BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Avant Holding Company, Inc.
State: GA
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:
This Person ( AVANT LLC ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NY
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:
EQUIFAX INFORMATION SERVICES, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or EQUIFAX to negatively impact my credit score. 
I demand that they be deleted. 
This constitutes as fraudulent activity due to the unauthorized use of my credit card. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, EQUIFAX to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX  data breach and may have found its way into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX- is paid but is negatively affecting my account as well as open sky credit. 

XXXX  consumer is reporting false statements and balances. it is paid off as of today XXXX XXXX XXXX XXXX loan servicing ned to report off. that account should not be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NV
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 tried to no avail to work with XXXX XXXX XXXX  I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and XXXX from other who have run into the same problem as I have with this company. 
I have been calling sending letter and getting zero assistance.

I am a service-disabled veteran whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them.

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission

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 2021-12-28
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2021 I have noticed transaction charges of XXXX on my account that I did not authorize, I have notified Chase bank and the vendor listed Chase XXXX XXXX XXXX the vendor acknowledged and notified me that they will cancel as fraudulent application. The bank declined to credit the funds back to my account. I have spoken to XXXX Claims specialist who also declined to call the source directly to clarify the transaction. Claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, 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:
My credit report has many errors from addresses I did t reside on or never lived on, names I legally dont use to unauthorized credit inquiries with my consent even though my credit file must be frozen since last year. I have placed security freeze and fraud alerts, but somehow, unverified inquiries continue to be on my profile. I have reached out but no resolution from the bureau and others. I have been ignored and my credit had suffered unfairly. Please have them review my file and fix errors from wrong addresses, wrong employers to many illegal aliases and unauthorized inquiries. 

Thank you. 

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 2023-07-21
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yesterday, XX/XX/23 I received an email stating that my account with Synchrony Bank had been closed due to delinquency on my credit report involving my mortgage, bank cards with high balances versus the limit, and revolving credit card accounts with high balances versus the limit. I called to speak to Synchrony Bank about this because the information that they have is not correct, and I have had a very good credit history with Synchrony Bank for almost 7 years now. They were not willing to allow me to provide information proving that the info they have is incorrect, and told me that there was nothing they could do to reverse closing the account for no reason. I explained to them that closing my account for no reason would be a punishment to me, because it would cause my credit to go down drastically and would also look like I stopped making my payments and they closed the account for that reason and that is not true. They were not willing to help me and basically told me they do not care. I have been reading alot of complaints online about this same issue with them. I am prepared to sue over this if they are not willing to reverse this decision. My mortgage is not in delinquency. I am on a Covid related forbearance, which was suggested by my mortgage company when I asked them if they could lower my payments due to losing my overtime at work. It was not because I could not make my payments. The one and only credit card that I had with a high balance, has been paid off and just has not been reflected on my credit. The other credits cards that I have ( 2 ) have always been paid on time just like the credit card that I have with Synchrony Bank. Closing my account was not necessary, and I want something done about it.

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 2023-09-20
Company: EQUIFAX, INC.
State: MA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2021-05-06
Company: Santander Consumer USA Holdings 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: Old information reappears or never goes away

Complaint:
I bought a car from Santander consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against Santander consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with Santander consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to Santander consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to Santander consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on credit karma they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Their investigation did not fix an error on your report

Complaint:
To Experian I submitted a dispute on or about XX/XX/2022. Loan company is XXXX XXXX, amount {$2200.00}. I requested Experian to provide documented proof, such as a signed contract loan agreement or any document with my signature agreement. 

To date Experian has not provided documented proof with XXXX XXXX. They are still showing on Experian website as a debt. 

I am requesting help from the FTC to get Experian to obtain documented proof. If not, remove XXXX XXXX debt of {$2200.00}.

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 2018-08-30
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Looked at my credit report today XXXX-2018 noticed a collection from I C System appeared, it states a debt from XXXX XXXX XXXX XXXX XXXX XXXX I spoke to someone previously about a week in a half ago because the letter was dated XXXX-2018 and it was delivered upon the time I called a week in a half ago, I told the rep the problem that apparently the company is sending mail to the address where the account was created and the mail was forwarded to the address I currently live, I stated I have no knowledge of the situation the representative stated the company would look into the situation further and put it in dispute status and validation would be sent, it was never stated upon the company after the conversation that within a week look for it to appear on your credit reports I called today spoke to Employee # XXXX name XXXX XXXX not sure if this is accurate but this is what he stated his name was and absolutely no help he pretty much was blunt about me paying and no validation was needed, not sure if this is the practice but it was absolutely not right to feel this way for something I have no knowledge about. All I ask the company is to remove the information from all my credit reports until the investigation is done.

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 2023-10-26
Company: EQUIFAX, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2023-09-20
Company: EQUIFAX, INC.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
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 that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: Receivables Management Associates
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I rented XXXX XXXX XXXX XXXX it was a XXXX bed XXXX .I notice the XXXX had mildew .So I ask XXXX to fix it .They refuse I ask them to fix it or let me out of my lease XXXXThey let me out of my lease I was in the XXXX no more than 90 day .XXXX  and myself did a move out inspection they took pictures and I took pictures .I went to collect my deposit .they said that I left damages .I took them to court but the judge told me I can't sue XXXX I would have to find the owner of the apts .I call XXXX they gave me the run around not giving me no information .this was in XXXX XX/XX/XXXX XXXX. I received a letter from a collection agency saying they are collecting XXXX .I have proof which are pictures so this would be a fraudulent case attempting to collect from me Knowing they don't have proof of damage .XXXX never took me to court they went straight to collection. I spoke to collection and it's XXXX word against mines

Company response to consumer: Closed with explanation