BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I have Fraudulent Hard Inquiries on my credit report. Someone applied to Financial Organizations in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX  XXXX XXXX, 2022 XXXX  XXXX. XXXX, 2022 XXXX XXXX. XXXX, 2022 It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 


Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Please remove these inquires 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 non-monetary relief
Consumer complaint received 2020-02-26
Company: Better Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Better.com has a price match offer on mortgage rates and closing costs. Please the page below for the " fine print '' ( attached as well, in case they update it with " exclusions '' ). 
https : //better.com/faq/better-guarantee/whats-the-fine-print Unfortunately, the fine print does not mention exclusions, which after working with a loan officer privately, mentioned the loan estimate I presented, which I was told they could not beat the offer, added that my estimate is ineligible for the price guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Theyve been constantly taking the amount of {$26.00} out of my account quite some time now and I was told itll be XX/XX/XXXX once Im through paying I would like to stop these payments from coming out of my checking account please here are a few dates showing where its been taken out XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Hello I would like to get my childs 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00}

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 non-monetary relief
Consumer complaint received 2023-02-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX Date : XXXX XXXX Amount : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX has 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i found that somebody had been making charges on my debit card for approximately XXXX dollars i contacted the bank they stopped my card and started a new card out to me and started a investigation during this time they sent me a temporary funds to my account after about 2 weeks they said investigation showed that about XXXX was fraudulent but the rest was not the answer was that the online merchant which was a casino said they had my email address and name attached to the charges i asked the banck for this infor which took them roughly a month to get the ip addresses do no come back to me plus i had a black web scan done through XXXX  credit that came back with all my personal information on it i sent the info to the bank fraud department the still wont call me back this has been going on for about three months now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: BANKERS HEALTHCARE GROUP LLC
State: FL
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 for a loan with Bankers Healthcare Group LLC in XXXX of 2021 I was denied for unknow reasons didn't receive adverse letter until day 30. So I applied for another one of their products which was a business credit card I was also denied saying they couldn't verify my identity which is untrue because my personal and business credit was pulled by XXXX  that caused an hard inquiry on my credit report. 

The reason given for the credit card application was " unable to identify my identity '' and was told to call XXXX, which I did and they said there was no reason for the company not able to identify me because all my personal information is up to date. 

So I feel that the company is violating my ECOA because they are not giving my a vailed in-depth reason for the denial so I can fix the problem to reapply in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Was not notified of investigation status or results

Complaint:
I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, a natural person, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: IL
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 have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with this matter.

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 2021-11-17
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I sent a dispute to Equifax regarding a public record of bankruptcy reporting on my consumer report. I received a response on XX/XX/2021 stating that it was verified when I spoke to a representative, i was told that it was verified through XXXX XXXX. I then called XXXX XXXX and they verified that there are NO bankruptcy records for me in there records. XXXX XXXX provided me with a copy of my report and it shows no bankruptcy records as well XXXX also contacted the court and they informed me that they did not report to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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: Problem with personal statement of dispute

Complaint:
I sold my house XX/XX/2018 and paid off all my bills. XXXX  XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XX/XX/XXXX I made no more payments which means XXXX  XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.

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 2023-04-25
Company: Experian Information Solutions Inc.
State: VA
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:
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: DE
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:
I have sent experian, XXXX XXXX XXXX dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS 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 2021-11-17
Company: Continental Finance Company, LLC
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: Account status incorrect

Complaint:
My XXXX XXXXXXXX XXXX is reporting me 30 days late for XXXX when my XXXX payment is not due until XX/XX/XXXX. I have scheduled a payment for this Friday and they refused to correct the reporting. Im technically not late until the XXXX. Their phone number is XXXX. My name is XXXX XXXX XXXX and my phone number is XXXX. I am in a situation where they dropped my credit reporting XXXX points due to this and accuracy and the timing couldnt be worse Im in the midst of trying to purchase a new vehicle due to a theft of my vehicle etc. please help thank you

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 2021-11-17
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXe of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXXXXXXXXX XXXXate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: LEXISNEXIS
State: MO
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 have previously filed a complaint against Lexis Nexis ( who I obtained a security freeze with on XX/XX/21 ) for providing XXXX information about me in the month of XXXX. I have not received any correspondence back from Lexis Nexis concerning the matter. After speaking with a rep at CFPB I was made aware of a letter that Lexis Nexis sent stating they did not receive identifying info from me. This is false as I have e-mails to prove correspondence and proof that I sent them the ID info they asked for. They sent a letter stating they did not know what I was talking about when confronted with the information they shared with XXXX. I am now filing a new complaint due to info I received from XXXX on XX/XX/21 ( the day before their response letter to the CFPB ) letting me know that they had obtained third party public record information on me from Lexis Nexis. This is against the law!!! The CFPB has VERY CLEARLY laid out the guidelines by which entities may obtain info on consumers that have a security freeze. Lexis Nexis should know the credit bureaus ARE NOT included in that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 called and spoke to Capital One and I explained that I had to close my checking account due to fraudulent activity and I called when i realized that a payment was about to come out I told the representative about the situation and she told me that I will still be charged a late fee and return fee and this is total unacceptable when I tried to let them know what was going on and the next day I paid the {$65.00} on next day so I have been charged a late fee and also a return fee and I know for certain that this is wrong and no one is willing to help at this trying time something needs to happen I feel like everyone is XXXX can agree that Capital One is a scam with all the interests and fees they are charging

Company response to consumer: Closed with explanation