BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
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: Account information incorrect

Complaint:
Subject : Complaint of Fraudulent Activity and Identity Theft I am writing to file a formal complaint regarding a distressing incident of fraud and identity theft that I have recently experienced. This fraudulent activity has caused significant harm to my financial well-being and personal life.

I encountered an individual who posed as an online seller offering a machine for sale. Under the guise of a legitimate transaction, this individual maliciously obtained my personal information without my consent. Subsequently, they used this stolen information to fraudulently apply for credit in my name, with the intention of funding the purchase of the machine.

To provide a brief overview of the incident : Initial Contact : I initially made contact with the individual, who presented themselves as a legitimate online seller offering a machine for sale. At no point did I authorize the use of my personal information for any purposes other than the intended purchase.

Identity Theft : The individual, however, misused my personal information, including my name, address, and financial details, to apply for credit without my consent. This act constitutes identity theft and a clear violation of my privacy and financial security.

Non-Delivery of Product : Despite the credit being approved, I never received the promised product. It became evident that the entire transaction was fraudulent, and the individual responsible for this scam has since disappeared, making it impossible to hold them accountable. 

Harassment from XXXX XXXX  : As a result of the fraudulent credit application, I have been subjected to harassment and undue pressure from XXXX XXXX, the credit card company involved. This situation has added to my distress and has had a profoundly negative impact on my life. 

The implications of this fraud and identity theft have been devastating. My credit profile has been tarnished due to the fraudulent credit application, and the associated consequences have led to significant suffering and hardship. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate actions to address the fraudulent activity and identity theft. Additionally, I urge the FTC to work with relevant authorities to locate and apprehend the individual responsible for this. 
My primary goal is to have the fraudulent credit report removed from my profile and to see the responsible party brought to justice. 

Thank you for your prompt attention to this matter. I eagerly await your response and any guidance you can provide on how to resolve this distressing situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So, I got an email from a email associated with XXXX XXXX subject was ACT NOW. It says apply for oncampus job flexible schedule. This was the email : It is a Flexible Opportunity where you will determine your working time. All the tasks are work from home/on campus job, you do not need to travel, you do not need to have a car to get started. You can be in any location and work from your home/school... APPLY NOW During this time that we are in, working from home would be great. Therefore, you have been offered a campus employment office Job Opportunity at the convenience of your home or school, which serves as a gateway to pay all expenses incurred on campus. And I applied for the job. Then, they asked me for my phone number. Then i got contacted from XXXX. The he elaborated the task. After that they send me two checks to deposit and asked me to XXXX  it. I knew it was scam then, I ignored it. But I got threatening calls from the local numbers. Then I became afraid and I XXXX  him. After that they never called. I try not to XXXX   but their calls were so disturbing and I am a XXXX. I don't know anything and I became afraid so. I called bank of america fraud claim department too and said it was a fraud transaction, please return back the money but they did not do that. 

Here is the id that I have XXXX  : XXXX XXXX : XXXX XXXX. Amount : {$900.00} Date : XX/XX/2023 XXXX checks that I got was of {$1900.00} total, {$950.00} each, which were deposited in XX/XX/2023

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 2023-02-27
Company: EQUIFAX, INC.
State: MD
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 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Maximus Education, LLC dba Aidvantage
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX AidVantage ( my former loan servicer was XXXX ) regarding refunding payments that I made after the pandemic was declared by the Federal Government in XX/XX/XXXX. I was told that I made payments totaling {$5600.00} during that timeframe and that amount would be refunded to the bank account that the payments came from within 4-6 weeks. 

Today, on XX/XX/XXXX at XXXX XXXX XXXX one day short of 8 weeks since I first contacted my loan servicer, I called to follow up on the status of my refund. I first spoke with XXXX, who told me that the refund would take around 12 weeks, which is more than double the time that I was originally told. After pressing her, she transferred me to another department so I could get the status of my refund. Once the call was transferred, I was told the refund would be via check, not to my bank account like I was originally told. I was also told that the refund was just processed today, but it would now go to t

he U.S. Treasury and it would take an additional 10-14 weeks to receive a check. This is unacceptable. In summary, I was lied to, mislead, and deceived. The refund should have been to my bank account within 4-6 weeks and I am now being told I will receive a paper check and it will take a total of 18-22 weeks ( 8 weeks for processing and 10-14 weeks for the Treasury to send the check ) .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2022-03-09
Company: Santander Consumer USA Holdings Inc.
State: AZ
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 had sent in a FTC report stating I have been a victim of Identity theft to XXXX XXXX XXXX they Deleted the account on XX/XX/2021 NOT ONCE BUT TWICE Santander Consumer put it back on my report 2 MONTHS later as it is a violation to me as a consumer such as it took more than 30 days for a response. The creditors only have 30 days to verify the account belongs to me as they did not meet the criteria IM ASKING THIS ACCOUNT BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT!!!!!!!!!!!!! 

The COMPANY IS IN VIOLATION AND NO FURTHER ACTION IS NEEDED AT THIS TIME!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Kansas Counselors, Inc.
State: MO
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 have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a " subpoena '' from a debt collection agency for my mother. They included what looks like a judgement for a case but we have never been informed previously about any of this. The " debt '' is from 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 for 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2019-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Yes I have a car loan through credit acceptance. I have paid on this car loan XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Through the mail. For as I don't trust this company with my bank account. My total car loan for each month is XXXX but every month I buy a money order for {$330.00} which is more than the car loan. I send it through XXXX every month on the XXXX because I am on XXXX and on a set income. They gave me a due date of the XXXX. I called this company and explained to them my situation. While I'm on the phone they are either rude to me a just blatantly lie. One gentleman told me he would up the payment to the XXXX yet when my bill came in it was still set for the XXXX. For the first three months I got no late fee and where I was paying XXXX I was knocked down to XXXX. Well come XXXX they tell me rudely on the phone I was over due. And rudely typed loudly and repeatedly insenuatuing that I need to be quiet. Exact words were " you need to hold on cause I'm explaining it to you. '' Then they was told you guys would be contacted and that's when the lady vigorously and loudly started typing and being very rude. The first three payment came in between 5-6 days and XXXX payment was over 11 days late. When asked why that was the lady rudely applied with the answer that they wasn't the mail carrier and that when the payment are received she can't help or have control on how long they are processes. I have read the reviews on this company and should have read them before the car loan but trusted a dealership would have not set me up with such a rude and hateful company. The reviews that show are true because that's what has happened to me. I need this car but I am terrified that I'm going to pay for this car and they pull another stunt like they've been pulling. I really need help.. 
Thanks

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 2023-09-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( XXXX ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX  and the Account number is XXXX should not still be showing up on my credit report. This account was open XX/XX/XXXX and the date of the last activity showing is XX/XX/XXXX. This account is way of the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took a an installment loan with American First Finance back in XXXX. I made all of my timely payments and when I called them to give my new card information they advised me it would be updated right away for my next payment for the following month. When the month rolls around and I notice that payment was not taken I called them to get issues resolved. I was told by a representative by the name of XXXX that someone would call me back with an update of why my account was not updated with correct card. As days went by I decided to call back and each time I called I was told someone would reach back out to me. It never happened and when I saw the company reporting on my credit report to XXXX I called American First Finance and requested they fix the issue and remove the negative late payments off of my Transuion report. They advised me it was an error on their part and update with XXXX. It has still not been updated and I ask to speak with a supervisor they never put one on the phone. I was told to send a dispute letter the company and they would research it and fix the problem. They sent me a letter stating they were reporting accurately which was incorrect. I asked then to listen to the calls that I made and they stated there were not any phone calls recorded. This has caused XXXX XXXXXXXX and preventing from trying to save our home because of negative account information. The company is located at XXXX XXXX XXXX XXXX, TX XXXX. If they do not update then I will seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXXXXXX

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 2022-03-09
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: Account status incorrect

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX MOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 for 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 non-monetary relief