BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: LEXISNEXIS
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:
I previously on several occasions requested a description of the procedure used in investigating these accounts on my credit file but have not received them. This company is violating my rights under 15 U.S.C 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: HYUNDAI CAPITAL AMERICA
State: IL
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:
In 2020 I purchased a new car through Kia Motors Finance. XXXX weeks later it was totaled by an oncoming driver. The other parties insurance, XXXX XXXX, paid for everything with GAP that we purchased covering the rest. I just found out that Kia Finance listed this as a charge off and it is creating issues with potential new creditors. I have asked repeatedly for them to correct it with no results. I then filed a complaint with XXXX and I'm told there is nothing they can do and it still remains. I was told to just get in contact with CFPB. I need help getting this removed.

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 2022-01-20
Company: Credit Corp Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021. 
Amount is {$2400.00} I called the Debt collection company, so they asked for my information and I gave it to them so they said they don't have my information in their system that they know nothing about the debt in my record.. and she asked me to go and dispute through XXXX which I did but they reject the dispute. 
I don't receive any letter from them and no documents whatsoever from them or the company they are collecting debt for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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: Investigation took more than 30 days

Complaint:
sent police report and idtheft protection cra violation inaccurate 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 non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NY
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 violated my Federal protected consumer rights to privacy and confidentiality under [ 15 USC 1681 ]. 

Account : XXXXXXXX XXXX XXXX XXXX, XXXX - Claim account closed Account : XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX. All has violated my rights. 

[ 15 U.S.C 1681 ] section 602 A. States I have right to privacy. Accur [ 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. 
The United States Constitution in clear, 605. [ 15 U.S.C. 1681c - 1 ] 607. [ 15 U.S.C. 1681e ] 622. [ 15 U.S.C. 1681r ] 10 Plus years of consistent Payments on record with this reporting agency. 
623. [ 15 U.S.C. 1681s - 2 ] 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 conviction 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 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 2020-01-06
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
M & T XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX The negotiator is playing games on this file and forcing a cancellation that is unnecessary. The fully executed Arms Length Affidavit was sent in on XX/XX/XXXX. Yesterday she claimed that escrow didnt sign it. In fact, the negotiator did not bother to look at the last page, which escrow signed separately. Today, XX/XX/XXXX, she came up with yet another excuse to not work on the file, claiming the agents employing broker does not have the right to sign for him. 

Firstly, it is obvious the negotiator is playing games -- -- - she didnt ask for the agent to sign instead of the broker yesterday, and all of the sudden today she is cancelling the file. -- -- She is cancelling the file without giving us the opportunity to provide the requested documentation!!!!! She just arbitrarily cancelled the file so she wouldnt have to work on it. 

Secondly, she has decided to prohibit the agents employing broker to sign for them even though the broker is legally responsible for all of their agents. This is in fact a violation of CA State Law regarding the rights and responsibilities of the employing broker in a real estate transaction. 


I want the short sale re-opened and reviewed IMMEDIATELY. This should never have been cancelled.

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 2023-01-24
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: FL
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:
According to the Federal Trade Commission, if an account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began is the correct delinquency date. This account has an incorrect day of first delinquency showing. The correct date is XX/XX/XXXX. 

For example the FTC states : XXXX XXXX credit card account becomes delinquent in XX/XX/XXXX. XXXX makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in XX/XX/XXXX. 
Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when XXXX first became delinquent. The correct delinquency date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to upgrade my XXXX XXXX card with AMEX but they opened a new credit card and a new XXXX XXXX without giving me any notice. Now when I have tried to close it they have sent me back and forth to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received the first of six letters from National credit Adjusters , LLC, claiming I owe XXXX toXXXX. Ive never taken out a loan with that company and have never heard of them until I checked my credit report at the beginning of this incident ; in XXXX XXXX looked at my credit report, but I never made any contact with them. NCAs first letter said this supposed account was delinquent and all future contact and payments were to be made to NCA, again, there never was a previous loan or any contact. Each of the subsequent letters were the same : a payment structure options plan, always for the same amount, XXXX. After researching NCA and seeing the harassment tactic claims against them, I have and will not contact them since the only have a mail address. Ive filed a claim with the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.

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 2022-10-22
Company: EQUIFAX, 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:
DEPTOF EDXXXX Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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: Problem getting your free annual credit report

Complaint:
On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX XXXX XXXXXXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX years left of my XXXX XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for and received a short time later my " FREE '' annual credit report from " XXXX '' with my XXXX  score of " XXXX '' mailed to my home address of : XXXX XXXX XXXX ; XXXX, California ; XXXX ( where I have only XXXX  years left of my XXXX  XXXX XXXX XXXX home loan on ) which also matches my California driver 's license. 

On or about XXXX, I applied for IN PERSON and opened IN PERSON a " savings account '' with the bare minimum requirements of {$300.00} with XXXX XXXX XXXX  located in XXXX XXXX, California ( about XXXX miles west of my legal home residence of : XXXX XXXX XXXX ; XXXX, California ) which also matches my California driver 's license. However, yesterday ( XX/XX/2023 ), I received a letter from XXXX XXXX XXXX with the " Date of Notice : XX/XX/2023 '' stating in effect that " We regret we can not open your account today due to information received from Chex Systems , Inc., a consumer reporting agency ... And is UNABLE to provide you with specific reasons why the decision was made. '' My State of California and my United States consumer credit rights have been intentionally, maliciously and unlawfully violated by " Chex Systems , Inc. '' for failure to state the " specific reasons '' that caused XXXX XXXX XXXX to CLOSE out my account. 

I was born XXXXXXXX XXXX  as a legal citizen!!!

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 2022-01-26
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card to pay for XXXX which was refunded to me by XXXX when we got robbed, I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. I have made several calls using my US phone which cost me a lot of money with roaming and I also called using a local number. I spoke with a gentleman that told me that this will get resolved and till now they have not sent me any documents and no refunds, and all the calls I made was to let them know about the situation, I spoke with at least 7 agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I will attach every document pertinent to my dispute and as soon as I got back in the country I went to the local branch to pick up my debit card that was stolen because they never even sent me one at my house. However, the branch manager was so nice and she told me if I didn't get this result asap come to her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: IL
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:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

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 2021-12-22
Company: RentDebt Automated Collections, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Have contacted Rent XXXX XXXX several times via the mail. Starting from XX/XX/XXXX until XX/XX/XXXX. Demanding stop reporting this account that came from a identity theft of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 on Sunday at XXXX I deposited {$510.00} dollars in my account and it gave me a receipt saying to call the number to make sure the money was deposited into the account I then called the claim specialist for Chase banking they made a claim incorrectly for {$310.00} and the gave me a claim of {$3.00} dollars I then called again to fix the issue after I fixed the issue I then called back again and they said they cant give me my money back because they said it was only {$3.00} dollars in the atm

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased Bitcoin on XX/XX/XXXX. {$10000.00} was taken from my XXXX XXXX XXXX account on XX/XX/XXXX. Today is XX/XX/XXXX and I still do n't have my Bitcoin. 

Coinbase Reference Code for this transaction is XXXX The support is dead. For weeks they were copy/pasting some fragments from their help page. Then, I got a message that they are really sorry and I should wait. ( Case XXXX ) Now, they ignore my messages for 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Spoke to capital one for the 3rd time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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: Reporting company used your report improperly

Complaint:
It has been brought to my attention that Experian has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation