BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am writing to report a phishing attempt made by NetCredit that I suspect is trying to obtain my personal information fraudulently.

XXXX XXXX XXXX XXXX - I received an email stating that I was being denied a loan I did not apply for. The email was from XXXXXXXX and said that my loan application with NetCredit was denied. The email also included my full name, current address, and recent credit score. I checked my credit report and saw that there was a soft credit inquiry from NetCredit but no hard credit inquiry. I went to their website and did a "Forgot my password" with my email address and was able to login to the aforementioned account and change the password. I then emailed XXXX to say, "I received an email declining my loan application. I did not apply for this loan. I was able to get into the account and change the password, but I would like this account deleted as I suspect fraudulent activity." 

XXXX XXXX XXXX XXXX - I received a response from XXXX: "Thank you for contacting NetCredit. This email confirms that you have contacted NetCredit regarding a claim of identity theft/fraud.  We understand this is a serious, time-sensitive matter and will move quickly to handle the situation. Please be advised that before we can address this issue, you will have to file a police report with your local authority.  Please notify your local authority to include your bank account information in the summary of the report. This will further safeguard your credit and may carry additional benefits should you choose to file with the credit bureaus as well.

Also, please provide a signed letter from you with your name, address, date of inquiry, lender name, and reason for removal. This information will be forwarded to the credit bureau in order to have the inquiry removed from your credit report. Please fax or email a copy of your police report and signed letter to XXXX or XXXX. Once we have verified the report, we will handle your claim within 5 business days.

Please note that if we do not receive a police report within the next 7 days, your claim will be rejected. If you have any questions or concerns, our Customer Support Team is available Monday Friday, XXXX XXXX XXXX and Saturday - Sunday, XXXX at XXXX XXXX."

I have not applied for any loan with this company and their request for bank account information seems suspicious and potentially fraudulent. To protect myself from potential identity theft or fraud, I have not provided any information to them. In light of this incident, I request your guidance on how to proceed further. I have preserved the communication I received from the payday loan company and can provide it if needed.

Please let me know if you require any additional information or if there are specific steps I should take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see attached file.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told TransUnion to reinvestigate these accounts : XXXX XXXX  # XXXX and XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
I requested that Experian, XXXX, and XXXX reinvestigate the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, and XXXX  XXXX XXXX original creditor : XXXX XXXX XXXX # XXXX. 

However, they have stated that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the following sections of the Fair Credit Reporting Act ( FCRA ) in your rewording : 15 U.S.C. 1681 section 602 A. This section states that you have the right to privacy, including the right to have accurate information in your credit report. 
15 U.S.C. 1681 Section 604 A Section 2. This section states that a consumer reporting agency can not furnish a credit report without your written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section. This section states that a consumer reporting agency can not make a consumer report containing any information that is more than seven years old, with some exceptions.

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 2023-02-24
Company: EQUIFAX, INC.
State: PA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - XXXX XXXX # XXXX have violated my rights. 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. Any other adverse item of information, other than records of convictions of crimes which antidotes 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 2020-10-02
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 am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number 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 2023-04-19
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
I filed a dispute with NFCU on XX/XX/XXXX about two charges that were paid in advance for a trip that was to take place on XX/XX/XXXX and end on XX/XX/XXXX. The first charge was on XX/XX/XXXX for XXXX and the second charge was on XX/XX/XXXX for XXXX. The other charges for the trip was paid with a different credit card. Music getaways sent an email on XX/XX/XXXX notifying me that the trip has been cancelled due to unforeseen circumstances. I called the XXXX XXXX XXXX to find out that music getaways never paid the XXXX for our reservations which led to the cancellation of our trip. Since then music getaways have sent out an email talking about refunds that he have no intention of giving. I have not spoke with anyone from this company. I have sent an email to music getaways asking for a full refund because our monthly payments were not applied to the Hotel. NFCU have issued me a temporary credit upon investigation and are still waiting for music getaways to respond. Music getaways have wiped my account clean where it doesnt show that I even purchased a trip to the XXXX XXXX XXXX XXXX Also music getaways have filed bankruptcy on XX/XX/XXXX. They are telling the banks that they have a no refund policy and they have issued credit for the trip which is all lies. XXXX giving you complete access to my accounts for your records so you can see all disputed accounts are wiped clean and no credit is applied. I have always asked for a refund never a credit for transfer to a future event. As far as the future event thats not going to happen because music getaways have filed bankruptcy and furthermore hes not allowing anyone to transfer because we filed a dispute. Enclosed I have proof that funds were never paid to the XXXX XXXX XXXX they provided all customers with this letter stating they never received payment. So the non refund policy should not apply because the event was canceled for non payment from music getaways. On top of that music getaways have filed bankruptcy and have no intention of giving us a refund or credit. Please pay attention to the Responsibility and limitation of liability section in the waiver we signed for the trip. It states that payments are not kept by music getaways all payments are paid to the hotel. I also have a copy of the email that was sent by music getaways canceling the trip two days prior to departure. Good thing I have copies of my purchase with music getaways.

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 2021-04-05
Company: Byrider Franchising, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I signed a contract with a car agency on XX/XX/XXXX and it started on XX/XX/XXXX, and it was supposed to end on XX/XX/XXXX. The company thats is financing my vehicle never sent me a letter in the mail stating that I had 30 days to dispute the debt that they say I owe and it wasnt listed anywhere in the contract that I signed with them. I sent them insured mail with a green return receipt, I sent them a letter on XX/XX/XXXX stating that I want to dispute the debt. In response, they sent me a copy of my contract on XX/XX/XXXX. Then I sent them two letters of insured male on XX/XX/XXXX. One letter was a letter of Cease and Desist, they later contacted my co buyer saying that I breached the contract and that they would repossess my vehicle by XX/XX/XXXX. if I dont pay the debt. The second letter was an invoice stating : According to XXXX XXXX XXXX Civil Liability, this agency has an obligation to pay me for failing to comply with any section of the Fair Debt Collection Practices Act. 

According to congress, the Finance Charge is considered the sum of all charges. 15 USC 1692h Multiple Debts was violated when I was charged for more than just the Finance Charge. The Finance Charge was {$4900.00} cents, but I was also charged for a total sale price of {$16000.00} cents. This is a fine for {$1000.00}. 

15 USC 1692g Validation of Debts was violated when I sent there agency a letter on XX/XX/XXXX stating that I wanted to dispute the debt and they responded by sending me a copy of my contract instead on XX/XX/XXXX. This is a fine for {$1000.00}. And that is when they contacted my co buyer saying that I breached the contract and that theyd repossess my vehicle by XX/XX/XXXX. Is there anyways that you guys could assist me on this predicament?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number 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 2023-10-21
Company: Experian Information Solutions Inc.
State: IL
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 have reviewed my credit report and I don't have ownership of a account with XXXX XXXX XXXX XXXX XXXX nor do I have a collection with XXXX XXXX XXXX. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I demand this account to be removed.

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 2023-07-06
Company: Experian Information Solutions 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:
Last year, between XXXXXXXX XXXX due to extreme financial hardship, medical problems, I became a series behind on several of my bills. While I normally make a great effort to honor my bills on time and fulfill my responsibilities at this time of the late payment, I was simply financially able to make the payment on time but I made the payment. 

I have since gotten back on my feet and bought my account up-to-date with your company. 

I am now trying to buy a home, however, I am having difficulties receiving affordable ways due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing the late payment from my Credit for As a gesture of goodwill. This kind removal will sincerely be appreciated and an invaluable gift to my family and I.

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 2021-06-11
Company: EQUIFAX, INC.
State: DC
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:
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given any credit bureau or consumer reporting agency my written permission to report to them. 

I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After I ran an application for home loan and was told that child support report is still on my history from 2014! I already made two dispute through XXXX XXXX and Experian on same month of XXXX. Since I noticed that file was made from year 2014. Then the whole six years it have been there on my history without me knowing it. However, it was paid in year 2014. Why is it not closed and removed? It need to be removed immediately!

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 2022-12-12
Company: Experian Information Solutions Inc.
State: IN
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-10-22
Company: DISCOVER BANK
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:
DiscoverCard tagged XXXX as a duplicate which is in violation of law for falsifying data reported to a U.S. Government website.

Company response to consumer: Closed with explanation