BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Purchased a shoes from XXXX. Received a damaged product and requested a manufacture defect item return process which was non-responsive from adidas. They are avoiding to honor their " manufacture defect item '' return policy. 

Disputed a charge with Capital One, submitted pictures of the manufacture defect product along with the receipts and order confirmation and it was denied twice for " insufficient evidence ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX , XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-04-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Explanation of Disputing : on XX/XX/XXXX I went to XXXX XXXX to get some XXXX XXXX I only had an XXXX and an XXXX but they could not do any other work because i had a XXXX XXXX and needed to take XXXX before any XXXX is done. My insurance company ( XXXX ) had been billed for the services of that date. They also billed and overcharged my Wells Frargo credit card for the same services that were not completed. I reached out to Wells Fargo to file a dispute on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I received a letter stating that they did not have enough information. I explained and attached all my supporting information to Wells Frago and I have also attached the support information/explanation to this dispute. According to my insurance provider my out of pocket cost should have only been {$61.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was made by a family member that used my social security number. when I first learned of the debt I contacted the collection agency and they told me the debt was in the family members name but my ssn # and work information was used and now they are saying the debt is in my name and that information was not told to me, I asked if they would provide a copy of the actual document and they said they could not ... I've never lived at the address where the debt occurred I lived at the address prior to where I live now for 7 yrs never late with rent always paid on time or days before. Thank you for your time and help with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX  XXXX NA Inquiry : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized 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 2023-10-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Re Costco Citi Visa : On XX/XX/23 I accidently missed XXXX on a XXXX XXXX statement balance. ( I paid XXXX of the balance ). 

On XX/XX/23 I realized the error when my XXXX statement showed an interest fee of XXXX. 
I called Citi and the rep said due to my exceptional payment history, he would credit back the XXXX. I immediately paid the overdue XXXX as well as the current charges on the XXXX statement. 

On XX/XX/23, I noticed on my XXXX statement that all of the above listed payments were accounted for and paid on time. Yet now I am charged another XXXX interest charge. 
I called Citi and talked to a rep and the supervisor. They both said that I would always be charged 2 months interest on a missed payment due to " residual interest '' and that their computers will not let them do anything about it because I already had the XXXX waived. This is regardless that I had made all payments on time. 

So in summary, Citi is charging me XXXX interest on a XXXX delinquent payment that was supposedly removed a month earlier. This sounds illegal to me, or at least it should be.

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 monetary relief
Consumer complaint received 2023-04-30
Company: Block, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I lost both my phone and my Cashapp Card on Saturday XX/XX/2023. I left them at a store. I was able to retrieve them in XX/XX/2023. Before I was able to get both back, two purchases were made - XXXX  XXXX for {$64.00} on XX/XX/2023 and one at XXXX for {$37.00} on XX/XX/2023. Neither of these were authorized by me and I have not shared my credentials with anyone or given anyone permission to use my card or account. Cashapp has denied my dispute for XXXX  XXXX and I am waiting to hear about the XXXX charge. I have asked support for the documentation used for the denial and am waiting to receive it. 

These were unauthorized transactions and I expect to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made of a material basis, representation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information relevant to me as a consumer nor were these items related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I AM asking and block and remove these transactions being reported to my consumer report within four ( 4 ) days of the receipt of this 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 2020-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Company denied modification because they couldn't reduce principal and interest. However after receiving copy of denial we clearly see principle & interest would be reduced with a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dispute hard inquiries One Main XXXX XXXX XXXX XXXX XXXX XXXX These arent mine need to be taken of pls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: World Acceptance Corporation
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Exeter Finance Corp.
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: Card was charged for something you did not purchase with the card

Complaint:
I submitted a CFPB complaint about this issue ( complaint XXXX ) to which the company responded and the CFPB allowed to be closed. On XX/XX/XXXX I sent, and EXETER FINANCE received, an Affidavit of Truth, Debt Validation Letter pursuant to 15 USC 1692g, a Cease and Desist Letter and Exhibits displaying only a few of their violations. EXETER FINANCE failed to provide a wet ink contract and an Audit Trail according to GAAP standards that I requested. EXETER FINANCE violated the Cease and Desist letter by calling my telephone and leaving messages : XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX at XXXX ( XXXX XXXX XXXX, and sent postcards, and mail with consumer rights violations to my personal address. They continue to furnish deceptive documents, report false information to credit reporting agencies and use my personal information unauthorizedly. I filed an Identity Theft Report to the FTC # XXXX. I humbly ask that the CFPB help me to enforce against this company for its blatant disregard for federal law and outright breaking of the law. I have attached proof of their receipt and proof of their breaking federal laws, and breaking the Cease and Desist. This company is causing me a great deal of stress mental anguish, through their deception, theft and failure to remedy this issue. This situation is costing me valuable time, money and affecting both my children and I greatly. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and XXXX supplied XXXX with the information and failed to properly investigate and resolve the consumer disputes about the credit reporting so I am disputing report number : XXXX. 

A XXXX XXXX ( XXXX ) & XXXX XXXX were instructed to report a very old ( identity theft/scam ) closed and charged off account to Experian and XXXX, using an invasive entity called XXXX Associates XXXX XXXX XXXX another cartel ) and it recently showed up on my credit report. This company likes to use various illegal tactics ( e.g. mail fraud C # XXXX ), ToR Dark/Deep web, Cloud, IoT networks, XXXX retail purchases or discriminatory practices ( e.g. XXXX, XXXX XXXX ) etc, to set you up and illegally collect data. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, known as PRAA on XXXX ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I, XXXX. XXXX XXXX XXXX XXXX under XXXX XXXX XXXX and XXXX XXXX XXXX ; violated provisions of the Fair Debt Collection Practice Act and are part of a class action lawsuit pending in the XXXX XXXX XXXX. My information was also posted publicly ( I am a victim of identity theft ) on a private XXXX XXXX XXXX website called XXXX - part of the long list of illegal RICO activities from this " Church '' and their affiliates. They also put an inquiry named XXXX on my credit report but did not provide an address or any other identifiable, source, information. I filed an inquiry with Experian requesting more information on the XXXX inquiry however Experian never responded with the contact information details. 

XXXX Tops List of Banks Who Received Federal Aid - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollar government bailed out XXXX and XXXX XXXX XXXX  XXXX have a history of using RICO, deceptive and unfair practices. XXXX dollar government bailed out XXXX along with XXXX get pleasure out of targeting vulnerable consumers such as XXXX XXXX. XXXX dollar government bailed out XXXX along with XXXX violated federal consumer protection law and reported inaccurate information to the credit reporting agencies.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan for XXXX {$90000.00} that is removed in the amount but no action from the bureau to elevate my credit. in fact within a five day period my credit score was decreasing 6 times causing a depleted opportunity to refinance. I was misleaded and told to contact XXXX. which is another paid agency and I already pay for XXXX. The report reflects that my credit usage is 104 % and thats a false depiction. I have never had a credit score over XXXX and I have satisfied extreme debt and sought out a credit fixing company. ALL THREE BUREAUS ARE REFLECTED I am affected

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 2017-05-16
Company: Opportunity Financial, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for loan back on    XXXX   XXXX  2017  I  was told that I was denied due to my   XXXX   score being low. I then called and ask what is the score requirement to be approved. I was then told that your score  XXXX  score should be  XXXX . Then I ask the rep what was my score showing in then say  XXXX . So he then say I can contact the company   XXXX   to try in get my score up and then reapply within 30days. So I contact   XXXX   to start the process to get my score up. So today    XXXX   XXXX     2017  my  XXXX  score is  XXXX . Which way pass the company requirement to get approve for a loan. So I reapply for a loan on today  XXXX .17 I was today I was approved for  XXXX . And the only thing I have to do was submit 3 months of bank statements. Once I submitted the bank statement I was told that I was denied. So I then ask why he rep told me that I would have write them a letter to get a statement of why I was denied. So then ask the rep what was my   XXXX   score she then state that my score was  XXXX  and the company requirement score is  XXXX . So at this point I am  XXXX  because why would the company tell me I am approved at first. And then ask for all my personal information just tell me I am not approved This company is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Credit & Collection is inaccurately reporting a debt on my XXXX Credit Bureau report, in the amount of {$790.00}. I called to inquire about this debt and was told they are collecting for a medical bill. I told Nationwide Credit and Collection Inc., I do not owe any XXXX debt to anyone. I requested Nationwide Credit and Collection to validate the debt belongs to me by providing me with a document bearing my signature according to the Fair Debt Collection Practice Act. And I was told they do not have anything bearing my signature. I have repeatedly asked for evidence to support their reporting on my credit report. Nationwide Credit & Collection have failed to provide me with a copy of viable evidence to support their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, the consumer in this matter, first contacted the Credit Reporting Agency in regards to accounts listed on my consumer credit file, in an attempt to amicably handle this situation, before this goes to court. I noticed that there were multiple erroneous accounts listed, and requested that they send me the method of verification used, my written authorization giving them, the Credit Reporting Agency, to obtain or furnish any of my non public financial information. In reporting this information, the CRA failed multiple requirements of the FCRA, most notably, the requirement of maximum accuracy, and the requirement of necessary consent and permissible purpose. Without consent, the CRA has no authority to furnish any information related to the consumer, and doing so without authority is Aggravated Identity Theft.

This is my final attempt to get this information removed prior to filing a federal lawsuit, as the violation of the FCRA is a federal of law.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My credit age is not reflecting correctly

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