BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The following accounts are being reported by the following bureaus XXXX & XXXX! XXXX XXXX XXXX invalid account never verified BRIDGECREST XXXX invalid account never verified XXXX XXXX invalid account never verified for the record They are invalid and have never been verified for the record nor the record have they shown me any legal tangible instrument via mail or email. I have requested this several times, I have been violated with the damages both BRIDGECREST, XXXX XXXX, & XXXX are legally liable for the following illegal behavior and actions : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 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. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 7 ) violation of 15 U.S.C. 1692g Validation of debts The following accounts below are in error because of identity theft ( please refer to the attached FTC Identity theft report within the mailing packet ) According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit documentation. XXXX XXXX, BRIDGECREST, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. This information has never been verified for the record via mail or email and once never as a legal tangible instrument. CAN THE FOLLOWING COMPANIES EXPLAIN TO ME WHY MY RIGHTS KEEP BEING VIOLATED? ALL INFORMATION SUCH AS FTC ID THEFT AND OTHER SUPPORTING DOCUMENTS etc. HAS BEEN ATTACHED TO SEVERAL PAST COMPLAINTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-04-17
Company: Branch Messenger, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I work for XXXX eats. I activated my XXXX pro card. Saturday I tried to remove the funds and was declined and told by their outsourcing agents that my account has been locked and I have to speak to Next Level Support although they have not unlocked my account and all agents state their tools do not alot them to unlock the account. 

Branch XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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:
In accordance with the Fair Credit Reporting act, The List of inquiry accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage has put force placed flood insurance on my condo. My flood insurance had never lapsed. My flood insurance company faxed a copy of the policy to Suntrust yet the mortgage company continues to say they did not receive it. My insurance company has emailed me confirmation that Suntrust received the fax on XX/XX/19 ( 103 pages ). I called again to Suntrust today to confirm that they received it ( allowing the 5 days per their instructions ) and told them that I have confirmation ( attached ). They hung 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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX Account # XXXX ( 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To whom it may concern, Commencing on or around XX/XX/2022, till XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX from my XXXX and XXXX accounts through an intermediary named Coinbase ( which I hold accountable ) to these fraudulent investment companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been paying on my Discover credit card without fault since opening the account in XX/XX/2012. it has and APR of around 19 %, recently dropped to 17.2 %. I've called Discover several times regarding the amount ive been paying toward interest. every month, I pay the minimum amount or more ( currently {$420.00} ), and between 70-78 % of the monthly payment ( currently around {$300.00} ) is going toward interest! not 17 or 19 %, which is the APR. 

currently, I have a balance of around {$20000.00}, and with a minimum payment of {$420.00}, my most recent statement says it would take 40 years to pay off this account, and I would end up paying a total of around {$70000.00}. 

when I speak with Discover card representatives, they do not seem to be able to explain this at all. 

if you plug these numbers into a debt repayment calculator, a {$20000.00} balance, paid at {$420.00} a month, with a 17 % APR, this shows an estimated payoff time of 81 months ( just under 7 years ), and with a total interest of around  {$13000.00}, so I would end up paying a total of around {$33000.00}, which is 2.5 times less than what Discover says, that is, {$13000.00} in interest versus {$50000.00} in interest. 

There seems to be some highly illegal action taking place here. I would like to be reimbursed for all of the years ( since 2012 ) that I have paid this astronomical apparently 75 % APR, for my account to set to {$0.00} balance, and a more fair 10 % APR instated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency. 

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : EXPERIAN CREDIT REPORT  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXXXXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX   CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX-XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ

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 2022-10-05
Company: EQUIFAX, INC.
State: NY
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 : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, U.S DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 purchased my lease vehicle through Trophy XXXX as it was required to be handled through a XXXX dealer. There was no reason for the dealership to pull credit themselves or through Capital One XXXX XXXX. The dealership had prior approval from XXXX XXXX to finance my vehicle however the dealership pulled their own credit report and sent it out to 2 other lenders. The dealership provided the attached letter however has failed to get all of these retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed unauthorized inquiries on your report or you noticed someone applied for something in your name. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: SC
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 hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: FL
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 filed an complaint with XXXX credit first regarding an inquiry found on my credit report from them named XX/XX/XXXX/XX/XX/XXXX and told them I didnt authorize this inquiry.. they then went into their record and in fact didnt find any information of me applying for a XXXX credit card. I filed a dispute with Equifax back in XX/XX/XXXX & its been approximately 90 days from that date since I filed.. and after sending them proof and personal documentation, theyre STILL refusing to dispute this fraudulent inquiry off my credit report and saying they havent received anything from XXXX credit after it reached the 90 day mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a loan on a XXXX silver XXXX XXXX XXXX Santander Consumer USA. Due to Covid 19 I was in a very difficult situation and I was late on the last 3 payments of my car. On XX/XX/XXXX my vehicle was repossessed from my apartment. It was then sold on XX/XX/XXXX for {$30000.00}, I owed {$11000.00} to the bank. Now I have a surplus of {$18000.00}. I have called countless times and they tell me I have to wait until accounting comes through with the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: PA
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, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from JPMCB CARD on XX/XX/2021. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from JPMorgan Chase and I have been injured.

Company response to consumer: Closed with explanation