BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On yesterday I spoke with Experian employee over the phone over an open dispute as well as disputes I have filed in the past about an account Im asking to be removed from my report. I have continued to demand the account from Attorney General Child Support be removed on MANY violations Experian has violated with the FCRA. The representative told me he saw the disputes, but they will continue to stay on there and not to worry about it because I dont have a past due balance at the time. THEY ARE KNOWINGLY AND WILLINGLY keeping this on my credit report. However, the account is hindering me from buying a home. I am now asking that Experian be notified they are in violation of the FCRA violation privacy right 15 US Code Q1681 ( a ) ( 4 ) and remove this from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX 2017 {$1.00} Wrong information XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Adjustors XXXX I have been contacted in XXXX by the company saying I owe the above amount. I requested debt verification information and was told I would receive it within 90 days. I never received it so when they contacted me again in XX/XX/XXXX I again requested the info and was told would receive within 90 days. After the 90 days i asked the debt be removed but was told i would receive the verification in 30 days. I asked if it could be removed from my credit report and was sent another payment email instead of a response. I feel I have wasted enough time requesting the verification info and waited long enough with the negative debt on my credit. I would like the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I owe money to the State of New Jersey which I agreed to pay. I am in a payment plan of {$200.00} per month. Refund money was applied from federal and state money. Debt originally was {$15000.00} and now is approx {$6500.00}. I lost my job in XX/XX/2019 and informed them about this. XXXX XXXX is my contact person at Pioneer. I have been paying from Unemployment benefits and she keeps calling me when I am a month  behind. I told her that I am actively looking for work. I asked her also to reduce the payment amount and she declined to do it. Today, i received two letters threatening to sue 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 2019-09-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase.com have restricted my account to send crypto but i can recieve the crypto to my coinbase wallet normally So i tried to withdraw my amount but I'm unable to withdraw as it's not allowing me to send my crypto to my any external wallet. 
Coinbase is completely a scam it catches your crypto and never release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a loan process with Royal United Mortgage LLC and did not move forward with them, because they were charging way too much for the rate. 3.75 % for a rate of 5.25 % fixed. 

Does Royal United Mortgage has to reimburse me for the appraisal fee? They charged me {$470.00}. I have attached the closing statement. I did not move forward. 

After discussing with the loan officer on several occasion, that I would not be moving forward with Royal United, I was harassed. She basically told me, that I would not get any better deals inquiring anywhere else and that no other company would do anything better than theirs. She also said my credit was so bad and if I went with another lender, it would make my credit worse. Which I found out was not a true statement. I felt like she was scaring me into not, seeing my options. 

She kept calling and emailing over and over again, to the point she contacted my job to get a hold of me. It was very stressful, it really put a lot of stress on this life decision I had to make. 

It was a horrible experience. I understand they did the appraisal, which I did not use. I would like to be reimbursed.

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 2023-02-02
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: Personal information incorrect

Complaint:
I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all XXXX  reports. The only name and address that needs to be ( see below ) on all XXXX  reports should be. 

As of the date of this complaint, this has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Toyota financial services did not conduct a legal contract. The sum of all charges were not disclosed in the credit application on the finance behalf. Also the finance team approve me illegally without my permission conducting fraudulent information to bank for approval. This wasn't a consumer credit transaction 15 usc code 1605. There I'm taking legal action in retaining my down payment of {$7000.00} dollars and a additional {$1000.00} for every illegal transaction that was committed on this credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I get XXXX direct deposited onto my direct Express card through Comerica Bank last week I had my card stolen and I got my new card and it said on XX/XX/2019 all my money will be available but they never transfer my money and I've been trying to call them since for a week now and no one is answering or transfer my money and it's messing up my life because my bills are not paid and I'm late on my rent and I might be evicted and I think that they should waive the fee of XXXX that I had the card expedited to me and you know this is like really upsetting where are these people with this Comerica Bank on the paperwork it says they're open 24 hours a day 7 days a week but they're not even answering the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Google Compare Credit Cards Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a Google Gift card for {$200.00} on XX/XX/2019 from XXXX in XXXX, IN. I inputted code into app and it stated it needed further information. Copy of card, receipt, Utility Bill, Cell phone bill, credit card. That information was submitted against my will, due to that's what they required. A complete invasion into my personal info for a gift card. They have not responded. Yet hold on to my money without any result. Calls to Google, they remain unable to talk about it. This has been happening to hundreds of consumers according to multiple websites, and they fail to resolve an issue they created. I want my {$200.00} in addition to interest.

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 2019-06-05
Company: ORG GC GP Buyer, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX has sent me to collections for a debt I do not owe. I have spoken to XXXX 5 times in the last few months and GC Collections once, informing them this debt is not mine. I received no goods or services from the original creditor, XXXX. XXXX will not state why they are charging what they say I owe.in addition to this false claim, XXXX proceeded to send my account to GC Collections. Once again, XXXX won't tell me what I owe, nor did I receive anything from them- goods, services or otherwise! I will not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: SYNCHRONY FINANCIAL
State: LA
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:
Synchrony Bank Customer Service XXXX XXXX XXXX XXXX, FL XXXX www.mysynchrony.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX RE : XXXX  Consumer Financing Account Ending in XXXX Creditor : Synchrony Bank Dear XXXX XXXX XXXX Thank you for your patience while we researched your dispute in regard to your XXXX Consumer Financing charge account. We have considered your rights under the terms of the Fair Credit Billing Act. Your claim was acknowledged and presented to XXXX XXXX XXXX. A copy of their response is enclosed. 
The nature of your dispute concerns a service quality issue. We sincerely regret you are not satisfied with the quality of the merchandise. While we empathize with your situation, as the creditor of your XXXX XXXX XXXX account, Synchrony Bank can not judge the quality of merchandise received. We encourage you to work directly with your merchant to reach a resolution to your concerns. 
On the basis of information available from both parties, we have released the remaining disputed amount in the merchants favor. At this time, we consider the dispute closed. The previously disputed amount, still unpaid, will be included on your next statement and due with your next payment. Please refer to the minimum payment amount and due date on your next statement. 
In accordance with Federal Regulations, we are providing you the address of each credit bureau agency that reports this account on your credit bureau report. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX If we may be of additional assistance, please contact customer service at ( XXXX ) XXXX. If you have information or documentation to support your billing inquiry not previously provided to us, please contact a billing inquiry specialist at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX. XXXX XXXX, Monday through Friday. 
Sincerely, Specialist, Billing Inquiries for Synchrony Bank Enclosure XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Bread Financial Holdings, Inc.
State: MA
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 this creditor has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: MI
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:
After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. There are inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of 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 2021-07-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
I have sent over several Identity theft affidavit. 
Since 2016. I mail out letters to XXXX and Equifax credit bureaus they only sent me back investigation letter stating Verified. The accounts is XXXX credit line, XXXX installment account, and XXXX installment on my personal incident report. Company 's XXXX and Equifax still have those fraud accounts pending on my report. I also sent in a letter explaining my right as a consumer under Title 15 USC 168.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Johnson Mark LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served a lawsuit from XXXX XXXX XXXX with the representing law firm Johnson Mark LLC. I responded to the lawsuit on XX/XX/XXXX requesting verification/ validation of debt and informed them that this debt was in dispute. Per the FDCPA, disputes and verification of debt must be answered in an certain amount of time. This has been well over 45 days and the law firm just claims they are waiting on their client. I called today because there is a court date pending for XX/XX/XXXX and they still have no answers. I also asked to speak with the attorney as I am XXXX XXXX and have a legal right to represent myself. The agent refused before " I am not an attorney ''. I want the proper documentation that I have requested. I also requested the proper chain of the papers for every time this debt has changed hands. The firm and XXXX XXXX are in direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted both written and online disputes to have eqifax remove invalid information from my report. Including things like my name, Address & A host of inquiries that I simply didn't authorize. I have A fraud alert of all of my reports because there has been information listed in my report that simply was not mine. Below are A list of hard inquiries that I DID NOT authorize nor agree to have these companies pull my credit. I am requested they all be removed immediately as it is A violation of FCRA to report inaccurate information on someones report. I would like ALL of these specific hard inquiries removed. I have provided specific dates that they show to be pulled. 

XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) XXXX ( XX/XX/XXXX ) Addionally they have A host of name & Addresses listed that are not mine and has NEVER belonged to me. My Current name Is XXXX XXXX XXXX my former name before marriage was XXXX XXXX XXXX All other names should be completely removed from my credit report. Addionally, They have A host of addresses I have disputed over and over because they don't belong to me and never have.They have refused to remove these inaccurate addresses! My address on my report should be XXXX XXXX XXXX XXXX tx XXXX. I have been at this address for over 15 years and have been at NO OTHER ADDRESS On my credit report! Many of those address I have NEVER had any connection with and can be listed as fraud and any account connected to the addresses should also be disputed as fraud. I should only have ONE address connected to my report and thats the address mentioned above. I should also only show ONE name on my report which again is mentioned above. Again ALL inquiries listed above ARE NOT MINE. Please make these corrects immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: RI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Valor Intelligent Processing, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I reached out to this company yesterday and asked them for a validation of this debt and the only thing they told me was that they tried reaching me but cant prove it by law they must or should send me any documentation explaining how I owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: WI
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:
There is a bankruptcy Case # XXXX that is not mine and does not belong to me. I have contacted the US bankruptcy court in XXXX WI. They have confirmed that they do not report bankruptcy filing to public record. I am asking for this to be removed from my credit report as soon as possible to avoid legal actions.

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: Experian Information Solutions Inc.
State: VA
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:
There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

Experian also detailed me as having these connections XXXX and XXXX XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

Dark Web Scan has shown me that my SSN and DOB were exposed on the Dark Web several times.

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