BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE NOTIFIED THE LOCAL AND FEDERAL POLICE AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: GOLD KEY CREDIT, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX GOLDKEY CRED  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLDKEY CRED  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: IN
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:
My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Equifax I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are not mines, I been a victim of the XXXX breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX  2 ) XXXX/ XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX  {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}

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 explanation
Consumer complaint received 2023-04-17
Company: U.S. BANCORP
State: PA
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:
Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )

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 2023-05-07
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Lost credit/debit card ordered A new one Navy Federal credit unio I was emailed that my card was delivered but I have yet to receive my card I tried to report to Navy Federal , but I wasn't able to. This issue is not the first time that I haven't received my mailings. At the location that requested. I have orders from XXXX XXXX and XXXX and XXXX. I have lost money. with Style We I am not able to report my claim my lost for A replacement of my items or A refund. If I'm able to get A refund for these items i can't use my Navy Ferderal credit union because I have to transfer money to other accounts which takes time I believe that something FRAUDULENT is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX/Walmart Someone used my personal information to try and get a Walmart account card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: MI
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 disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The HPD approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from Portfolio Recovery, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When covid hit in XXXX of 2020, I decided to apply for the Pandemic Forbearance Plan since my job was reducing hours. I thought this would be a great way to ensure my house stay mine while I figured out what needed to be done to get money flowing back through my bank accounts. In XXXX of 2020, I started my own company and the cash flow increased enough to where by XXXX of 2020 I contacted Mr. Cooper to figure out what needed to be done to start paying my regular monthly payment again. I was told the only option I had was to do a loan modification so I started the process. Here we are 5 months later and I am still being dragged through the hoops. They denied my first application due to incomplete packet. So I re-applied. They came back with a trial plan offer of {$4700.00} for 6 months. I denied this plan because my normal mortgage payment was {$1800.00}, there is no way I could afford {$4700.00}. So we re-applied yet again ensuring they knew that only my income was to be taken into account for this modification not my parents. At which point they came back and denied me yet a 3rd time saying I was over extended. 
It seems like this company has no intent on helping me keep my home and is only giving me the options to either pay the lump sum to reinstate or sell my home. I am bending over backwards trying to provide any information I can to keep my home and work out a deal and I am receiving no sympathy or even a sense of urgency from Mr Cooper in wanting to help me keep my home. They seem to not care at all about my well-being and honestly could careless if I lose my home. It is super sad that a company like this is completely ok with screwing people over during a global pandemic. I have done everything just trying to get back to paying my mortgage regularly and they have made that process beyond excruciating and very draining. This is not how loyal customers should be treated. I am fighting to not loose my home and I just wish they would do the same in aiding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BROCKELBANK INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company is reporting simply paid on the accounts that I paid in full. I requested the company delete the accounts off all three reports and they only deleted it from XXXX. There is one left on XXXX and all four on XXXX. This makes it look as if I settled, they need to either update paid in full or delete them as originally stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Investigation took more than 30 days

Complaint:
Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your TransUnion Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your XXXX 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 explanation
Consumer complaint received 2019-02-19
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I recieved a prepaid visa card in the amount of {$50.00} in late 2016. I tried to use it today only to find out that the company has been charging an " inactivity fee '' of {$2.00} per month. 

The balance on this {$50.00} gift card is now {$18.00} simply because I haven't used it. 

I looked into state law where I reside, Colorado, and found that such fees are unlawful. 

See : XXXX XXXX XXXX I called the company, XXXX ( a subsidiary of US Bank ) , and they informed me that their computers show that gift card balances in Colorado are able to be charged fees. 

The employee I spoke to who said this is : XXXX, ID # XXXX XXXX XXXX This is a clear violation of not only the law, but morality. The money is trivial, but the principle upon which they're pilfering from innocent people is sickening ... 

There was no apology, only circular logic read from a script as to why the fees where charged.

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 monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: National Credit Systems,Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is the company. 

I have tried to contact this company. I have never had any account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a deposit was made into my checking account in the amount of {$9600.00} and was shown to be available. I started drawing from those funds to pay various creditors, expenses, etc. At some point during the following week, someone at TCF National Bank decided to place a hold on that deposit, without any warning or advance notice to me. When I contacted the customer service department, I was told I had to contact the depositor, again, the reason was not made clear to me. 
In the meantime, my account has been in a negative balance of over {$10000.00} and consequently I am unable to use my debit card. The bank has charged me overdraft fees, and has yet to give me an adequate explanation of their decision. 
I am requesting the funds be taken off hold, and my account restored to normal. Then I will be able to close my accounts with this bank and go to another bank. Any help you can provide in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 fair credit reporting act convergent 15 USC 1681 section 602 A states I have the right to privacy.15 USC 1681 604 A section 2 It also states a reporting agency can not furnish a account without my written instructions. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Byrider Franchising, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a used car from JD Byrider and it was financed through thior finance company CNAC at 24 % interest. The car had mechanical problems from the very beginning. I took in into the JD Byrider in XXXX SC on XXXX/XXXX/21 and finally got it back on XXXX/XXXX/21. On XX/XX//21, the car stopped in the middle of a busy road and would not start. I got out and some people helped me push it to the median. It was pouring transmission and motor oil from underneath it. I could not get to work when I had no car and I tried to reason with XXXX and they hung up on me numerous times. I have a new job and have worked here less that a month and missed several hours today because I was stuck waiting on JD Byrider to come get my car with a wrecker. I also had to pay for the tow bill. I do not think I should be expected to keep making payments on a car that I can not drive to CNAC will not talk to me about it. They tell me to call the service department at my local JD Byrider. I would like someone to assist me in getting some financial relief from CNAC owned by JD Byrider. 

I recently traded my car in because the problems above were not fixed. They gave me my car back and said everything was completed. Not even a month later my car was broke down again. I called in for my payoff so I could trade the unit in and they said they would email it to me. I never received the email. I then got a preapproval for a new car and went to trade it in. At that point both the dealership and I attempted to get the pay off information. In the 6 times that I called to get the payoff I was hung up on, told that I could not receive my pay off. and that I had to trade the unit it on their lot. I was also told that it would take up to 72 hours to get my payoff. I then told them I was going to file a complaint and they hung up again. The last time I called they finally gave me the pay off. Now CNAC calls me EVERYDAY and tells me I am delinquent on my car loan that I no longer have with them and I have told them several times that I traded it in and they still continue to blow my phone up. They are now going to report my payment as passed due on my credit even though I no longer have the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: MS
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP US DEPT OF ED/XXXX XXXX, US DEPT OF ED/GSL/XXXX XXXX, US DEPT OF EDXXXX 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 2018-03-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from XXXX XXXX dated XX/XX/2018, stating that my Walmart credit card account was closed due to my credit score dropping to XXXX. This isn't my correct credit score ; I also opened this account with this type of credit score. At this time my account was in good standing. 

I contacted the company to re-open my account and they would not do it.

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 2020-11-27
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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