BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
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:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis nexus have incorrect information regarding accident and Ive never been in those accidents they have nothing to do with me so Im uploading a copy of my mvr to verify it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. 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 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 2022-10-20
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: Account information incorrect

Complaint:
I want file a complaint on experian and XXXX and XXXX they have on my credit as late payments on my credit report with no evidence of late payments and I was never late and they don't won't to remove negative item off my credit and showing I still have a balance on a loan that have already been paid off and they have a account from XXXX that is not mines don't belong to me with somebody else address I never lived at

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
An action was filed by United States CFPB against Regions Bank regarding overdraft protection - some accounts were charged overdraft charges when they had not signed up for overdraft protection services - the accounts had to be linked to a savings or other account that could be used to cover overdrafts. I did not have such an account, and did not sign up for that service, but was charged overdraft fees anyway- this occurred from XX/XX/XXXXto XX/XX/XXXX. in fact it only stopped when I learned of the action while online- I was never contacted regarding the action and did not choose whether or not to participate in the action. I have contacted customer service at the bank 4 separate times ; each time I was shuffled to other departments or referred back to my branch, who was unaware of the action, or was otherwise not taken care of. I was told to email the legal department, which I did twice, and I have not received any response from them. At one point I was told I could receive some of the charges, but then the customer service person refused to refund any of the charges.

I have just spoken to them again, and this time I was asked to fax the documents to the legal department. the customer service rep I spoke to said she would also file a complaint for me.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting act XXXX this account below has violated my rights according to 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. 

Please delete this account from my credit report. 

XXXX. Account Name : XXXX Account # 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 2023-08-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i sent 3 times the endorsed remittance coupon and instructions to the XXXX. and the remittance department of citibank as per federal reserved act section 29 on XX/XX/23, XX/XX/23, XX/XX/23 certified mail for them to transfer the interest- positive value of the bearer security to the principal to set-off the account and bring it to zero and they did not do the fiduciary duty they have and they close my account. 

i sent on XX/XX/23 the remittance again and an adverse action letter to the vice president for him to open back my account to transfer the positive value of the bearer security and stop denying me my right to extend credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation letters to which none have be answered. I am now on day 33 of waiting for the most recent debt validation letter from National Credit Systems. My letter was delivered to National Credit Systems XXXX XXXX and signed for by XXXX XXXX. Ive also asked that they contact me only via US mail and no phone calls but they continue to call me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good afternoon, I was a student at the XXXX XXXX of Washington DC branch and was a student there for 3 9 week quarters starting from XX/XX/XXXX ending XX/XX/XXXX. Unfortunately the school closed back in XX/XX/XXXX Im not sure why this location was closed however after doing some research Ive read there multiple branches closing due to fraudulent activity. I wanted to make sure that I wasnt a victim of it. 

I wasnt a student there for a whole year and want to the lender to provide all paperwork regarding this private loan. I dont have any information as to whether or not I received a refund check due to me withdrawing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is an account on my credit report. This account is closed, paid, please get the account removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report. It is 9 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX Is too old to be on my credit report, please get this account removed from my credit report. It is 11 years old. 

XXXX XXXX XXXX XXXX XXXX for XXXX $ from XXXX is too old to be on my credit report, please get this account removed from my credit report it is 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: ENOVA INTERNATIONAL, INC.
State: PA
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:
Creditors pulled my credit file without permissible purpose. Collections is not a valid permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2019. Equifax Credit Freeze was unlocked and I spent 2 1/2hr with 3 different women, one posing as a supervisor, trying to get my account frozen again. I played 20 questions with each of them. They all three said they could not Freeze my account even though I was logged into it, because I failed answering 1 or more questions, which they were not allowed to tell me which ones. This coming from a Credit Bureau that was hacked and caused me to have the problem I had. I was told to write a letter putting information on paper and if lost in the mail, then someone else has info. I said I would not do this. 
I went to XXXX and printed out 44 pages of Credit Report. Locked my XXXX account. 
Called Equifax back and tried again. They wanted to go thru the same thing. So I logged back in. It had some selections on the screen and one was " Put a temporary Lift on your account ''. I was told with that on the screen I did not have an unfrozen account. yet when you selected it, it would say YOU HAVE A TEMPORARY LIFT ON YOUR ACCOUNT, IF YOU SELECT THIS IT WILL VOID THE PRESENT LIFT. So to get around them wanting me to send a letter to them, I selected it to void the present LIFT and Put in a LIFT for 1 DAY. Problem solved!! Not one of them mentioned this, but at least the undetermined length of 1st Lift was rectified with a 1 day lift. 
Those people need training and a more straight forward way of doing this LIKE XXXX Web Site!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An unauthorized checking and savings account were opened under my name on XX/XX/2023. I received an e-mail to notify me of it within hours of it opening. I called my local branch to let them know and they were supposed to cancel account, but they didn't. An hour later I received another e-mail stating that funds were deposited into the account. The only way to get in touch with Citizens Bank is to call the main number which takes at least a 1/2 hour to get through to and then the customer service is very hard to understand. 

My biggest concern is that this account was opened under my name and at the time all three credit agencies had my credit Frozen. I questioned this with the main customer service and they didn't seem to know how this could happen either. I did not get the feeling that Citizens Bank cared or were concerned that I had a problem ( possibly caused by their lack of security ). 

I filed a complaint with XXXX XXXXXXXX and put a fraud alert on credit report. We will see..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX/XXXX/XXXX I received a credit report from Experian and XXXX I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information

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 2023-08-29
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
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 purchased a XXXX  XXXX I was told and viewed a work slip for repairs on the car as I took possession of it. I followed up with a mechanic at the car dealership set the appointment up with. The mechanic said he would attempt to repair the car however he said it needed extensive work. We called back to the car dealership and was told that they would only do one repair to the head gasket. I personally paid for the second head gasket in order to keep the car from not smoking constantly. Again the same mechanic attempted to fix the car I went back to the dealership to see if there was something that they could do to assist me to give me another call I was told at that time it was on me even though they had filled out a work request slip. After spending close to XXXX dollars and Reporting this to credit acceptance and the manager at the car dealership I returned the vehicle. 4 years later there has constantly been reports on my credit saying that I owe money and there's interest accumulated as if I am in possession of this car when I explained the situation I was told to file a complaint.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 inaccurat

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 2017-12-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The date of XX/XX/XXXX I requested three withdrawals from Coinbase to my XXXX XXXX bank account. 

The first withdrawal was for {$5100.00} The second withdrawal was for {$270.00} The third amount was for {$330.00} I was informed that the funds would be in my account on the XXXX. The funds were not deposited by this time. 

I contacted Coinbase Support and was given two form letters, asking me to wait an additional 5 days. Still there was no transfer to my XXXX XXXX account. 

I was finally able to contact XXXX from coinbase who informed me the wire had been sent on the XXXX and I should check with my bank. 

My bank has no record of any wire from coinbase in these amounts. 

Re-contacting Coinbase Support i requested the federal wire number that accompanies wire transfers. I have not received a response, nor my funds, as of the time of this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: SYNCHRONY FINANCIAL
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I filed a complaint with the FDIC, earlier in the month, XX/XX/XXXX, and have not received a reply. They claim, they forwarded the complaint to this office. the complaint is no. XXXX. The complaint was against XXXXXXXX XXXX XXXX XXXXXXXX, Florida.

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 2023-08-28
Company: General Motors Financial Company, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

GM financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from PROCOLLECT # XXXX in the amount of {$130.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit 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 2022-04-16
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: Account information incorrect

Complaint:
Unverified late payments reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief