BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: E*TRADE BANK
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I Disputed with XXXX in Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. So I Called XXXX  again about why my dispute was not investigated correctly on XXXX/XXXX/XXXX at XXXX. Spoke with XXXX. She stated shes putting in another direct dispute and it could take up to 60 Days. Because I sent in proof of payment from a letter from E*Trade showing they confirmed my payment on XXXX/XXXX/XXXX. Also that the payment was taken out from my XXXX XXXX Checking Account with my online dispute from Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 
It still wasnt removed as a delinquency. 
As of when I received my updated experian credit report they sent me on XXXX/XXXX/XXXX. This has been hurting my credit since XXXX. I am fully XXXX and to sick anymore to fight these companies. Which E*Trades Number on my Credit Report is disconnected. 
Please please help me fix this. Im in dispert need of your help. Also with other problems that they wouldnt fix as well on my 3 Credit Reports that I 've been trying for about 2 years now. But it becomes to overwhelming for me because Im very sick. 
Thank You and XXXX Bless, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX H : XXXX C : XXXX XXXXXXXXXXXX I have proof of all my payments. 
Please just tell me where to forward them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CAINE & WEINER COMPANY, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
upon reviewing my credit file on XX/XX/2023 I noticed this Collection account that appeared on my credit file that's the result of fraud and identity theft I continued to reach out to the company so they may investigate this collection account and remove it from my file as of date no one has reached back to me I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: LEXISNEXIS
State: MS
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:
LexisNexis : I have contacted this company on two occasions because they are reporting incorrect information about a bankruptcy and sharing it with the credit bureues and other third party companies. 
After my first attempt to contact LexisNexis, They wrote me back, stating they verified my information from the courts. I contacted the Federal Court and they stated to me, ''that they do not share personal information or sale personal information to any third party companies. 

My second letter to LexisNexis, I requested that they send me the original documents with my signature on it. LexisNexis has fail to respond to any of my phone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reached out to all 3 credit bureau and send off letter about this matter on my credit I am not pleasure on how this is being handle.

specifically 15 US code s1681 s-2 responsibilities of furnishers of information to the Consumer Report Agencies by certain creditor listed on my credit report.

According to Section 1681s-2 ( b ) furnishers of information to consumer reporting agencies such as creditor in questions, have a legal duty to provide accurate and complete information, however after careful review I have identified multiple and inaccuracies in the report of the following. 

US Dept. of Education 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

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 2023-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
There are two addresses on my credit report which I have never lived there in my life before

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Experian Information Solutions Inc.
State: CO
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 disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my 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 2018-07-26
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX XXXX ; I moved in 2016 to my new address. Synchrony Bank were sending out my credit card information to my old address of XXXX XXXX XXXX XXXX, XXXX Arkansas ; after I had reported my new address to them. Someone or businesses stole my identity at this old address, through email or etc. I was viewing my credit card statements, and have been continuing to pay these fraudulent charges on credit cards that I never made. I have been in the hospital fighting Triple Negative XXXX XXXX for the past few years.After viewing my mail, card security had paid off my credit cards statements due to XXXX. I should have a zero balance after my cards were paid through card security/ Synchrony Bank . I havent made a purchase on cards in several years. The fraudulent cards includes, XXXX, last XXXX digits ( XXXX ) XXXX, last XXXX digits ( XXXX ) XXXX XXXX XXXX last XXXX digits- ( XXXX ) XXXX  last XXXX ( XXXX ) XXXX XXXX master card, last XXXX digits ( XXXX ) - I reported this card opening in my name as fraudulent. XXXX last XXXX XXXX : I didnt authorize anyone to use these cards after they were paid to a zero balance. Its totally not fair to me to keep making payments on these cards. Im not sure if my card ( s ) information were stolen online, in store, or old address. I have been reporting these cards as stolen through credit bureaus but Synchrony Bank refused to investigate these following cards as fraudulent. I however since fraudulent charges were made on my cards refused to keep on paying for something I never used.

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 2023-05-27
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have attempted several times to get a copy of my report through the company and their website is erroneous and does not work. I was denied a checking account based on BAD information supplied by the companyt to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Credit Karma, LLC
State: NC
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:
For 2 1/2 Years Credit Karma has been giving Me FALSE INFORMATION about My Credit Scores, A Blatant Violation of 18 US Code 1038 ; They have had Ample Time to Satisfactorily Resolve The Issue.

Now, To Clearly Avoid Resolving The Issue, They have Deactivated My Account WITHOUT MY AUTHORISATION! THIS IS UNLAWFUL TAMPERING TO AVOID PROSECUTION, A CLEAR VIOLATION OF 18 US CODE 1512, PARAGRAPH C!

IN THE MEANTIME, CREDIT KARMA STILL LIES TO THE PUBLIC WITH IT'S DECIEVING ADS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX added a XXXX item to XXXX credit report. XXXX XXXX XXXX but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that XXXX XXXX XXXX added an item to my XXXX report without providing me with a written notice regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: WI
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: SYNCHRONY FINANCIAL
State: OK
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:
On XX/XX/XXXX I got an email from XXXX XXXX  saying there was a change in my report. So I went and looked and there was a hard inquire from synchrony bank for a paypal extra Mastercard and I didnt apply for any credit card. I called the bank to have them remove it and they wanted my ss number to do it so I didnt want to give it to them and they hong up on 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 non-monetary relief
Consumer complaint received 2022-11-29
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:
FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CarMax, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, CARMAX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

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 explanation
Consumer complaint received 2023-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought tickets for XXXX XXXX from XXXX. When I got to XXXX XXXX the employees tried to take my tickets away and force me to give them cash to buy new tickets I gave them my credit card under duress because I thought my credit card would be on my side. 
Why would I buy two tickets for the full price when I bought tickets online for half the price. 

My credit card company said tickets are none refundable I have to contact the company the threaten me with the police.

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 2023-05-27
Company: Atlanticus Services Corporation
State: DC
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 not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service .

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven.

I request that you investigate this I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXXa correspondence was sent via certified mail along with an Affidavit of truth/Identity to Common Wealth Financial Services after receiving an alert on my credit report in regards ta an alleged account ( # XXXX ) a medical account that was originally established between XXXX XXXX XXXX XXXX on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX XXXX XXXX XXXX signing giving permission to disclose such private info as it violates HIPPA of XXXX/ FDCPA 807 [ 15 USC 1962e/ Sect. 609 ( a ) ( 1 ) ( A ) ]. Haven't heard anything from them since and their mark on my credit file is damaging. I informed them that if a fair resolution isn't reached then legal matters will entail. By way of Notice of Fault & Opportunity to Cure, Affidavit of Notice of Default, and Affidavit of Certificate of Non-Response will follow and will follow with legal matters and ask for jury trial to remove from small-claims court jurisdiction to obtain larger settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Capio Partners, LLC
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX ASSET CARE LLC, 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 cannont furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
XXXX was filed against AMEX for fraudulently adding unauthorized transactions back to accounts that were already closed by me and evidenced as acceptable by them with {$0.00} balance closing account statements. They have then proceeded to destroy my pristine credit record that I have built over 30 years. I can not do anything financially now and everyone looks at me like I am a deadbeat. All of the rest of my credit record is pristine but I refuse to pay the fraudulent charges from AMEX so they are ruining me. Why are you letting them do this? Please get this mess straightened out. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation