BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: MS
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:
I recently conducted a ANNUAL review of my Credit Reports. I noticed a HARD INQUIRY, by XXXX XXXX XXXX, on my EXPERIAN Credit Report ( See Attached ). I called XXXX XXXX XXXX and they said they are PART OF EXPERIAN, and they did a HARD INQUIRY on my Experian Credit Report because of a Payday Loan I applied for in XXXX 2018. I have never heard of XXXX XXXX XXXX, and when did Payday Loan companies start doing HARD INQUIRES on applicants ' Credit Reports?! I asked XXXX XXXX XXXX to mail me a copy of the Payday Loan Application that I signed consenting to a Consumer Credit Report Inquirythey sent a packet of worthless paperwork, but they did not send the documentation that I asked for.

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 2019-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was approved by capital one for a credit card, they sent me a credit card. I was then told to submit documents to verify my identity. I do not have drivers license. So I spoke to a manager and was told to submit alternative documents. Once I did this, another manager deniedy credit card being unflagged and just stated that the other managers directions and request for documents do not matter. 

This happened on XXXX XXXX 2019, I spoke to Ms. XXXX who's ID Id. XXXX My case number is XXXX Ms. XXXX who is a manager told me to send my documents to the secured link, which I did. 

After the seven days I was then denied and told by Ms. XXXX that what Ms. XXXX told me doesn't matter and my credit card would not be activated. 


My credit score has decreased and I am being discriminated against although I was approved and passed all the requirements to get the line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXXXXX has me at a score around XXXX That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Paxful Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
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 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 I have filed chargeback disputes on Paxful both using the chat bot to submit tickets and on each one of the trades we did. The last time I filed a chargeback dispute was over a month ago and it's still pending. This person needs to be banned immediately. Paxful is clearly awful at responding to chargeback notices in a timely manner which is extremely important in the effort of getting the stolen funds returned from the buyer who initiated a fraudulent chargeback. The way Paxful attempts to get your funds back after they have looked at your proof submitted for the chargeback dispute is only by taking the funds from the other persons account if they even have any in the account they're using to trade with. So, immediately when submitting a chargeback dispute it's a race against the clock to hopefully catch them before they go offline forever and make a new account or hack someone elses. Over a month???? The scammers continue to trade and scam others for a while after these chargeback disputes are filed because every single one of them know it'll take AGES for it to ever get resolved, and by that time they're already long-gone and have withdrawn any XXXX they had in that account. They make it too easy for scammers to operate on their platform. I'm negative XXXX XXXX dollars in my XXXX account right now and the only slight chance I have at maybe recovering some of the funds is if Paxful responds in a timely manner before the scammer moves onto a different account. This account had an insane history of successful trades and good reviews ( XXXX trades and only XXXX bad reviews ). I'm not new to being a vendor on Paxful. Anyone would've traded with this guy. I need Paxful to respond immediately or my funds are definitely going to be gone. 

Side Note : how the XXXX has Paxful not fixed this issue yet. There's a simple solution : IMPLEMENT BETTER/FASTER CUSTOMER SUPPORT OPTIONS. THE SCAMMERS WOULDN'T BE DOING THIS IF THEY KNEW AN ISSUE COULD BE RESOLVED IN A MATTER OF MINUTES, WOULD THEY??? No, they wouldn't. There would be no coinlockers in open trades and this simple solution would make the entire platform better. They clearly don't care to listen to anyone 's complaints and their entire reddit feed is just filled with people telling story after story on how each one of them got scammed. The solution is simple, they are aware this has been an ongoing issue for years, they definitely know how to solve it, why haven't they done it? Because they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Credit Karma, LLC
State: IN
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:
Credit Karma began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and XXXX not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my XXXX yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting XXXX  and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
I have been affected by the Equifax hacking by my information being one of the accounts being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
I most likely am one of the individuals impacted by equifax 's recent hack. I have not signed up for their protection program because their terms and agreements seems to waive my rights despite this being a wrong on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all i see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2022-09-04
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the fair of credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 a section 2 its also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal detail that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2022-09-04
Company: SYNCHRONY FINANCIAL
State: MS
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:
I have filed a complaint on XXXX related to this. Complaint number XXXX Synchrony bank received a check from XXXX XXXX on XX/XX/2022. They deposited this check on XX/XX/XXXX. This was never credited to my account. 
I have called XXXX who took over the account at the end of XX/XX/2022. XXXX says Synchrony needs to take care of this. Synchrony said the no longer have the account. I have been sent back to XXXX from Synchrony twice. 
XXXX asked for proof of the payment by sending a copy of the cancelled check. I have done that. They still refuse to credit my account. I understated they still expect me to pay them the over XXXX that was already paid. They continue to charge fees and interest to my account and reported delinquency to the credit bureau.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate 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 explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 real estate agent just recently pulled my credit report and I came across alot of accounts that dont belong to me. I never applied for these accounts, I have no idea who stole my credit but i am in desperate need of removing these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft

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 2017-09-08
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: Reporting company used your report improperly

Complaint:
" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 right 's 15 USC 1681 Section 602 States I Have the right to Privacy 15 USC1681 Section 604 A Section 2 : It also States a Consumer Reporting Agency can not furnish a A account without my Written Instruction 's 15 USC 1666B : A Creditor may not treat a Payment on a credit card account under a open end 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 non-monetary relief
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit bureau stated XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, and XXXX XXXX  Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-09-04
Company: Experian Information Solutions 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:
Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft

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 2019-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was recently siezed by the us border patrol ineeded my finance company to recover car for which was possible because it is stated in contract and was told they would not be recovering the car and if I wanted to pay XXXX to pay of loan and that was all they could do I had the car for 4 month with a 20  percent interstate rate

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