BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: OH
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXL XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry, XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-04-04
Company: EQUIFAX, INC.
State: AZ
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This is my second complaint with this company. The first complaint was done on XX/XX/XXXX and it was closed on XX/XX/XXXX stating that the TitleMax responded but they never did. I hit a financial hardship and I cant pay them anymore. In XXXX I was making $ XXXX $ XXXX  monthly payments for a {$2100.00} line of credit. As of XX/XX/XXXX I am no longer able to pay on the loan. I paid {$3100.00} on the loan so far and I still owe {$2800.00}. I was not aware that they were charging me over 180 % in interest, I never signed anything that showed the interest amount. This is my first time ever doing a line of credit with TitleMax, I usually would get a title loan that needs to be repaid within 30 days. The person at the office insisted I get the line of credit because Ill be saving more in fees. That was a lie I have been struggling to pay them and to keep my only barely working vehicle. In XXXX right before XXXX I had major car problems and the state of TN sent me a letter because I dont have car insurance and requesting I get it within 30 days. I was paying TitleMax so much money that I couldnt maintain car insurance or maintenance. I am a single mother and I home school my XXXX children. I am on section 8 and my title loan payments are more then my rent. I cant get my tags reinstated or get insurance on the vehicle because TitleMax said if I cant make a payment then I need to drop it off at their office and take a XXXX back home. I reached out to the General Manager and the Office Manager about working out a payment plan to stop the interest from getting so high. They said they spoke to the District Manager and he or she said there is nothing they can do for me and I need to pay the past due and start making monthly payments. I tried coming up with the money but I couldnt. I had to reschedule my son and Daughter Doctors appointments 3 times because of this and not being able to have up to date tags and insurance. This is frustrating and hard. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and TitleMax is making it hard for me to even do that. I need my vehicle I also need them to do something about this. I paid the loan off!! How am I still owing the same amount? I need my title and I will never go to them again. I will be sure to share my experience on their reviews everywhere! This was a trap. I even called them in XXXX to come get the vehicle thats when the manager told me to drop it off at their office. Here we are almost 2 months later and the interest and amount is steadily rising. They are scamming hard working families and dont have no remorse. My hours has decreased and Im barely making {$1200.00} a month. I can barely feed my family because I was paying TitleMax. They do not care. I still need to take my children for their Doctors appointment. This is insane that they can charge that much interest and for it to be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms. 

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Good Evening in accordance with the Fair Trade Act, the account ; Ally Financial : XXXX - has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish my account without my written instructions.

! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-04-13
Company: KEYCORP
State: SC
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:
Key2XXXX  Reward Master Card - KeyBank XXXX : {$2400.00} convince check cashed at unknown location, bank unable to recover check image. 
XXXX : I reported the fraud to the Key Bank fraud hotline, a dispute case was filed and opened. 
XXXX : I filed a local police report with XXXX SC Police Department report No XXXX XXXX : I called fraud hotline to update them that I had filed a police report as instructed and relayed that police report information XXXX : Noticed charge was gone from statement, looked as if the case had been resolved XXXX : Charge return of {$2400.00} noticed on statement as reversed. I reached out to fraud hotline. I was told and that a KeyBank branch was to contact me with an affidavit form to fill out and get notarized. No on had ever contacted me nor informed me of an affidavit to be completed. Received the affidavit/sworn statement from fraud via email in the following days. 
XXXX : Email sent to branch manager XXXX XXXX branch # XXXX ( XXXX XXXX XXXX XXXX OH XXXX ) w/ affidavit completed and notarized properly. Case was reopened. 
XXXX : I followed up with XXXX, branch manager, via email due to no response. 
XXXX : First response from XXXX. She sent and addition affidavit for me to complete and get notarized. 
XXXX : I sent XXXX via email the second affidavit notarized and completed. 
XXXX : I followed up with XXXX again since no response since XXXX XXXX : XXXX emails mw with an update from the fraud department stating that the case is " still in progress and these can take up to 90 days to resolve '' XXXX : I follow up with XXXX to check on case XXXX : A coworker checked on fraud progress, still under review XXXX : XXXX contacts fraud department for update XXXX : I contact fraud department for update. They state they can not disclose any information to me, must be given to me via branch manager XXXX. 
XXXX : Follow up from XXXX, case was closed, no reason given. She escalated the case to " Executive Client Relations Team '' XXXX : I followed up with fraud department. Again they said case was close but could not disclose information as to why. 
XXXX : I emailed XXXX with request to speak live on the matter. No response. 
XXXX : I emailed XXXX with request to speak live again. She emails back stating she followed up with fraud and that the case manager covering my case was out on vacation and could not give me any updates. 
XXXX : I reached out to fraud department myself to check status. Someone finally gives me information that they are missing and affidavit that XXXX was supposed to send to them. I offer to send them the affidavit, I had completed on 2-4. They say they can not accept it unless it s from an internal KeyBank email. 
XXXX : I call XXXX, no answer. I leave voice mail to contact me ASAP about affidavit form.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 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 ( il ) the information is, in fact, inaccurate. 
I can go 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 explanation
Consumer complaint received 2023-04-13
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Synerprise Consulting Service, Inc ( reference number XXXX ) stating they are a debt collector attempting to collect {$48.00} from a procedure at XXXX XXXX I had on XX/XX/22. I did not have any kind of labs/procedure on that date. I have called 6 different numbers attempting to locate anyone who knows anything about this service. Absolutely no one can tell me and sends me onto another number. I have XXXX and XXXX XXXX XXXX XXXX as my insurance coverage. I never receive an invoice on anything. Whatre XXXX doesnt cover, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: OPORTUN FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I received an invitation to check my rate for a loan and was told it would not affect my credit score. They told me in order to do the soft inquiry I would need to unlock my credit report. I unlocked my report like I was asked to do and received a call from them verifying my identity because I have a fraud alert on my file. They told me that they were not able to provide the quote and that I would get a letter in the mail. Upon examining my credit report today I noticed that I have a hard inquiry from them. I was mislead by the organization who insured me there would be no hard inquiry and my score would not be affected. 

I am writing to request the removal of unauthorized credit inquiry on my XXXX and XXXX credit reports. My latest credit report shows 1 credit inquiry that I did not authorize. I am writing to dispute the following inquiry and ask for their removal from my credit report.

Item 1. 
XX/XX/2023 Inquiry OPORTUN/PROGRESO FINANCI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed XXXX XXXX XXXX with TransUnion for amount of XXXX it came back verified I called TransUnion again ask them again to to dispute information thoroughly because I talked to XXXX XXXX  they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please

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 2023-04-13
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I ask in the name of XXXX XXXX, I pray Santander Consumer USA , Inc., act in good faith and do NOT discriminate. See attachments. XXXX XXXX All Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Affirm Inc. has reported 13 loans delinquent and I do no recognize any of them. I contacted Affirm on XX/XX/XXXX  and advised affirm that my identity must have been stolen. I escalated and asked that they remove the delinquent reporting. Affirm indicated that this is indeed my account and they will not be able to do anything and they will continue to report on my account. I then asked Affirm can I just make a payment plan. Affirm reps indicated that they can not help or have me make any payment and they will just continue to report to the credit bureau despite me asking for help. This has prevented me from purchasing a home. I do not recognize any of this and asked for help. Affirm refused and I do not have access to make a payment on the website after I created an account to have a payment made. The accounts are listed as charged off but When I call Affirm, they state that they can not help me at all. I called once again on XXXXXXXX  and tried again to pay and they stated that they can not help me at all. I need this company to remove these debts and try to do right by me. I spoke with supervisor XXXX XXXX and he stated that he will put in a request to verify the fraudulent activity but there is nothing that can be done as this does not make sense.

Company response to consumer: Closed with explanation