BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: NJ
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:
I am currently applying for a mortgage, and the lending companies are unable to get by 3rd credit score from Equifax. They have no problems getting my credit report from the other agencies. I have contacted Equifax about this problem at least 10 times over the past month and a half. When I call, I am told that they can't find my file with the information I give them. They requested that I fax documents for proof of identity and residence. I did this, and received a letter in the mail from them saying they can't locate a credit file for me. I called back several times, and the agents say that my previous calls have not been documented, and the fax I sent in was not attached to my file so they can't see it. They then tell me that they are unable to help me with my problem, and when I ask to speak to a supervisor they tell me that there may not be one available. They then place me on hold, and either hang up on me, direct me back to the main line, or tell me that there are no supervisors available and to call back another day. ( This has happened multiple times with different agents ) Today I spoke with an agent, XXXX : ID # XXXX, and the only solution she offered me was to resend the documents even though the agency already received them. She could not guarantee that this would solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: WI
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 Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus Equifax and XXXX to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus Equifax and XXXX that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA . 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
I reviewed my TransUnion Credit report and submitted a request to validate hard inquiries on my credit report that were not recognized as authentic or authorized. 

Transunion sent a form letter dated XX/XX/2019 indicating that inquires remain on my credit report for two years with no credible investigation and an incomplete answer to the disputed inquiries on my credit report. 

They also solicited me to sign up to their free " XXXX  '' protection service.

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern there was some fraud on my account. I would like to update my account to accurate information. I have a few inquiries that i never signed up for, i have no knowledge of and never gave anyone authorization to sign anything under my name. Here are the items that are erroneous XXXX XXXX from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX/XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX and XXXX XXXX  Inquiry from XX/XX/XXXX. I have sent letters to these companies some were removed on XXXX but never transunion.

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 2020-05-07
Company: MARINER FINANCE, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I took out a loan for a used vehicle from Mariner Finance. The company worked with me until the vehicle got to a point that it always had something wrong with it. At that time ( about XX/XX/2017 ) I told the company I was going to have to buy another vehicle and I would not be able to pay a big payment or be able to fix the vehicle. They would'nt lower the payment enough for me to afford. I then told them that I can't pay. They then started calling and calling, I told them the same thing over and over again. They finally stopped calling. While checking my credit report, I noticed they had sold the loan to another lender. I never got any notification of that. I called Mariner finance and they told me who they sold it to ( I don't remember the name of the company ) but I called that company and they told me they had sold the loan to another company, so I called that company and they said they sold the loan as well. I never got notification from anyone, not Mariner Finance, or the other 3 companies who bought the loan. I did get a phone call early last year from someone telling me that I owed them for the vehicle, but I told them not to call me anymore and that I was not paying because they are not holding the lien on the vehicle. Mariner Finance is still holding the lien on the vehicle. I'm not sure who to pay for the remainder of what I owe on the vehicle and I am not sure who should be holding the lien. I am not paying someone and then not getting a lien release from someone else. This is a very confusing situation. I know I have rights and I am sure that someone should have let me know what was going on with the vehicle.

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 2022-07-05
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 XXXX XXXX Account # XXXX, US DEPT ED account # XXXX, XXXXDOE account # XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account # 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.

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 2020-05-07
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
fcra violations : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband is approved for indigent medical care under XXXX XXXX. A division of theirs keeps calling and will not give name, but asks personal questions over the phone about who I am. I keep telling them to contact me via mail and they refuse. Their phone # XXXX in XXXX XXXX TN. They just say they are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
State: NJ
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 unauthorized inquiries reporting on my Equifax report. I have contacted the XXXX XXXX and XXXX as well as Equifax for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: KY
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:
There are 3 creditors that pulled my credit report that I did not give permission too there is only one and that is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, and XXXX. I did not give these people permission to pull my credit report on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving countless certified letters and phone calls from Pressler and Pressler stating I owe them for old debt. This debt was charged off by the original creditor and sold to them for pennies on the dollar. I have attempted to speak to them about the matter multiple times without success. I asked for them to provide me with the original signed contract, a copy of a statement, and the exact charge off amount, and have yet to hear anything in reply!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Block, Inc.
State: MD
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 had the correct amount on my card. I made a purchase and it was pending due to the merchant. Somehow, they placed a negative balance of {$21.00} on my account. They claim it was due to the other company. I do not agree with why my account is in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

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 2021-02-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2021-09-09
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 While searching online to buy a new XXXX puppy I came across XXXX XXXX XXXX and contacted them hoping to purchase a dog. 

On XX/XX/2021 I made initial contact with the seller and began the process of buying the dog. The seller continuously changed the terms of the sale to complicate the process while requesting even larger payments of additional funds to cover previously nonmentioned costs. These include refundable deposits as well as soliciting a " refundable insurance policy ''. After payment was made I then asked for the money back due to even further requests for more fees and then became aware of the scam as the seller was nowhere to be found. I then reached out to the shipping company where it became apparent that it was also a component of the scam as they then requested an additional {$1900.00}. The three individual payments made were : {$1.00}, {$540.00}, and {$1400.00}. Payments were made to the seller via Zelle integrated into the XXXXXXXX XXXX XXXXXXXX. After contacting XXXX on XX/XX/2021 looking for assistance and potential recourse they stated they had little to do with the matter and that the concern should be taken up with Zelle individually. Zelle will not provide any aid or recourse. 

While collecting documentation for this complaint I was able to identify web host and payments processing services used by the scammers. Supporting documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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:
To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: AR
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 is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$24000.00} XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America Credit Card - On XX/XX/2020 at about XXXX from California , I paid my credit card bill through the automated phone system. The automated system recorded the payment as being made on XX/XX/2020. I live in California. Bank of America 's phone system records interactions in East Coast Time. They are fraudulently collecting late fees from two-thirds of the country by recording payments in East Coast time. Bank of America 's late fee policy is applied unequally based on the time-zone of the customer 's calling location and is an unfair business practice. Customers in Central and Pacific time zones have 120 to 240 minutes less to make a payment before being charged a late fee. It's unreasonable, it's not advertised, it's absurd. On XX/XX/2020 I spoke with a Bank of America representative to dispute the late fee and to dispute the practice. First she stated " your payment was made on XX/XX/2020 at XXXX XXXX XXXX and is due on XX/XX/XXXX ''. I told her I made it at XXXX Pacific Cost Time. She told me the system recorded it in East Coast time and that I was in the wrong. She told me if I'm on the West Coast then my payment is due at before XXXX East Coast, on the first of the month. I told her this is not advertised, the automated system only says it's " due on the first ', and that it's an absurd and unfair practice regardless. I said I've filed a complaint with the FTC ( Error - I filed a complaint with the Federal Reserve Board ). She immediately refunded the late fee. She said there was no confirmation number for our transaction and she couldn't send me an email verification. I am complaining about the practice, it's unfair, Bank of America is fraudulently collecting late fees, and it is recording the time of calls in error so that many customers may be confused or outright lied to when phone center staff are insisting phone calls came in hours differently than when the customer called. It's possible this system is also generating fraudulent fees for the bank and disadvantaging customers with other financial products as well.

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