BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Name -XXXX XXXX Account Number - XXXX Account Name - XXXXXXXX XXXX  Account Number XXXX XXXX  Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXXXXXX XXXX  Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2018-11-07
Company: EQUIFAX, INC.
State: OH
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:
In XX/XX/XXXX I reviewed my credit report with FICO.On there I notice an reinserted item that was previously deleted on credit report in XX/XX/XXXX.in accordance with the requirement of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days and this never happened. ( B ) Requirement relating to reinsertion of previous DELETED material. ( ii ) NOTICE TO CONSUMER.If any information that has been DELETED from the consumer 's file, the consumer reporting agency shall notify the consumer of the reinserted in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any means available to the agency. I received no Notice of this reinsertion and this is a very serious violation of FCRA. I sent Equifax a letter on XX/XX/XXXX certified on XX/XX/XXXX to inform them of this reinserted item on my credit report that was DELETED and has now been put back on my report without notification of these action within 5 business days.Credit confirmation # XXXX dated XX/XX/XXXX will show remarks that XXXX XXXX # XXXX is not reporting on credit report, confirmation # XXXX dated XX/XX/XXXX will also show remarks that XXXX XXXX s & XXXX are currently not also reporting on credit report. HERE IS A LIST OF CREDIT REPORT ALSO NOT EVEN REPORTING ON CREDIT REPORT # XXXX= XX/XX/XXXX, # XXXX =XX/XX/XXXX, # XXXX= XX/XX/XXXX, #  XXXX=XX/XX/XXXX, # XXXX= XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX. I received a letter back from Equifax on XX/XX/XXXX stating everything is accurate and verified and there has been updates never addressing the real issue THE REINSTATE WITHOUT NOTICE THAN THEY GOING TO SAY THE ACCOUNT HAS BEEN UPDATED HOW CAN YOU CHANGE AND ACCOUNT # ON AN ITEM THAT WAS # 1 REMOVED OFF CREDIT REPORT BUT UNTIL I SENT IN LETTER THE ACCOUNT NUMBER WAS THE SAME AS THE ONE REMOVED NOW IT HAS CHANGED COPIES ARE ENCLOSED WITH THE ACCT NUMBER THAT WAS REMOVED NOW ACCT # CHANGED. THEY HAVE VIOLATED THE LAW AND IT NEEDS TO BE REMOVE AND NOT PUT BACK WITH NEW ACCOUNT # LOOK AT ALL REPORT AND IT WILL CONFIRM THIS ITEM WAS NOT REPORTING UNTIL ILLEGAL REINSERTATION IN XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I transferred {$700.00} to the owner of a business XXXX XXXX XXXX and XXXX XXXX. on XX/XX/XXXX as a deposit for granite countertops. They were to be installed on XX/XX/XXXX. I still haven't received the countertops or the entirety of my money back. Through a series of communication I have managed to get back {$200.00} with daily promises to return the rest. I do not feel that it's fair that nothing can be done about this transaction fraud because this is a known individual with a legitimate business registered in the state of Florida.

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 2017-04-10
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been getting calls from an alleged old payday loan from several years ago, beyond the time to collect, if it is in fact even mine. I recently requested my credit reports and there is a firm called XXXX Bank that has run my report 9 times in the past year. Although they are an issuer of credit cards, they have never made me an offer. Research shows that they are a part of XXXX, which is a gigantic debt collector and notorious for these sorts of illegal collection tactics. It is obvious that XXXX is violating 15 USC 1681q by wrongfully obtaining my information to have their related firm keep harassing me. As such they should be prosecuted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: SC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX CT, A XXXX, North Carolina XXXX Phone : ( XXXX ) XXXX XX/XX/2023 To Whom It May Concern, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. I have no supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The amount ( s ) owed are no longer outstanding for the following items : Name of the Account : XXXXXXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX Account number as is presented : XXXX Amount : {$530.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$82.00} Name of the Account : XXXX XXXX XXXX XXXX  Account number as is presented : XXXX Amount : {$1000.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$300.00} I am disputing this claim due to whom this may concern, I am writing to dispute my recent credit report. I am not sure how my personal information ended up on the report, but I do not recognize any of the information listed. I have never done anything illegal, and I am not in any financial trouble. 

I request that you remove my personal information from the report and update it to reflect my current information. I would also like to be notified of any changes to my credit score because of this dispute. 


This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, By XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote all 3 Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, TransUnion and XXXX have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. XXXX on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system '' on my last complaint yet I have still received nothing

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 2020-04-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My wife and I recently purchased a home which is in need of some repairs so I decided to attempt to open a Lowe 's credit card. 

At the time of initial application, I was told that Synchrony Bank needed more information and that I could either call or wait for a letter. I have pretty good credit so I was a bit surprised, but in any case I waited for the letter in hopes that it would explain what information they were looking for. 

The letter arrived had no background information other than I needed to call Synchrony in order to resolve the issue. I called Synchrony, was passed to a second customer service representative who relayed that I would be getting an email in the next 10-15 minute where I would need to provide a response. She said that I need not wait on the line. That email never showed up. 

A few days later, I again called Synchrony and eventually made it to a customer service representative who asked me to confirm my address. I did, and also relayed that I had very recently moved which was the reason for the Lowe 's card. 

I inquired if this resolved the issue and the customer service representative 's only response was that she had done her part and it was up the automated system. 

I received an email letter that my application was declined because they are unable to confirm my identity. There was zero due diligence on Synchrony Bank 's behalf to resolve this issue.

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 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX Secured loan XXXX Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge card XXXX XXXX XXXX XXXX Child XXXX XXXX XXXX XXXX  XXXX Collection XXXX XXXX XXXX  XXXX Secured card XXXX Charge card has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Secured Card XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Card XXXX XXXX  XXXX Debt Buyer XXXX XXXX XXXX XXXX XXXXXXXX Secured Loan XXXX XXXXXXXX Charge XXXX has violated my rights. 

Equifax XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1500.00} Collection Medical XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Reported Balance {$1100.00} Collection XXXX  ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$10000.00} XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Reported Balance {$5300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX ( CLOSED ) xxxxxx XXXX Reported Balance {$550.00} XXXX  XXXX XXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX Reported Balance {$400.00} XXXX  Under 15 U.S.C 1681 section 602 A, I am granted the right to privacy. However, this right has been infringed upon by the inclusion of erroneous details on my credit reports. This violation not only raises questions about my privacy but also undermines the trust I place in the integrity of your reporting.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly states that a consumer reporting agency is prohibited from furnishing any account-related information without obtaining my written instructions. To the best of my knowledge, I have never provided such instructions for the inclusion of the accounts listed below on my credit reports.

The violation of my rights takes another form, as 15 U.S.C 1681c. ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including certain adverse items of information that antedate the report by more than seven years. Yet, I have noticed entries such as [ list a few examples of inaccurate and outdated information ], which contravene this protective provision.

Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) places a responsibility on those who furnish information to ensure its accuracy. It deeply concerns me that some of the information provided by the listed creditors and collectors is not only inaccurate but may also have violated this essential provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: DISCOVER BANK
State: MA
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:
Discover Bank reported I had a late payment in XX/XX/2022. 
According to my former bank, the error was on Discover bank 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NY
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2019-05-10
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase disabled my account for no reason and no explanation. 

I have placed multiple calls to their customer service line for over a month. 

Their customer service tells me that they have escalated my case to a " specialist '' and states that they will get back to me within 5-7 business days but never has for over a month. They would proceed to close the case without resolving the problem or contacting me with any explanation. Their customer service is non-existent. 

Referencing XXXX # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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 am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report. 

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975

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 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief