BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items immediately!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied a Capital One card and was approved instantly on XX/XX/XXXX. Then the nightmare started. I provide annual income based on W-2 of last year. A couple of days later I was notified a schedule payment using the newly approved card was decline! Using the app, I found the account was restricted after annual fee was posted. I contacted the customer service the next business day and was told to submit 3 recent bank statements to verify the income. I proposed to provide the 2022 W-2 and recent paystub, in addition to required bank statements. But the proposal was rejected! 

After a whole week without any update ( no email, no phone call, no notification in app ), I called them again and was suprisedly told the account was actually closed several days ago and there was no way to reopen it. They explained that from those bank statements ( direct deposit after tax, retirement allocation and other deductions ) they couldn't reconcile the income I provided during the application. 

How ridiculous it was the way they arbitrated an applicant 's ability to repay the debt and so light-heartedly wasted consumer 's hard inquiries in their credit report. This kind of misbehavior is totally unacceptable. I have 800+ credit score for more than 20 years, it is the first time I was treated so unfairly by a credit company like Capital One. Folks, you need to stay away from it. Don't waste your time and precious credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have tried to get 2 inquires which are over 2 years old and 2 accounts that are over 7 years old and do not show any reporting. The 2 inquires are XXXX XXXX and XXXX XXXX XXXX. Now both of those inquires are over 2 years old. Now the 2 accounts in mention are XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX both of those are over 7 years old.These are the only things on my report that should have fallen off because they have been over 7 years old. I looked at my credit report and tried to get these removed due to being inactive with no luck at all.

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 2023-07-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I recently received a copy of my Transunion credit report. The credit report showed several credit inquiries that I do not recall authorizing. I reached out to Transunion and when I explained this to a rep on the telephone that they've placed inquiries on my file that I have not authorized they said theres nothing they can do nor was proof given. These inquires were not authroized by me, they are damaging and are making it very difficult for me to acquire credit. 
I have listed below the names of the inquiries 1. XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX I look forward to your assistance with getting this matter resolved, Thank you for your help.

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 2023-04-23
Company: EQUIFAX, INC.
State: SC
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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX has violated my rights.

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. In accordance with the Fair Credit Reporting Act consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. At this time Equifax is reporting a collections account with only the account number, date opened and updated along with a balance. There is no other information to show this is a legit account. The account number is XXXX, opened date XX/XX/XXXX, updated on XX/XX/XXXX with a balance of {$420.00}. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: OneMain Finance Corporation
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I and my husband took out a vehicle loan in my name from One Main Financial in XX/XX/2020. The original loan amount was {$11000.00}. 
As of XXXX I owe more than the original amount of the loan, the current balance is {$11000.00}, more than the original amount loaned, with {$400.00} monthly payments. 
Per One Main Financial, I have paid {$7300.00} on this loan and still owe more than I did when I signed for it. Again the original amount was {$11000.00}. Even with interest and 3 deferments, one loan modification, to owe more than the original amount of the loan seems predatory to me after nearly 3 years of payments. 
One Main Financial claims the reason I owe more than the original amount lent for the XXXX XXXX XXXX is due to insurances such as unemployment insurance which I have to wait 30 days from separation of a company to enact and the deferments above mentioned and the one modification. 
I disagree that this is fair. 
If I were to pay of the entire loan amount as of today I would have paid a total dollar amount of {$18000.00}. The vehicle is currently not operational either. For close to {$20000.00} I could have gotten a much nicer and newer and more reliable vehicle. 
The vehicle itself is only worth about {$5000.00} to {$7000.00} in working condition, which it is not. 
Even at a value of potentially {$5000.00}, I am upside down in this loan due to One Main Financials predatory and unclear lending practices by {$13000.00}. If I pay this off, I will have paid nearly 4 times the value of the vehicle if it were in working condition. 
Can you please review my case, I believe this is unfair and predatory and I will never be able to pay off this loan at this rate if I owe more than I began with nearly 3 years into a 5 year loan. 

Thank you for your time and considerationXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: CT
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:
I was notified and confirmed my personal credit information was involved in Equifax data breach of XXXX. Upon review of my credit report, the following inquiries were discovered and not made by me. This is my second submission of FTC complaint and Equifax has taken no action to remove these inquiries from my credit report in violation of FCRA. I am submitting another complaint. 

These are fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: MO
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 am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including provide a brief description of the documents submitted. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for you immediate assistance to remo these items in my account : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} 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 explanation
Consumer complaint received 2023-03-07
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a debit card thru my work went to use it and discovered no money in checking the card there are fees for everything except breathing. The monthly fee went to XXXX without any notice. This could be seen as predatory banking

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: AmWest Funding Corp.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today date : XXXX XXXX XXXX 

I received a letter from AmWest Funding on XXXX XXXX XXXX, that we behind the payment since XXXX XXXX XXXX till XXXX XXXX XXXX in the total amount of {$24000.00}. 

I been have financial hardship to make this mortgage payment since my work is slow down and my husband has not been work fulltime since he has an operation and perform XXXX since last few months and has to take care my son XXXX XXXX with XXXX problems since last XXXX years. 

Please help with mortgage protection program. 

Thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX or XX/XX/2019, right around the time I was contacting all the credit bureaus about the name change dispute, I attempted to access my annual credit report through XXXX XXXX, XXXX, and, while I was able to get one from XXXX, I was not able to get one from XXXX until I ordered it by telephone in XXXX since I am completely XXXX. 
A few days ago, somebody told me that Experian offers a credit boost, in which they consider telephone, internet, and utility as a means for building credit. I tried to sign up for this, but when I answered the verification questions, only one of those questions matched what they had on file. everything else they had was based on random information. I tried to create an account two times, but I was not successful. 
I called Experian during business hours at +XXXX ( XXXX ) XXXX and +XXXX ( XXXX ) XXXX, but both of these numbers only led to an interactive voice response system with no way to be transferred to a live person to have this resolved.

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 2020-03-28
Company: Experian Information Solutions Inc.
State: MN
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:
There is a XXXX  XXXX XXXX credit card with a 30-day late payment and seven years of good payment reporting on my credit reports Experian keeps on verifying it but not validating it I have spent a minimum of 4 hours on the phone with XXXX XXXXXXXX themselves and they have no record whatsoever of my ever having such an account. It shows closed in good standing with XXXX  balance but the one 30-day late payment they are reporting is damaging my credit report and Reporting negatively being the fact that there is no such proof or record of this account whatsoever at XXXX XXXX I don't understand how they are possibly validating that this is accurate account. 
I have tried disputing it numerous times and I have had numerous XXXX XXXX employees also try to dispute it. 
If Experian or XXXX or XXXX  can not simply go on there and adjust the one negative payment that the tradeline is reporting then because of the fact that there is no proof of this account or account numbers existence whatsoever I request them that the entire tradeline be deleted from my report. 
Yes they have done nothing but assure me that it is accurate on my reports and every time I call XXXX XXXX and XXXX XXXX assures me the account never existed. I do not know where to go from here but I am very frustrated at this negative payment being reported monthly.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/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 explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: CA
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 following account companies have violated my rights. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 a account with 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.

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