BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of 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 a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

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 advers item of information, other records of convictions of crimes which antedates the report by more than seven years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received an email from this company stating I was denied credit with their company and I did not apply for credit. They had all my personal information and I would like to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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:
I have contact Equifax numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, Equifax and XXXX  still report the accounts. Also XXXX XXXX closed the account on behalf of XXXX  cause because I sent the proper documents to prove it was an fraudulent account, Equifax still list this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tired to write Midland Credit Management several times regarding a debt they said I owed. I have asked for the original signed agreement and/or contract from the original creditor to be sent to me. I have also requested them to provide the last statement from the original creditor and have not been supplied that either. They have not done anything but continue to send statements saying I owe XXXX and this number has changed numerous times on my credit reports to XXXX then XXXX several times. Wrote a letter with this request on XXXX and prior times but would need to go through records more to find the additional dates, but with this request I still get statements only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
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 # XXXX, Account # XXXX, Account # 15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 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 2019-10-31
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 am a victim of identity theft, my information is being used illegally for a mortgage and refinancing on a home that I am not responsible for which is clearly stated my the judge

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2023, I requested a pre-approval for mortgage with XXXX XXXX On XX/XX/2023, over 20 banks called and texted offering mortage products and also have calls from overseas ( XXXX ). Few banks reported that all my information was provided by TransUnion. 

Ive tried calling and texted Trasnunion, but no response. I proceded to enter my information in the Opt-out service and early in the morning in the non-call but still receiving a ridiculous amount of calls and very aggressive as they do not understand this calls are unsolicited.

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 2022-09-03
Company: ONLINE Information Services, Inc.
State: OK
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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. *

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft, my information is being used illegally for a mortgage and refinancing on a home that I am not responsible for which is clearly stated my the judge

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 2023-08-14
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX, I asked XXXX for an auto/home owner insurance quote. They proceeded to increase the quote by 100 %, after which I immediately cancelled. I had not dropped my old coverage, yet they had debited my bank account on XX/XX/2022 {$160.00} - Property and Casualty, XX/XX/2022 - XXXX Home Owner. Upon cancellation, I received a credits from XXXX on XX/XX/2022 for {$140.00} and {$77.00} on XX/XX/XXXX. To my surprise I began receiving constant calls from XXXX XXXX  a few months later XXXXXXXX XXXX time frame. I contacted XXXX, who told be there was an issue with backdating in their system therefore there was nothing they could do. I forwarded documentation to CSC on several occasions ( at least 3 times ) and spoke to them at least 6 times, to no avail. I provided them with proof of insurance to show I had not dropped my coverage, although XXXX withheld money from both policies. CSC did nothing but state this is what XXXX reported and there was nothing they could do. XXXX wouldn't get involved, CSC wouldn't perform any research, so they reported me to the credit bureau for an {$86.00} charge. I have perfect credit and I now have a collections through no fault of my own. No one will listen or assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: LEXISNEXIS
State: MO
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:
I have a Security and Freeze with Lexus Nexus they shared information with XXXX credit bureau and XXXX credit bureau does not fall into the category of any of the entitled categories allowed to receive information when a security freeze is on your account. in fact while on the phone with Lexis Nexus I was told by XXXX employee ID XXXX verbatim we can not stop the sharing of information with credit bureaus they are not included in security freezes we are not aware of how or when information on a person with a security freeze is obtained. This is a direct violation of information being shared in accordance with who is allowed to get information while a security freeze is in place. credit bureaus are not entitled to information they do not fall into the criteria of employers insurance companies Or others defined on your website. LEXIS-NEXIS as well as XXXX have both refused to provide to me with a written information as to where they received verification of the information that they have placed on my credit report this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX adhered to my demand of removing capital or from my consumer report then a few days later placed it back on as verified. I was never given further information as to how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY ALL ALL REPORTING FROM CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Account status incorrect

Complaint:
Hello, the XXXX quoted the credit report score at XXXX, this, with two collections and a ( n ) written off/charge off indicated on the credit report. The XXXX is indicating a ( XXXX ) XXXX with no collections and no charge-off/written off. I'd like the XXXX, Equifax and XXXX notified to uplift the score given the current status of the erasures and deletions. XXXX, I'd like a score legible for the credit cards ', etc.. 
Thank You! XXXX XXXX XXXX XXXX XXXX XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX of XXXX, I was taking a look at my credit report and I noticed a collection account from debt recover solutions in the amount of {$1200.00}. I tried reaching out to them to the phone number I was provided by XXXX but no one answered. I have not received any written or verbal communication on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Navy Federal Credit Union, without notice to its customers, ceased crediting accounts with deposits from check under XXXX XXXX dollars. Furthermore, they have delayed deposits more than one processing day as per their agreement. I have also found that they do not reverse or seek to assist customers with debits that are in error. Most recently, NFCU allowed for a canceled set of payments to disrupt my bank draft that has been processing for more than two days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a bank of america checking account ending in XXXX. Which I wanted to close. But every time I call there is too much long hold. Once i was able to get hold of a person on phone but the phone got disconnected in between. 
Please close this account as I don't need it. 
Moreover please have chat and secure mail option to do 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit Bureau fails to provide method of verification. On (XX/XX/2021 ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification onXX/XX/21. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.

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 2023-06-20
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased a prepaid Vanilla gift card on XXXX day ( XX/XX/22 ) the next day we went to use the card and it was empty. When I checked the balance online, it was used somewhere else in the state. I filed a complaint and did everything they asked me to including send a photo of my ID and all sorts of things. They said I had to wait 3 months and I did. I called again after 3 months and they said they mailed it and it would be here on XX/XX/XXXX. I waited and it still did not come. I have emailed and emailed and emailed and have gotten XXXX response. I've called and waited on hold for over 35 minutes. The last time I called they said that the case was closed because I already received a new card. I told them I HAD NOT. They said they would send another one and here I am waiting AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: Credit inquiries on your report that you don't recognize

Complaint:
In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager.

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.

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 2022-09-03
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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank 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
Consumer complaint received 2019-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened unbeknown to me with XXXX XXXX and it was sent to collections. My father who had all of my personal information used it to create several credit card accounts and I have been trying to remove them. I have disputed the record with XXXX but have not seen any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 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