BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: EQUIFAX, 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:
Upon being denied from a lender for " too many inquires '' on my credit reports, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on credit reports that I DID NOT authorize and had no knowledge of. I contacted the credit bureaus immediately and was being given no resolution. I also tried putting a fraud alert on mt account which should ensure this issue is n't a re-occurrence. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     I have attached Inquires listed on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Affirm Holdings, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a XXXX XXXX in XX/XX/XXXX. I paid the loan off in XX/XX/XXXX. XXXX issued a voluntary recall of the product for a full refund. My return was processed via Affirm, since I financed my purchase through Affirm. The refund was received by Affirm on XX/XX/XXXX, per their online system. They issued a partial refund but there is a remaining balance of {$4000.00} that hasnt been returned to me. Attempts to get the rest of my refund havent been successful. Affirm states that refunds via check will take 21 business days. There is nothing on their site that says it will take 21 business days to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX account number XXXX opened XXXX FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2023-06-01
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 information incorrect

Complaint:
I called XXXX XXXX XXXX and they said the loan amounts are correct but when you look at the XXXX, Experian and XXXX website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.

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 2021-06-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated the transaction on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX which is intended to send to HSBC XXXX XXXX, but it was accidentally sent out with the wrong swift code " XXXX ''. The problem was quickly identified, and the transaction was halted. The money is currently holding at XXXX XXXX HSBC USA for more than 30 days. I have provided an amendment to reroute the money back to HSBC XXXX, and it was also confirmed by HSBC USA, that the wrong transaction has been canceled The fund bank XXXX XXXX XXXX  XXXX XXXX has also sent several follow-ups and chasers to HSBC USA, but there haven't been any moves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: DE
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 accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 usc 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly.

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 2021-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Two months ago, I received a banking statement from USAA that had been delivered to my former XXXX XXXX, XXXX  address. The gentleman who now lives there gave it to the mail carrier and the Post Office forwarded it to me. I then forwarded it to USAA Federal Savings Bank so they could fix my address. Here it is XXXX, and again a statement went to my former XXXX  address. I have sent emails and street mail to USAA - they continue to ignore the fact that I now Live at XXXX XXXX  XXXX XXXX in XXXX, XXXX  : thus my need to file a Complaint with CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-10-15
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove my extended fraud alert, consumer statement and security freeze.

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 2021-06-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The credit bureaus are refusing to give me my reports. All my consumer reports, XXXX  reports, and IRS transcripts show someone else has veen usi g my name and social with incomes, taxes, insurances, XXXX, medical care, and now they are refusing to send me my reports. I have a ton of breach reports and now XXXX XXXX for my tax acxountant breach and still not being given my repirts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Around XX/XX/2023 someone open an account under my name. They close my previous account and open a new one. I went to the bank because I received a debit. The debit card cant activate because it was not registered to the system. 

XX/XX/XXXX I received a letter from back of America that I open a Credit card and its not approved. My credit decrease XXXX points.

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 2023-04-10
Company: VW Credit
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I recently applied to Audi, for a lease.. I have an applied in the past before. This time the representative at the dealership said that Audi doesn't want to do business with me and has me block and will continue to keep denying my application. I have yet to receive any correspondence from the Audi financial. I believed because I applied in the past in the reason why they are denying, initially when I applied years ago I had some credit issues related to fraud. I have recently removed all negative and derogatory information that was reporting. I have been to court on this issues, filed numerous police report to prove I was a victim of Identity theft. 

Audi I belive is now discriminating against me. XXXX I qualify to lease any car, and income I qualify there as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How does a dealership and respond and days Audi financial does not want to do business with you .... I have the recording of the sales rep saying this to me .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX inquired XXXX XX/XX/2022 and XXXX XXXX XXXX XXXX XXXX  , Used XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 
With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items 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 2023-07-30
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Was auto renewed without advance notice for a one year subscription for {$490.00} to a publication called XXXX XXXX  When I notified XXXX XXXX  i did not want another year of publications I was told that I would have to wait a year to cancel. 
When I tried to dispute the charge through American Express I was informed there was nothing they could do on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax allowed several inquiries on my report that were not authorized as required by Federal Law. Equifax aware they mixed my name and social security number with another person and refuse to fix the accounts mixed and inquires. By law any unauthorized inquiries and fraudulent accounts will need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In a previous complaint ( ID : XXXX, please see ID for additional information ) I had requested that Experian delete my account such that I am unable to sign in. Yet again, as with my previous experience with their customer service, I am misunderstood. I understand my free membership benefits were discontinued. That is not what I had requested. What I want is to not be able to sign in to my account online AT ALL, as I can still sign into my account and request actions such as freeze or unfreeze my credit. I do not want online access using my email whatsoever, as if I had never signed up 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 2023-08-02
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX XXXX. I opened a checking account with the U.S. Bank and deposited of {$15000.00} on XX/XX/. When I opened my account, I did not include " XXXX '' as part of my middle name as I remember it shows optional on the registration form online. My account with the U.S. Bank is under XXXX XXXX. The U.S. bank closed my account on XXXXXXXX  and sent me a letter explaining that they believe the account was opened with someone's else name and personal information. My fund of {$15000.00} is now being held indefinitely by the U.S. Bank on their hold over account. The fund was deposited using my XXXX XXXX account which is also under my name. I have since spoke to them twice about the account with their Customer authentication and Fraud Experience ( CAFE ) Department who originally sent me the letter about the closure of my account. On the first encounter on 07//21//2023, I spoke to XXXXXXXX. She mentioned that the fund is being held because they can not verify the identity of the account until I sent them the copy of my Driver 's license and Social security number to their email provided which is XXXX and she provided me the reference number for it XXXX. I sent them both of documents requested through email. Today on XXXX, I called the CAFE department again to ask about the status of my fund, the first customer service said they could not find anything about the fund being released, so I asked to speak with the higher up person. I spoke to XXXX XXXX from the CAFE department of the U.S. bank and she now mentioned that the fund will be held indefinitely because they can not verify the account. I asked her what I can do to show that the account belongs to me, and she said there is nothing else she can do to release the fund. I have provided all the documentations needed to show that the account belongs to me. I even provided the copy of social security number which is the same I used to open the account. My driver 's license shows my correct address and date of birth. I really needs help to have my fund released. I can provide all the documents needed.

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 2021-06-20
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 am re-submitting this complaint. XXXXXXXX XXXX sent me a letter XX/XX/2021, stating this trade line to be removed from my credit report. As of XX/XX/2021 it is still on my credit report. Even after Experian stated that they removed it from my credit report. I am submitting proof of everything.

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 2021-06-19
Company: EQUIFAX, INC.
State: DE
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 account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine Weiner has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I requested a copy of my credit report and to see that there were accounts that didnt belong to me so I contacted my bank and had them to freeze my accounts until further notice

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 2023-03-29
Company: EQUIFAX, INC.
State: PA
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation