BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
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 2019-07-29
Company: Credit Protection Association, L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/19 I requested cancellation of services from XXXX XXXX via phone to customer service and email to XXXX XXXX. I was told that I would not be billed further and if so they would prorate charges. After receiving my bill and realizing they did not prorate and continued to charge me I called corporate escalations. Towards the end of XXXX- I spoke w XXXX and she informed me the charges would be adjusted after I turned on my equipment which I did a couple of weeks ago after visiting w my sister. The charges after that were {$510.00} which is incorrect as I was billed for that month. However was going to make payment for the amount I owed to avoid collection. I called Corporate escalations today as I received a letter from a collections bureau regarding the amount due to XXXX. I was told by XXXX w XXXX escalations today that they will not accept payments on closed accounts and there is nothing we can do. I have been working on my credit and now have a negative because of waiting to resolve this with XXXX which is unfair and unjust. I hope you can help me resolve this. I have also filed a complaint w the FCC ( # XXXX ) for the amount owed however I would like XXXX to fix my negative credit respite and allow me to make payments. Thank you so much. 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 2021-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX *Opened online account with Equifax *Attempted to lift a security freeze for limited time frame *System blocked me from being able to manage/lift the security freeze *Error message appeared stating " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' *Tried several ( AT LEAST 6 TIMES ) times to access and lift security freeze online without success *Tried to lift the freeze by phone - called at least 5 times *Entered all correct security information to verify my identity *Phone system message stated " we could not verify your identity with the information provided ''. 

*Sent written letter to lift freeze on my account *Freeze is still in place I AM ATTEMPTING TO LIFT A SECURITY FREEZE SO THAT A LENDER CAN RUN A CREDIT CHECK - EQUIFAX IS IMPEDING MY ABILITY TO COMPLETE THIS STEP IN BEING APPROVED FOR A HOME LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: GA
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 was checking my credit reports the other day and noticed that these accounts are inaccurate, and I need them removed from my credit reports because it is destroying my life! In Accordance With the Fair Credit Reporting Act the accounts listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Inaccurate accounts : 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 Incorrect Name : XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX. 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 an account without my written instructions. I never provided written instructions. 15 U.S.C. 1681a-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. Someone knows that this information is inaccurate, and is negligent in correcting my credit reports.

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 2023-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' XXXX, Equifax, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: KY
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 a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following items right away : XXXXXXXX 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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-03-10
Company: Avant Holding Company, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I. the consumer and natural person. was denied credit by AVANT when I applied for a {$3000.00} personal loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

Avant- is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Avant due to the response I received.

Avant is in violation of 15 U.S. Code 1642.

U.S.C 168lm and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AVANT because XXXX wasnt approved for the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 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 2023-03-10
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
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:
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.

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 2019-12-10
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
In XXXX, I purchased 3 money orders for {$990.00} each, total {$2900.00}. I delivered the money orders to the payee like usual. The payee proceeded to take the money orders to his bank ; however, the address portion of the money order was left blank by mistake, so 2 of the 3 money orders were returned and marked for fraud, while the other was put on hold by said bank. After contacting western union numerous times between XXXX and XXXX to try and resolve the issue ( for which I do not have the dates ), on XX/XX/2019 they directed me to go to the XXXX that I purchased the money order at because they placed a void on the money order, and they would be able to give me a refund or a reissue of the money order and to call back once I was there. Approximately XXXX on XX/XX/XXXX, I went to XXXX and called the money order service line as prompted, and the customer service representative instructed me to have the store call them to confirm that they were an agent. XXXX has a policy that says they can not call or do virtually ANYTHING without a physical copy of the money order. I did not have either parts of the money order because 1 ) the top part was shredded by the bank 2 ) the bottom part was submitted for a tracer request. Despite this being the case, the XXXX manager called anyway. When she called around XXXX, the operator at western union told her she didnt have to confirm anything. I called back and was once again instructed to have the store call to verify. Once she called again, she was told the same thing, she doesnt have to verify anything. I explain to the XXXX manager that the reason western union sent me to the store is because western union said that XXXX has put a void on the money order. The lady explained that once the money order is sold, there is no more contact between them and the money order, and that there was no way for them to even try and put a void on the money order. Ive Been running in circles and Ive hit multiple dead ends. I just need a solution. Ive attached legal photocopies of the original 3 money orders, as well as the email from the bank manager of XXXX XXXX XXXX  in XXXX, Ga XXXX to the payee about the money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
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:
I received letter from Chase dated XXXX XXXX, XXXX stating " We decided to close your accounts because of unexpected activity on this or another Chase account. '' I called Chase and talked to various customer service representatives, but I never received any more information beyond the above statement. 

I would appreciate if Chase could provide more detailed explanation for closing all my Chase accounts. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT ADJUST is claiming that I owe them {$600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
American Honda Fianc is threating to report a negative on my credit for lack of payment. I have never missed a payment on the auto loan that I am a co-signer on. 
The co-signer on the loan had her bank accounts hacked which made her auto payments return as frozen account. I was made aware of the problem as the other co-signer and I brought the account current with in 48 hours. I might also add that the car was involved in a auto accident and was a total loss. The insurance company sent AHF XXXX XXXX dollars which made the account16 payments ahead of the contract. I have talk to Honda Finance and they are being very rude about the problem. I was never notified by mail or by phone that the account was going in 30 and 60 day late. I also have GAP insurance that are taking there time in paying the car off. Can someone from your office please let Honda know that are not being very consumer friendly, and they are required to notify the consumer of any negative action to the consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I attempted to transfer {$200000.00} from our KeyBank savings account to a XXXX XXXX XXXX XXXX  account on XXXX via a KeyBank Official Check ( copy attached ). On XXXX XX/XX/2023 we received a letter ( copy attached ) from XXXX XXXX informed us that our account was on temporary hold : Confidential information that check may not be paid. In a XXXX XX/XX/2023 letter XXXX XXXX states : Reason for hold on deposit : Confidential information that check may not be paid by the paying bank. It appears from the letter that XXXX XXXX XXXX  is stating that KeyBank for some confidential reason may not be paying the check, however we request that KeyBank investigate and provide details and clarification why the check was not paid. After all we paid {$8.00} to have this check processed by KeyBank and a very large sum of money was subsequently held from us for an unreasonable period of time. There is absolutely no reason why this information should be " confidential ''. 
CFPB closed complaint " with explanation '' however KeyBank failed to provide copies of the referenced documents that were to be part of KeyBank 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX  and Transunion credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX XXXX  ( the Company ), whose actions are designed to achieve the goal of robbing and defrauding innocent people in the equivalent of XXXX USD which were transferred from my Coinbase wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: DISCOVER BANK
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:
I was trying to buy a car and I noticed I had damages on my credit report. According to the 15 USC 1681 law, there shouldn't be any damages on my report. This is defamation of my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed XXXX complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed it with XXXX and Experian they both denied the claim stating XXXX XXXX Provided proof. I had legal service req proof and the submitted a ledger from XXXX XXXX which was a former property manager for The XXXX XXXX in XXXX TX. 

I sent proof I didn't owe the full amount to XXXX XXXX and the bureaus. The Bureaus responded " we are not required by law to dispute a second time '' My complaint is against the Bureaus, XXXX XXXX and XXXX XXXX. They are holding me up from buying my house.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$130.00}, XXXX XXXX XXXX Balance : {$600.00}, XXXX XXXX Balance : {$65.00}, XXXX XXXX Balance : {$430.00}, XXXX XXXX XXXXXXXX Balance : {$920.00}, XXXX XXXXXXXX Balance : {$890.00}, XXXX XXXX XXXX XXXX : {$380.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$220.00}, XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/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 explanation