BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights XXXX Or list of inquiries 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 non-monetary relief
Consumer complaint received 2020-10-29
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Over the past few months I have received multiple communications from Navy Federal Credit Union ( NFCU ) about a credit card debt they claim is owed. This complaint is due to the blast ant and continued violation of the FDCPA 1692 ( a ) ( 3 ) ( 4 ). Also NFCU continues to send these letters by mail and email that does not include the information that a consumer has the right to dispute. The last email was received on XX/XX/2020. In addition the envelopes that are sent has the insignia of NFCU. As a natural person I am requesting that there be penalties for these violations per the FDCPA 1692K. Also the company has violated the District of Columbia Response Supplemental Emergency Amendment Act ( emergency act 23-286 ) for initiating these communications during the public health emergency. A compliant has been filed with the Office of the Attorney General of DC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file XXXX wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely 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 2018-03-13
Company: EQUIFAX, INC.
State: LA
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 have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 I notified TRANSUNION by certified mail of the following accounts : 1. XXXX ACCT # XXXX 2. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts 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
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : incorrect information dispute for XXXX Account XXXX Trans Union has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report 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
Consumer complaint received 2023-07-03
Company: Bridgecrest Acceptance Corporation
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My auto-lender " Bridgecrest '' illegally repossessed my car, without " any '' notice on Friday XX/XX/. I live in Massachusetts and according to State Law before an auto lender can start the repossession process they must first send written notice to a consumer. I have not received any correspondence from my auto-lender signaling any intent to repossess. When I arrived home ( Private Property ) on Friday my vehicle was not in my Parking Spot. I initially thought the vehicle was stolen. I contacted Bridgecrest and they said : " Oh yeah, by the way the vehicle has been out for repossession since the XXXX XXXX XXXX When asked why they did not notify me of the repossession they admitted to not sending the notice and said : " It is up to you to contact us about your own account '', when asked why the repo man illegally came on my private property to remove my vehicle I was told to contact the repo company. I also had paid my auto-lender one day prior to this illegal repossession and was told that my payment could not be considered in any quote to redeem the vehicle. I am dealing with XXXX and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$990.00}

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 2022-12-21
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased a car XX/XX/XXXX and noticed my signature has been forged and identity theft was committed said date the contract was established with XXXX XXXX the initial contract has been assigned to a XXXX party dealer without my consent or knowledge meaning the initial retail installment contract I signed with my true signature and the contract that has my forged signature is not the same nor did i willfully give any consent for anyone to sign said contract on my behalf i was tricked forced and coerced into this contract with XXXX XXXX for {$41000.00}. XXXX XXXX withheld pertinent information from me for example my right to rescind, falsely stating optional features are required and. I've sent XXXX letters to credit acceptance on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX via certified mail to exercise my right to rescission and taking steps of filing for identity theft XXXX XX/XX/XXXX and called their corporation on this day XX/XX/XXXX to let them know of this fraudulent account and awaiting a response. This has caused me tremendous emotional distress discomfort and damage..

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 2021-08-11
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased Bitcoin through an account I had created with Coinbase , Inc . Immediately after purchasing the Bitcoin, using their XXXX application, I was locked out of my account with no access at all to my funds. 

I have been contacting Coinbase customer support, every day, for the past 3 weeks. I have never gotten anything except an automated response that doesn't even address the problem.

I have sent just over 120 messages to Coinbase customer support now. Researching the problems I am encountering with Coinbase has shown that I am not alone. It seems like many thousands of people have had the exact same thing happen to them.

I just want my funds and I want to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : incorrect information dispute for Social security # of Amex Account XXXX I have to followup with th CFPB after Amex failed to respond to my repeated letters and phone calls. I am complaining to you to remove the following false information I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : Amex Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An account was originally deleted on my credit report from XXXX  XXXX which is being handled by portfolio recovery services a third party collection. This account has been reinserted into my credit report and I was not notified within 5 business days of the reinsertion which is required per the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). I am hereby requesting that this item is deleted from my credit report as the credit bureau and creditor are in direction violation of the law to refrain from taking legal action due to their blatant disregard for the law..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.

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 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On my dashboard thru unemployment status on money kept saying in progress was told money wouldvbe posted any day for a full month 1/2 I'd call my card said XXXX balance each time I finally logged into my account n saw money was posted from mid XXXX Up until ends of XXXX as soon as money was posted it shows it got took.out says cardtronics I filed a dispute on all transactions that came up to a total of XXXX filed a claim received a letter stating my account was on hold on frozen. Spoke with them was sent a new card and was told my cars would have a credit put on as soon as my card came in n I activate it when card came in my claims was closed and was told no further action would take place I reopened my claims and once more it was closed I asked for all relevant documentation to be sent to me and was transferred to a caseworker was on hold for 30 min and the call got hung up. Now I call n they cant further assist me or look at my claims because nothings found on their system not card number not thru social security number or claims number this is money from the state o would think it has fraud protection and bank of america is not even trying to fix or give a solution ..

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-06-12
Company: ENCORE CAPITAL GROUP INC.
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:
Despite providing specific information to the credit reporting agency as to the dispute, the credit bureau did not require the reporting company to verify that information. Rather, the allow the collection agencies to " verify '' a debt by simply looking at the account information and seeing the name on the account. When specific information is provided, the credit reporting agency has a duty to make sure that it actually " investigates '' that dispute, not just the name on the account.

In this case, I disputed the charges, not the account. However, the credit reporting agency only required Midland Credit Management to verify the name on the account. This does not meet the requirements of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
NAVY FEDERAL Bank is prohibited from loaning ( risking ) its assets under Title 12, it therefore routinely does illegal conversions of the notes ( Credit applications ) of its customers, thereby converting promises to pay into drafts, or, orders to pay, then writes said securities to its books as assets of NAVY FEDERAL Bank that, as part of its routine business practice, NAVY FEDERAL Bank did such a conversion of the note/application of XXXX XXXX, the property of XXXX : XXXX, by converting said note into a draft or order to pay and then did write that security to its books as an asset of the bank. 
This is illegal conversion was not only a failure to safeguard the property of XXXX : XXXX, under the Privacy Act, but was also theft of XXXX : XXXX property by deception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently checked my credit report and these address on there are not mine i need them removed asap. My address is XXXX XXXX XXXX XXXX Ga XXXX 

Please remove the following addresses 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX 2. XXXX XXXX XXXX XXXX Pa, XXXX 3.XXXX XXXX XXXX XXXX  XXXX XXXX NY , 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 2021-02-11
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 I use cash app to send {$1000.00} to XXXX XXXX. later On the same day I requested a refund from XXXX XXXX and was immediately refunded. Cash app said the money could take up to 5 business days to be returned. As of todays date XX/XX/21 I have not received my refund. XXXX XXXX XXXX XXXX XXXX my financial institution where the funds were withdrawn from said cash app did not properly refund the money and must resend it. I have contacted cash app and informed them of what i was told by my financial institution. As of todays date I have not received my refund

Company response to consumer: Closed with explanation