BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: ACIMA CREDIT, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has a XXXX  day late XXXX  days late on my credit file that has issues in which ACIMA claims they placed on my credit report Acima was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling Acima to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with ACIMA claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying XXXX place the info on there not them. 

I mailed them certified mail with no response to the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. XXXX, XXXX, and Equifax is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental anxiety due to being declined credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmedinformation without producing proof within the legal time range. XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to remove an inquiry due to credit fraudXX/XX/XXXXXXXX, OR XXXX phone number 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 2021-06-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On top of all this illegal title loan company Loanmart has send me illegal documents and sign my name to them. I have email 's showing I have not sign no documents with this illegal loan company. Last time I sign a document was when I received the loan in XXXX. Illegal put my credit report XX/XX/XXXX and sent me illegal documents saying I released my car. Just received these illegal documents in my email today XX/XX/XXXX but date on them is XX/XX/XXXX. They illegal took my car on XX/XX/XXXX illegal pull my credit also. Yes copy of the illegal documents that was sent to me today this claim i just file you just sent over to loanmart I got this illegal document in return I never got this document or sign it just received it today XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: National Credit Adjusters, LLC
State: NC
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:
NCA has deceitfully supplied a bill that does not belong to me as " evidence '' that the account belongs to me. I have requested a documented level paper trail baring my signature. 

This matter is not at a conclusion with your office until I file a lawsuit. The attached bill that NCA supplied to CFPB do not support their claim that this account belongs to me. The address associated to the account ( for the document they supplied ) does not and has not ever belonged to me. You have failed to send documented level papers baring my signature that I open an account with you or any other agency/business that you represent. Furthermore, as sighted on my credit report I have been a victim of identity theft. You are reporting incorrect information on a victim! 

I demand that this erroneous and damaging file be removed from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got an email concerning a loan. Saying I was denied. I never applied for this. When I called the company the dob was different. As well as the ss number. I checked my credit report equifax not XXXX and my former name was applied above My present married name.also the address XXXX XXXX was listed I have never lived there. This email came on the friday.today I notice in my email asking for confirmation using my previous name of XXXX XXXX. For a different company. My legal name is XXXX. XXXX. I called the credit agency and they are asking for my zip then my ss number I am not giving this over the phone to an unknown. This is a recording asking for this info. Is this customary not a good practice at all. I am very uncomfortable about giving out my info. I want a fraud alert on my credit report do not know how to do this. Would like some guidance. My name is XXXX XXXX XXXX hope to hear from someone soon

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
Here we go again. Every 2-3 months my credit file is incorrect, wrong, and screwed-up. XXXX  permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against XXXX. They keep putting someone else or a family member 's address on my credit file. They keep putting XXXX XXXX. and Transworld System Inc. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! XXXX  will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by XXXX  in broad daylight. Please help. Sadly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I trying to set up direct deposit on this card. I get a error that says I am not able to set up direct deposit due to suspicious activity on the card. So I called in and twice I have been transferred to a rep that can not help. Then they transfer me to another number that was disconnected. I can not keep calling them because I am charged each time I call. I need the direct deposit set up. I have the card set up with child support and the child support office said I have to set up direct deposit with the card. The card said child support. I need the direct deposit set up. This company is the worst they are charging for things I should not be charged for and I can not call customer service more than twice a month or I will be charged eventho customer service hangs up on me.. I want to be done with this card and have the direct deposit. And also I am able to withdraw twice a month from the ATM without a charge. I was charged for withdrawing from a ATM and it was the first time I withdrew that month. I have attached the XXXX statement and I have yet to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the unverified inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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 2019-09-13
Company: EQUIFAX, INC.
State: MO
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:
This account do not belong to me nor do I owe this known as XXXX XXXX XXXX, therefore I'm demanding that this account be removed/ blocked from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: GREAT LAKES
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
hello this school a stealing from me and other student they are making students return their stipends back to the school and adding extra charges on out accoint if we dont and also not releasing our transcript if we dont return our refunds to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: AR
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a customer of Quicken Loans/Rocket Mortgage. I was investigating a HELOC with Quicken, called them, told them I wanted a second mortgage, and they connected me with " XXXX ... .our California specialist ''. I told her I wanted a second mortgage and she asked about my home value in regards to what it was last XXXX when I refinanced with Quicken. She then told me she would need to pull my credit report to really have an idea about my potential. She asked me if that was ok. I was apprehensive because it's a " hard pull '' on my credit ( which does not go away for a couple of years ). I agreed. She called me back and delivered information about what she found and then told me the payment would be {$3200.00}. I responded " oh you mean my first and second payment together? '' Then she dropped the bomb that the monthly payment she quoted would be a refinanced mortgage of what I have now at 4.75 % ( I'm paying 3.99 % now ). So I guess that approach works for some people with Quicken Loans. They think you are desperate and offer you something and if you really need the money, you may relinquish to take a loan with points and more interest. I told XXXX that you never mentioned a refinance and I made it clear I wanted a HELOC. She responded that " all their conversations were on tape ''. Clearly Quicken Loans has scripted this knowing full well they were not going to offer me HELOC since XXXX told me " we don't do those ... we don't to lines of credit ''. This practice needs to be stopped and stop baiting and switching what you are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-14
Company: EQUIFAX, INC.
State: CA
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:
All the information is in the documents, please take the time to read

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My capital one account was closed after I reported that a false/fraud check was deposited into my account and my identity was stolen and they retrieve the funds and me not knowing, now my account was negative, my IRS deposit XXXX set to go in on the XXXX of XX/XX/2023, and my account was closed as email stated on XX/XX/XXXX. I reached out to bank, and they mentioned to me that the credit was credited and that I remain with negative balance, when I reported fraud no case was open the bank mentioned that I had called when I did not, someone stole my identity and is using it to open accounts and get into my funds. Bank mentioned I am responsible for the negative balance, why is the bank holding me accountable when i reported fraud and all they decided to do was end there relationship, capital XXXX is stealing my money, I need my refund to be send back to the IRS and the bank reject also any upcoming deposits, please reach out to me as soon as possible. So we can take care of this matter and fraud claim should have been made and protocols should have been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: ALLIANT CREDIT UNION
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wanted to relay my recent experience with Alliant Credit Union I took out a car loan with Alliant approximately 4 years ago because the interest rates were so low. Payments were coming from my personal account on time every month. 

I use the car primarily for work and thus most recently switched the account to my corporate account. I received an email from Alliant on XX/XX/XXXX ( which I have proof-the actual email ) suggesting that there has been some fraudulent activity, and thus I was not taking calls from Alliant. My office manager put a stop hold on the payments to Alliant without my knowledge and thus my loan was overdue. I personally called their loan department 2 weeks ago to XXXX ( that is his name ), and he was extremely pleasant and offered to follow up with me, but he never did. 

I received a call from XXXX XXXX last Thursday. He was extremely rude and threatened to repossess my car. Because I no longer wished to do business with the bank, I immediately wired over the balance of {$38000.00} of my loan, which is what XXXX rudely told me to send over immediately or he would repossess my car. I tried to get an explanation of why I overpaid, as my ending balance on my statement was only {$37000.00}. I asked them to pay the difference to be paid back to be immediately. He also sent my information over to the Credit Reporting Agency, and since I monitor my credit ( which is over 740 ), I found out about it. My credit is now ruined because of the actions of the bank. I have notified them and sent over proof and they have done nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-15
Company: Van Patten Mortgage Group
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This Mortgage Company XXXX keeps harassing me over and over and over again AND KEEPS LEAVING ME VOICEMAILS, This just happened again today XXXX and has been going on for months. It is a Robo call saying that they are from XXXX XXXX  XXXX. I have called them and asked them to take my phone number off there system. They responded that it is MY PROBLEM. The number that they calling from is XXXX in XXXX.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2019-05-31
Company: LEXISNEXIS
State: IL
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 received a copy of my LexisNexis consumer report on XXXX XXXX. Upon reviewing my 60 page report I noticed the Entire report was full of many serious reporting in errors/ inaccurate information that didn't belong to me. On XX/XX/XXXX I sent a Certified letter to Lexis Nexis requesting for an investigation and to send me a copy of my correct consumer file. I never received any follow up on the incorrect file I received on XX/XX/XXXX.

Company response to consumer: Closed with explanation