BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
I called XXXX XXXX today XX/XX/XXXX at XXXX at XXXX pm for XXXX minutes. I spoke with a representative and told him that XXXX XXXX is still reporting incorrectly on all 3 of my credit bureaus. He explained they are reporting real time, I explained to him that they are reporting as charge off when this was settled and paid XX/XX/XXXX. The representative told me to dispute it with all 3 credit bureaus to get resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me frustrated especially when accessing to a different form of credit I needed for me and my family. I had no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to request that your agency complete a thorough investigation of the practices of Synchrony Bank. This company has repeatedly resorted to closing out credit accounts on my credit profile as well as, reducing the credit limit on several store credit cards all which creates a negative impact on my credit profile. I currently maintain 6 credit store accounts with Synchrony Bank, on speaking with their representative over the phone to understand why this has happened, the letter they are stating was sent out to me which never arrived at my mailing address, the contents of the letter is not making sense, because if it is my credit assessment that has caused them to close an account why did they not close all accounts. I maintain all my accounts with on-time auto payments and even {$0.00} balances. 
Synchrony Bank maintains too much of a prowess in the retail industry as they are the the bank that manages most store credit cards, their monopoly-like operation and practices need to be addressed as they are affecting the credit profile of many of my colleagues, who have similar complaints. Synchrony Bank has closed account ending XXXX XXXXynchrony Home card and has lowered my credit from {$600.00} to {$100.00} on account ending XXXX XXXX XXXX XXXX XXXX All these unfair practices being done I was never properly informed, as no correspondence was ever sent out to me. 
I currently maintain credit cards for several years now with major banks such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, and I have never encountered these types of issues with these banks. So please, let me understand exactly what type of system they are using different from these major banks in their business practices and also if these practices are warranted on the consumer. 

I look forward to hearing from you on this matter, as I take great pride in maintaining a good credit profile.

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 2022-12-31
Company: EQUIFAX, 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:
REPORTING XXXX XXXX DATE OPENED : XX/XX/2018 account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been getting phone calls from Credit Management for roughly two weeks at this point. I have received nothing in writing from them to validate the debt they are speaking on and in fact I have a zero balance letter from the company they are claiming I owe money to. Today XX/XX/22 at XXXX XXXX I received a phone call from XXXX and a " XXXX XXXX XXXX asked to speak to me, XXXX XXXX XXXX I told him I am XXXX and asked what this was in regards to. He asked me to validate my address, I asked the name of the company he was calling from. He stated my address again and told me to validate my address. I let him know I am not validating my address without knowing the name of the company. He then said " We will just reach you by mail '' and hung up. 
XX/XX/22 XXXX XXXX I called the number back, got XXXX XXXX When calling I heard it was Credit Management via their recording. I notified XXXX that the previous agent was not allowed to refuse to provide identification. She asked me to confirm my address as well-but she did say the name of the company and said she could provide more information if I confirmed my address. I let her know Im aware of what this is about now, but my call is to alert her the previous agent, XXXX XXXX, REFUSED to provide the name of the company while demanding me confirm my address which he is not allowed to do and I will be filing a CFPB complaint on him for failing to identify his company while demanding personal information from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: PA
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 have filed 3 mail disputes for a collection account on my credit report the dates are XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time there has been a blatant inaccuracy reporting on my credit report. The last dispute came back XXXX updated and none of the inaccurate information was updated. The date last active being reported across each bureau is inaccurate and a direct violation of my FCRA rights intern re-aging those accounts and it is negatively affecting my credit profile.

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 2023-03-08
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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX- account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX- not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract

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 2023-10-13
Company: Comerica
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I filled a complaint with you previously this month on them sending my XXXX XXXX XXXX  for my XXXX XXXX  son to me via XXXX and the XXXX person just left card on my door step and card was stolen with all my son 's benefits on it for this month so I cancelled that card ending in XXXX and received a replacement card only to find out all my son benefits were gone so i submitted my paperwork to the company with in the 10 day time frame only to find out the sent my XXXX  to a assigned advocate that i have tried numerous times to no avail to reach about this then today XX/XX/2023 when it woud be last day to give me provisional credit they have closed my case and found against me i don't see how they can come to this conclusion when on my paperwork i clearly submitted that XXXX was taken from me then the agent tells me that i filled claim for XXXX i told them i don't know where you got that number from i put in writing XXXX so i dont understand how this is being investigated properly I feel the company rushed to judgement and never considered that they are wrong for not having someone sign for my card as it's important to customers to know that when they deduct money from us for this faster service that we will be safe knowing our benefit wont get stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase did not forward my proceeds from a sale to my linked XXXX account as agreed. 

They stated they had technical difficulties I only received automated responses. 

Attempted 8 times with no resolution Contacted XXXX they stated no transfer was ever attempted by Coinbase Many Coinbase users are now starting to complain on forums like XXXX with same exact issue on this date XX/XX/2021. Not certain if actual amount of people in could very well be in the hundreds of Coinbase users. 

Although my amount is small {$100.00} There are complaints by some claiming they have lost thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) XXXX Balance : {$83.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX/XXXXXXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was charged unnecessary late payment fees from two different credit cards with capital one for {$25.00} each, which capital one says that they already refunded. But there is no evidence within my transaction history when I log into the mobile app reflecting the fees were ever waived or refunded. They are not producing an accurate information in an accounting record in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Williams & Fudge, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know who this comany is yet they popped up on my consumer report. I have never recieved communication from this company. pursuant to FDCPA they are to get in contact with me about this alleged debt. They took it upon their selfs to violate my consumer report and just hinder my life by droping my credit score and slandering my name and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: MI
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: Other problem getting your report or credit score

Complaint:
I XXXX XXXX have tried on several times to get my Experian Credit Report unlocked so that I am able to see my credit score and obtain loans for my businesses. I want this fraud alert removed from my Experian Credit Bureau permanently. I sent two letters to Experian requesting to remove the alert from my credit profile one on XX/XX/2022. And one time on XX/XX/2022. I have called on 3 occasions. Once on XX/XX/2022, XX/XX/2022 and XX/XX/2022.

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 2022-01-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Checkr, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2023 I try to contact the company on the investigation and it is really taking too long

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Franklin Credit Management Corporation
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX a letter was received in reference to a second mortgage debt. I provided information of the bankruptcy discharge, as well as the debt was accelerated nearly two decades ago and various collection activities occurred over 15 years ago. Under the law the debt is time-barred. I disputed the debt with the company, XXXX XXXX XXXX, in which they replied that they wanted copies of acceleration letters. Those letters were provided to them in XXXX. Since that time, they have begun attempts to collect the time-barred mortgage. At no point have they responded to the dispute nor responded to the twice made request for a full chain of title, documentation of the full chain of title, all endorsements, age of debt, last payment on the account, current accounting, last actions taken on the account, calculation of limitations period, original creditor name and address and all alleged transfer dates should be provided under the dispute previsions. A request was also made for all licensing and legal authority to act on and pursue said alleged debt within the state of Ohio. To date, again, nothing was provided yet collection attempts have began. 

Attached is the letters sent- including the showing that a collection attempt was started in XXXX. XXXX & XXXX will not respond and failed to comply with any conditions of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I reported this company for many issues. Since the report with your Bureau, the company has contacted me but had no resolution, but I requested to be removed from the loan and this still has not happened. To date I was not removed from the loan. All documents for the car ( Registration, Insurance, and title are in the owner 's name ) as it is supposed to be, but I remain on the loan. 
I am submitting this complaint because I would like to be removed from the loan. There is no reason of why I should be on the loan. 
The owner of the car has tried to contact the company on many occasions in attempt to ask them to remove me and was unsuccessful. As of date the car has been in my name for six - seven months and I would like to be removed from the loan ASAP. 

I do not need the company telephoning me to get information, to help them respond to you. I need them to remove me from the car loan they can call the owner for the vehicle, and converse with him. I prefer not to receive any mail on this matter either. They should respond to your company, the owner of the vehicle, and to the credit bureaus only.

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 2022-01-20
Company: Experian Information Solutions Inc.
State: IL
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 account was used fraudulently. I sent a police report and affidavit of identity theft five ( 5 ) times to the credit bureaus and XXXX XXXX, they have yet to remove the information or notate it as " lost or stolen. '' The account is showing on Experian and XXXX as a charge off which is incorrect.

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 2023-05-23
Company: EQUIFAX, INC.
State: GA
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 repeatedly sent letters to Equifax stating specific US Codes that they were in violation of along with my personal information ( Drivers License, Proof of Address, and Social Security Card ). I have repeatedly requested proof of validity and I did not receive anything back providing validation. This company has repeatedly violated my rights as a consumer.

Company response to consumer: Closed with non-monetary relief