BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: Collection Bureau of Fort Walton Beach, 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to COLLECTION BUREAU OF FWB/XXXX XXXX, XXXX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. COLLECTION BUREAU OF FWB/XXXX  XXXX, XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/XXXX, I sent a letter to Equifax requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
COMENITY BANK/VCTRSSEC # XXXX I have filed an ID theft report over this account, please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
On XXXX XXXX, 2019, NMAC add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, 2019, XXXX XXXX, XXXX  XXXX  add a hard inquiriy on my credit report per XXXX  . No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: DISCOVER BANK
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, DISCOVER FINANCIAL SERVI add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: ERC
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions 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 am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted Experian to take it down immediately because I filed an FTC report. For one month Experian has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated.

My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how Experian got one and if they did how they validated something that isn't mine I am attaching an FTC report. Experian has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.

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 2021-05-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is trying to collect a debt that is over 7 years old. This account just popped up on my credit report and should be removed. The account was from 2014 in the amount of {$490.00}. It should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been a customer with Santander since XX/XX/2018. At which time I was not advised of the upside loan agreement and after several months I become disabled and I notified the company multiple times advising of my separation from work, consistent hospital admissions and XXXX. I offered to setup payment arrangements and I continued to have my late payments reported to the credit bureaus and was threatened to have my vehicle repossessed. I'm unable to refinance due to the high interest rate and the balance, although I made payments I was told those payments were applied to the interest and the principle balance. When I was by Covid19 I notified Santander and was advised assistance would be provided and that agreement never took place again attacking and damaging my credit score. I was notified in regards to the lawsuit against Santander and contacted Santander and I was advised that information was in accurate. The Truth and Lending Act clearly shows Santander manipulate low income families and refuse to accept responsibility. I'm in desperate need of help at this time with resolving this issue. I have contacted my Attorney General and as of now they were unable to assist. I was advised to review the website https : XXXX? XXXX In regards to updated information, and at this time I'm unable to make payments which continues to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: TN
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:
I have sent several disputes to Experian, XXXX and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but Experian, XXXX and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.Experian keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

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 2021-11-11
Company: GVA Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called on XX/XX/XXXX to ask if I could make arrangements to lower the payment amount and extend the payments out and was laughed at. The customer service representative was foreign and would not repeat his name, but said " What do you expect when you take our loan ''. He said they will continue to take payments out and it id my fault for having bad credit. This loan has a 400 plus percent interest rate. I realize I am at fault for ever having the XXXX to take it out, but to be talked to like that .... I wish these businesses were not allowed to even operate. To charge such outrageous interest and then speak to customers like that- they have full access to your account and will make zero effort to help if you are facing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
State: CA
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:
Hello, I submitted a signed letter verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Equifax and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Equifax an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hello there, I wanted to reach out please because I was charge for capital one member service fee in XXXX which I know I had reached out for an asked for a courtesy removal, the removal was never made in my account went delinquent and I had no idea, I received no phone calls or emails or any alerts! This is never happened before, I never use this account nor did I receive any alerts whatsoever. its unfair that because of the service members fee that capital one charged, my account went Deliquent which is unlike me and never even use this card! Please, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my personal and business credit cards that I had for a long time. They just gave me general explation that the number of business accounts were too high. I did not have many business accounts and I had very good payment history and relationships with the Bank of America. I need your help to address this issue.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
A XXXX XXXX credit card thats been on my report since XX/XX/2010 state limitation it should have came off I dispute it and they updated on a closed account.

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 2022-04-04
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:
Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; Account name : XXXX XXXX Bank Account # : XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # : 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

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 2022-04-04
Company: EQUIFAX, 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:
Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 5XXXX ; Account name : XXXX XXXX Bank Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX  Account # : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Sent 2 XXXX transactions from my XXXX exchange to XXXX Account. First was for XXXX and the second for XXXX. Sending the first transaction I forgot to put a memo tag on it and sent it not knowing that if theres no memo tag the funds will be sent to XXXX not directly to your XXXX account. second transaction was fine as I was able to put in my tag and recieved it without errors. I contacted support and was told that theres a 4-5 days then they will get back to me but that never happened. This transaction occured XX/XX/2021. Its already XX/XX/XXXX and not a single response or email from them have I recieved. All I want is for the funds to be put on my account.This is so much stress giving me as I am facing financial issues on my own, and XXXX has made it alot worst. I do have a Case number from them as I reported this issue to them everyday asking them for an update. They refuse to contact me or reply to all of my tickets, even contacted them via social media platforms. But an automated bot only response to the issue. case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Credit Karma, LLC
State: IN
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:
On XX/XX/XXXX, I sent a letter to XXXX requesting my score be updated, as it has not been updated since XXXX. As of today, my score has still not been updated. This is hurting my chances of obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
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: Information belongs to someone else

Complaint:
Received paperwork in mail on XX/X/2017 for an auto loan that was taken out in my name for {$7500.00} through a finance company that I had financed a vehicle through four years ago, and paid off the loan. Loan has been paid off for at least two years. This loan is for a XXXX XXXX, and was taken out last month. I can not reach the finance company ( XXXX XXXX XXXX ) and when I am trying to put a fraud alert on equifax credit reporting account, they are asking me to verify my identity. The problem with this is that they are using questions about the fraudulent auto loan to verify my identity! I have currently put fraud alerts on XXXX and XXXX, but am unable to do this with equifax. They want me to send hard copies of my id and social security cards to verify my identity, which is ironic due to the fact that it appears that my information has been stolen after a MASSIVE data breech with their company. I refuse to send hard copies to this company, but need fraud alert put on my account.

Company response to consumer: Closed with explanation