BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX XXXX XXXX Credit Report Credit Summary Personal Information All Accounts ( 57 ) +57 ( New ) -0 ( Deleted ) Derogatory Accounts ( 6 ) +6 ( New ) -0 ( Deleted ) Public Records ( 0 ) +0 ( New ) -0 ( Deleted ) Late Payments ( 1 ) +1 ( New ) -0 ( Deleted ) Inquiries ( 15 ) +15 ( New ) -0 ( Deleted ) Creditor XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MORTGAGE SOLUT New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Credit Bureau Inquiries Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MTG New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Commercial Banks Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you XXXX, EQUIFAX XXXX XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX, I submitted dispute number XXXX and requested the removal of inaccurate Phone Records , Records 1 & 2, from my LexisNexis Consumer Report. 
On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Unverifiable. On XX/XX/XXXX, LexisNexis provided a Report of Investigation ( Consumer Number XXXX, Case Number XXXX ) and determined the disputed Phone Records to be Accurate. On XX/XX/XXXX, in response to LexisNexis XX/XX/XXXX communication, and pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), I submitted a Method of Verification Request ( XXXX ) to LexisNexis. Pursuant to FCRA 611 ( a ) ( 7 ), the 15-day statutory deadline for LexisNexis to respond to my Method of Verification Request was XX/XX/XXXX. LexisNexis refused to respond to my Method of Verification Request dated XX/XX/XXXX, within the 15-day statutory deadline ( XX/XX/XXXX ) as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). Therefore, I demand that the unverified Phone Records, Record 1 & 2, be promptly deleted from my LexisNexis Consumer Report. Additionally, I am interested to learn how LexisNexis was able to conduct a reasonable investigation and verify the disputed items as accurate with a source that no longer exists. XXXX XXXX XXXX was purchased by XXXX XXXX XXXX on XX/XX/XXXX. Details of the purchase may be found on page 11 of XXXX XXXX XXXX filing with the United States Security and Exchange Commission dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CITIBANK, N.A.
State: MD
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:
Citibank has been incorrectly reporting a charge-off on my credit report to credit bureaus, which I have been disputing for the past 6 years to no avail. They report that the credit limit was {$14000.00} but the charge-off amount was {$18000.00}. On XX/XX/XXXX, Citibank sent an IRS XXXX Cancellation of Debt, which contradicts their false reporting : 1. On the XXXX, Citibank shows a balance of {$14000.00}, which contradicts the {$18000.00} they report. 
2. On the XXXX, Citibank falsely claims the " date of identifiable event '' is XX/XX/XXXX. 
3. On the Credit Report, Citibank falsely claims the " date of major delinquency reported '' is XX/XX/XXXX. 
4. On the Credit Report, Citibank falsely claims the account was 60,90,120 days in XXXX. 

The scheduled payment amount, balance, amount past due, charge off amount, date of first major delinquency, history are all false. Further, Citibank refuses to report months when account was paid on time. Citibank refuses to report accurately in an attempt to re-age account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my XX/XX/XXXX. I have paid my mortgage if {$1500.00} Every month, which includes home owners insurance. I added flood insurance shortly after I closed on my home. my mortgage started out with being with XXXX, but shortly after switched to US BANK. My AC went out on Friday XX/XX/XXXX. I had to get a brand new XXXX unit, and that was installed Saturday XX/XX/XXXX. I called my insurance company to see if they would cover, they stated that I have not had insurance since XXXX of this year. They said due to adding floor insurance, there was a difference in pay. Also, they still had XXXX Mortgage as my mortgage company, not US BANK. So my questions were, why wasnt the floor insurance amount added to my payment? Why didnt US BANK notify my insurance company the change in mortgage, and where is my money going that I have been paying for every ruby month? 
Because the payment hasnt been paid since XXXX, ( XXXX dont know why XXXX, as I added flood insurance Months before that. ) the insurance company will not relapse my policy, and will have to get a brand new one. There has been zero communication from US BANK on this. I have called and spoke to insurance company XXXX XXXX and 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 2022-12-16
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently found that I have been getting a monthly charge on my paypal account from XXXX going back two years. I was unaware of these charges as the charge name said XXXX and I confused it with a different subscription I had been using. 
I tried contacting XXXX and they told me there is nothing they can do and I need to dispute it with paypal. I told them they can look up my account and see that I never used their service but they said it didnt matter. 
I tried to dispute the charge with paypal and they responded that there was nothing they can do either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24
Company: CITIBANK, N.A.
State: NV
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:
Dear sirs : I applied for a Citibank AAdvantage Mastercard ( ending in XXXX ) while purchasing XX/XX/XXXX tickets online ( on the XXXX XXXX website ) on XX/XX/XXXX. The only reason I signed up for the card was so that I could receive a credit ( {$250.00} ) on the tickets I was purchasing. After being approved for the card, I was not able to ever utilize the card to purchase the tickets. Citibank did not make it possible for me to use the card, and receive the bonus they were offering when signing up. 

The Citibank AAdvantage offer reads like this : " New cardmembers can also receive up to a {$250.00} statement credit on eligible XXXX XXXX purchases ''. In order to purchase the tickets in a timely fashion ( due to a good price ) I had to utilize another credit card, as I had not received the physical Citibank AAdvantage card yet and they would not provide me with the number of the new card so that I could make the purchase on the XXXX XXXX website. 

I contacted Citibank and XXXX XXXX on 6-8 occasions in the ensuing days in an attempt to utilize the Citibank AAdvantage card to make the purchase, but I could not make any headway. I was very frustrated by the customer service experienced by Citibank, who couldn't seem to understand how to help me. Complicating matters were the out of country customer service, and being given conflicting and incorrect information by the Citibank customer service representatives. 

Thank you for looking into this, 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 2020-07-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have a 39 month lease that terminates in XX/XX/XXXX. All payments are up to date and the account is in good standing. I no longer need the car. In XXXX of XXXX, I listed the vehicle on the nationwide lease exchange known as " Swap a lease :. This site advertises for individuals to take over the lease. I have had no less that 20 offers to take over my lease. Unfortunately, Infiniti Financial Services - a division of Nissan Motor Acceptance has issued only 1 lease transfer. It took almost 6 weeks - when they finally did issues the paperwork, the buyer had moved on to another vehicle. 

Dealing with Infiniti customer service is a joke. They outright lie to you. They mis-represent and ( in my opinion ) have no intention of allowing me to transfer this lease to another individual. I keep paying every month for a car I am not using. Infiniti has no incentive to help me. I have no leverage - except to file a complaint with this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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:
There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  ( XXXX ) Address : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( Equifax ) Inaccurate late reporting : XXXX - ( XXXX, Equifax & XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( XXXX & Equifax ) ; Balance - {$90000.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2700.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX  - ( XXXX, XXXX, Equifax ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ; Balance - {$2600.00} ; I was never late on this account, please remove late reporting. 

USDOE/XXXX - ( XXXX & Equifax ) ; Opened - XX/XX/XXXX ; Opened XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

The following accounts are reporting either due to error or Identity Theft, Please remove the following items : US DEPT ED - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX  ) ; Bal : {$11000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX - ( XXXX & Equifax ) Opened - XX/XX/XXXX ; Bal : {$1100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$3800.00} ( XXXX ) ; {$0.00} ( XXXX ) ; {$3300.00} ( Equifax ). This account belongs to someone else or it is a direct result of identity theft. 

US DEPT ED - ( Equifax, XXXX, XXXX ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$8200.00}. This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( Equifax, XXXX, XXXX  ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Equifax & XXXX ) ; Bal : {$0.00}. This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  EQUIFAX MORTGAGE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: MI
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CCF Intermediate Holdings LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Recently robocalls sent to my relatives and mentioned legal action, saying there were two complaints : that I attempted to defraud a bank and unpaid pay day loan in 2015. I called the numbers and they listed addresses I've rented at but I've lived in my current residence 7 years in another state. They knew my birthdate, as well as former job, which can all be found online. Mentioned that I've never gotten a certified letter and all my other forwarded mail reached me no problem. No clue what they're talking about and he backed down when I said since they have my current address they could send a certified letter there and I'd have my lawyer take a look. 
XXXX, XXXX were the two numbers they gave to my relatives. 
My social security was leaked during a data breach from XXXX a few years ago so I'm thinking that's where they may have been able to get so much information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been seeing Experian Credit charges on my banking statements for months, but each time I call, the automated system tells me that I have 'free ' memberships, and ends the call. I have tried to get in touch with a live representative on their consumer help line, but I've had to wait 2+ hours each time, only to be told that nobody is available, and that they will attempt to get back to me ASAP, which never occurs. Today, they replied to my email when I told them about the charges, and the representative simply told me to try connecting with the same line that never answers, and never returns my calls.

I have no way of stopping the withdrawals, of which, has been in excess of {$300.00}.

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 2023-04-11
Company: EQUIFAX, INC.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from 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 non-monetary relief
Consumer complaint received 2022-12-08
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-04
Company: EQUIFAX, INC.
State: NJ
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 # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I co-leased a XXXX XXXX XXXX at XXXX XXXX, today XXXX XXXX in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the Kia Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done. 
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it.

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 2018-12-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS {$720.00}. 

I ALREADY DISPUTED WITH ALL 3 CREDIT REPORTING AGENCIES, XXXX AND XXXX  AND XXXX. I REPORTED THIS ACCOUNT AS A FRAUD ACCOUNT I WANT HIS DELETED ASAP. XXXX  ALREADY DELETED THIS ACCOUNT

Company response to consumer: Closed with explanation