BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. - 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2018-03-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  with account number XXXX  is reporting my account on Experian as Foreclosure proceedings started as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

But then they also list the account as 180 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.

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 2022-10-24
Company: EQUIFAX, 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:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX AV XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 2019-11-20
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chexsystems, Has responded 2 different times and every time they do not address my complaint. 
I am hoping this time they will addressed the specific complaint and only complaint is that check systems breaks the law and that law is FCRA section 605B. 
That law specifically talks about the CRA which is what chexsystems is. 
Once I provide 4 items to chexsystems or any CRA, they must block within 4 business days no later than 4 business days the items that I identify as fraudulent and not mine and a result of identity theft. 
Chexsystems adds things to the 4 the law names very clearly. The law states verbatim : 1. Adequate proof of my identity 2. A copy of the identity theft report 3. That the consumer identifies the fraudulent items in the file 4. A statement that the consumer did not cause the fraudulent accounts or items to be opened. 
That is it that is what the law requires nothing more and nothing less. 
Chexsystems takes it upon themselves over the past several years, To add such things like the identity theft report is too old. Or that the identity theft report must contain the fraudulent accounts in it. Or that the identity theft report must be signed by a law officer. 
Congress does not have any of these things as a requirement and so check systems breaks the law by requiring them because they do not fulfill the law until after their requirements are met. 
There are no reasons or excuses chex systems can add that gives them any valid or legal reason to break the law of not blocking with them 4 business days. 
Stop this from happening.

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 2023-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I had a direct deposit made into my account from an investment account. My intention was to use those funds to purchase a vehicle that we had ordered from the manufacturer and were under contract with the dealership for. In the same manner we had used previously for a different vehicle purchase we had the money transferred into our account with USAA FSB with the intention of ordering a cashiers check to complete our purchase. When I called to initiate the cashiers check I was told that they were unable to complete my request. I was told that it was their " policy '' that my account did not qualify for a cashiers check, when asked why as we had banked with them for more than 14 years. I was told that in XXXX I had XXXX NSF due to an automatic payment I had forgot about and had already made that payment to the company. I asked where I could review this policy as to the reason 's they can restrict my access to a cashiers check and they have been unable and unwilling to provide that documentation. USAA does not have local branches so we are unable to go into a location and discuss in person. We are now in potential violation of the contract we signed with the dealership because they did not previously disclose restrictions on cashiers check requests. XXXX more, in the phone conversation that took place on XX/XX/2023 the banking representative told me that they probably shouldn't have told me the reason they couldn't give me access to my money, and because she did she would probably get in trouble for it. I am concerned that they are keeping secrets from me regarding my own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
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:
XXXX XXXX XXXX XXXX XXXXXXXX showing a late payment XX/XX/XXXX, XX/XX/XXXX reporting to the CRA ( Experian XXXXXXXX XXXX XXXXXXXX ) as late. I was never late on this account direct violation of the FCRA title 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) I have the right to privacy and I am demanding that this late payment is removed 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 explanation
Consumer complaint received 2019-02-08
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've made numerous attempts to get a billing statement and welcome packet. 

When I got the loan I was told there would be a way to see my billing statements online, there is not. I can make payments online through an online portal, but there is no way to view " my current balance '' Portal link : XXXX However, this online portal does not appear to be a secured system for logging too. ( A person only needs your email, zip, and account number- NO PASSWORD? ) Im extremely frustrated with this company, as today when I called ( like every other day I've called ) they validated my address and have make no indication that the address in their system wrong until today. Something I ask on numerous other calls and requests. 

I'm concerned this company 's methods are NOT in line with federal and/or state requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is called XXXX I look it up it has part of the XXXX XXXX XXXX which I have have taken of my credit report. Because they call day or night with different number. Which is collection is off PayPal credit which just online I get spam email from PayPal stuff that not real all the time. Which any way I had it removed off XXXX XXXX because of fraud I would be happy if take it off the other two credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have reported fraudulent activity to XXXX  through my credit card company, which is Capital One and I am still seeing fraudulent activity on my credit card statement. I filled a police report with XXXX XXXX Police Department and I have not been given the opportunity to provide a police report and an FTC report. I have spent the last two months trying to resolve this problem, and according to Capital One, no fraud was found on their end, which is incorrect, since I told them already my card was stolen along with my phone. I have called XXXX already and they keep on sending me to Capital One to fix the problem. 

Capital One approves people for a credit card, and they claim there is zero liability on fraudulent charges, but my card gets stolen and they just keep on transferring me from department to department, and they do not resolve anything. Capital One asked me to call XXXX to provide the police report to them so they stop charging my account, and they do not want to even speak about the subject. The thief created a fake account, with a fake email, fake phone number, and used my actual physical address to make these purchases and stole them from the front porch. 

The fake name used is XXXX XXXX, the fake email is XXXX and the fake phone number is XXXX. 

XXXX has been extremely negligent to not require a signature for packages delivered and not only that, but it is quite opportunistic from their end to keep on charging my account, when Capital One already reported the situation as fraud. 
Capital one is allowing these transactions to go through without giving me the opportunity to provide a police report and my FTC report. 
I will NOT pay for fraudulent purchases. 

XXXX needs to give me the opportunity to submit adequate documents, such as a criminal report and refund my account immediately. 

By law, as an identity theft victim, I have the right to have all fraudulent activity blocked upon submitting the appropriate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received my credit report and found an account from Discover Bank. I have never had any accounts with Discover Card / Bank. I am a victim of ongoing identity theft and this account is a result of that theft. This account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CNG FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I sent a receipt to the to the creditor showing that I paid the loan off but I was told on XX/XX/21 that the account number doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion this is your final notice to DELETE those charge offs XXXX XXXX XXXX  and XXXX XXXX XXXX  of my consumer reports!! You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall NOT furnish You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH

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 2023-01-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX account has been charged off and should be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX cancelled policy and I had contacted them that I would have their money the next week. I also explained that it was due to job loss. They proceeded to cancel policy and did not inform me that they were opening a new one. I wasn't able to drive because I didn't have insurance and I had to open another policy to use my cars.

This is a fraudulent charge and I tried to speak to them about it, but they did not get back to me ever.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX/Capital One Account # XXXX Collections Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor : Capital One Bank USA NA 1. ) XXXX XXXX has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later. 

2. ) XXXX XXXX made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to XX/XX/XXXX by Capital One at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of XX/XX/XXXX purchase. '' I have personally confirmed with Capital One, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim. 

In fact, Capital One has clear records which state my Capital One account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a Capital One XXXX XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to XXXX XXXX false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices. 

The Capital One Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect XXXX records either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To whom it may concern, I sent in my disputes to XXXX, Equifax and XXXX to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days.

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, XXXX and Equifax, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

. 
This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: I.C. System, Inc.
State: GA
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 have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all  communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days. 

This company has 2 different collections on my 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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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