BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Navient is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Navient is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Navient is in violation of 15 USC 1692h

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XXXX. XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MD
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:
on XXXX I went to review my credit report from XXXX and Equifax have inquires on my report that i did not request or have any knowledge or I have not asked or given anyone permission to run credit however i also locked my report froze my credit and added an alert also they still have inquires on my report dated back two to three years ago also i have sent multiple via mail and they always state that they have not received them to send another request. my information has been exposed on the dark web due to multiple data breaches

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Trident Asset Management, L.L.C.
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: Their investigation did not fix an error on your report

Complaint:
Upon checking my credit reports I attempted to contact a creditor via certified mail using the address provided on my XXXX credit report. XXXX also provided the same address for them. The mail ended up being returned to me for a bad address. .I then initiated a dispute based on a false address on my credit report and returned mail via certified mail on XXXX. I sent them supporting evidence of USPS tracking showing the returned mail, the contents of the original letter to the creditor, and the address for the creditor on my credit report, showing the address I sent to. XXXX  signed for my letter on XX/XX/XXXX.On XXXX XXXX  responded ( confirmation # XXXX " Adverse accounts will be deleted in 7 years '' " We Verified the item belongs to you '' " We verified the item is being reported correctly '' " Contact creditor directly if you have further questions '' Providing the same bad address mind you. 

Nowhere in my letter to XXXX  did I ask for verification of the alleged debt, nor it's reporting other than the bad contact address. 

On XXXX I sent a follow up letter to XXXX, the exact same letter with a PS. The PS informed them of their failure to properly investigate my dispute based on the bad contact address for the creditor. I also stated that I have no correct address to send correspondence to the creditor. With this letter I included a picture of the physically returned letter. I demanded a 15 day reinvestigation and if this creditor could not supply a good address to send mail to, to remove the erroneous item from my credit report for providing false information. They signed for my letter on XXXX and responded back to me on XXXX Confirmation # XXXX with simply " Adverse accounts are removed automatically in 7 years ''. Again showing to contact the creditor yet again with the same bad address. 

Clearly this shows an incompetent and botched investigation. At the bare minimum XXXX  should have demanded the creditor to provide the correct contact address, or delete the falsely reported item from my report. 

Enclosed are the letters I sent to XXXX  with signatures for the letters, Their Responses, An XXXX  credit report showing the creditor 's address, A scorsense credit report showing the same address, A picture of the returned mail, and usps tracking showing the letter being returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: GA
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 writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by Experian, XXXX and XXXX ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above

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 2023-06-13
Company: Affirm Holdings, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back AFFIRM INC Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH AFFIRM WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted Transunion to remove fradulent inquries on my account and they failed to help me. Here are the names of the inquries that are fraudulent and should not be in my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 explanation
Consumer complaint received 2023-06-13
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
First I would like to say this company is the worst. My auto loan contract is extremely unethical, and fraudlent with excessive interest rates. At the end of my term I would have paid well over {XXXX for a {XXXX} vehicle. Moving forward, I was involved in a car accident, and my vehicle was deemed a total loss. The claim took several months for my payment. XXXX XXXX was aware of the total lost and received payment from the insurance company, along with a XXXX claim to cover the remaining balance. During the XXXX process, XXXX XXXX charged off my account and now I have a auto loan charge off on my credit report. My XXXX claim has sent in the payment, however XXXX XXXX is still showing a remaining balance of {XXXX}. I have the letters from my insurance company, with proof of payment and my XXXX claim showing the final cost covered for the car. XXXX XXXX has charged an excessive amount of interest and late fees during the XXXX claim. I am unable to purchase another vehicle due to the inconsistency reporting from XXXX XXXX, its affecting my life drastically. I should not owe anything especially if I had a XXXX claim with the insurance payment. XXXX XXXX has not even notified me when my account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section .611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been over 60 days so they should have Been deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX date breach and may have got into the hands 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 non-monetary relief
Consumer complaint received 2021-06-24
Company: USCB Corporation
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found on XX/XX/2021 that I am having suddenly 10 collection on my report of something that I have no idea what that about without even contacting me or explaining what that about.

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 2023-12-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

Company response to consumer: In progress
Consumer complaint received 2023-06-13
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: Card was charged for something you did not purchase with the card

Complaint:
We have had the Capital One Venture card for over 5 years and assumed they would have our backs when we became victims of fraud. We received an alert one day to approve a purchase that we didn't make & when logging into our account to follow up we had over {$4000.00} of fraudulent charges. We called right away, they cancelled our card, assured us they would look into it & the money would be reimbursed to our account. A few days later we received a letter that their investigation didn't prove to be fraud, they believed we made the purchases & all of the charges were put back on our account. The type of purchases, locations & time of day where not normal for us and it seemed clear as day this wasn't us so we are shocked that Capital One said it was their final decision and we are responsible. All of the fraud was on my husbands card and he had it in his possession when this happened. He hasn't been using the card but made recent online purchases through XXXX XXXX this is when the fraud started. There was an attempt on his mothers card too ( she is an authorized user ), she lives in the XXXX but the attempted purchase was in the US, but we caught it in time & it was declined. Capital One is claiming the fraudsters where able to use the chip and that is why they declined our fraud claim. How is this possible?? I feel so frustrated & helpless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Kriya Capital, LLC
State: AZ
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:
on or about XX/XX/23 i started receiving notifications about a change on my credit report and after investigating I found a derogatory entry from a collection agency. 

I never received any calls, mail or emails regarding this situation from either the original creditor, XXXX XXXX XXXX, or the collection agency, CREDENCE RM ( Original Creditor : XXXX XXXX XXXX  ). 

Had I received any notification of this situation I would have paid this obligation as my existing credit history surely demonstrates. 

Credence RM did not reach out to me about this obligation and the first that I ever knew there was an issue was when I received notifications that my credit score had changed. 

My understanding is that there is a legal obligation to reach out to the debtor before just posting derogatory information to their credit score. 

I want this derogatory information removed from my credit report and I want this Companies practices noted. I would also like XXXX XXXX XXXX to consider not using this Company to collect on debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Atlanticus Services Corporation
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received credit from Fortiva Credit Card to buy a couch at XXXXXXXX XXXX XXXX store. There was a deal for no interest if you paid it off in the one year period. The last payment was due on XX/XX/2023, however when I paid the balance left of {$100.00} they said that to have no interest I should've paid it by XX/XX/2023. After I paid, on the due date, the final payment I got a bill for {$310.00} in interest. They said I was late with the final payment so I didn't fulfill the no interest deal. I really believe they set the last payment date to purposely have me miss the interest free deal. I rely on my SSDI income, I purposely took strong efforts to pay it off on time with no interest, now they say if I don't pay the interest it will go to collections. I don't know how this is right, legal, or fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/2022 I had two different deposits supposed to be coming in. I had to complain because one of them was because somebody had taken my money they were supposed to they refunded it, but then they gave it back because my account closed they said they couldnt give it to me. They know that I disputed it so I dont know what the problem is but the money is owed to me and then my deposit they came in. Somebody had gotten a hold of. Ive complained about a complaint about it tried fixing it and it went to a different account then they fixed it so I dont know whats going on, but they did not let you that I was supposed to get back and so I am just trying to get to the bottom of this and get my money and its not protected because they keep allowing things to be taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MD
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:
It has been several months since my initial contact via mail and my complaints via CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

I am writing to bring your attention to the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( XXXX, XXXX, and TransUnion ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX USBK Court XXXX Michigan and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.

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