BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: American First Finance, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered that i am victim of identity theft and a loan was open in my name for American first finance, they are calling and reporting inaccurate information to my credit. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/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 2023-07-06
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 1. Account XXXX Account Balance {$300.00} 2. Account XXXX XXXX XXXX Account Balance {$300.00} 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 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable 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 explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$12000.00} XXXX  XXXX {$380.00} XXXX  XXXX  XXXX {$770.00} XXXX  XXXX {$1300.00} XXXX XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: OH
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 informed Experian that the XXXX XXXX  credit card account found on my credit report was fraud and they still didnt take it off they keep running me in circles I have sent them letters from bank and collection agency saying its fraud. I want it removed off of my credit report 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 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I emailed VP 's at Capital One. I called for 3 months straight and not getting anywhere. I am not even behind or ever late. I have 3 credit cards with capital one. They closed my account out without my knowledge. Did not help me when I called to try and lower the interest rate and make sure they were paid on time. They treated me horribly. I took another credit card and almost paid them in full. I live in the State of Florida and ignoring my requests for a deferral in payments that FEMA and government agencies implemented for Florida residents where I live. They are reporting I am late, I opted out of mailings, do not call. Still getting all of the above. I have emails proof I paid on time. I want to reverse my payments from my credit card and not pay them u yul these matters are resolved. Legally, I am allowed to receive a deferral due to the hurricane. These people are bottom feeders. None educated and untrained people. I am so upset my Fico score went down because of this horrible company. I want mailings to stop. All communication. This is illegal what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: DISCOVER BANK
State: CA
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:
Discover Revolving credit card was opened fraudulently. I have disputed numerous times to have the account removed from my credit report. I have told them that my mail box has been broken into few times. An email was generated that does not belong to me. I need this fraudulent account to be removed from my credit report. seems like Discover is not understanding what is an identity theft. Thank you please help me to resolve this ongoing issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XX/XX/2022, I initiated a re-investigation, new information. Documents attached

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, XXXX and EXPERIAN have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit 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 2021-07-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
not mine : FCRA violations : XXXX XXXX XXXX Original creditor : XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} XXXX XXXX XXXX {$0.00} Closed 5 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$15000.00} payment never late send proof or remove it : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$10000.00} {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On Monday, XXXX XXXX, XXXX I contacted XXXX XXXX XXXX to take advantage of a promotional offer regarding 0 % interest on balance transfers. I asked XXXX  XXXX XXXX to cancel a pending balance transfer to Chase Bank that had not yet been initiated. XXXX XXXX XXXX informed me that it was not a problem, told me the transfer was being canceled, and proceeded to take down information on the correct transfers. I was notified Tuesday or Wednesday that some balance transfers had been processed. When I did not see the transfers reflected on the appropriate accounts, I looked into my XXXX XXXX XXXX account to check the status. When I looked, I found that XXXX XXXX XXXX had not canceled the transfer to Chase Bank, but had instead sent {$3400.00} to Chase in error. I immediately began trying to get this corrected. 

After several hours of phone calls, a Chase Bank representative, XXXX, told me that because the transaction was a balance transfer, Chase Bank could not cancel the transaction from being applied to my account and could not refund or return the money to the sender. At this time and the time of that conversation, the money has been sent by XXXX XXXX XXXX but has not been received by Chase Bank. Chase Bank 's position does not add up. I have not been told how or why the transfer must be applied to my account, no exceptions, no refunds. I have told Chase Bank repeatedly that the money was sent in error and that I do not want that payment applied to my account. XXXX XXXX XXXX has contacted Chase Bank with me on the phone and told Chase Bank that they ( XXXX XXXX had a system error and that the transfer was a mistake. All I want is for the transaction of {$3400.00} be returned to XXXX and not applied to my account with XXXX. I do n't understand why this would be so complicated. I will still owe XXXX the full amount on the credit account, XXXX will collect more money in interest, and I 'm not a risk for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: MS
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX  Account Number : XXXX Delete this account. 
5. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
8. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-03-01
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-07-25
Company: Risecredit, LLC
State: TN
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:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for a cash advance loan with XXXX   XXXX. The loan was obtained on or around XX/XX/XXXX, the amount of the loan is {$3500.00} dollars. An official dispute of this loan was faxed to XXXX  XXXX by this office XX/XX/XXXX. Rise contact my client XX/XX/XXXX stating no police report was sent to the concerning the dispute of the loan. This office then faxed again to XXXX  XXXX the complete official dispute documents XX/XX/XXXX. Then XX/XX/XXXX my client stated '' XXXX XXXX '' from XXXX  XXXX ( his  phone number XXXX ext XXXX ) stated the fax was never received and the dispute was never made. My client then faxed his dispute documents himself to XXXX  XXXX and it was confirmed the dispute was received. 
As of this date XXXX XXXX has not confirmed the status of the investigation of the fraudulent account and the status of the dispute. This action is a violation of the FCRA since their action has gone beyond the 45 business day dispute time frame from the first fax of the dispute received XX/XX/XXXX and again XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Sierra Holdings LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with XXXX XXXX XXXX. Admittedly, on occasion, I am late on my payments, usually by no more than 2-5 days, maximum. On several occasions, I have received numerous calls attempting to collect the debt owed. I understand they have the right to call as collections, but excessively? Calling me 18 times in a day, while I 'm at work, is utterly unacceptable after being 1 day past due. This is harassment. On top of the harassment on my own phone line, they began calling my references. I also understand this is the purpose of a reference, however, when calling a reference and leaving a voicemail, in no way, shape, or form should voicemails be left that state, " Hello, this is so and so from XXXX XXXX XXXX calling to get in contact with XXXX XXXX regarding her auto loan with us. Please have her return our call or make a payment at her earliest convenience. Thank you. '' These are REFERENCES, not consigners!! It is against the law for them to inform anyone not financially responsible on this loan that I have an account with them, let alone that I am late on my payment. 
Once again, this is illegal. The media will be contacted to advise of these unethical and malicious collection practices to steer everyone away from using this company. 
This has caused extreme emotional distress on my part as I am constantly concerned about how they will depict my image to my references when they 're spilling all of the details of my payments. I am a human. We have all been late on something before, and we have all struggled at one point or another. Why would they want to smear the image of a customer?
I feel sufficient compensation for this extreme inconvenience and horrible practices would be to forgive one loan payment. 
Once again, I will take every method possible to expose this company for these malicious practices to steer anyone from doing business with them if they do not find a way to rectify the stress they have put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Their investigation did not fix an error on your report

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation