BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
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:
Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from XXXX, Equifax and XXXX dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being. 


Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ XXXX, Equifax, XXXX ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting. 

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries.

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law.

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Affirm 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: Information belongs to someone else

Complaint:
I was identity thefted, and all my disputes and reports keep getting ignored. This has caused me to not be able to get a mortgage, leaving me homeless for over 2 years. 
The ignorance is Discrimination. I will be filing civil rights if they do not remove their accounts from my credit report within 5 Days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Transunion landlord eviction reporting claims on credit report false and misidentification causing punitive damage and ability to receive housing fairness

Company response to consumer: In progress
Consumer complaint received 2021-05-10
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXx XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights XXXX5 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NV
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: WorldRemit Corp.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i tried to send money with worldremit in the amount of {$1200.00} on XXXX XXXXthe money was taken out instantly from my debit card but later got a message that it was cancelled so i will get a refund in 7 working days. I waited after the 7 days as promised and called back only to be told that now they can't tell me when it will be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights In additions listed on my credit report are inquiries that I didn't authorize Credit Plus factual date XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX factual date XXXX XXXXXXXX XXXX XXXX factual date XXXX XXXX factual date XXXX XXXX XXXX factual date XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My personal information has been comprised due to identity theft. I don't know how the thief was able to gain access to my personal information and use my name without me even knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid along with being a XXXX  survivor I'm dealing with a lot of stress in my life. I even went to the police and filed a police report I don't know what else to do.

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 2021-11-09
Company: Professional Debt Mediation, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to Professional Debt Mediation , INC whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CORELOGIC INC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went in to this XXXX dealership ( XXXX XXXX XXXX, XXXX ) to checkout a used car I had seen online. As soon as you walk in they take all sorts of information about you. I told them not to do a hard pull on my credit report because if I decided to buy a car, I would go to my bank first to discuss a car loan with them. They told me a lot of people have the same concern and promised and assured me that they will not do a hard pull on my credit report. They said they might do a soft pull just to get an idea. Sure enough I get home, and I have an credit monitoring notification indicating that they did a hard pull on my credit reports ( through a company called CREDCO ) even though I explicitly forbade them to and they agreed. Accordingly, my credit score took a hit. 

They also repeatedly fudged their 'tentative ' financing numbers to trick me into thinking that I would be paying less with them than I actually would, so that I would agree to finance the car with them. When I called them out on it, the salesman sheepishly admitted that yea the numbers don't make sense. I got up and left. They also, with no information whatsoever, lied and told me I would get higher interest rates and pay more if I went to finance elsewhere.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the accounts, or inaccurate information, from my file immediately 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 2023-06-28
Company: Bread Financial Holdings, Inc.
State: ID
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 XX/XX/XXXX I completed a debt consolidation loan with one of the banks I work with ( XXXX XXXX XXXX XXXX ). They requested the ability to send cashiers checks directly to some of the creditors we were paying to which I agreed. The largest debt was an XXXX XXXX credit card issued by Commentity Bank. The balance at the time the check was sent ( XX/XX/XXXX ) was XXXX but the check was sent out for XXXX because it had not included a payment i recently made. 

According to the mail tracking the check was received on XX/XX/XXXX and the balance had not changed. On XX/XX/XXXX I noticed the check had not been credited to my account so I began calling in because I started incurring " interest charges '' of XXXX. I opened a dispute and sent them copies of the check, the delivery receipt from the mail, and included the payoff form they sent us. It has now been 2 months and I have called them dozens of times, my bank has called them dozens of times but the bottom line is they told me that I would not need to worry about making a payment while they located the check and I have that in writing. They knew I was in the middle of buying a home but I can not close until they show the account at a XXXX balance. I have also been paying on my new loan with onpoint. I work up yesterday to see that they reported me 30 days late and that dropped my credit score by over XXXX points. 

Every time i reach out to them I get someone new and the same response or a different story entirely. They will not sign the form to release the check and continue to tell me that checks can take 30 days to process and disputes can take up to 90 days to process. I am BEYOND furious at this point and need someone they will listen to and respect to intervene.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I paid {$3900.00} on my federal student loan, to EdFinancial Services ( I have the receipt to confirm this ), I requested a refund on XX/XX/XXXX. I was told I would see my refund in 60-90 days. I have received NO refund. Also, my account does not reflect the new balance with the {$3900.00} being refunded. Every time I call, I get a representative telling me to wait a different amount of time. I desperately need this money and I need my account to reflect my new balance, for Biden 's forgiveness.. I am pleading for someone to help me as I am terrified of waiting much longer. Also, why are other student loan services completing these refunds so much more efficiently? 

All in all, I just want my account updated and I want my hard-earned refund, that I sorely needed weeks ago..

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 2023-06-28
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I tried to log into my Chime account to move some money from savings into checking to purchase materials for school. I got a notification that my account had been closed and I should email XXXX 

I was sent an automated email telling me to call Chime 's support hotline. When I called, I had to wait and speak to 2 agents who told me they had no ability to fix things over the phone and I needed to email XXXX. 

I received no notifications that my account would be closed, nor have I been given a reason for why. I have no access to over {$5000.00} that was in the account and can not get a direct response from Chime. I am a college student living off of savings while I finish my studies. This means I have no money to pay rent, pay tuition, buy materials for my classes, buy food, or pay any other bills. I worked hard to save my money, and I can not survive without it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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