BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
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: Personal information incorrect

Complaint:
I'm reaching out to highlight the erroneous personal information linked to my identity. Several accounts and transactions, which I neither initiated nor authorized, have been incorrectly associated with me, leading to considerable distress. I've fallen prey to identity theft and have promptly reported this incident. This situation has adversely affected my financial health and personal reputation. I urge your immediate assistance in removing all incorrect entries from my credit report and launching a comprehensive investigation. I stand ready to furnish any required proof and, if necessary, pursue legal avenues to defend my rights and obtain due compensation. I truly appreciate your swift attention to this pressing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,  2016   XXXX   XXXX   XXXX  submitted a bill to the credit bureaus in the amount of {$30.00} that I had no knowledge of and it also did not belong to me. I have tried disputing this account several times and nothing seems to happen. I 've also requested verification for this account which the company has not provided me with.

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 2023-05-01
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is in reference to CFPB XXXX XXXXXXXX. I appreciate Schools First Federal Credit Union to not ignore my inquiry. However I still feel the problem is not solved. Maybe I need to ask a direct question. Did the lady who administered our unsecured loan at your facility have what is called a ( DBA ) Doing Business As under the California Secretary of State please provide me that information if you don't understand what I'm talking about I will submit mine. If your employee who is conducting business in California doesn't have one then this contract is Voided. Also I would need a Financial Forensic Audit showing where the money originated from on this Loan. I have recently secured my All Caps Name with the Internal Revenue Service and now have Power Of Attorney of this Estate and I'm doing a little housekeeping. I would also like to know if School 's First Credit Union have paid taxes on the money you received from my Trust Estate and have reported it to the Internal Revenue Services. I will wait for your response before I have them looking into this loan. Thank You so much for your Cooperation. Also why didn't Schools Financial credit Union CFO respond to the Affidavit. An unrebutted affidavit becomes judgement after 30 Days. I want to peacefully work with schools to mitigate this situation as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On  XXXX   XXXX ,  2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.

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 2022-11-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
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. 

XXXX XXXX : # XXXX 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 explanation
Consumer complaint received 2023-05-02
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00}

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 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One, without any request by me, disputed an entire month 's purchases on my card ( {$6100.00} for the period XX/XX/18-XX/XX/18 ) after I had fully paid the balance. Even though the charges were disputed by an error on their part, no credit has been issued to my account as promised in the letter that notified me of all the disputed charges. 

My life, my business, etc. have been upended due to this situation. Things like my electric bill, wireless phone for each family member, XXXX XXXX, health insurance, XXXX account, XXXX account, business internet, etc. have been frozen or dropped due to the disputed charges each has received. I have had to pay most of these debts a second time by other means in order to keep my accounts working and my business running. It has been a nightmare!! A great example is my wife and daughter traveled from NY to XXXX last Thursday on tickets purchase during the time of the disputed charges. When they went to check in for their return flight on Sunday, the tickets were cancelled due to the disputed charges and we had to repurchase them at a substantial additional cost. 

I have spent more than 10 hours on the phone with Capital One trying to get to someone who can help resolve the situation. Each call I have been told that someone would call me back. I have never received a call. I have spent dozens of hours with angry businesses that I paid during that period who are irate that I charged back their payment. The situation is destroying my reputation and likely my credit score. 

At this point, Capital One has stolen {$6100.00} from me. I have paid them fully for these charges and I am now having to pay them all a second time to make the payees whole so that my life can continue. Capital One has received my {$6100.00} as a payment via wire transfer and clawed back that amount from payees through the dispute process. 

Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Every month I pay over {$700.00} to Titlemax!! I located my loan papers and I agreed to pay  XXXX !!! I never would have agreed to pay so much. They also have the incorrect name on the paperwork! I am currently  XXXX    XXXX     XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , TX. I continued my loan payments but now I am   XXXX   XXXX   and only receive {$400.00} biweekly. I communicated this to management who told me I was in default and up for repossession. I explained again that I am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . They told me there 's nothing they can do ... which I do n't believe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In a recent disput e. Trans Union stat ed the account were verified. how is this possible?   When the account was purchased by another lender. Which means the original creditor has not legal right to verify anything. What was your Method of verification?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
The tradeline for XXXX bank shows that the status is included in Chapter XXXX Bankruptcy, and this is a complete LIE, that i tried to resolve by going through Experian, and the results of my complaint came back with no change. This status IS NOT POSSIBLE!!!!!!! ..I declared bankruptcy on XX/XX/XXXX, and didnt even OPEN THIS ACCOUNT until XXXX,. The tradeline, in remarks even says for last update is XXXX, WHICH AGAIN IS NOT POSSIBLE, AS I HADNT OPENED THE ACCOUNT YET. This time either you delete the lie you perpetrated, OR WE ARE GOING TO COURT.

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 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to transunion, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX has the same info reporting to their bureau as well.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted the credit and agencies and tried to get them to remove unvalidated collection accounts and delete unknown names and addreses from my credit report, they have refused over and over and not even attemp to address my concerns.

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 2018-11-15
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem with Loan Depot. I mailed in a signed document for a program called Budget Tracker they keep saying they don't receive it when I have sent it twice now. Now I have to go to the post office and get a tracker on the mail for it. I just want you to know they are playing games like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NJ
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:
Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to XXXX requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX XXXX sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. XXXX did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to XXXX I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. XXXX wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score. 

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- XXXX XXXX XXXX and Equifax all have different dates opened reporting 2. XXXX XXXX, XXXX and Equifax all have different high credit amounts reporting 3. Last Date Reported-XXXX, XXXX and Equifax all have different last date reporting 4. Date Last Active- XXXX XXXX XXXX and Equifax all have different date last active reporting 5. Date of Last Payment- XXXX and XXXX have a different date of last payment reporting than Equifax does. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from XXXX, Equifax and XXXX Thank you ***All reports mentioned are were uploaded to this portal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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 have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I have a dispute with a fraudulent charge on my Wayfair Citibank credit card. I submitted the dispute and closed the card. They determined I was responsible for the charge. In the documents they sent me informing me I was responsible it included documents from the merchant where this purchase was made. In the evidence it shows it was not me who made the purchases. It was a different name and different address. The evidence is clear that the card was stolen and even shows the information of the person who committed the fraud against me. I have made many attempts to resolve this with Wayfair Citibank credit services and they continue to bill me for this fraudulent charge.

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 2023-01-13
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have a XXXX XXXX XXXX financed through California auto finance the vehicle has been sitting for a couple years now and I am in need of obtaining the title to send to a junk yard. The company is refusing to respond to any of my calls/ emails. I do not know what to do at this point as I have a vehicle sitting in my driveway that I cant do anything about because I do not have the title due to this company not being able to contact me back. 

License plate number California XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My credit report in inaccurate. I have missing employer information. I have a car with XXXX XXXX which is false. This was with XXXX XXXX XXXX XXXX XXXX. There is also the wrong information on my credit card for late charges when I am still trying to show the statements with overcharged repeatedly throughout the duration of having credit cards.the statements show all of the repeated same charges with the symbol next to ( & ) transactions authorization codes. There is missing charges with fees added then removed. The address to a XXXX XXXX XXXX  for the homeless is on the report. I was homeless but I did not live at this location they had me sleep the night in the XXXX XXXX XXXX IN XXXX. for several months. I was there XXXX XXXX shelter for showers in the morning only. I had to look for a social services job during the day. I was shuffled around till I was forced in XXXX shelter that's not on there or the XXXX XXXX. I was working in the XXXX XXXX for 6 months thats missing as well.it is a mess in my 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 non-monetary relief