BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter from Resurgent saying an original XXXX XXXX, XXXX, and current owner LVNV Funding LLC, are trying to collect a debt of XXXX. I am not familiar with any of these companies or this debt. They letter was also address to my Maiden name which I have not used in 19 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank which finances the TJMaxx Rewards card closed my account today after XXXX months of having the card opened. I paid each month on time and actually paid it off recently. My credit score has gone up actually in the last month and a half because I have paid down a lot of my credit cards ( or paid them off ) and personal loans. The reasons the company used was that I did not have real estate in my name to secure the account ( which I didn't have when I opened the account 7 months ago ), that my balances are too high, which is not factual as of XX/XX/XXXX and if XXXX XXXX or XXXX is reporting such, they are reporting erroneous information because I have proof that I have paid down my debt. 

I contacted the company and spoke to a manager who opened an investigation and while discussing with her I informed her that this seems to be a pattern. I have other XXXX Americans who have made similar comments that Synchrony gave them credit on these store credit cards and around XXXX XXXX months later the card ( XXXX ) were suddenly closed after a big purchase like a house or car. I have also memory that I had a XXXX and Care Credit card that were in good standing in XXXX that they closed 8 months later after I paid them both off. 

This company is practicing discriminatory lending practices, issuing credit then suddenly after the cards are paid off, closing them without legitimate and factual reasons. At least if the reasons were valid when you approved me you can not use the same reasons to suddenly close my account, correct? And now it's happened twice. At least in XXXX, I owned a home that didn't suffice to secure to credit cards with a total {$1500.00}!!!!

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 explanation
Consumer complaint received 2023-06-15
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-12-12
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, even though I have never been overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
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:
upon me reviewing my credit reports i discvored these accounts on my credit reports XXXX XX/XX/2023 i filed an FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This credit reporting agency is reporting information regarding my payment history without my consent. I have not given it the authorization to do so. This is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ) which declares " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have not sent written instructions to the this agency to furnish my payment history. The history of my payments is not supposed to be included on my credit report without my consent and authorization. This credit reporting agency is also in violation of the Privacy Act of 1974 which states that, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). This consumer reporting agency is violating my privacy as I have not requested for or given written consent to this credit reporting agency to disclose any records regarding any late payments 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 2023-12-24
Company: Experian Information Solutions Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I HAVE HAD A FREE EXPERIAN MEMBERSHIP SINCE 2021 AND DECIDED TO TRY OUT THEIR DIGITAL CHECKING ACCOUNT, BUT I AM EXPERIENCING BAD CUSTOMER SERVICE AND I CAN NOT TRUST THIS BANKING SERVICE. SINCE I HAVE OPENED THE ACCOUNT, NONE OF THE AGENTS I SPOKE TO CAN FIND MY ACCOUNT AFTER GIVING ALL MY INFORMATION INCLUDING PERSONAL INFORMATION INCLUDING BIRTHDAY AND SOCIAL SECURITY, THERES BEEN CHARGES ON MY ACCOUNT THAT THEY CAN NOT TELL ME WHERE THE CHARGE CAME FROM AND THEY WILL NOT ALLOW ME TO CLOSE MY ACCOUNT STATING THEY CAN NOT FIND IT WHILE ITS AN ACTIVE OPEN ACCOUNT. AT THIS POINT I JUST WANT TO CLOSE THAT ACCOUNT AND EXPERIAN IS NOT ALLOWING ME TO DO SO EVEN THOUGH THEY ARE SAYING THEY CANT FIND THE ACCOUNT, I FEEL LIKE I AM BEING SCAMMED AND HELD AGAINST MY WILL WHEN ALL I WANT TO DO IS CLOSE MY ACCOUNT AND CUT TIES WITH EXPERIAN DIGITAL CHECKING, PLEASE HELP!

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 2023-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a federally protected consumer I sent a notice to such company to opt out with information sharing on XX/XX/XXXX. I have never received notice or disclosure to opt out per 15 USC 6802. Furthermore, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization, I, the consumer may have given you written, unwritten, verbal and nonverbal to any third party that is effectively immediately and indefinitely.Per the privacy act of XXXX, such financial institution violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed.

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 2023-10-25
Company: EQUIFAX, INC.
State: KY
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:
accounts that appeare on my credit report are due too the equifax data bearch please see attached report from equifax showing ive been affected please see FTC report for idenity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Self Financial Inc.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
In accordance with the Fair Credit Reporting Act Self Financial/ lead bank has violated my rights as a consumer. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Professional Debt Mediation, Inc.
State: FL
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:
Two collections agencies have reported the same a debt on my credit report, all of which does not belong to me. They are XXXX. XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX. XXXX XXXX XXXX. 

I have request the original purchase agreement that shows the legal owner of this alleged debt. Also, requested that they include all the terms and conditions that are included in this purchase agreement. 

In accordance with the Fair Credit Reporting Act, the list of accounts above has violated my Federal Protected rights to privacy and confidentiality under 15 USC 1681. I informed XXXX, XXXX XXXX and XXXX to reinvestigate these accounts and to remove and deleted them from my credit report, immediately. However, only XXXX XXXX XXXX was deleted. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602A, states the right to privacy. 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instructionswhich I did not provide to them. Furthermore, these alleged debts are over XXXX XXXX XXXX and by law any debts XXXX XXXX XXXX must be removed and deleted. 

My information has been impacted by these credit bureau and has cause extreme stress. These credit bureaus sold, bought and traded illegally. I am requesting The FCRA states that accounts and collections must be complete, verifiable and accurate. XXXX XXXX XXXX and XXXX XXXX XXXX have both illegally reported this alleged debt on my credit reports causing a significant amount of stress, embarrassment and loss of receiving credit. Requesting that these items be deleted and removed in a timely manner. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: LEXISNEXIS
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the enclosed documents. Commence an inquiry into these accounts, as I am consistently punctual, yet they are inaccurately marked as late.

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 2023-10-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1680 section 602 a state i have the right to privacy.

15 U.S.C 1681 section 602 a section 2 the off state consumer report agency can not report 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 : 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 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.

15U.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.

These inaccuracie are stopping me from getting a house for my family and car for kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called the XXXX XXXX XXXX XXXX and asked why I was charged interest when the account was on autopay. The operator told me that that was because they made an error. This was the third time they made such an error. What they are doing, apparently, is going into my bank account and removing only a portion of the cash I set aside to pay the credit card bill in order to incur interest charges. I called the company to complain. They noted the complaint and gave me this reference number : XXXX. And they credited my account for the charges. This is the third time they commited this fraud.

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 2023-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 ante
dates 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 non-monetary relief
Consumer complaint received 2023-12-17
Company: Kubota North America Corporation
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My estranged husband applied for a Kubota Credit loan to purchase machinery. He used my name and credit to obtain the loan with myself as a co-signer. I have never been in the XXXX, Tn Kubota store nor did I agree to co-sign. I never signed for a loan with Kubota. I found this loan when I checked my credit report and I immediately called Kubota Credit Corporation. They sent me the contract which was electronically signed. I filed a report with the XXXX, TN police department. They admitted they only spoke to " me '' over the phone and that " I '' was not in store that day. Kubota is dragging their feet in trying to resolve this issue. I have made a fraud complaint with Kubota Credit and I am still getting the run around.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TN
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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation