BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: TX
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 of the Fair Credit reporting act, this creditor, XXXX  XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. The dates include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand these late payments be removed in accordance of Law 15 USC 1681 section 604A section 2, or I will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: TX
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 of the Fair Credit reporting act, this creditor, XXXX  XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. The dates include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand these late payments be removed in accordance of Law 15 USC 1681 section 604A section 2, or I will be forced to take legal action.

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 2023-03-16
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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: PA
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 have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX and a XXXX XXXX credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed 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 2018-09-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has never contacted me through written correspondence. They have place this account on my credit report regarding a debt that I do not owe. I was never provided any details as to the authenticity of this account because none exist. I believe the creditors are partaking in fraudulent activities as this is an unauthorized account. I have disputed these accounts with XXXX, it came back as verified. This debt is invalid. Every member of my household has had Medicaid for the last 8 years which pays 100 % of ALL medical cost.

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 2023-06-08
Company: AXOS FINANCIAL, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Axos bank stole my money! My mortgage was purchased by Axos bank over a year ago and I setup autopay. Everything was going fine for a while. On XX/XX/2023 Axos bank withdrew two mortgage payments from my bank account on the same day. I did not setup two payments. When I spoke to XXXX, their customer service rep, he admitted it was the bank that had caused that to happen. He said the last time there was a change on my account was in XXXX, XXXX, but I advised him that I did not log in and make that change. He admitted the problem was on their end. Now they won't give me my money back. They said it would take 30 days to cut a check and suggested I work through my own bank to stop the payment. My own bank said that because it was an ACH initiated by Axos, my bank can't stop the payment at this point ( now 24 hours later ). 

My own suspicion is that Axos is undercapitalized and is looking for money anywhere they can find it, but that's purely speculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This bank is dishonest treats me horribke closes my checking accounts refuses to do business with me closes my accounts refuse to help and now my credit card has been charged off to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : XXXX XXXX, XXXX XXXX, NMAC, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: GA
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:
Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with XXXX XXXX  Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another XXXX XXXX XXXX Visa and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the XXXX card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the XXXX Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the XXXX XXXX Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, XXXX XXXX reported me to the credit agencies ( Equifax, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, XXXX  and TransUnion removed. Specifically, accounts that are 7 to 10 Years old or more  are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, 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 non-monetary relief
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I got a hard inquiry alert on my Transunion credit monitoring page. It was for a loan or credit application through XXXX XXXX. I called both Transunion and XXXX and no one was able to help me with who the merchant was nor take out the hard inquiry. XXXX requested for the Merchant name which Transunion said that they do not have. Transunion requested for a hand written dispute with a notification from XXXX stating it was a fraudulent inquiry. XXXX said they are unable to provide this notification without knowing the merchant involved, the XXXX rep also said she was unable to search using my social security number or any other identifying information from me. We are currently at cross roads on getting the hard inquiry lifted and putting a stop to the fraudulent request

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 2022-12-10
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022, I sent affidavit with recision of contract to my finance company XXXX XXXX XXXX, due to the FDIC rules and regulations that were violated with my contract through the dealership. I'm enclosing all documents and correspondence I've had with them. They sent me a response on XXXX with my contract saying I signed the contract so I had to pay. They then sent another letter on XXXX that suggest my rescission of contract was a scam and that I was still liable for the remaining balance. On XXXX they sent me a repossesson letter for balance of {$4100.00} by XXXX. I then sent them a XXXX form on XXXX but I forgot to sign the back so I sent another one on XXXX that was signed on the back along with a XXXX form. They then responded back with a letter XXXX saying a XXXX form was for a mortgage and my debt is not cancelled or paid or forgiven by the United States Treasury department. That's why I'm filing complaint with you. I'm trying to upload all of my documents but it's not letting me do it, can you please send a email or portal to send my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Brown’s New Credit Bureau Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i called Browns Collection Agency at XXXX i requested validation of these accounts showing where I received this type of service and they have not yet provided them I disputed these items with the credit bureaus and it has been over 60 days and still no response Browns Collections have threaten me to take me to jail if I don't pay these account all i ask them to do is to verified my accounts i want to know what services were provided i want a copy of the original contract with my wet signature and authorization for them to release my medical information I have an understanding that if they cant verify the debt it has to be removed from my credit report they keep sending threats of reporting these accounts to the credit report agencies acct # XXXX {$3100.00} acct # XXXX {$31000.00} acct # XXXX {$3000.00} balance on credit report shows incorrectly acct # XXXX {$500.00} acct # XXXX {$500.00} acct # XXXX {$720.00} acct # XXXX {$56.00} acct # XXXX {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: MD
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Credit Bureau is unresponsive to my personal information dispute and update request. 

Credit Bureau unresponsive to other dispute request.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Not only does every company need to pull Transunion which is the worst of the worst of all reporting agencies, I have a freeze on mine and tried extensively to remove this freeze for over an hour. I enter in my data online and it keeps telling me to sign up. I have an active username and password used just over 30 days ago to place the freeze on. I tried to forget password and reset and continuously get errors on Transunion ends that I can atleast get a 6 digit code to verify myself to my email but once I enter it online they give me an error that they are having issues on their end. How do you have boht online issues and phone issues where nobody come to the phone for over an hour? I've been on hold at the same time for an agent to unlock my account now and see if they can unfreeze it and nobody is answering. Now my account is locked after the attempts I made to use their easy system so that's been added to my list of needs from them, I cant unfreeze it so I can get basic internet with anew service provider in my new apartment timely and transferred to do my job where I make money to pay my bills with but Transunion is established to report how I pay my bills, make it make sense. With no internet, and no job how can I do this???? How XXXX Ironic! Why companies are still running credit reports in the middle of COVID when people have suffered financially and been late on bills just to keep a roof over their heads is ridiculous as well. TRANSUNION needs to be eliminated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing this complaint AGAIN because I need to dispute information that I feel is inaccurate, incomplete, untimely, or unverifiable. Please provide documents that show the following information is 100 % true, accurate, complete & verifiable. If youre unable to provide me with your methods of verification or verify the legitimacy of the information I need you to remove them from my file. Additionally, I am not liable for these accounts for they are littered with inaccuracies so please DELETE these damaging records immediately! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello, At Approximately XXXX XXXX EST. XX/XX/2023 I had an inbound call from the Law Office of Robert A. Schuerger Co., LPA, in regards to a debt I owe for student loans, in the amount of {$920.00}. 

I work Monday through Friday XXXX, so I couldn't answer the call, he did not leave a voicemail, but instead decided to call my younger sister, XXXX XXXX XXXX who was also working. She is not listed anywhere as a guardian, or emergency contact. 

She answered the call, and described the call as aggressive, and that he was an attorney trying to reach me, he mentioned the University XXXX XXXX, and that he was asking for my employer, and where I lived. This caused her to call me, she was very distressed, and said that he was being very aggressive, and it made her worried that I was in some legal trouble of some sort. Now I can hardly focus at work on a busy Monday morning. 

I called and made a complaint, and informed them I was filing this complaint to you as I believe that this was a violation of CFPBs Debt Collection Rule. 

XXXX XXXX XXXX Man who called Law Office of Robert A. Schuerger Co., LPA, XXXX XXXX XXXX XXXX, OH XXXX XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SYNCHRONY FINANCIAL
State: TX
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:
This creditor stopped accepting my payments and then marked ME as late on an open account. 

In accordance with the fair reporting act Synchrony Bank/ PayPal has violated my rights. Under 15USC1681 section 602 states : I have the right to privacy.

15USC1681 section 604A section 2 It states that a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 monetary relief
Consumer complaint received 2021-03-04
Company: World Acceptance Corporation
State: AL
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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 XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Incomm Holdings Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Hello I received two Visa debit cards from Vanilla as a gift. I opened both of them for the first time and prior to making my first purchase I found out that both my cards had fraudulent charges. One card had a fraudulent charge of {$50.00} and the other one had two fraudulent purchases of {$70.00} and {$25.00}. When I called the customer service number, it about 40 minutes to get in touch with a live agent. They have agreed to put both the cards and the related fraudulent charges under dispute investigation. This also makes the remaining balance on my cards inaccessible. This is terrible customer service and lack of security provided by Vanilla.

Company response to consumer: Closed with explanation