BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: LEXISNEXIS
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:
Inaccurate stuff on credit report. Fraudulent activity, also reporting my credit score ithout my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-11-17
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XX/XX/10 i reached out to TransUnion, XXXX  and XXXX  regarding some unauthorized inquiries that i found on my report that they are publishing. I submitted an FTC Report and an identity theft affidavit which i got notarized. These unauthorized inquires are still showing on my report and they haven't been blocked or removed even after i said they are unauthorized and un permissible by 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 2023-04-27
Company: EQUIFAX, 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Wallace Management Company, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called Liberty Finance in XXXX Alabama today, to try and defer my payment just 1 month due to the Coronavirus outbreak and my job being at risk of shutting down temporarily. XXXX told me that they were not doing that and couldnt do anything to help me besides waive my late fees. This is a national pandemic. I am shocked. I have always paid my Bill 's on time and now when I need their help the most the company flakes on me and tries to get me to use the money that I've already paid and reopen another loan which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Notice of billing error ( XXXX XXXX XXXX ) Was sent of to Exeter Finance XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 

The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. XXXX XXXX XXXXXXXX ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. 
Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of XXXX XXXX  on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 

These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt XXXX XXXX XXXX XXXX. 
All debt obligations and securities are owed to the United States XXXX XXXX XXXX. 
they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail. So i am demanding for this to be remove off all XXXX my Credit Bureau before there was at fault in every way. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
The following inquiries are fraudulent and were not authorized by me. 
XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello I know I've filed a complaint already. You stated to reach out to IRS to recall this deposit. The IRS turned it over to the Bureau Of Fiscal and they have recalled payment and have sent information to Citi Bank numerous times. I finally spoke with Citi Bank and was informed that they are not responding to the Bureau of Fiscal. They have never tried to do anything knowing this was going in for almost three years now. There excuse now is the account they admit my deposit went into is now closed. They will not give me any more information and refuse to reach out to BUREAU OF FISCAL OF FISCAL WHOM HAS SENT PAPERWORK SEVERAL TIMES. The bank told me they are not liable because the account is closed. Well they knew about this long before the account closed. They are no help. I need them to answer the correspondence from the Bureau so I can receive my funds. I'm not sure what's this banks problem. The bank responded to you to say IRS RECALL THE PAYMENT NOW ITS RECALLED BY BUREAU OF FISCAL AND THIS MATTER IS STILL NOT SOLVED. I HAVE A ID NUMBER FROM BUREAU IF YOU NEED THIS PLEASE EMAIL AND ILL BE Happy TO SEND TO GET THIS RESOLVED. SEEMS THE ACCOUNT HOLDER KEPT MY FUNDS THEN CLOSED THE ACCOUNT NOW THE BANK STILL WILL NOT HELP EVEN AFTER THE BUREAU HAS RECALLED PAYMENT. THIS MAKES NO SENSE AT ALL. YOUR HELP WOULD BE GREATLY APPRECIATED THE BANK REACHED OUT TO ME TO GIVE ME UPDATED INFO BUT WILL NOT RESPOND TO BUREAU OR IRS

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 2017-05-09
Company: Nations Recovery Center
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are repeatedly, wrongly targeted for collections calls for an individual named XXXX XXXX. Our family has had this number for at least 14 years. We do not know XXXX XXXX. Based on an internet search, a previous phone number of his was close to our number, but he never had our number. We received these calls even when it was publicly available that he was in jail or prison. This demonstrates what little effort the collection company puts into finding the debtor. The number gets recycled and for years we have dealt with multiple recorded phone calls. It appears that the recovery companies feel no obligation to verify the currency or accuracy of the phone numbers before plugging them into their auto-dialers. Because they are recorded calls, efforts to talk to real people to correct the problem are fruitless. Over the past decades, I can honestly say that we receive more calls on our landline for XXXX XXXX than any single member of our household.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are over XXXX unauthorized inquiries on my credit report seemingly all belonging to financial businesses. These are not my inquiries. 

XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX ( XXXX inquiries made ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX I spoke with XXXX of XXXX XXXX and was told that I should call to dispute the inquiries as they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company 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 2023-07-08
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had submitted a payment via my banks bill pay system on XX/XX/XXXX. I called on XXXX XXXX regarding the payment not being posted on the account. The representative I spoke with suggested to dispute it via my bank if it had not posted, which I did. I filed the dispute but they denied the claim because I authorized the payment the payment they sent back was not the payment made on XX/XX/XXXX, instead it was made on XX/XX/XXXX!! They have no idea where the {$350.00} payment is or but will not return my funds!!

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 2021-08-02
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: Was not notified of investigation status or results

Complaint:
Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on or about XX/XX/XXXX my account was overdrawn. I froze it as there were XXXX XXXX XXXX charges on it that were fraudulent. Upon freezing it the bank blocked the child support deposit, but I stated I wanted deposit only -- which they failed to do. Upon doing that there were overdraw fees stapled with over XXXX of bank fees due to their mistake. I switched the monies over to different account. I tried to close it soon after, as I was getting notices again, of money being owed. On or about XXXX XXXX I had XXXX in that specific account. I called and tried to close it and they said it had a minimum of 6 months or fees would be put on -- I left the money in it ... now they are stating that I owe XXXX. XXXX with more fees -- and I have not used this account and it is still frozen. No monies should be taken out -- and no fees should be put on it. They have made so many mistakes, and I have spoke to numerous mangers and upper position bankers -- they returned and reversed monies more than once -- but continue to add fees and make mistakes. I believe now they submitted it to a collection agency. They are doing this with fraud and with mistakes it is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
duty pursuant to the FCRA, it is EQUIFAX 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 2 unauthorised Hard enquiries on my account which are XXXX XXXX on XX/XX/2022, XXXX XXXX on XX/XX/2022. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EQUIFAX any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TCF NATIONAL BANK
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX   XXXX  in  XXXX  Va  XXXX  (  XXXX  )  XXXX  pulled and sent my credit information to multiple banks not only without my consent but after I plainly told them I was working with them and another dealer and I wasnt letting either pull my credit until I saw who gave me the best offer. Well I had bought a car from  XXXX  a few months back and they evidently pulled my old application and used my information to do a credit pull anyway probably thinking theyd force a sale on me. I called them and asked them to remove these illegeal inquiries and they refuse. I have the text messages from them where I plainly stated they in no way had my permission to pull my credit and that they better not pull my credit. The next day my credit monitoring showed they still did it. I called and they told me I have to call the bank directly I did and this bank made it clear they work with dealers not consumers I want this company held accountable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief