BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/XXXX Cashnet USA said I applied for a loan for {$500.00}. I never applied for this loan. The loan number of this XXXX. The due date for repayment was XXXX XXXX. I have been receiving ssi payments for XXXX for 41/2 years. You are not allowed to take out loans. They said I would have to make a police report. Call the XXXX XXXX XXXX XXXX XXXX. I had no results from that encounter. I do have the loan officer name who signed the loan agreement. XXXX XXXX. He signed it at XXXXXXXX XXXX on the XXXX XXXX. Vertices number. XXXX. The agent I spoke with said they deposited into an account at XXXX Bank. I have no such account. I had my bank XXXX XXXX send copies from XXXX to XXXX of XXXX and no such deposit for {$500.00} showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'

m not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.

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 2017-07-17
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:
XXXX   XXXX   2017 I pulled my credit report and noticed discrepancies on my report that do not belong to me and are inaccurate and incomplete information. I have disputed these accounts with the credit bureau ( s ). Since then I have received an updated copy of my report (  XXXX  2017 ) stating it has been updated on my report. Experian has over and repeatedly failed to provide me the method and verification in which they are using to report inaccurate information on my credit report I have submitted written and certified requests for the past 5 months for accounts :   XXXX   and  XXXX . The investigation and re-investigation came back as updated and verified, when I sent the letter certified on   XXXX    XXXX  2017 and completed re-investigation was completed in less than 30 days from that date. How is this possible when I have received nothing stating their claims inquiring of the way they investigate, re-investigate and verify ; proof of verification showing ( investigators summary, application, signatures ). I have also contacted them via phone and the rep said Oh this information has been updated and they are not required to show proof? -- -really this is what a trained representative said. However, they continue to report and send me the same information and avoid sending me the information and requirements permitted by the FCRA under section 611 ( 5 ) ( A ). These accounts must be removed and deleted as this information is outdated, inaccurate and incomplete. Attached is a copy of Experian response from the date submitted to the time of their response less than 30 days of inaccurate information.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting Act 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  Has violated my Rights 15 U.S.C section 602 A States I have a right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent out 3 letters & called more the one time to remove some things of my report that were inaccurate. Looking to remove them items & they goes as follows :   XXXX   XXXX   ( XX/XX/XXXX  ),   XXXX   XXXX   (  XX/XX/XXXX ),   XXXX   XXXX   (  XX/XX/XXXX  ),  XXXX  (  XX/XX/XXXX  ) &   XXXX   XXXX   (  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 explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NJ
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Previous complaint ID :   XXXX   Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my   XXXX   XXXX   , which is where I get my mail.
I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment.
New complaint.
That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on   XXXX    XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank.
I have been doing research and the company has a long history of such practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2017-07-17
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
I was contacted by the lender and told i was eligible for a {$3000.00} increase. She asked me if i rent and what my monthly rent was. I advised her i had just refinanced the loan. She stated I was eligible for an increase and asked if I wanted the full {$3000.00}. I advised her that I did not want my payment to go over $ 300 monthly. She stated she would call me back after she processed the paperwork. She never obtained my permission to pull my credit. The next morning she advised me the company declined to extend the credit. I advised her I had discussed the fact that I had just refinanced prior to her offering an additional loan. She advised me I was eligible for the loan but the company declined. I have received a copy of my consumer report with a hard pull from the lender. I have contacted the office to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-07-17
Company: Nelnet, Inc.
State: IL
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 was contacted by US Dept of Education/NELNET about a student plus loan that I did not sign for. During initial contact  XXXX  2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from NELNET. When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with NELNET I was told that I needed to file a police report, in which I did immediately. I provided the   XXXX   police report to NELNET ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the   XXXX   major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by NELNET to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/NELNET,   XXXX   XXXX  ,   XXXX   and   XXXX   for reporting inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Yes .. Bank of America Customer Service Dept .. ABSOLUTELY ATROCIOUS .. after I complained to a manager .. they started retaliatory behavior against me .. 

Not sending me new debit cards on time .. or AT ALL!! This happened on at least three to four occasions The Claims Dept .. putting false information in my info file with Bank of America They noted in file when I called claims dept on XX/XX/2018 that they called me on XX/XX/2018 at XXXX XXXX  .. at : 1 ) OLD PHONE NUMBER OF XXXX XXXX XXXX .. WHICH I HAVE NOT HAD IN A COUPLE OF MONTHS AT LEAST AND I UPDATED ALL INFO WITH BANK OF AMERICA PROMPTLY!! 

2 ) NOTED ALSO THAT THEY CALLED MY NEW UPDATED CELL NUMBER ON THIS DATE .. I HAVE PHONE RECORDS FROM MY CARRIER .. NO CALLS!!! 



THIS IS FRAUD!!!!!!!! 

IF THIS RETALIATORY BEHAVIOR DOES NOT IMMEDIATELY CEASE AND DESIST I WILL BE FILING LAWSUIT!!! 


ADDITIONALLY, I JUST NOTED THAT I HAVE A {$35.00} FEE " SUDDENLY '' ADDED ON TO MY ACCOUNT .. YET I HAVE OVERDRAFT PROTECTION XXXX THEY KEEP MESSING WITH ME IF THIS IS NOT DEALT WITH ASAP. ... .. L A W S U I T!!!! 


ALSO .. GIVEN COMPLETELY FALSE, ERRONEOUS INFORMATION FROM THE BANK OF AMERICA ON XXXX XXXX IN XXXX, MD WHEN I OPENED ADDITIONAL CHECKING AND SAVINGS ACCOUNT .. THEY " ASSURED '' ME NO FEES FOR THE SECOND CHECKING ACCOUNT AND THE SAVINGS ACCOUNT! 

WELL THAT WAS A JOKE!! I AM TIRED OF THIS FRAUD AND RETALIATIORY BEHAVIOR .. 

ONE MORE INCIDENT .. L A W S U I T!!

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 2023-04-29
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: Their investigation did not fix an error on your report

Complaint:
I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: LA
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 credit inquiries and accounts that I am unaware of. I wrote XXXX, XXXX, and Experian over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.

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 2023-04-29
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXXXXXX XXXX XXXX. I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle. Below I attached a screenshot of a letter that was uploaded to the documents portion of my online account. Only the notice of intent to sale was uploaded and sent. I was not made aware of the actual sale date, time and location.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I 've discovered these charges I 've been billed for merchandise I never ordered or received. I do n't have an account with   XXXX   XXXX  , I have n't received anything from them, unauthorized charges. I ca n't call about this right now because my card is n't working with merchants and I ca n't buy a phone. I am out of the country. Can these errors can be corrected? I 'm sorry.
 XX/XX/XXXX    XXXX   XXXX   - {$300.00}  XX/XX/XXXX    XXXX   XXXX   - {$49.00}  XX/XX/XXXX    XXXX   XXXX   - {$170.00}  XX/XX/XXXX    XXXX   XXXX   - {$1500.00}  XX/XX/XXXX    XXXX   XXXX   - {$2000.00} XX/XX/XXXX    XXXX   XXXX   - {$580.00}  XX/XX/XXXX    XXXX   XXXX   - {$290.00}  XX/XX/XXXX    XXXX   XXXX   - {$1400.00}  XX/XX/XXXX   XXXX   XXXX   - {$2200.00} XX/XX/XXXX    XXXX   XXXX   - {$2400.00}  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   - {$2500.00} Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On  XXXX / XXXX /17 I paid my balance down from {$3000.00} out of {$3500.00} credit limit, to {$410.00} out of {$3500.00} ( a {$2400.00} payment ). In addition, I paid an additional {$7000.00} to bring my balance down on my other   XXXX   revolving credit cards. Therefore, bringing the credit utilization % on my credit report down from 65 % to 8 %. However as soon as I paid the {$2400.00} on my Citi card Citi immediately dropped my credit limit from {$3500.00} to {$500.00}. The {$3000.00} drop from Citi in my credit limit now hurts my credit utilization % on my credit score. This is an unfair act that hurt my credit score and will hurt the mortgage rate I want to get for a 30 year mortgage loan.

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 2023-08-15
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: Their investigation did not fix an error on your report

Complaint:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief