BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian This isn't me please delete from my credit report please

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 2023-12-13
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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-11-29
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2022-02-11
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: SC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.

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 2022-03-18
Company: Chime Financial Inc
State: CA
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:
XXXXFor a while I thought XXXX XXXX XXXX XXXX  was a gift from the gods. It had turned out that when I went to dispute what was some horrific unauthorized charges I imagine it stemmed from the neighborhood 's I work in helping people as a pastor time began to shut down my accounts for filing those disputes. It is apparent that time only which is to act like a bank when it benefits them financially but puts nothing behind the XXXX guarantee and treats those of us who may be below High income levels different than they do the regular customers. No attention was paid to my filings XXXX rides charges in XX/XX/2021 and XXXX of 2021 through me where they begin to close every single account I had down including ones that had balances in and I never saw the money from XXXX XXXXXXXX or any other product. The email attached to my account was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: TN
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:
Since XX/XX/XXXX, I have written four certified letters ( see attached 4 Equifax XXXX letters ) to Equifax regarding multiple inaccuracies and FCRA violations they posted on three of the accounts they had listed on my Equifax credit report : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX BANK # XXXX These inaccuracies and FCRA Violations include but are not limited to : 1. Incorrect dates of last activity 2. Incorrect dates of last payment 3. Not posting my Notice of Disputes when notified that I disputes these accounts 4. Failure to update these files when properly notified 5. Incorrect Payment History In response to my disputes Equifax deleted these three files and confirmed this in a response # XXXX dated XX/XX/XXXX ( see attached 4 Equifax responses ). In the attachment you can clearly see that Equifax notified me of the deletion of the three files. 

On XX/XX/XXXX, I pulled my Equifax credit report and found that all three of the accounts had been re-inserted ( see attached excerpts from XX/XX/XXXX Equifax Credit Report ). I did not received any notification from Equifax of this action, nor any 5 day warning that is required under the FCRA. This is non-compliance under the FCRA and a failure to follow FCRA protocol. A quick look at the Payment History of the XXXX accounts and you can plainly see that Equifax continues to completely and blatantly ignored by earlier letters which pointed out their inaccuracies and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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 XXXX  account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 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 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX, experian, and XXXX are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.

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 2022-03-18
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got an automated call from XXXX ( XXXX ) XXXX Stating that they had detected fraudulent activity on my Cash App account. They asked me to stay on the line for a representative. I believe this is a scam. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX of XXXX XXXX Kia XXXX  was financed thru Kia Finance. The car was totaled XXXX XXXX In the month of XXXX the car was paid in full by the insurance company and the extended service contract provider. i also purchased gap insurance. On XXXX XXXX  the gap insurance refund was issued to the Kia store east. Kia store east sent the refund in the amount of {$1000.00}. The amount was then supposed to be forwarded to me since the loan had been paid in full since XX/XX/XXXX. It has taken me since XX/XX/XXXX till XX/XX/XXXX to receive the information where the money was. I contacted Kia Finance on XX/XX/XXXX, they claimed that they mailed the refund check in XXXX. I never received the check. Kia finance then searched to see if the check had been cashed .It had not been and was still Outstanding. XX/XX/XXXX they canceled the check and said they were reissuing the check in 7-10 business days. i called back XX/XX/XXXX still in process and to give them additional 7-10 days to recieve payment I called XX/XX/XXXX, they claimed the check has still not been issued. I feel now they are giving me the run around because every time i call different story

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 2019-05-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Im a widowed mother caring for a XXXX year old I made all my payments on time for years I tried to ask to for help once my husband became XXXX and eventually passed away but no solution. I was not informed of a suit being filed against me as I was back and forth to another country caring for my dad who eventually passed so I apparently missed the memo now Im the sole caregiver for my XXXX year old and theyve garnished my paycheck {$510.00} every 2 weeks its not fair to consumers these recovery services have lawyers that make hardworking Americans homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 these accounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX XXXX   struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Date of Last Activity is reporting inconstantly across all XXXX credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
On XX/XX/2023 I sent out an Investigation Request Letter to Experian by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named : XXXX XXXX XXXX XXXX XXXX I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted. 
I was never provided any original documentation nor a response within 30 days.

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 2022-12-10
Company: Fidelity National Financial, Inc
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
FRAUD WAS ADMITTED TO BY XXXX. THIS IS AFTER XXXX XXXX AND I WERE MADE TO DO HANDWRITTING TEST. TE WENT TO XXXX XXXX POLICE DEPARTMENT TO HAVE IT DOCUMENTED, BECAUSE WE DON'T TRUST XXXX. XXXX REPORT WAS MADE. 

I CALLED FOR A COPY OF XXXX XXXX ' HANDWRITING TEST, AND XXXX TOLD ME NO, THAT IS THEIRS, FOR INTERNAL USE. 

WE WERE ASKED TO DO THE TEST A 2ND TIME. I DID BUT DO TO THE FOLLOWING, XXXX SAID, MAN XXXX   EXPLATIVE. 
THAT NOTARY BROAD IS ABOVE EVEN BEING ASKED. PREDJUDICE XXXX XXXX XXXX ( EXPLATIVE ). 

I DID THE 2ND HANDWRITTING TEST IN POLICE STATION. 

WHAT XXXX AND I DID WAS SEE XXXX XXXXXXXX XXXX  BEAUTIFUL PENMANSHIP WAS EXACTLY THE SAME AS THE FORGED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

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 2021-06-28
Company: Paypal Holdings, Inc
State: TX
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:
I purchased 2 flights through XXXX XXXX using PayPal. I Cancelled all of the flights after Paypal chose to close my account ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX XXXX ( attached ). However- there is no money back on my card or in my paypal account. Paypal Transaction IDs : XXXX XXXX {$13000.00} Paid and no refund. 

I performed a XXXX complaint and CFPB complaint against Paypal and their response was " On XX/XX/2021, the Merchant attempted to send two payments to your Account for a total amount of {$13000.00} ( Payments ) ; however, these attempts were denied due to the limitation on your Account. As a result, PayPal retuned the Payments to the Merchant and we are declining your request for reimbursement. We recommend that you contact the Merchant directly for further information regarding the location of your funds. '' This is incorrect. After this response, which tells me to contact the merchant, I spoke with XXXX XXXX via a XXXX and DOT complaint. The refund was sent to Paypal in full and I have attached documentation to support this. Paypal is either deliberately lying to the CFPB or isn't actually researching the information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Company : XXXX Date : XXXX XXXX, 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.

Company response to consumer: Closed with explanation