BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
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: Account information incorrect

Complaint:
XXXX and Equifax declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. 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 deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: Bread Financial Holdings, Inc.
State: IN
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:
In XX/XX/2018 I submitted a dispute for charges I was wrongfully charged. The results of the investigation were unsatisfactory. I then submitted a second time along with a handwritten letter explaining in detail what happened as well as my information to contact me back if there was anything else needed to complete this dispute. I sent this information a total of 3 times over the period of a couple of months with no reasonable explanation of my situation. So I then started sending messages to them explaining to review the information I have sent in multiple times already. The replies back from them were to resend everything again. Unfortunately I do not have copies of the details of my dispute but the claims department does. So I called one last time desperately seeking a resolution to this issue and the department that handles these dispute claims are not available to speak with nor would the credit card company contact them on my behalf. I finally canceled the credit card which I did not want to do because of the unsatisfactory customer service I received. I feel very disappointed that my credit card company would not help me out in a situation that I went above and beyond to get the matter resolved in a timely fashion with no satisfactory results. I was very loyal and only used this card as well as every payment I made was on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Good morning, Im writing this complain because Im so fed up with how Bank of America treats me as a customer. This issue I have with Bank of America is happening isnt first time. They had charged me overdraft fees previously and couple times fair but other times is not at all. All my requests to waive was unsuccessful. The reason why they charge me overdraft is not because my account didnt have enough funds for scheduled payments but because of in which order they clear up transactions which is so unfair and wrong. I just found today that they again charged me overdraft fees for three transaction! Which is three times {$35.00}. These three overdrafts couldnt happen because I had enough funds to cover scheduled bills. Yet, Bank of America found they way to clear up transactions in the order that convenient for them. I spoke with customer service two times and they deny to waive it. All my logical explanations dont make any difference for them. When I asked why Bank of America deny my request to waive it, they say they cant explain. Its just denied. Ive been a loyal customer with this bank for so many years, not even saying that they took total of {$100.00} overdraft fee ( three times {$35.00} ) unfair this time and theyre so careless.

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 2023-05-08
Company: EQUIFAX, INC.
State: NV
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 wrong, missing fraud etc. information on my credit reports. I have disputed this for 3 plus years, I again contacted each bureau and tried to resolve. they have violated my rights under 15 USC 1681. they have caused me harm, jobs, loss of credit, mortgages and loans etc. 
I have repeatedly tried to get the information removed and they just turn it over to someone else for me to contact. 
I did not give then permission to use or sell my information. 
i did not give them permission to use this negative credit against me. 
I have shown them this was not me my name is XXXX not XXXX. they still will not remove these 5 accounts from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Southwest Credit Systems, L.P.
State: CO
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:
XXXX claims i owe {$90.00} which i do not. I have disputed via XXXX XXXX cbr 's disputes 3 times and it still remains on my credit. every time i have disputed the item it seems to go to a new " collection company as a new debt? and one of which i do not owe! '' what this indicates to me is rather than providing proof and or any information as to why this debt is owed, or taken off my credit it goes to a new " vendor ''. First it was XXXX, then went to XXXX XXXX company now it is showing under southwest credit systems. I have said i would even pay the debt that i do not know to get it off of my credit however apparently that is not an option. i have been sent no verification of when this supposed debt occurred, why they state I owe it etc. 
I have attempted to resolve this issue however it will not go away and just keeps coming up under different collection companies as a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-08-10
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One of XXXX XXXX XXXX credit card debt collectors keeps calling me after i told them like 2 or 3 times to stop calling me. I even told them that its harrassment to continue calling me. I disputed back around XX/XX/XXXX because i didn't authorize it and someone took it out in my name without me knowing about it. It was approximately taken out in my name around XX/XX/XXXX i think guessing and its over 10 years old the debt. I told them i ain't paying it either and they can't go after me since its over 7 years old. I would like them to stop calling me repeatedly harrassing me for the {$900.00} something debt owed since its been disputed and its over 10 years old. Im not going to pay them because i didn't authorize it. I want to be left alone and not contacted again by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: AL
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I started receiving collection notices about 2 months ago after disputing for fraud. I sent my police reports. After contacting AmerAssist I was told my police report is too old and that my email was used. So it cant be deleted. In the police report it mentions my computer was stolen which contains my email and personal info. The debt is for {$1400.00}. This is identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One reported that I was late on my Credit Card payment in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. This war correct. I called to let them know that I had gotten the XXXX XXXX virus. During my illness. I had no means of handling my financial obligations. I finally was able to make payments and currently I'm up to date. I was under the impression that late charges were not to be applyied during this pandemic. I send letters and made phone calls to Capital One with negative results. I would like to have these 3 late payments removed from my credit report. This has caused a impact to my credit report. I am a XXXX XXXX XXXX XXXX veteran who has been trying to improve his credit by doing the right thing. Which is to make amends with passed creditors. Please let me know of any results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Date : XX/XX/XXXX Amount in transaction : {$200.00} ( including {$3.00} transaction fee ) On XX/XX/XXXX, I decided to purchase approximately 200 dollars worth of bitcoin through Coinbase. The transaction went through successfully. Following the transaction, a window prompted me to verify my identity. Part of verifying my identity included my date of birth, which is XX/XX/XXXX. Shortly after submitting my address and date of birth in order to verify my identity, I received an email from coinbase explaining that restrictions had been placed on my account due to the fact that I am under XXXX. Because of the restrictions, I am unable to sell the bitcoin that is in my account, or send it to another account. The bitcoin is laying frozen in my account, and I can do nothing with it. This effectively means that this company is withholding XXXX dollars from me. 

At the time when I created my coinbase account ( over one year ago ), they did not have a policy stating that users had to be over XXXX. This new policy was implemented only a few months ago. I was never made aware of this change in policy - I never received an email, nor was I informed of this change when logging into the site. I think it is unfair that coinbase allows users to give them money without requiring identity verification, only to withhold that users money when they fail the ensuing identity test, especially when the user is never made explicitly aware of the policies & requirements involving identity. 

I was unable to get a hold of coinbase through the phone, as I was repeatedly met by an answering machine. I sent a support ticket, but I am skeptical as to how effective this will be, as most people in my position have commented online that coinbase can take months to resolve similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Self Financial Inc.
State: AL
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:
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navy federal has a closed account in my name that is damaging my credit and needs to be removed, this charge off account has been disputed 3 times in XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
So the vehicle went up for repossession. i asked for a payment plan and had hardship with loss of employment with XXXX XXXX XXXX i was hired on with XXXX now long right after but by this time i was never notified of the repo. then the car was reposessed, so i said okay fine. well then never got a letter until after it sold from auction the vehicle loan balance on my credit report is showing inaccurate. GM financial is not reporting the correct balance owed. they are reporting {$17000.00} and it should be around {$7000.00} since they claimed they sold the XXXX XXXX at auction. they have violated 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been popping up on my credit report for the last 2 years. Stating that I owe them the amount of XXXX from a XXXX loan that was opened in my name from identity fraud. I have sent them multiple letters stating this is a part of identity theft, i've also sent them a police report from my then local police department with the item listed as apart of the identity theft. they continue to not Validate this debt and since i am a Florida resident they aren't boded or license to collect debt in this state. This debt is hurting my ability to purchase my home. They removed the debt and admitted fault in XX/XX/2017 and has since then been reporting agin to my XXXX XXXX and XXXX reports! This is completely illegal what they are doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CITIBANK, N.A.
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:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under fake accounts which she is currently in jail for and facial years in jail for fraud I even have my police report I contacted all the debt collection to let them know that it wasnt me I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos on my account one of them is XXXX it shows that I had a XXXX account since XX/XX/2015 but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company XXXX/XXXX I have no idea who they are but they keep on reported me messing up my credit please help me get my identity back.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: AL
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:
Claims of XXXX dollars fraudulently charged. I have reached out multiple time for the removal of this account. Ive sent supporting documents with all landing upon death ears. This account has been disputed for its incorrect information and damage it has done to my credit score/report. The debt has been sold. And no one can prove this information to be correct. I demand this informantion be removed with in 30 days or we will persue damages for defamation of character. Under the fair credit reporting act companies or to report factual and accurate information and thats not the case here

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 2023-01-27
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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:
Equifax has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX XXXX  '', " XXXX XXXX '', and " XXXX XXXX XXXX '' Inquiries should be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed on XX/XX/2018 with XXXX  about an unverified account on my credit report from an unknown company named, ERC. The reply I received was the account was verified. I sent a second letter asking them how they verified a collection account that doesn't belong to me? Then, i sent a certified validation letter to ERC on XX/XX/2018 but I have yet to hear back from the company or XXXX. The FCRA gives them 30 days to respond. Still, no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation