BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: SC
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : 1 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020 ; 2 ) XXXX XXXX, Inquiry Date : XX/XX/2020 ; 3 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: Experian Information Solutions 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:
I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2022-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE PHONE NUMBERS DO NOT BELONG TO ME ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX THESE EMPLOYERS ARE NOT MY EMPLOYERS REHABILATION CENTERJUPI THE REHABILITATION CENTER REHABILITATION AT XXXX XXXX  XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your in

vestigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXXC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an online savings account at Chase.com. Chase opened the account, and then instructed me to fund the account with {$10000.00}. I set up the ACH on the Chase.com website. Chase sent me a letter telling me that they had denied the transfer. I was instructed to call Chase. I called Chase at the number listed in the letter. The agent was unable to tell me why they had denied the ACH transfer. I asked the agent if there was some type of fraud involved. He said he couldn't tell me. Something fishy is going on at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TD Auto Finance account has inaccuracies on the date these accounts were open on and closed across the XXXX and XXXX bureau. According to the fair credit reporting act I have the right to dispute any inaccuaries placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: AR
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 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 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 Bank 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 2021-09-09
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage company : Selene Finance loan number XXXX. I suffered severe financial hardship due to COVID 19. I am the care provider to my mother XXXX XXXX that is hospitalized due to XXXX and just had her XXXX XXXX My husband is XXXX XXXX. 

On XX/XX/XXXX I send an application for loan modification ; I call every other day and I am told it has not been received. I fax, email and mail documents and the mortgage company tells me when I call that my documents are not received. On XX/XX/XXXX I resubmitted requested paperwork for my application and I called and was again told not received. On XX/XX/XXXX I was asked to submit attached documents and I called XX/XX/XXXX for an update was told documents not received. Immediately resubmitted documents. I send requested documents to 2 departments given by Mortgage company XXXX and customer XXXX. 

My loan was transfer to Selene Finance and XX/XX/XXXX was paid I also trying to clear this pay net made with them because they are reporting XX/XX/XXXX as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Brown and Joseph, Ltd
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is the complaint description I filled : On XX/XX/2023 XXXX ( Account Manager ) Reached out to XXXX XXXX ( Spouse ) in the attempt to get a hold of me ( XXXX ) of XXXX XXXX XXXX regarding a a business debt for XXXX XXXX XXXX. 
During this reference call XXXX violated multiple FDCPA S.804 Paragraph 1 and 2 S.805 Section B Without any authorization from the primary account holder, XXXX released sensitive information to a 3rd party regarding a business matter. Which includes Brown and Joseph an Attorney Office Calling to collect a debt, Amount for Debt {$35000.00} Tax Periods they are collecting for and File # XXXX Furthermore, I attempted to reach out and speak with her supervisor regarding the matter. XXXX XXXX on XX/XX/2023 XXXX XXXX. 
Where XXXX refused to acknowledge any wrongdoing by his team stating FDCPA does not apply to them and that Brown and Joseph are at will to disclose this information to whoever they need to in order to collect on this debt. XXXX then proceeded to ending the call because he deemed the call " Unproductive '' and refused to allow me to speak to anyone else regarding this complaint. 

Their lack of training from Brown and Joseph has now caused a personal conflict between XXXX and I due to a business matter that did not concern her.And our marriage is now in question due to their harassments and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The account that I have disputed was closed and charged off a few years ago. However, the credit bureau is still reporting as if it is still a open account and in negative standing. This needs to be removed and stopped. This was 4 to 5 years ago XXXX XXXX XXXXs being allowed to negatively affect my credit history at all XXXX bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: Liberate Debt, Inc. 9156
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XXXX XXXX  - Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Is a company that claims they " validate your debt '' with the creditor and they settle the debt you pay them to do so. I paid them {$12000.00} to help me settle the medical debt I was being sued for ; credit card debt ; and a couple of loans. 

I want a refund of 3 payments of {$2500.00}. and 1 payment of {$2400.00} ( total {$12000.00} ) as stated from the money you collected from me. I am in the mortgage industry and had a colleague review my credit for home and disputed accounts have not been resolved but are hindering the opportunity in purchasing a home ( from 2017 ). These accounts have just been charged off and you are making money for doing nothing on my behalf. I expect my money to be refunded in FULL immediately. 

It has been over 3 years since I paid the last installment to them and nothing has been resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I got a car with Americas car mart in XXXX, Mo XX/XX/2022. Ive had nothing but issues with the vehicle since I got it. It took them a year to fix my heater. Ive mentioned other issues and they dont even want to address the issues. I paid extra on the loan to add a service contract that is close to expiring. The car is only valued at around {$3000.00} and by the time Im finished paying the vehicle it will have paid XXXX or XXXX on a car that is literally falling apart. The car is going to end up breaking down before its even paid off. This company is crooked and severely over priced on their inverntory. They made me feel as though I was getting a deal but I have not. Not even a month into owning the car I had to replace all the tires on the car, the muffler is going out, the engine/transmission is slipping and half the time the car doesnt want to crank. I no longer want the car and I feel if I try to return the car they will fight me on it. I have already been cheated out of plenty of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up my US bank checking account on XX/XX/2022. I was offered {$500.00} when I had direct deposits totaling {$6000.00} or more into my new checking account. I contacted US bank on XXXX XXXXThe bank rep XXXX told me that I met the bonus requirements and that I would get my bonus within 4 weeks. XXXX told me if the bonus was not automatically applied to my checking account then it would be manually given if I called back. I did not get my bonus and when I escalated it to customer service on XX/XX/XXXX I was told that I did not meet the requirements. I asked to speak to the manager and I was told I would get a call back within a few days. US bank never called me back. Not only did I not get the {$500.00} bonus as promised, the manager never called me back to show that they cared about the matter or wanted to reach a proper resolution with me. I have multiple products with US bank and feel they have disrespected my time.

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