BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
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:
After sending multiple OFFICE OF THE ATTY GEN - XXXX disputes XXXX ( Report # XXXX ), XXXX ( Report # XXXX ), and XXXX ( Report # XXXX ). Experian Remove and or Suppress you have not done a proper investigation and reinvestigation because you marked OFFICE OF THE ATTY GEN CERTIFIED AS ACCURATE which is impossible XXXX deleted XXXX and XXXX deleted XXXX. Why is it that XXXX and XXXX both removed this account for unverifiable information and inaccuracies but you continue marking CERTIFIED AS ACCURATE without completing an independent investigation. 

Experian please, Remove because you marked this account 180 Days late XX/XX/2022 without first being 30 days late, 60 days late, 90 days late, 120 days late, or 150 days late. 
You have had multiple times to correct or fix the issue. Remove within the next 15 days. 
Please, mail a full copy of the Dispute Results when complete! 
XXXX XXXX XXXX XXXX XXXX XXXX, TX. 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 2023-01-16
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
This is a report about a XXXX XXXX that I was approved for on XX/XX/2022. To date ( XX/XX/2022 ) I haven't even received the card yet but I got an email what looks like a message from XXXX, " Thanking me for my XXXX purchase with this credit card '' and it hasn't even been used yet. It wanted me to click a link to make sure I received my rewards.whic I DIDN'T do. 
None of your pre-screening data had this as a choice but after speaking to an XXXX agent he said I needed to report/forward the message to XXXX and your site. I quit using credit cards over 25 years ago but needed one to help drop the price of my truck insurance where they use credit scores to adjust your rates now. That makes no since to me but I want get into that here. 
I get alerts all the time about how someone stole a bunch of personal contact info and they want me to change my password. Millions of peoples persons had there information stole from a company and they want me to change my password? Sounds like a little work on their end needs work. It's never bothered me because nothing I have is worth stealing until now, when I have a credit card..

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 2023-09-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX. As a direct result of this my persona credit has been severely damaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: VA
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:
Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. XXXX sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello, I pulled my consumer report on XX/XX/2023 and noticed a 30 day late payments and Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove XXXX will sanction legal action for remedy. 

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA I ask that all accounts listed be removed IMMEDIATELY due to an injustice, I am also aware that this has to be done in a timely matter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-16
Company: Incomm Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I am writing to file a formal complaint against Vanilla Visa and Incomm, outlining multiple instances where I believe consumer protection regulations have been violated, leading to a distressing and unsatisfactory experience. 

1. Dispute Cases : XXXX and XXXX On XX/XX/XXXX and XX/XX/XXXX, I initiated dispute cases with Vanilla Visa, addressing unauthorized charges on my account. Despite providing necessary documentation promptly and signing required forms, the handling of these disputes has been marred by a lack of transparency, unreasonable delays, and unprofessional behavior from Vanilla Visa representatives.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to promptly investigate and resolve reported errors or unauthorized transactions. 
2. Address Update Issues : On XX/XX/XXXX, I contacted XXXX to update my address from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  FL XXXX, to XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX. Despite providing valid proof of the updated address, there appears to be confusion on the part of Vanilla Visa, as indicated in their email on XX/XX/XXXX.

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to update account information promptly and accurately. 
3. Refund Status and Documentation Requests : On XX/XX/XXXX, I was informed that a check was sent out on XX/XX/2023. However, as of XX/XX/XXXX, I have not received the refund, and there have been repeated requests for additional documentation. 

Regulations Violated : Regulation E ( 12 CFR 1005 ) : Electronic Fund Transfers Failure to provide timely refunds for unauthorized transactions.

4. Unsatisfactory Customer Service : I have encountered unprofessional behavior from Vanilla Visa representatives, including being hung up on, given an attitude, and conflicting information about the status of my cases.

Regulations Violated : Unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

This entire experience has left me deeply dissatisfied, and I firmly believe that the outlined actions are in violation of established consumer protection regulations. Enclosed with this letter, please find the relevant supporting documentation.

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate a fair and timely resolution to these matters. Your assistance is crucial in ensuring that consumer rights are protected. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: DriveTime
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Earlier this year before Covid I had an issue with my XXXX XXXX XXXX  which required me to take it into the shop to have some warranty work completed on it. It was covered after going through some hoops which I get it warranty work no one gets paid for it directly. My issue upon this situation was that the part that had to be ordered came from DriveTime and/or XXXX home office located in AZ. I was told it was remanufactured or like new. Wasn't able to see and verify parts after replacement because they had to be sent back to AZ. Under my warranty contract with them and XXXX XXXX it does state thats in line with the parts they can replace on any vehicle per the agreement. My issue was I was out of vehicle for almost a week because of the time it took for parts to come in and upon asking for a loaner vehicle said the billable hours didn't meet their requirement of reimbursement and I could get loaner any try to get it back but no a promise for reimbursement. Asked on several occasions that I wanted proof of what parts had been replaced and was told by all of them that it is something they have to prove to me per the contract. Fast Forward my needs have changed and am currently looking at getting out of this vehicle and getting into something that better reflects what I need at this time. No dealership will take the trade because of the high interest rate and more money down needed to make the deal happen. I get that but Drivetime/XXXX won't take the trade in as well at all regardless of money I need to put down. I was told they don't take their cars back on trade and/or refinance current loans even if they still make more money on new one. I am tired of the pure bad business practices these companies are allowed to get away with. My previous vehicle I had gotten from them had to be bought back from me after many battles that I eventually proved was a flood damaged vehicle. They couldn't give me the money I had paid into that vehicle being a XXXX XXXX XXXX because I had paid for time I used it and was only given my original down payment. These companies being able to do all of this and the consumer just out of luck? I had also asked what had come of the vehicle bought back from me did they sell it to another sucker. I have filed complaints after complaints but they are still in business doing same shady used car sales. There was now ay my 1st car should have been sold to me let alone past State Inspection. I am filing a class action lawsuit against DriveTIme and/or XXXX for unfair Business Sale tactics and Fraud any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MO
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-21
Company: EQUIFAX, INC.
State: TX
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. 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 explanation
Consumer complaint received 2021-09-03
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: Account information incorrect

Complaint:
after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXXXXXX XXXXXXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.

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