BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by 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 2020-11-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The COVID caused my company to be shut down on XX/XX/2020 which left me unemployed. Synchrony bank knows of what happened since XXXX as I have ben keeping them abreast of my situation. I was also given extensions every 90 days. 

On XX/XX/XXXX, I was given a notice that my account was being closed and my credit was being destroyed by them. I attempted to speak with someone to explain the law and how the COVID rules should be enforced in which I was told to XXXX XXXX and we ended up in a shouting match with not one but 2 reps. They then both told me too bad and my account will stay closed. 

As a precaution I contacted the company who uses this as their main card Discount Tire who was very nice but in shock as they were not aware that Synchrony was closing their customer 's account without their knowledge.

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 2020-09-10
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:
MY CAR WAS STOLE WITH MY WALLET INSIDE, THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT OR KNOWLEDGE. THEY ALL NEED TO BE REMOVED NOW.

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 2020-07-18
Company: EQUIFAX, INC.
State: FL
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:
Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
Experian removed creditor XXXX, Acct # XXXX from my credit report XX/XX/2018, Report # XXXX. 

This item has been reinserted on my credit file with me being notified in writing of this withing 5 days violating FCRA LAW

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 2021-05-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have been submitting requests for the addresses that do not belong to me on my credit reports to be removed from Equifax, XXXX and XXXX. I have submitted dispute requests for this information to be removed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. each time the credit bureaus did not send me any dispute results or remove the addresses that do not belong to me on my credit report. 

XXXX incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX incorrect addresses are : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax incorrect addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CAVALRY INVESTMENTS, LLC
State: CA
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: Was not notified of investigation status or results

Complaint:
I have file disputes with Cavalry Portfolio Services in XXXX and I have yet to got a reply. 
I do not understand why this is taking so long. I hope you can help me on this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: NJ
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 am submitting this complaint to followup with Experian after they have not answered my numerous calls and letters I sent it to fix the errors on my credit report. I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX XXXX  and the us small business administration inquiries. credit plus did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!

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 2019-03-09
Company: Experian Information Solutions Inc.
State: OH
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:
This is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX CARD SERVICE # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX  XXXX XXXX  # XXXX 4.XXXX  XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7.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 2018-04-02
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I'm a cryptocurrency trader and I've been hacked right of the XXXX XXXX. I had {$4000.00} and XXXX of bitcoin which was worth about {$1800.00} at the time before my account was completely wiped out. I contacted Coinbase the owners of gdax about the issue as soon as I noticed I had no money in my account. They told me that they set my case as a priority and that I should be contacted in 2 weeks. This all happened XX/XX/2018. It's been almost a month and a half and they still are not taking any action. I give them a call every week and they give me the same answer. They tell me that they set my case as a priority and that I have to just wait. They are not giving me a time of when they'll get back to me and or when I'll receive my refund. I'm just left helpless with a frozen account that I can't trade with it and about {$5800.00} of my money stolen, in which I have no idea when I'll get back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Helm Associates
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: Account status incorrect

Complaint:
I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason The Helms Association decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 early morning i was shocked to see emails that said i sent money to XXXX through XXXX ( online remittance company ) ... It consists of 4 attemps/transactions, the other 2 was successful and the other 2 transactions was denied since my bank balance was out of fund already ... That very moment i called Bank of America and reported everything that my account is sure been compromised ... I also called the XXXX XXXX which took so long to contact since their customer service is limited to few hours only due to covid19 ... I normally use XXXX service since i also send money to XXXX for my parents there ... But this time is different ... I want the thief to be caught whoever did this ... {$2100.00} is a big money and i will never stop until i get it back ... Within 10 days Bank of America gives me provisional credit ... But after few days i got a message that the transaction in dispute is authorized by me and that i should be liable and my credit will be removed back ... I will never allow this since I'm the victim here and i can prove whatever i can just to get justice and money back which i earned by working hard, and only be taken by criminals ... 
For you out there please do be careful in sending money online because hackers are everywhere and they are smarter crooked criminals ...

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 2020-11-17
Company: American Credit Acceptance, LLC
State: CT
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 submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/ 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 explanation
Consumer complaint received 2020-12-09
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my 1st CFPB complaint I have had to make about the lack of response. However, I have filed disputes submitted directly to XXXX, XXXX  and Equifax. While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my first dispute on XX/XX/2020. This is not a delay ; this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by anyone to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Experian Information Solutions Inc.
State: NY
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 previously submitted several disputes regarding XXXX XXXX XXXX account number XXXX**** on my credit report. This account is not accurate and should be deleted from violating FCRA reporting policies and for not complying with XXXX XXXX standards which is required by the XXXX. This account does n't even have an Address Identifier Number because it is not accurate and should be off. XXXX and XXXX already deleted this account from my credit report.
Please delete XXXX XXXX from my credit report as my name does not have a y in it. also, delete XXXX XXXX as you spelled my name backwards. I do not want these two names to be confused with someone else.
Please delete the following inaccurate/incorrect addresses : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX, NY 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 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
CREDIT BUREAU IS IN VIOLATION OF FCRA, METRO 2 COMPLIANCE, STATE, LOCAL AND FEDERAL CONSUMER PROTECTION LAWS.

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 2020-09-06
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: Old information reappears or never goes away

Complaint:
After reviewing my TransUnion credit report on XX/XX/2020. I notice that Transunion has reinsurted 2 old account of which has been removed in the past for inaccurate, misleading, Unverifiable information. These two accounts has been reinserted without a letter of notification within 5 business prior to reinsurted Account as required by federal law. Section 1681 of the fcra rules. 

XXXX XXXX has been reinsurted on XX/XX/XXXX without notice of reinsertment. A violation of FCRA rules. 

XXXX  XXXX XXXX  has been reinserted in XX/XX/2020 without notice of reinsertment, 5 business days prior. A violation of FCRA rules.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from 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 2020-05-15
Company: FMA Alliance, Ltd.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
FMA Alliance , Ltd. sent me a vague letter trying to collect {$11000.00} for XXXX XXXX with Account number ending in XXXX. 

XXXX XXXX Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. FMA Alliance , Ltd. should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and FMA Alliance should be punished for making false/careless collection claims. 

My bankruptcy discharge is below. 

United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX XXXX XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AssetCare is attempting to collect on a debt that is not owed nor do they hold a valid contract for. Please find attached letters. I am requesting the CFPB investigate this matter.

Company response to consumer: Closed with non-monetary relief