BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
U.S.C in Violations 1. Title 15 USC 689n ( a ) ( b ) Unlawful acts and Omissions, breach of fiduciary duty 2. Title 12 Ch.X Part 1006.34 ( a ) ( c ), c ( 2 ) ( v ), c ( 3 ) ( ii ) Validation Information Required 3. Title 18 USC 1001 a ( 1 ) Statements or entries in generally 4. Title 15 USC 1681s-2 ( a ) ( b ), ( f ) ( 2 ) ( b ) ( f ) ( 3 ) Responsibilities of Furnishers of information to consumer reporting agencies 5. Title 15 USC 1611 ( 1 ) Criminal liability for willful and knowing violation 6. Title 18 USC 242 Deprivation of rights under color of law Denied Rights to Discovery 7.Title 15 USC 1691 ( a ), ( a ) ( 3 ) Scope of Prohibition 8. Title 15 USC 1681o, ( a ), ( a ) ( 1 ) Civil Liability for negligent noncompliance Requested verification Information. 
1. They did not produce a promissory note ; there was no verification. Noncompliance 2. Did they produce a contract signed by XXXX XXXX XXXX and by XXXX  ; No verification or disclosure was provided. Noncompliance 3. Did they produce any verification of their claim ; affidavit/signed invoice was not provided willfully. 

4. When asked who the original creditor was, did they state clearly whom it was and their address ; they willfully denied full disclosure and failed to give proper verification information. Noncompliance 5. There was no Unreserved acceptance by both parties. ( I reserved my rights to rescind ) 6. Was equal consideration exchanged? No disclosure or verification was given. 


7. Have any other accounts been opened in my name at my address with or without my consent? No disclosure or verification was given. 

8. They disclosed my personal information to consumer reporting agencies. They reported under three different names : one name per agency. Reporting unverified incorrect information causing damage. 


9. Has the account been securitized? What is the Cusip-number? No disclosure or verification given. Noncompliance

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 2022-05-14
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:
After reviewing my credit report, I am not happy to see the below item is still reporting under my name, all other inaccurate accounts here are deleted already and you must removed this too right away since I have informed you that this is affecting my credit rating negatively.

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My identity was stolen. I was alerted by 2 credit monitoring places of hard inquiries on my credit report. I found 3 fraudulent credit card applications. I have reported my identity theft to FTC and am following the recovery plan FTC has given me. XXXX XXXX XXXX and Capital One are both refusing to give me any written confirmation that they are doing anything. They flat out refuse to send me anything in writing. Both companies will only verbally say they will do their own investigation and if they decide it was fraud they will cancel the application and their investigation will take 60 to 90 days and then they will still not supply any written confirmation of anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: DISCOVER BANK
State: NY
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 need clarification as to why you are reporting inaccurate information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A collection is by default late and past due. 
Delete this account due to inaccurate reporting. 

After you have finished with my request, send me a copy of my updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint CFPB about XXXX, there were two negative accounts before the complaint was initiated. One was deleted before the investigation was completed, the other was deleted after the investigation. Merchants and Professionals have put another ridiculous amount on my credit, {$26.00}. I have no idea why people would attempt to ruin your credit with such a small amount during a pandemic, It was reported on XXXX, I have no idea where this debt is from. I've never received a bill for {$26.00} in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions 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:
This is my 22nd 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 XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXXXXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}

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 non-monetary relief
Consumer complaint received 2023-05-31
Company: Carvana Group, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased the vehicle from Carvana on XX/XX/2023 and had a scheduled pickup date of XX/XX/2023 at XXXX to bring my trade in and pickup my new XXXX XXXX. 

Today at XXXX Carvana emailed me that my XXXX was at a stop in California and 75 % of the way there from the origin of Arizona XXXX Then, less than 20 minutes later at XXXX I received an email from Carvana that there's been a delay and that they have rescheduled my pickup for XX/XX/2023 at XXXX. 

This is the 3rd vehicle I've purchased from Carvana, and the 4th attempt ( what would have been the 3rd purchase I ended up cancelling due to a delay ). Every purchase from Carvana has been delayed with no explanations and is a definite pattern that has developed in luring customers in with a promised date, only to be delayed numerous times. 

It is unreasonable to expect that my vehicle could be transported 75 % of the total distance from Arizona to Oregon within 3 days, and then suddenly take over 10 days to make the final 25 % of the trip from California to Oregon. 

Despite that the vehicle is now in California, and likely be in Oregon by this weekend, they are rescheduling me for over 10 days later to pickup as they claim this is their soonest available pickup time. 

As I purchased prior to others, they are failing to make my purchase priority over others so I can come pickup once the vehicle has arrived in town. 

In addition, every advocate from Carvana I speak with refuses to forward my complaint to upper management. 

For this particular purchase, I had to pay {$1700.00} for transportation costs, and am told that despite their inability to deliver the vehicle in a timely manner as promised, that should I decide to cancel the purchase, I am still required to pay the transportation costs. 

In my researching the issue online, this appears to be not only a pattern that has developed with my purchases through Carvana, but also a trending pattern that many other customers of Carvana have been consistently experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-14
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX, Opened XXXX  checking account and was listed as a co-owner through Charter Bank. 

XX/XX/XXXX The reserve line of credit was approved on XX/XX/XXXX with borrower # 1, through US Bank. 

I did not complete an application for a reserve line of credit through US Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
IQ Data International is attempting to collect on a debt illegally. They are violating Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

As of XXXX XXXX  central time, the listed company does not have an active surety bond with the state of Texas and therefore is not legally able to collect on the alleged debt. Not only are the trying to collect illegally, the representative I spoke with requested to collect from XXXX income. I called back and requested to speak with a supervisor or manager and was connected to XXXX XXXX. I advised him that their company was not authorized to attempt to collect and requested the debt be deleted in it's entirety and removed from being illegally placed on my credit reports. XXXX XXXX said that they will continue to attempt to collect and sue me for the full balance of the alleged debt. 

This illegal information reflecting on my credit report is causing harm to my ability to be approved for credit as well as harm to my mental and emotional health. 

In addition to violating Section 392.101 of the Texas Finance Code, I never conducted any business with this company and have no knowledge of doing business with them. I have requested proof of the validity of this account and have never received it. I have also requested proof of having conducted business with IQ Data and did not receive it. I requested proof of the exact dollar amount of the debt they are claiming I owe and still did not receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Order phone and sent back for return. They sent it back 3 times and now its on my credit I dont want the phone

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 2022-05-14
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!

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 2022-11-30
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX ACCT : XXXX DATE OPENED : XX/XX/2014 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX 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 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 non-monetary relief
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Someone apparently hacked my Experian online account, so that I can not login, and when I try to access my experian account information using my social security number and birthdate as they request, the system says " we have sent your account information to xyz email address ''. Unfortunately the email address they are sending my account information to ( username reminders, password resets ) is *not* my email address, instead it is an account on some XXXX server XXXX. Experians automated phone service only allows for continued username reminders and password resets - and there is nobody to talk to about someone having improper access to my credit report via a fraudulent email / stolen Experian account. I have called every single number I can find for experian and can not reach a human to deal with this fraudulent email being associated with my credit report information on their website.

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 2022-11-30
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:
XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

XXXX5 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX  to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : 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 2020-06-11
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Their investigation did not fix an error on your report

Complaint:
incorrect high balance incorrect date last activity incorrect date reported incorrect date open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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 cling to sending plentiful sets of letters to Equifax so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
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:
In XXXX I signed an Agreement with XXXX XXXX ( see attachment ). They agreed not to report this account on my credit report. I was in communication with XXXX XXXX, XXXX XXXX XXXX. XXXX and I communicate through email. ( see attachment ). In XXXX XXXX XXXX was in breach of contract by reporting this account to the credit bureaus, which is reporting on my Equifax report and hurting my chances of getting approved for credit. I disputed this account with Equifax and XXXX XXXX, but they have yet to remove this account after providing documentations showing this account should not be on my credit report. My next step is to file a complaint with the XXXX, Georgia Attorney State General, and file litigation against Invitations Homes for breach of contract, and Equifax for refusing to remove this account after being provided documentation.

Company response to consumer: Closed with explanation