BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NC
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2019-11-20
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:
As I stated I have attempted to get in touch with Experian a numerous times, and it seems like all of those attempts to even try to open up a case were ignored. They never followed up according to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See  Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a )  There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR EXPERIAN TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.

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 2023-02-03
Company: Elevate Recoveries, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received calls from phone number XXXX from a woman calling herself " XXXX. '' I have asked her not to call my number because she has the wrong person. The phone number was spoofed because the call did not go through after trying to call the number back. All of their listed numbers are fake. She was rude, continued trying to get personal information, and stated that she was calling from Elevate Recovery. She called again at XXXX pm on Friday, XX/XX/2023. I asked her never to call this number again, to no avail. I want all communication and harassment stopped.

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with Fair Credit Reporting act XXXX Account was open XX/XX/2022 auto loan is report a late payment, that has violate my rights and that is wrown. 15 U.S.C. 1681 Section 604 A 2 IT ASLO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A WITHOUT MY WRITTEN INTRUCTION, can u take that from my credit please. Also have a bunch of inquiries is no my pleases take that out of my credit thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: TN
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We started having issues paying our mortgage online in XXXX of XXXX. In XXXX my payment was reversed, which I was not aware of until the end of the month. I had seen it pend in my account and assumed it was processed as it always has for the last 4+ years since no account or banking information had changed. When I called to inquire why my account was showing past due, I was told to contact my bank since they reversed the payment due to not locating the account. The lady I spoke with told me they would put a hold on my account while we sort this out so that I wouldnt incur late fees or get sent to collections, that was a lie. 
When I reached out to my bank, they showed no record of this. I did find somehow my account numbers had been changed on Calibers end to a number I did not change it to or recognize. After updating the account information to the correct numbers, I attempted to make a payment again with my checking account as I always have and it pended again, but, this time I watched it and saw Caliber showed it reversed again even with accurate routing and account numbers. I then tried paying with my debit card. I saw this money removed from my account so assumed the issue was resolved. When I logged on to find tax paperwork and make a payment, I saw that Caliber shows this as reversed again, however, this money was still missing out of our account. I had to work with my banks fraud department to get this money back since Caliber couldn't tell me where it went. I've tried making 7 payments in the last 4 months and only two have applied. Twice my money has gone missing even when shown " reversed ''. Their website is also misleading. When I log on it does not show the accurate information on payments or how many are missing. It currently shows we are only missing 1 payment from XXXX when I believe we are technically missing 2 at this point since it's been 5 months now and only 2 ( hopefully 3 ) have actually processed. The 2 that have processed were paid in the same way I have attempted to pay 5 times, which is the way we made payments the last 4+ years.

Caliber has made no effort to help resolve this issue. I've tried their service line, I submitted necessary documents for an " account review '' which was 8+ weeks ago and I've heard nothing from Caliber. I've even tried going to a physical location, but no one was there and they won't return my messages. This is an issue on their end that they won't help us resolve, instead they have sent us to collections and threaten foreclosure when we have been trying everything on our end to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: CT
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX 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
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I accordance with the Fair Credit reporting act, the following accounts listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, the Chime app notified me of XXXX charges of XXXX and XXXX at XXXX XXXX XXXX in XXXX, PA, on my checking account using my debit card while i was at work ( In XXXX XXXX, PA ) totalling XXXX. I checked my wallet and my debit card was in it, making this impossible. I immediately cancelled my debit card knowing that someone had my debit card number. No more than an hour later, I put in a dispute on both charges on my Chime app, in which I stated that I was at work with my debit card. On XX/XX/XXXX, I received an email stating that my dispute was denied because both charges were authorized. I called Chime member services the same day, and they stated that I would need to start a rebuttal and provide " more details ''. On XX/XX/XXXX, I responded via Email with more information. I provided an incident report from the XXXX XXXX Police Department, and the merchant location and information provided to me by the XXXX XXXX XXXX XXXX Department. The XXXX XXXX XXXX Department refused to release any charge or footage without law enforcement authorization. The XXXX XXXX Police Department has XXXX officers on duty and still has not called Redners to this day. I provided Chime with enough documentation that my debit was used without my knowledge. On XX/XX/2022, after XXXX weeks of phone calls with Chime XXXX XXXX, I closed my account and still have not been given the {$290.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 non-monetary relief
Consumer complaint received 2021-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I applied for a new Capital one card and was approved. It had a promotion that if approved and it was either {$2500.00} or {$3000.00} that had to be charged within 90 days of account opening to be awarded XXXX pts to the Venture card. I spent beyond those amounts in 90 days and have not received my award XXXX award points. I called right before XXXX and the customer service rep from Capital One did the math while on the phone and saw I had met the minimum purchase qualifications and the time to award the points had past. She supposedly escalated the matter and a supervisor needed to look at it before my points could be immediately awarded. I was told I would be called by a supervisor in 4 days and my points would be awarded in 7. I have heard nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries. 

XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 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

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 2021-08-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My identity was compromised. I think it started from XXXX XXXX XXXX XXXX. My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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 already notified Comenity Bank that this credit card was opened without my knowledge or consent. I don't know nor ever had the account number and the fraud department would only give me the last four numbers which are XXXX. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a XXXX XXXX  / XXXX XXXX and I have had to file for divorce because of this. I have been severely and maliciously defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX has even recognized this and deleted their XXXX entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 non-monetary relief
Consumer complaint received 2019-11-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, 15 US C 1681a ( 2 ) ( B ) right of exclusions and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Requested on several occasions they remove incorrect information on my report. These are the dates and corresponding report numbers. 
Report # XXXX, dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ;  report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX. I 've attached the USPS certified mail stamps.

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