was in the process of buying a home, but the underwriters stated I had to resolved my issue with TransUnion. I contacted XXXX and they stated they contacted TransUnion and followed up with a letter. I sent that letter from XXXX to TransUnion and TransUnion, I sent a letter to XXXX rebuking them on their process and they sent another stating they are unable to find evidence that the trade line display with TransUnion. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX  to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before, when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been validated, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I went through credit karma to retrieve my TransUnion Report. I can conclude that TransUnion took my letters as frivolous and did not take my complaint serious.

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 2023-01-29
Company: Experian Information Solutions 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:
I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, 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 2023-01-28
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any bills and do not know what this collection is for. It just showed up on my credit as a collection. It is for {$360.00} from Asset Care LLC. Opened XXXX XXXX 2022. No phone number for them is provided, only an address. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
It is not fair that this can ruin my credit score and I dont know what it is for and have never received bills or calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 2021-05-06
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: Their investigation did not fix an error on your report

Complaint:
I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: ALLY FINANCIAL INC.
State: NH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ally Financial/ Ally Bank , or to whom it may concern, you may not communicate with me by sending statements and reminder notices, this would be a infringement upon my rights as i served you a valid cease and desist pursuant 15 USC 1692 c ( c ) i specifically requested Ally Financial/ Ally Bank to not communicate with me the consumer. for Ally Financial to still threaten and harass me is deceptive and unfair to me as a consumer. 

Ally Financial other claim saying they have a right to share my private personal information to third parties, is again violating my right to privacy. company policy does not supersede my right to privacy.

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 2021-09-21
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: Account information incorrect

Complaint:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX XXXX to reach a resolution. 
After a bit of back forth, my wife and I finally decided to go ahead and pay the collection with the stipulation that XXXX XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports.

Flash forward six months and the collection is still reporting! I am demanding that XXXX XXXX sticks to the agreement and requests the deletion of this collection from the three credit bureaus.

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 2023-02-23
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX has 5 % off total purchase over {$390.00} if the customer opens a store credit card online at checkout, this discount is also only available with online purchases. I opened the account and was approved for the purchase amount. When attempting to checkout the order would not process. I called XXXX XXXX and was told to call the card issuer. The card issuer is Synchrony Bank. 
After calling the bank I was told to call XXXX XXXX, because newly issued cards do not work with online checkout. 
That makes no sense because that it is clearly advertised that the card can be used immediately upon online approval. This is fake advertisement! This matter lowered my credit score for a card that I am not even able to use for its advertised purpose. The card was immediately closed and I asked for the credit pull to be reversed due to fraudulent and misleading advertisement. The agent then disconnected the call.

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 2021-09-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My letter got returned.

po box on my report is an incorrect address. My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a personal credit card with bank of America on XX/XX/2023 and the system got denied with no reference number or letter been sent to my address then I called after 3 weeks and been told sorry for not sending the letter we will send you one within 3 days and never got it, then I called after a month and a half and been told i got denied for business account issue i co signed, I asked the representative this is personal credit card and there is nothing to do with business accounts she said you can request reconsideration and she said they have to pull my credit again which is they did and Ive got denied for the same reason with no letter or reference number at all, when i asked to remove the hard inquiry she refused my request

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 2021-09-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
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: Account information incorrect

Complaint:
I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted Rash Curtis to reach a resolution.

After a bit of back forth, my wife and I finally decided to go ahead and pay the collection with the stipulation that Rash Curtis would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports.

Flash forward six months and the collection is still reporting! I am demanding that Rash Curtis sticks to the agreement and requests the deletion of this collection from the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a letter to diversified consultant ( around XX/XX/XXXX or XX/XX/XXXX ) that I never had a debt of approximately {$1000.00} from a XXXX account because I never had service with XXXX. they sent me a random phone bill with a number I never owned. they removed it off of my account for one day in XX/XX/XXXX but was added back. they refuse to delete this account! Clearly I have been a victim of fraud and they can not prove this is my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste. I want the results shown on the CFPB Portal. If XXXX is confident with their investigation of this, they can also show results in the CFPB portal. Sending the results separate outside the CFPB portal is a stalling tactic and is contradicting. As you can see in your records I have reached out to you countless times, that being said, you can not say you do not know if this is me or a third party, you have the identification you need. You have 15 days to respond, not 30 days if you try to transfer this issue outside the CFPB Portal

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 2023-04-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have accounts and addresses not belonging to me, 4 car card loans with XXXX XXXX  when I only have one loan, XXXX in which they told me this account was removed, as well as XXXX and XXXX in which I was told this was blocked. 
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 of 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