BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
After the Equifax breach or all of our personal info, I read an article put out by the XXXX Association of Realtors warning of the calamities in the housing, mortgage & credit markets that is soon to come when so many of us will have fraudulent charges to deal with. The article directed to an Equifax website that would explain how to put a credit freeze on all 3 credit reporting agencies. I went there and they had a message saying how they were swamped with requests and could not currently have the online request for available but gave a phone number to do it instead. When I called the phone number, the person said they were not set up to take freeze requests. WAhen I asked what number was, the person put me on hold to ask. When he came back he said it was impossible. Everyone has to do it online. I went online to do some more investigation. I found out that the freeze requests are being taken by a 3rd party  company who asks for your full information, including basically all that was lost by Equifax in their hack scandal in the first place. I ca n't see how making consumers risk one more place to have their info get hacked and stolen online is any kind of a solution toward safeguarding their jeopardized credit form a company in which they have no control over how that company uses or does n't safeguard their info. This is outlandish. What can be done? Apart form that concern is another ... .If someone does not have a computer or access to one, they can not be compelled to comply with online requests being the only option. Handicapped or poor people have to be accommodated in another way! Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Currently Honda Financial Services only accepts purchase from Honda and Acura Dealers. This practice creates a disadvantage for me as a customer since the Honda and Acura dealers will offer disadvantageous terms in the loan used to repurchase the car. 
I would like to sell the car to XXXX, which is a car dealer, and has a reputable history of operations. This will allow me to collect higher resale price. Honda Financial Services stated that they will NOT accept a check from XXXX and that the title can not released. 

I asked how long I would have the title released so I can resell to XXXX, HFS will only release and provide the title in 3 or 4 months!!! 

This situation is exploitative since the shortage of used cars in the market and XXXX intent do collect benefits to their Honda Dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Penn Credit is trying to obtain money from me that I do not owe them. I called XXXX XXXX XXXX ( Original Creditor ) to get information on the account and they have no documentation or any paperwork that they can send me that can prove that I did not open this account. I explained to XXXX XXXX that this is fraud and I would like to fix the matter. XXXX XXXX told me that they could not do anything about it anymore. I have disputed this account with the credit reporting agencies XXXX, XXXX & XXXX and explained that this was Identity theft and the company does not have any documentation or any paperwork that would show that I did not sign up for utilities and that my signature would not be located on any of these documents. The dispute did not remove the items and they are still on my credit report pulling my score down. I contacted Penn Credit and the Customer Service Representative was not helpful either. All they have is a document showing that my name owes XXXX XXXX money but this is completely unacceptable. Someone used my information to open this account and I would like this item removed from my credit reports. It does not seem logical that there is n't an identity verification process that would verify the identity before issuing a line of credit ( Post pay Utility Credit ) to someone. This Debt does not belong to me and is Fraud and I would like to know what needs to be done to fix this issue so that my credit Report will be accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a chilly of my credit report because of some issues I disputed and today I got an alert showing that old addressees were out back on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: FISERV 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - 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 explanation
Consumer complaint received 2019-04-26
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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; U S DEPT OF EDXXXX XXXX ; US DEPT OF ED/XXXX XXXX ; XXXX XXXX ; US XXXX XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 Payment was made to XXXX XXXX in the amount of XXXX for a concrete counter top. Services were not rendered and Im stuck with a incomplete kitchen county and leaking sink. I called Chase to dispute the payment for not completing the service requested and Chase is saying they cant help me. If they cant help me why are they offering a the quick pay service. I made a significant note of who it was for which was XXXX XXXX XXXX, XXXX. Im in the process of having lawsuit filed against them. However I would like my money back so I can hire a company that will complete the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX- XX/XX/XXXX I have notified original creditors and collection agencies regarding my Identity Theft and have not been able to get items blocked or requested validation of debt from original creditors as something with my signature ; all companies involved was provided with my Driver 's license and Social Security Card which they updated the information to my current address and said the account was valid even though I supplied a police report and Identity Theft report. 

XX/XX/XXXX -Experian refused to block the Identified accounts on several request and in stead placed a statement ( Account Information disputed by consumer ( Meets requirement of Fair Credit Reporting ACT ) with no deletion or verification from the company as requested even though the accounts are from the Identity Theft ; Experian did not investigate nor request documents from the creditor only says its valid.

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 2017-07-30
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them onXX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX
At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a signed contract with AFNI. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It's saying the account is still opened. It shouldn't be. I paid my loans off within 2-3 months when it was supposed to be a year loan! I've tried to dispute and that doesn't work. It did tell me it would stay on my credit for 10 years. Then I also figured out this kind of loan is actually a bad loan to have on your credit report. Makes other creditors think you're risky. I don't know why it can't be removed! They got their money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX I attempted to open a bank account in Texas through XXXX Bank Online, I was denied the ability to do so and informed my credit has been frozen through Experian. I attempted to utilize XXXX  online form to lift the credit freeze and again was denied the ability to do so and then given mailing instructions. I followed these instructions verbatim and have not been contacted to resolve this situation. 
I also went through the same procedures with both XXXX as well as XXXX. 
In the case of XXXX, I was able to resolve the matter over the telephone, the agent informed me that these credit freezes were placed back in XXXX, which I could not understand because since the beginning of XXXX I have opened multiple accounts through a number of different financial institutions in different states within the U.S. 
In the case of XXXX, I attempted to fill out the online form which required a mobile phone number which I do not have and because of this the agent instructed me to mail two copies of ID and a cover letter with my request to lift my freeze and explained that I would hear from them in less than 10 business days, of which never occurred. 

For all documentation mailed, I payed for certified mail back in XXXX and still hold the tracking information.

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 2019-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX Bank ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

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 2017-07-28
Company: Experian Information Solutions Inc.
State: PA
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:
A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, XXXX. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.

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 2022-01-13
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I sent an {$800.00} payment to a friends account on Cash App. Unfortunately it had been a few years since she used Cash App, and when she re downloaded the app she was unable to log in to the account I had sent the money to. She contacted support through the app and exchanged messages with over 10 robotic-seeming customer service advocates who kept asking her to prove her identity, which she did, but then was told information was incorrect or missing without explanation when it was not. On XXXX XX/XX/XXXX I began to contact Cash App in-app support for help refunding my money, since my friend was not gaining access to the account. I was shuffled between 8 different advocates who kept repeating the same thing, that they could not help me, and ignoring the content of my messages until finally my complaint was escalated to email support. Finally on XX/XX/XXXX a cash app support manager named XXXX emailed me saying he could not refund the payment and could only work with my friend, the recipient. I added my friend to this email exchange and she gave him a detailed account of her history trying to gain access to the account. He responded that a specialist reviewed her account and determined that they could not help her gain access to her account or the {$800.00} that I sent her and he was unable to provide further information for this particular case. A complete dead end which has left my {$800.00} locked in Cash Apps investment funds and myself unable to get refunded for this. For a company that made {$5.00} BILLION in profits in XXXX the complete lack of support is truly criminal. The support number just hangs up after an automated message saying none of the advocates are available to help, and to use in in-app support. It should not be this hard to reverse a payment, particularly when no one has received it by officially accepting the funds. 

It also should not be this hard to verify my recipients identity, to transfer the balance between her old and new accounts or to grant her access to her old account. Any reputable banking system would have been able to provide support to fix this immediately the day after it happened back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, 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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Sent letters to credit bureau asking for how they verified information to be accurate for it was not. They keep stating it meets FCRA requirement however never send me the information that I am looking for and that proof the account is mine and how did they verify said account. 

XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1900.00} XXXX University I never attended. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NC
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The personal information on the credit report is fraudulent

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}

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 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
bankruptcy can not be verified by courthouse but they said its been verified. So if the courts cant verify this than who has the authority to verify? XXXX could not verify there fore they removed bankruptcy so why are XXXX  and Transunion saying the opposite?

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