BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: FL
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:
VIOLATION OF FCRA VIOLATION OF FCRA VIOLATION FCRA 15 U.S. Code 1681i Hey good day the credit bureaus has Exceeded the 30 days to do an full and thorough investigation on the inaccurate information being reported on my credit report the bureau failed to provide the full information on the investigation of the inaccurate accounts along with the contract agreements with my signature and proof that the inaccurate accounts being reported belongs to me. ( Account listed below ) : Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX Account number : XXXX THIS IS AN VIOLATION UNDER THE FCRA AND DEMAND THAT THE TWO BUREAUS REMOVED THE INACCURATE ACCOUNTS OFF OF MY ACCOUNTS IMMEDIATELY THERE VIOLATING THE LAW 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
I have filed with check systems to remove bank accounts off my report I sent them a FTC IDENTITY THEFT report, they said they will not use it, I explained to them that it works the same way as a police report I have reported to check systems that these accounts had closed due to the fraudulent activity by the banks, ( XXXX XXXX   XXXX ) I called and had this account closed due the amount that was charged I disputed because it did not belong to me at all and ( XXXX XXXX XXXX XXXX ) an amount was charged to XXXX account for XXXX dollars that I did not authorize and when I contacted this company sorry trash company it was out of business I have repeatedly ask XXXX XXXX to remove this account from my file at check systems because of XXXX XXXX credit union (, XXXX XXXX XXXX ) I had contacted this bank I can't talk to any. manager things were changed on my account by XXXX XXXX XXXX, this c company is. not very honest with customers my account was charged an amount they couldnt explain I ask them to close my account, these banks have the same illegal process the same as XXXX which I have sued twice for fraudulent charges and transactions, please investigate checksystems, I'm tired of being called liar, and that FTC identity report should work as the same as a police report they have failed to help and these people are very unprofessional, so please help I wanted to report this activity any check systems, because there are also fraudulent inquiries on my report I want removed

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 2019-03-20
Company: Nelnet, Inc.
State: CO
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:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the XXXX bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HP Sears is furnishing my medical information which is a violation. i have never given them my written consent to furnish my information. A violation of the FDCPA. 
I refuse to pay the debt and I asked them to validate the debt to no avail. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt. Again to no avail. 
I'm not sure how they were able to locate me and continuing to report this inaccurate information is in direct violation of the FDCPA.

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 2020-02-10
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed my 5 accounts. I called multiple times. The final answer was XXXX  reported my score had dropped and I had a missed payment. I called XXXX  XX/XX/XXXX at XXXX XXXX. My score was mid 700s and I had no missed payments or derogatory Marks. I called synchrony bank to relay this information and request a manual evaluation. They replied that even with a manual evaluation they can never reopen my account. I have already lost 20 points to this issue and that isn't counting what it will do to my utilization rate.

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 2018-08-10
Company: AMERICAN EXPRESS COMPANY
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On about XX/XX/2017 I had a American Express Serve pre paid credit card I used for purchasing items and Renting automobiles at certain times, I actually lost the card and I contacted customer service as soon as I lost the card, They really gave me the run around for about 3 to 4 weeks, They also were suppose to send me a new card with my funds to be transferred onto the new card, but nothing happened. Money is still on the card there was {$2000.00} on the card, I am asking for the amount that was on the card. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaints XXXX ( Equifax ) XXXX XXXX ( XXXX ) on XX/XX/XXXX for XXXX XXXX account # XXXX XXXX XXXX. The account came back verified with both complaints. How is the account verified on both complaints when the facts are directly from my credit report showing a 2 year difference for the date of last activity. XXXX is reporting XX/XX/XXXXXXXX  for date last active while Equifax is reporting XX/XX/XXXX. Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure max possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. I wanted the account deleted due to inaccurate information reporting to this account which is now causing violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor CREDIT ACCEPTANCE listed on my credit report were not reporting payments made to the account since XX/XX/XXXX appalled at this error I reached out to the major credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor CREDIT ACCEPTANCE along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX XXXX XXXX, Compliance on XX/XX/XXXX she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that CREDIT ACCEPTANCE is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/XXXX XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB observe in the documents also which is a FCRA violation of reporting incorrect information notice the amounts from all three credit bureaus are vastly different I have also attached the proof the the disputes submitted to all three credit bureaus along with the copies of the payments made to the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched phone companies. They took my access away so I couldn't even log into the account. My current phone ( main account ) was switched to another company. They kept the other line open at a rate that was not in the plan and I didn't have access to the account. So I couldn't cancel if I wanted to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In this complaint Im going to list the FCRA violations pertaining to XXXX account ending in XXXX Complaint XXXX was submitted XX/XX/XXXX which was a reinvestigation of previous complaints. Equifax disputed the account which came back verified. The confirmation number for this dispute is XXXX. During the reinvestigation Equifax did not record the status of the disputed information therefore the account should have been deleted before the end of the investigation. I confirmed this by taking the facts directly from my Equifax credit report and also I called Equifax on XX/XX/XXXX at XXXX central time and spoke to XXXX employee ID XXXX  and she stated there was no notice of dispute during the investigation. This is a violation of Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. This is straight from the FTC government website. 

I disputed the reporting of an available balance of negative XXXX. The account is closed, the available balance is XXXX. Continued reporting in the payment history after the account has been closed. How are the inaccuracies being verified when the facts are coming straight from my credit report? Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure maximum possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. Using the same procedures for reinvestigation is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I want the account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Kohls Store Credit Card ( administered by CapitalOne ) which I have been unable to use because of COVID situation and my own financial situation. Apparently, the store closed the credit card without sending any warning notifications or communications. But they have conveniently reported it to the Credit Agencies as closed account. After calling Kohls they described a policy of 24 months non usage leads to automatic closure by system and can not be reissued. Thereafter, suggesting to reapply for card. In these special circumstances which is affecting others as well apart from me, the store acted unfairly, and in a dishonest manner in closing the account without giving prior notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. TransUnion 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 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 2021-07-29
Company: EQUIFAX, INC.
State: MI
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been brought to my attention that the laws and guidelines under Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 16810 C-2 have not been followed. On several occasions I have requested proof that there was a commitment from myself to XXXX XXXX XXXX. Transunion has not complied ; transunion simply sends credit reports saying that the account was verified. Both XXXX and XXXX, have since deleted the account. To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to original creditor to ensure a proper investigation of my dispute. Transunion has not. Please follow the protocol, or delete creditor from my credit report immediately. As well as these fraudulent inquiries, that are disclosed on my Federal Trade Commission identity theft 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