BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: NY
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:
To Whom it may concern, I am being hit with a hard pull inquiry from XXXX  XXXX on XX/XX/XXXX. This never happened and I never gave anyone authorization. For months now I have been trying to get this thing resolved. I was told write XXXX  XXXX letters which i did and write each credit reporting agency letters which I did also. It seems to me from talking to them on XX/XX/XXXX they are mixing up my XXXX  XXXX card that I have opened with whomever tried to open up a new card and gave them inaccurate information. This investigation has been way over 45 days multiple times now. I have sent letters and called XXXX  XXXX, XXXX, equaifax, and XXXX. It just keeps going around in a circle. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX I made consumer transaction to purchase a new car and was required to put a cash down payment which my consumer rights were violated. The contract did not disclose clear and conspicuously my rights as a consumer when entering the contract. Due to these violations I demand to rescind 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 2020-03-31
Company: Experian Information Solutions Inc.
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 would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX promised.

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 2022-01-31
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:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and 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 explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureuas once more, to remove the remaining accounts completely from my Credit file. This CFPB complaint will be my 3rd attempt to inform the Credit Reporting Agencies that I was a victim of identity theft and I am submitting this Complaint to dispute certain accounts in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Here is the list of accounts that should aloe be removed completely from my Credit report : XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}. I am grateful for the Credit Bureaus actions to remove some of the disputed accounts from my Credit File. However, I am in need of their help to remove the remaining accounts from my Credit report once and for all. I am submitting this CFPB complaint pursuant of the Fair Credit Reporting Act section 605b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. These have been rough times during the covid 19

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy.

TransUnion is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Under the 15 USC 1681b ( a ) ( 2 ) TransUnion did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer 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 2022-01-31
Company: Navient Solutions, LLC.
State: WA
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 took parent plus loans for my childs schooling and ended up consolidating them and Navient ended up with the loans .I contacted the Navient several times during repayment about the payments not being applied to the balance.I recently decided to look at the life of the loan and contacted a Navient Advocate about payments made that were not for the right amount applied. 
Because of this I had late fees for the life of the loan. 
The payments were short more than 80 % of the time. 
The payments showing were always different than the actual payment only a few were correct. 
I made a large payment to pay off the loan accounts because the balance was increasing substantially from fees and never having a reduction in the original amount loan amount. 
I noticed the payment was shown by the advocate as being {$6000.00} Short. 
I am frustrated and want a refund of the overpayments I made. 
The amount is a lot not including the extra fees tacked on. 
This needs to be addressed it has created a lot of hardships for parents and students. 
Education is very important to the future of our country to prevent our economy from having the problems that exist currently. 
Support the education system and dont create hardships for families.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: MI
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 contacted Experian and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for murder, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my XXXX XXXX and it shows it like this on my birth certificate. I contacted Experian 2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my Experian credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to Experian, their customer service is horrible.

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 2021-11-23
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Complaint summary : On XXXX XXXX, I paid in FULL the amount of {$530.00} for per day care services for my pet dog. 
Start date : XXXX XXXX End date or good through XXXX year. 

Issue : On XX/XX/21, XXXX XXXX  ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. 

MY Actions taken in an attempt for resolution : XXXX : Called AMEX and they refused both to initiate a Dispute/Fraud claim or to credit to the account as they claim this case falls under subscription services but the argument here remains as outlined below- services PAID IN FULL but NOT rendered. 
Supporting evidence attached/included : XXXX call to Amex XXXX Amex Feedback request to me XXXX Merchant email to me notifying clients of Business Closure ( merchant refused to answer phones ) XXXX : Merchant notice of business paused ; advising clients that they were paused but would reopen. Note : but the merchant did NOT reopen, and instead, notified their clients of their permanent closure XXXX XXXXays later on XXXX XXXX : Merchant notice of Paused Business from Merchant Website Applicable regulations : XXXX  The merchant knowingly engaged their customers such as myself in Unfair and Deceptive Acts and practices XXXX XXXX  ) for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with XXXX XXXX for billable dispute. 

Desired resolution : Reopen this CFPB Complaint ; Original CFPB Case : # XXXX Reforward this case to AMEX XXXX XXXX AMEX XXXX XXXX XXXX XXXX Pull/listen to the call between myself and your frontline Customer Service Agent dated XXXX XXXX 
XXXX This is an Amex credit card therefore I am not protected by traditional XXXX XXXX XXXX  guidelines so please kindly peruse this clearly outlined case in its entirety and champion a win on my behalf with the below resolution. 
Issue Full refund back to my credit card totaling {$530.00}, pursuant to the XXXX  above. 

Next steps : In filing this Federal complaint with your CFPB portal, I have taken similar action with the XXXX XXXX XXXX XXXX XXXX XXXX, the Nevada  Office of the Attorney General, and am prepared to share this story of consumer fraud/scam with the Local channel XXXX Action news to shed light and awareness to other innocent consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-12-05
Company: Continental Finance Company, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 2023-12-28
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:
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 Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 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 2023-08-03
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:
There is an account on my credit report from XXXX XXXX. I never opened an account with XXXX XXXX. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX XXXXXXXX Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.

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 2023-08-03
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: Account information incorrect

Complaint:
I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: KS
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:
inaccuracy and incompleteness were found on the accounts i place on the letter including unauthorized inquries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Data and Contact Management Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Father passed away in late XX/XX/2021. I notified XXXX and asked for them to transfer his line to my personal bill in early XXXX. XXXX kept attempting to bill my father even though it was acknowledged two times via chat w/ XXXX that his line is billed to my personal bill. 

1 ) You can't get a human on the phone at XXXX as the wait times are over 30 minutes 2 ) They now turned the account over to a collection Agency called DCM 3 ) DCM told me that don't have the authority and it would take another month to research after I asked them to validate the balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received two books of starter checks from TD Bank, I NEVER requested an account from TD Bank, the checks have my home address but an old phone number. I have NEVER had an account with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: IL
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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