BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Net Credit sends information out in the mail advertising loan consolidation and such. They offered {$9500.00} and ACH. On the initial conversation they set up a ACH. And it seemed fine. Just recently I was going over my credit report and noticed my principal has hardly gone down wit {$600.00} per month payments. 

I contacted the company and they sent me a contract for 64 % interest rates amortized for 60 months. With a total payout to them for {$32000.00}. I would have never agreed to this! There are plenty of normal products out there with reasonable rates. This is crazy! 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020

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 2020-02-08
Company: Cascade Collections LLC
State: UT
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:
On XX/XX/XXXX Company I had no knowledge of Cascade Collections was on my credit report. Account in this complaint was disputed, Cascade Collections could not meet the requirements defined by FCRA 15 U.S.C. 1681 so account listed in complaint was deleted from credit reports. See Credibility from XXXX  in attachment. 

XX/XX/XXXX Cascade Collections put account listed in complaint that could not previously comply with FCRA 15 U.S.C. 1681 back on credit reports. See Credibility from from XXXX XXXX in see attachment.

PROVIDE PROOF TO ME AND THE CFPB YOU FOLLOWED MY RIGHTS DEFINED BY 15 USC 1681 623 ( a ) ( 7 ) referred to as early warning notice '' WHEN YOU ADDED ACCOUNT IN COMPLAINT ON OR AROUND BACK ON TO CREDIT REPORTS XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reported XXXX XXXX as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. XXXX could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX. Im writing this to delete the following information from my credit file. The items that I am requesting to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charges or changes. I ask that these items be deleted and updated in order to correct my credit file and protect my consumer reputation. These accounts and inaccurate information has been causing me to be denied by lenders. I ask that per FCRA Laws that these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: URS Holding, LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the past two years the department of education has seized my tax refund for a total of over {$10000.00} towards my student loans leaving me homeless with a small child each time. First it happened in XXXX XXXX and now that I'm back home in XXXX, a city I left because I can't afford it, my mother 's eviction wasn't sufficient for me to get MY refund so I could move again. She was who I was staying with after I faced eviction from the last time my student loans being in default resulted in my tax refund being offset. 

I attempted to make an arrangement with Alltran to pay $ XXXX/mo to get out of default and they approved this aggreement for a month and then called me and said I needed three non family references, their phone numbers and addresses in order to be eligible for the default resolution program. After approving it and taking the first payment they said I was ineligible. I've asked Alltran for the transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account in question pertains to a XXXX XXXX Account number XXXX ( XXXX XXXX XXXX  BY XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 wrote a letter to Experian and requested for them to reinvestigate some inaccurate accounts on my consumer report the results came back as verified and accurate and remains the same. It's obvious they failed to make sure my consumer report is reporting 100 % accurate. XXXX XXXX XXXX is the name of the company with acct # : XXXX this account is a charge off account that is reporting a status of open and reporting an active ok payment history every month, the comments clearly say early termination so if the account is terminated how can it possibly be opened and reporting an active ok payment history every month. The second account company name XXXX with acct # : XXXX this account results came back as verified and accurate and remains the same, how did it come back accurate when XXXX is the original company and the status clearly say the account has been written off comments say purchased by another lender meaning they no longer own the account. XXXX and XXXX are no longer reporting these companies or the accounts on my consumer report these accounts should not be reporting on my Experian consumer report you are reporting false and misleading information Experian has failed to properly reinvestigate these accounts Experian are willfully noncompliance with the FCRA laws. These inaccuracy 's is a false misrepresentation of my credit obligation this has cause me mental anguish and anxiety and has been an inconvenience to me.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 do not recognize the following inquires on my transunion report : XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I have contacted transunion and the lender who was of no help removing these inquiries from my report and it is adversely affecting my credit.

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 2023-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. XXXX XXXX Inquiry from XX/XX/XXXX Finance 2. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance

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 2019-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Bank of America Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called BoA and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by Bank of America or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from BoA removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me 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 explanation
Consumer complaint received 2023-10-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had made three XXXX payments to a jewelry in the total of {$4000.00} for a custom made pendant which was initially supposed to take a week and is now going into over a month I havent been able to contact him for XXXX weeks now regarding update on my order since he has been unreachable a lot of stories of his fraudulent pass and current activities has been shared over social media by other victims of his scam he had even reached out threatening the victim to remove his identity from the social media post or no money or item would be returned to her which means he has been seeing all of his victims including me trying to contact him whiles he is quoted riding around drinking with our funds I had reported the matter to truist in which my claim was denied when I feel a chargeback should be made and my funds returned to my account. Truist has since issued a partial refund of {$1200.00} but denied my claim to have it reviewed again for a full refund

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 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against XXXX and Bank of America. On XXXX I received an alert that a hard inquire was made by Bank of America. I contacted XXXX because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with Bank of America. The following day I called Bank of America fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted XXXX and let them know that Bank of America could not see the inquire so they were unable to help me. XXXX started that they needed Bank of America to write a letter stating that the inquire was fraud. I investigated further on XXXX website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on XXXX website clearly shows the name and address which do not match my information. I was told by XXXX they could not help me without the letter from Bank of America. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that XXXX has the information on their own website showing it was not me and they will not assist me at all.

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 2019-06-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I got fired from a job that I was working for because of information that came back from a consumer reporting agency. I don't have any felonies on my criminal background so I don't know what is on there. I checked my Equifax report and there is much incorrect information ranging from auto loans, mortgage loans and personal loans. When I try to dispute this information online they give me a choice of business to choose from when they say around a specific time a auto loan or mortgage loan was put in my name. I have no idea who the company is and I choose none of above. After doing this the online system rejects my identity and I can't make a online dispute. But I'm telling the truth when I see I don't know any of these businesses that I'm suppose to have been given these loan. I don't know how they continue to keep this information on my record and I can't dispute it. I had a decent job and I'm very upset to have been fired and now receive no income. I was also provide a credit monitoring service from the IRS after they said that I had been a victim of identity theft and someone had gotten refund checks in the amount of {$4400.00} from the years of XXXX-XXXX.These people where in XXXX XXXX, GA and XXXX, TX. I was staying in a XXXX  XXXX so I could believe how the IRS would process returns from other states with my social security number.Since I have had the monitoring service I've still had problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking at my report lately and noticed credit inquiries that were not made or authorized by me. 

XXXX XXXX- XX/XX/2018 XXXX/XXXX- XX/XX/2018 XXXX XXXX- XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX XX/XX/2018

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 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
There is a hard inquiry on my report from XX/XX/2021. I did not apply for credit or do any financial transactions that would have resulted in a hard inquiry in the month of XXXX. I called CapitalOne ( the inquiry is from CapitalOne ) and they said that there was no activity that should have resulted in a hard inquiry for me. I have no idea where this hard inquiry came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX, I applied with Affirm for an order from XXXX but was denied. I do have a credit freeze but I lifted the freeze a day before. Therefore, Affirm had access to it stating they could not verify my identity. I have the same profile with Affirm with 18 accounts pay in full with a great pay history. Affirm providing false reasons to denied so the customer can not get an Affirm account. I would rather they tell me we can not at this time assist with your purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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