BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$830.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$73.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$2900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$440.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: IN
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
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

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 2021-04-15
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I am writing to file a complaint against Binance.XXXX Their official name and address are as follows : BAM Trading Services Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. 

Recently, Binance.XXXX has stopped allowing " withdrawals due to risk management. '' This has prevented customers from withdrawing assets to either sell them for cash or to transfer those assets to a more reliable exchange. 

The only ways to contact Binance.XXXX is via social media and by online ticketing system. They have no phone number to speak to a live person. Responses by the Company have been non-existent. 

If you look at their XXXX page, you will see that customers have been waiting for weeks and months to withdraw their funds. Some people depend on these funds ; hence why they invest in the first place. 

Binance.XXXX has not even sent out a blanket statement on what customers should do if they have this message. Everything is at the mercy of customer support and they are not reachable. 

I ask that you contact BinanceXXXX to have them allow customers to have total access to their assets without any further delay. Some customers have major payments they have to make and their funds are locked within the BinanceXXXX system without a care or explanation from the Company. 

Any quick assistance would be welcomed in this matter. Many of us who have been waited are worried as to what may happen with our assets. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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:
I HAVE SEVERAL FRADULENT ACCOUNTS ON MY EXPERIAN CONSUMER REPORT. I NEED TO HAVE THIS FRADULENT INFORMATION REMOVED FROM MY CONSUMER REPORT. ATTACHED ARE THE FTC IDENTITY THEFT REPORTS. 

XXXX XXXX OPENED XX/XX/XXXX {$91.00} XXXX XXXX OPENED XX/XX/XXXX {$280.00} XXXX XXXX OPENED XX/XX/XXXX {$470.00} XXXX XXXX OPENED XX/XX/XXXX {$1200.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1600.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX {$5300.00}

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 2023-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some inaccurate information that is currently being reported on my credit report. Upon reviewing my credit report, I have identified several negative items that require immediate attention. 

Firstly, there is an account under the name of XXXXXXXX XXXX XXXX with account number XXXX. However, I do not have any record or knowledge of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report as soon as possible. 

Secondly, there is an account under the name of XXXX with account number XXXX. I find this account 's name and number questionable, and I urge you to either clarify this information or delete this account from my credit report immediately. 

Thirdly, there is an account under the name of XXXXXXXX XXXX XXXX XXXXXXXX with account number XXXX. While other bureaus have not been able to verify this account, I am surprised that it is still present on my credit report. Therefore, I request that you delete this inaccurate account immediately from my credit report. 

Fourthly, there is an account under the name of XXXX XXXX with account number XXXX. Similar to the XXXX and XXXX accounts XXXX I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report. 

Lastly, there is an account under the name of XXXX with account number XXXX. As with the other accounts, I find the name and number of this account questionable. Therefore, I request that you either clarify this information or delete this account from my credit report immediately. 

I request that you investigate these accounts and take the necessary actions to correct any inaccuracies in my credit report. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX and TransUnion is showing XXXXXXXX XXXX XXXX  which is not mine due to someone stilling my Identity I have tried contacting them. Also with XXXXXXXX XXXX not my account either. XXXX has been on my credit report for 11 years, it should be removed by now.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent Transunion and XXXX a copy of the report showing XXXX deleted the account and TransUnion and XXXX says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.

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 2020-04-08
Company: Trident Asset Management, L.L.C.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was removed, then sent to Trident Asset Management, XXXX, GA which called three times a day and called me at work repeatedly after I ask them not to. I do not owe this debt, never had a Visa with the XXXX XXXX XXXX I want this stopped. It gets removed from my report then transferred and back again, causing my score to drastically decrease. I have no account number to give. Please HELP! Amount is a small {$410.00}, I have many credit cards, car loans, mortgage all are paid on time. Why would I not pay such a small bill if it was mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went to purchase a car at XXXX XXXX XXXX Texas under my companys name. I asked them specifically if XXXX XXXX was going to report the lease to my personal credit report they told me NO. The Financial Manager stated he call Mazda Financial Services and they confirm that with me as a Personal Guarantor.it would not show on my credit. I Lease this car in my business name and with me as the personal Guarantor. I got to the finance office and the Finance ManageXXXX XXXX tried to get over on me. I told him that I didnt want certain products and when I went to sign the paperwork everything I said I didnt want was in the paperwork. If I didnt catch that he wouldve added things in leases that I didnt even want. Now he has to reprint all the paperwork and Im in the office for two hours. It took XXXX a month to submit the final paperwork to the bank and my temporary plates exited because he took so long. I got pulled over by the cops for expire tags on my car because of XXXX negligence. On top of that he was asking me questions about signing business paperwork and stated he didnt know too much about it because he doesnt do business deals often. First of all you are a Financial Manager, why are you asking the client for help and knowledge about sign paperwork? Now this lease is showing on my credit report and XXXX cant close on my house because I was specifically told this car will not be reported to my personal credit report. This account shouldnt be reported to my personal report based off the information i was given. XXXX XXXX should not be reporting this car on my personal credit. On my personal credit report it shows as individual. This should not be on my credit report because this car is in my business name. Dealing with XXXX XXXX and The dealership has to be the worse experience I have ever had. They are definitely fraud. I will stick with luxury banks and dealerships only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XX/XX/2022 and XX/XX/2022 I sent separate disputes to Transunion regarding two accounts reporting on my credit report that were from the result of identity theft/fraud. My initial dispute was an identity theft affidavit, followed by a letter in XX/XX/2022. Upon checking my credit report, both items still remain and nor does either item has been marked for disputed. i haven't received any copies of my credit in the mail from Transunion or any type of correspondence pertaining to either XXXX of my disputes. Therefore, Transunion must remove or delete the disputed items XXXX XXXX # XXXX and XXXX # XXXX from my credit report immediately. It now has been over 60 days, and which makes Transunion in violation of the Fair Credit Reporting Act 1681 ( c ). Transunion must and should adhere to the Fair Credit Reporting Act or face Civil liability.

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 2018-03-07
Company: DISCOVER BANK
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 status incorrect

Complaint:
I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, Discover reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted Discover to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the XXXX late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: GA
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Bronstein and Weiss has been calling has been harassing me on an old payday loan, threatened me saying Im being sued for fraud and calling friends and family memebers telling them I have a criminal complaint against me and that I will be served papers, alarming my friends and family. Trying to embarrass and shame me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EQUIFAX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX  XXXX- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
CareCredit by Synchrony BankXXXX XXXX XXXX XXXX  XXXX. 

Refusing to refund charges for paid in full XXXX, still sending us bills and threatening to report me to credit bureaus if I don't continue to make payments for services never received and will not receive. XXXX XXXX overcharged, over-billed, failed to bill insurance, cancelled appointments regularly, then refused to treat all patients at their XXXX  part of the " practice ''. Multiple patients have complained and nothing is being done. Office lies about everything and doesn't bill insurance properly, so insured consumer is left with paying for the same treatment twice. Even charged for a " complimentary '' XXXX XXXX essential kit! I would have returned that asap, but I was told it was free and my child used it before I noticed I was charged for it. The whole front office is dishonest and scams its patients. This is why they can't keep honest employees. XXXX  and XXXX  are great, however they always quit once they realize what is going on. I don't know how or why the state has renewed the business license this year. I will also file a complaint w/XXXX XXXX XXXX. Patients are stuck with XXXX  on their XXXX  and without treatment causing further damage to their XXXX  and XXXX  while continuing to bill us and refusing to refund pre-payments already made. My son is stuck with XXXX  on, XXXX  growing visibly skewed. This may affect him for the rest of his life without XXXX. 

I have been an excellent customer for decades with CareCredit and Synchrony Bank and pay my debts in full and on time. I have clearly been abused in this case. When I call, I'm transferred to dead extensions for " help ''. Emails back from the company state they will not reimburse the fraudulent charges. They have refunded me a mere {$220.00}. but expect me to pay for continued treatment of {$1000.00} XXXX they ended treatment XX/XX/21 and refused to give me a referral to a takeover XXXX  ), treatment extension of {$750.00} ( six months beyond the normal 30 months and we've only had a few actual sporadic months of " treatment '' ), retainers {$300.00} and final records {$70.00}. I was told I would receive a big refund by XXXX  staff of a few XXXX at the last appt on XX/XX/21. What a lie. 
However, I am still receiving bills for {$1100.00} in charges, already paid {$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 monetary relief