BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
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:
XXXX XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
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 have reported this information. I have hard inquries on my credit report that is not me and they refuse to remove the information. the inquries on my report that need to be removed are as listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOTHING NO KNOWLEGE OF NONE OF THESE AND I WANT THEM REMOVE FROM MY ACCOUNT

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 2019-07-16
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: Investigation took more than 30 days

Complaint:
Per complaint # XXXX already filed with CFPB Equifax was to complete its investigation within 30 days. The date of this correspondence was XX/XX/2019. To date I have received no further information or update regarding this. I have supplied previously my letter directly from the creditor showing that I do not even have a debt with them. I will attach it again here. This is absolutely ridiculous!!! 

Please obtain a response from them. I have been working diligently for 2 years trying to get Equifax to update this information and they have failed me for 2 years. 

Please help or I will be force to escalate this even further. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-29
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-12-29
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Originally I opened a Synchrony Bank JCPenny card on XXXX/XXXX/XXXX. On XXXX of XXXX fraud was committed on the account and the Balance was sold to a debt collector. I have spoken to the debt collector XXXX XXXX and they have agreed to remove the debt from my credit report. However, JCPenney continues to report to CRA 's as a Charge -off. 

I 've explained dozens of times that fraud was committed on my account and they have yet to help. I 've disputed this many times and still have no resolved actions.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-06-14
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My brother was deceased in 2019. I called all of his creditors and they were understanding except this one who keeps calling me on this recorded number at all hours of the day and evening. The creditor is " Harris and Harris '' phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got into a car accident where I was a victim of hit and run insurance didn't cover the accident. It wasn't until around XX/XX/XXXX of 2019 we tried to do an involuntary surrender of the vehicle, I was told by the lady who worked for the bank that holds it " sorry we don't do that. '' I called again about it XXXX days later and they finally agreed to take it I gave them the information as to what company has the vehicle. XXXX days later I go back to check in with the garage where I was keeping my car, the owner of the shop told me never got a phone call, I call the bank and gave them the owner 's number. Next XXXX days they sent an estimator out and shipped the car off to another place for the car to be sold. The shop has waived lot fees for me from XX/XX/XXXX to about XX/XX/XXXX of 2019. From that point on till the time the car was removed I paid the garage XXXX $ in fees. A couple days later I get a letter from the bank saying I owe them about XXXX $ ; XXXX $ for the transportation from the shop in XXXX XXXX, PA to XXXX, PA and XXXX $ or so for the day it was sitting there before the bank got the car. The letter also stated it will be sold within XXXX days of this letter and that I would receive a call. A month goes by I call the bank they told me the car was estimated to be about XXXX $ and they would call me when it was sold and that the car was being sent to auction in Texas. They also tacked on another XXXX $ for what they claim is lot fees from the shop out here in XXXX XXXX. It has been over 4 months since they have had the car and has been shipped to multiple auctions already and still not sold. At this point it seems as if the car may have been sold and not applying the proceeds to the loan. The shop I had it at is called XXXX XXXX XXXX XXXX. There estimate was the car is worth about XXXX $ - XXXX $ in a basic good condition, my car 's damage was to the back passenger and bad enough the trunk wouldn't close ; the estimate given for that condition is XXXX $ - XXXX $ and XXXX $ in repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/1920 transactions cleared my account. USAA has a history and multiple complaints from myself about reordering the charges to bounce items they can charge NSF fees for. Even though the account remained positive that day, they said the available balance was low because of pending items and chose to bounce a {$58.00} check and ACH bill payment instead of any of the 18 other items they could not charge NSF fees on b/c they were debit. They easily could have declined any of the other 18 charges or said any of the other 18 caused the low balance, but instead bounced a check which causes long lasting problems for me. I implore you to look into the repeated complaints of USAA reordering items to maximize their fees as it unfairly causes financial strain and unjustified accusations of non-sufficient funds when I had the funds in my account that day to pay for my son 's school fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$680.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.

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 2021-05-09
Company: EQUIFAX, INC.
State: MN
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:
Ive reached out to equifax about errors on my credit report about inaccurate information and informed them to remove it due to providing incorrect info on my file but they still continue to report it these accounts that been reporting incorrect information. 

Accounts are as follow 1. XXXX  XXXX  XXXX  XXXX  2. XXXX  XXXX  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI LVNV FUNDING/XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX an

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX, I am out a lot of money, {$34000.00} was taken in by the scam from someone. 
Please help me out! I don't know what to do I'm so desperate and disappointed Please Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
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 am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

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 2021-08-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian consistently refuses to provide the free annual credit as consumers we are entitled to receive. I have emailed them, filed complaints directly through their website and have received zero response.

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 2022-08-09
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had tried multiple times to reach Avant Credit card to make my payment all the way up until twice yesterday morning also tried using theyre XXXX XXXX to make payments on time and theyre website all which had failed I received a call from them yesterday and they said I was past due and owed XXXX to bring account current I said I would make payment and that I had tried multiple times and could never reach them by phone as well they said they understood had me try resetting password multiple time in XXXXXXXX XXXX and using web browser all those times while I tried to do so failed obviously they said there was a problem on theyre end so I paid what I owed they said not to worry because problem was nothing to do with me they would do late fee waiver then XXXX I got a email from them saying late fee was denied so they lied to me knowing full well it was not in any way my fault I was not able to make a payment and even seeing themselves why I wasnt able to I need this late fee waived and not to effect my credit score I have been working so hard at improving my credit and this is unfair to do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
It's been 20 days ( as of XX/XX/XXXX ) since Capital One learned of their massive data breach of credit card customers. I have used their credit services since XXXX, and to date have received NO communication from Capital One regarding the hack or what information of mine was compromised. They only have general information and FAQs on their website. I just called customer service and they could not tell me what information of mine was compromised, including potentially my SSN and outside bank account number. Their lack of transparency regarding my own information after nearly 3 weeks is very concerning and I want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 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 response to consumer: Closed with explanation