BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2018 I purchased a new Vehicle from  XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted XXXX, Equifax and XXXX  and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
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:
Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations.

1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX  10.XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX 13.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 2018-04-23
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company ACCOUNT RESOLUTION SERVICES CLAIMED THAT THEY'VE CLOSED AND DELETED REFERENCED ACCOUNT NUMBER XXXX BUT IN FACT THAT'S A LIE! THEY RESOLD THIS ACCOUNT TO COLLECTION COMPANY " XXXX XXXX XXXX '' I'VE ATTACHED SCREENSHOT FROM PREVIOUS COMPLAINT ABOUT THIS COMPANY STATING THAT THIS ACCOUNT XXXX WAS CLOSED AND DELETED THIS WAS NOT THE CASE. THEREFORE I'M PROVIDING PROOF OF THERE LIES. 

AND SEEING HOW THEY'VE OUT RIGHT LIED TO THE CFPB BY MAKING FALSE CLAIMS OF FRAUDULENT DELETION IS AGAINST FEDERAL LAW! THAT'S VIOLATING MY RIGHTS AND DISRESPECTFUL TO THE CFPB 'S INTELLIGENCE! THESE THREE REFERENCED ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR I'LL DEFINITELY TAKE LEGAL ACTION. 

Delete account 's from my credit report : 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 2018-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I transferred a balance of XXXX to my Capital One credit card by clicking the " Transfer and Save '' button in an email that was sent to me by Capital One offering 0 % APR for XXXX months. The request was approved and the confirmation read : While you carry a promotional balance, you'll see an additional payment option - the Interest Saver Payment. Pay at least this amount each month to avoid interest on new purchase without having to pay your balance in full.

The original email also contained information about avoiding interest charges : Q. Can I avoid interest on new purchases after I accept this offer?

A. Yes, you can! Pay your Interest Saver Payment ( the minimum payment plus all your non-promotional balances, including purchases, cash advances, fees and finance charges ) by the due date each month, and you wont pay interest on new purchases. You can find the Interest Saver Payment amount on your monthly statement and your online account as a payment option.

The first statement since the transfer posted, on XX/XX/XXXX, was generated on XX/XX/XXXX. This statement did not include a Interest Saver Payment on the monthly statement or online, so I called customer service. I spoke with XXXX XXXX, who worked with a female supervisor. She told me that my Interest Saver Payment would be XXXX, but that she could not produce anything in writing verifying this. For this reason, she transferred me for further assistance. I then spoke with XXXX XXXX, a General Account Supervisor, who said that the transfer did not appear to have promotional terms. He said that there was a known issue, that some customers experienced a transfer that did not have the correct terms. He advised that a case would be opened to investigate this matter and that a decision should be made in XXXX billing cycles, and a letter sent in XXXX days after that. He said that in the meantime, the balance that would begin to accrue interest but that it might be refunded to me if it were determined that I was not given the correct terms. He said that he was not able to do anything further to assist me in getting a resolution before my balance was due. He said there was not anyone at Capital One that he could escalate my issue to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2018-12-31
Company: EQUIFAX, 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:
My problem is that's Equifax refuses to remove XXXX XXXX  from my credit report I have made several attempts to get it removed. I have sent in court documents from when I was being sued for the remaining balance of a car that I never agreed to have in my name.. the judge dismissed the case against me without prejudice.. because it doesn't belong to me.. the other two credit agency 's have already removed it!!! 
but Equifax said that XXXX XXXX  said that the information is correct.. that can't be the case since the other two have removed it already.. this is stopping me from buying a house..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to capitol I was unable to get though due to high call volume. I tried to contact capital one though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since capital one refused to respond to my requests, they caused a 30day late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by capital one 's own company. They still refused any assistance on resolving the error and sent a letter saying they will not remove the error late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have always paid my bills on time and I am having an issue with Kohls where my auto pay stopped and I was not aware. I have also recently moved. I am requesting that all late fees from XX/XX/2019 are reversed as they were charged after I was told they would be waived by associates on the phone. Kohls says that have no record of such request. Some fees have been reversed but not all. 

XX/XX/19 LATE FEE {$27.00} XX/XX/19 INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/19 LATE FEE {$27.00} XX/XX/19 INTEREST CHARGE ON PURCHASES {$1.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several companies listed inquires on my report that I did not personally request. I have contacted XXXX and notified them that I have been a victim of this and got no resolution.

XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: CARD Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I filled a dispute with the card.com and I sent the form and while my case was being over looked and investigated I was credited money on my account thinking it was my refund for the dispute I filed but later on I was charged for that money and I was denied for the unauthorized transactions. Now Im charge for money I dont have please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion has supplied ( via XXXX ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF.

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called XXXX multiple times and they have forwarded my complaints to TransUnion. I called TransUnion multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
I contacted EWS regarding how XXXX was reporting me and that I was a victim of Identity Fraud, but they disregarded my claim and stated that they " verified '' that the information was accurate although I had an active fraud alert on my account. 

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ),  while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: AZ
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 personal information was compromised from the XXXX XXXX XXXX XXXX XXXX XXXX data breach that occurred on XX/XX/2018. I reviewed my Experian credit report and there are fraudulent and unauthorized credit inquiries listed on my Experian credit report that are fraudulent, unauthorized, not mine, and from the XXXX XXXX XXXX XXXX XXXX XXXX  data breach. The Following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX XXXX, XX/XX/2018, and XXXX XXXX XXXX, XX/XX/2018.

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 2018-04-24
Company: Experian Information Solutions Inc.
State: NY
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:
Back in XXXX I sent to Experian a request to investigate inaccurate information which hurt my credit score, Experian told me they will not reinvestigate mu dispute after I submy support documentation which I did in XXXX but the results are not according to FCRA.. I did your job to provide reports with inaccurate information and according to FCRA is the same source show different information from the same furnisher in the 3 bureaus this information the account must be deleted frpm the report.. 
I dont want a reply from you asking me to provide more documentation which obviously you ignore and keep reporting inaccurate information.. 
My job is only verify all the information in my credit report is correct, if not, under the FCRA this informatioj must be deleted inmediatly, .. This is the third time I am asking to investigate without any result to remove the accounts from my 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 2018-04-24
Company: EQUIFAX, INC.
State: MO
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'm contacting these agencies in regards to credit misrepresentations, there's collections on my report inwhich even the orginal account has been removed due the investigated accounts not being mines. So the collections themselves must also be removed, in order to satisfy the language in the FCRA, the dates to reflect them accounts are as following ... XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: NATIONWIDE ACCEPTANCE LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Company has called 23 times in 48 hours left 8 voicemails NOT identifying the company they are with. Most calls are back to back with in 1-4 minutes of each other. I am in able to answer calls during business hours of XXXX XXXX to XXXX XXXX MST due to my own working hours or due to my location. I have made payment arrangements with the company and will call to make payment over the phone when I am available to do so not at their convenience. This is my first late payment and this is how you are treated. Wow what a sad disappointing company. If I could refinance elsewhere I would IMMEDIATELY! DO NOT FINANCE WITH NATIONWIDE ACCEPTANCE CORP.

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