BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 explanation
Consumer complaint received 2023-09-06
Company: Velocity Portfolio Group
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2023 I asked Velocity Investments LLC to please provide me with validation notice with all original documents with my Wet signature which to date I never recieved. 
On XX/XX/2023 I asked Velocity Investments LLC to please cease and desist all calls and contact with me XXXX XXXX for I don't confirm or acknowledge this debt for which to date they continue to call, text and email my self and family members using treating language. 
Also on XX/XX/2023 the balance owed showed {$3200.00} and on XX/XX/2023 the balance showes {$4500.00}.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2020-04-23
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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit  report of these fraudulent items Experian Report Number XXXX XXXX File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-05-22
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NAR INC, has been informed there is a pending police investigation for my second police report filed with XXXX  here in XXXX XXXX XXXX Utah. However, knowing this knowledge they have received an affidavit with this information including a police report detailing my house had been broken into which my personal information and cards were compromised, I informed NAR, INC. again several times over the phone the XXXX police detective told me to file the police report after all credit cards and bank accounts involved had finished their fraud investigation to file one full police report and then submit it to the XXXX police department. NAR, INC regardless of knowing this information are now attempting to serve papers anyways for litigation for a debt that was a result of identity theft and fraud. These legal action are prohibited under the FCRA and FDCPA considering the account they are seeking attempt to collect on was involved in identity theft, scam, and fraud. The bank which they claim the debt from XXXX failed to do a proper legal Fraud investigation, they assumed I gave out my information and took no step to do a fraud investigation. I informed the police department that the bank XXXX didn't do a fraud investigation and they informed me to continue the procedures of waiting out for all credit cards and bank accounts to complete their fraud investigation still. NAR, INC is willingly in violation of my FRAUD VICTIM Bill of RIGHTS and pursing the debt anyways. I am seeking the CFPB to get involved in this matter again. I am currently waiting on the completion of three fraud from XXXX, XXXX, and XXXX investigation to be completed to file the full police report for the XXXX police department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with Debt Recovery Solutions on XX/XX/2020 about a debt that was placed on my credit report however, I was not clear on whom the debt was with or why I had never received any information concerning this debt. So when I spoke with Debt Recovery Solutions on XX/XX/20 they stated that if I paid the debt that they would send me a letter of  deletion from my credit reports and they stated that they could not tell me who the original debt was with or where the original debt came from. After completing the conversation with this company I did go ahead and make the payment however, I only received a receipt of payment but not the letter of deletion as promised or any indication of who the original debtor was. So I am asking that this information be disclosed to me as well as a letter of deletion of this debt from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AL
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:
Subject : Request for Investigation and Removal of Unauthorized Hard Inquiry from Credit Report I am writing to file a formal complaint regarding hard inquiries that were placed on my credit report without my consent or authorization. I believe that this unauthorized inquiry is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 1681c, 1681g, and 1681i. I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inquiry from my credit report.

I am well aware of the FCRA 's provisions that protect consumers from unauthorized or fraudulent activities that negatively impact their credit reports. Section 604 of the FCRA ( 15 U.S.C. 1681b ) clearly stipulates that consumer reporting agencies are required to maintain accurate and fair credit reporting, while Section 611 ( 15 U.S.C. 1681i ) provides consumers with the right to dispute any inaccuracies or unauthorized inquiries on their credit reports. 


The list below is the inquiries located on the credit report that are in violation : ** XXXX XXXXXXXX XXXX XXXX  ** XXXX ** XXXX XXXX XXXX ** Ally Finacial ** XXXX of XXXX ** XXXX ** XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fo In addition to these sections, the following provisions of the FCRA also XXXX my complaint : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires that consumer reporting agencies have reasonable procedures in place to ensure that the information they furnish to creditors is accurate.

2. Section 607 ( 15 U.S.C. 1681e ) : This section mandates that consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. The unauthorized inquiry is evidence of a failure in their procedures. 

3. Section 609 ( 15 U.S.C. 1681g ) : This section outlines the rights of consumers to obtain a copy of their credit report. I exercised this right and discovered the unauthorized hard inquiry, which has negatively impacted my credit score.

4. Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : This section entitles consumers to dispute inaccuracies in their credit reports. I dispute the unauthorized hard inquiry and request its removal from 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 explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX, XXXX XXXX XXXX Trans Union is Reporting a late payment for XX/XX/2022 for XXXX. Also theyre reporting the wrong amount that was paid. 

These Bureaus have not verified or deleted XXXX XXXX XXXX from my credit report. These are not my student loans.

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 2021-09-24
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
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: Account information incorrect

Complaint:
These accounts were opened by my ex wife. I have requested anything from all the listed creditors with my signature on them and they have not been able to provide them because they dont have any. Please help 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 2023-09-03
Company: Paypal Holdings, Inc
State: AL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Venom card service denied my dispute.. after I showed proof that I was in the hospital I have XXXX $ missing out my account and ant no way I use these money in the hospital on my death bed I have XXXX XXXX and XXXX with XXXX and they still denied my claim I submitted hospital records and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I successfully sent XXXX HEX tokens ( valued at ~ {$20000.00} ) to my virtual wallet operated by Coinbase Global , Inc. Upon receiving my funds, I was told by Coinbase that I could not access the funds. Furthermore, Coinbase would not return or refund the tokens. This is clearly fraudulent activity on behalf of Coinbase who knowingly accepts funds for which they will not provide access to, especially when there are simple means to provide returns or refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.

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 2021-02-17
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CARDINAL HAS VIOLATED THE T.C.P.A. AND THE DODD FRANK ACT FOR THE LASTIME. 

SKIP TRACING FOR XXXX XXXX AND XXXX XXXX ETC..CALLING MY MOM AND DADS CELL NO ( XXXX ) XXXX AND ( XXXX ) XXXX 3 1 TIMES AFTER CEASE COMMUNICATION LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Exeter Finance Corp.
State: IL
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:
When i accessed my credit report today, i found 11 inquiries. Two of this inquiries, which I know nothing about, made by XXXX XXXX! One on XX/XX/2022 and the other on XX/XX/2022. 
Even if i really did apply for any loans with this company-which i something i do not remember- I would never do it again after 5 days of getting refused! Who would apply for the same company who got refused by after 5 days!???? 
The second thing is that it is known that if you apply for more than one loan that serves the same purpose, a car loan for instance, in a 14-days period, the credit bureaus considers all credit inquiries one inquiry! So why there is 8 inquiries on my report! 
Moreover, one of these 8inquiries, which was made by EXETER FINANCE LLCXXXX , i know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called customer service spoke to a representative and an account manager named XXXX to have the {$15.00} late fee to be removed. The due date on my account was XX/XX/XXXX and I forgot to make the payment on or before the due date. I made the {$200.00} payment on XX/XX/XXXX. The account manager XXXX said he could not waive the {$15.00} late fee because there was already two late fees waived this year in XXXX. One in XX/XX/XXXX and XX/XX/XXXX. I told the account manager that the second late fee was waived because it was a technical error on the bank 's part when I made the payment on XX/XX/XXXX not being posted on XXXXTherefore, that second late fee waive was not from my request! I get an email notification on XX/XX/XXXX saying that my minimum payment was past due. I chatted with the online chat representative on Synchrony Bank 's website. The online chat representative told me he was going to cancel the {$70.00} payment that I made on XX/XX/XXXX due to the bank 's technical error and that is the reason the payment didn't post on the account. Therefore, he instructed me to make payment again which I did on XX/XX/XXXX and that any late fee if applied they would automatically waive it. As a result of this, the second late fee waive was not from my request personally it was due to the technical issue on the bank 's part. Why should I be penalized for the second late fee request when it was the bank 's technical error? They can't even waive a {$15.00} late fee since I technically did not request the second late fee be waived??? That's ridiculous! Is this company desperate for money? Are they practicing their business legally? I mentioned to the account manager XXXX that I will pay the remaining balance owed leaving the {$15.00} left outstanding for the life of the account until this issue is resolved to my satisfaction. This company should realize that without the customers this company would be out of business. This is totally UNBELIEVABLE!!!

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