BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an auto loan at XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX, that has been opened on XXXX XXXX, XXXX and closed XXXX XXXX, XXXX for {$3600.00}, a XXXX XXXX charge account opened and closed from XXXX XXXX, XXXX to XXXX XXXX, XXXX, a home loan opened around XXXX XXXX and a retail card opened around XXXX XXXX that is on my credit file that I have NO involvement in or any acknowledgement of. I just recently found out about all of this and have reasons to believe that someone else has used my personal info to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXX and XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per XXXX report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX is listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint XXXX XXXX and XXXX was they don't report XXXX the credit bureau that means i am a victim of fraud since this account i XXXX no longer being handled by XXXX XXXX XXXXl. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have had this tax lien on my credit report since XX/XX/XXXX in the amount of {$1700.00}. I paid off the lien in XX/XX/XXXX. The tax lien should be removed by now since it 's been 7yrs. I have contacted the Credit Agency several times to have this removed and they have refused. The lien has been fully paid and should be removed based on the 7yr time lapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I just feel like these places are legitament businesses but are undermining DUE PROCESS being unprofessional to it's potential customer. Why are we subjected to pull out our cell phones for them to call to see if it's on or not? 

Why do we have to WAIT to a weekday to VERIFY our employment when they are requiring your paystubs and bank statements applying on Saturday when your off but your company you work for is closed on the weekends. 

They are very unprofessional not real business like practices acting like street hustlers instead of a legit business that has protection at the BOTTOM LINE for those loans. If a person submit their info and it's fraud then TAKE ACTION when it occur like a police officer get a call for a bank robbery they deal with it after not before! 

If you committ a crime you do the time. This is a business environment you are taking RISKS either way loaning money out. THEY NEED TO KEEP IT ON A BUSINESS DUE PROCESS LEVEL and stop treating everyone as CRIMINALS being put under their unprofessional practice for it's consumers. Elimanating that calling your phone calling on the spot other words if you don't have a phone they'll deny you when they NEED TO BE HANDLING BUSINESS THROUGH THE MAIL. 

All these XXXX SC loan places title loans, installment, check writing loan all are doing this street hustler foolishness. Bottom line if someone default after going through a legit process those companies still will get a write off or their company insurance will cover it.

You all need to address this issue QUICKLY shutting it down making these businesses get back to professional standards towards it potential customers. Making them put other methods in place for us consumers having to wait until Monday when you off Saturday and need the money Saturday. They all are acting so petty and not leaning at their business protection for those loans actually looking more like PREDITARS to the consumers GREED-GREED-GREED attitude having no form of business class. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NC
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:
Today, I received notification from Experian that a new address was being used with my Social Security Number. Unfortunately, I have never been associated with this address, which is now listed on my credit report. After further investigation, I discovered that an account was opened with my SSN using XXXX 's " XXXX '' financing affiliate. I contacted XXXX and was informed that three loans were approved in my name totaling over {$3000.00}. The largest loan was used to purchase XXXX equipment through a company called XXXX. Interestingly enough, I was told by the XXXX representative that a direct debit was set up to pay for the fraudulent loan but payments were recently stopped. The card that was used is not a card I ( or my wife ) have ever owned. So far, only one of the XXXX loans is currently listed on my Experian Credit report. Additionally, the fraudulent address ( XXXX XXXX XXXX, XXXX, NC XXXX ) is only showing on my Experian 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 2015-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX 2015, I filed a complaint with Equifax against XXXX XXXX XXXX and XXXX XXXX XXXX for failing to validate a debt being reported to Equifax by these collection companies. I have also filed a complaint with the Consumer Financial Protection Bureau against both of these collection agencies. Complaint # XXXX was filed against the XXXX XXXX XXXX back in XXXX 2015 and they have failed to respond to me or the CFPB as to this date, but yet by some mysterious source Equifax validated this account. Even though I attached the complaint from CFPB to Equifax they failed to take in consideration that the law requires a credit collection to verify an account when a consumer request. I also requested Equifax to forward the validation that they based their decision on to side with this illegal collection company and Equifax failed to send that information. Complaint # XXXX was filed against XXXX XXXX XXXX back in XXXX 2015, In which they responded with no validation but a statement to the CFPB stating that : In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all the credit reporting agencies associated with the account and our office. The confirmation number for this request is XXXX. Please allow up to 45 days for the credit reporting agencies to process our request. This information was forwarded to Equifax in the complaint I sent them to have this bogus un-validated account removed from my credit records. I am requesting Equifax remove these accounts from my credit profiles and send me proof this has been done. Also I am requesting Equifax send me the validation they used to verify this account since I and the CFPB failed to receive such validation, also Equifax should be fined for not following the law to verify and report accurate information on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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 checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX 2008, I filed a petition for Chapter XXXX. I withdrew the petition a week later and made my own arrangement to pay off my creditors. I have sent several certified mailings to Equifax because they refuse to remove. XXXX removed after XXXX years. Equifax is stating that they are reporting correctly. They are not. I never went through with the BK and the statute of limitations is supposed to be XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute with XXXX, XXXX and Transunion concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

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 2015-09-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my XXXX XXXX dispute over this issue, Equifax responded and resolved some of the fraudulent inquiries, however some still remain and those Equifax claims there not reporting on Consumer Report anymore but they still areFraudulent Inquiries still remaining -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -This inquires still remain in my credit report, I need them removed like the others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a small tax liability with the State of XXXX from XX/XX/XXXX for {$510.00}. I had moved to XXXX XX/XX/XXXX so did not receive any notification of this liability. The State subsequently filed a lien that was picked up by all 3 credit reporting agencies. I did not realize it existed until I purchased a car in XX/XX/XXXX. I immediately paid the debt that had grown to {$810.00} with penalties and fees. I contacted the State of XXXX and they agreed to cancel the lien from record because there was no real notification that the debt was ever owed. I sent this documentation to all three credit reporting agencies. XXXX and XXXX did an investigation and removed the lien from my file immediatly. Equifax , however refuses to remove the item. I have requested 3 times by certified mail the name and contact information from a person at the XXXX Department of Revenue that is stating this record still exists, but have received no response. I can only conclude they have done no investigation. I have contacted XXXX Department of Revenue to follow up and they tell me they can do nothing from their end if Equifax is still reporting it. 
I am XXXX years old and this is the ONLY derogatory item on my credit record. My State and Federal taxes are paid in full. I am in the mortgage industry as a profession and have to be licensed in every state I conduct business. There are states that will not give me a license because of this derogatory item. This affects my ability to earn more income and pay more taxes. Nobody wins in this situation and it baffles me that Equifax is so reluctant to report this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I FILED BANKRUPTCY IN XXXX 2011 AND INCLUDED MY XXXX XXXX XXXX XXXX # XXXX, BUT I DID NOT REAFFIRM. I HAVE NEVER MISSED A PAYMENT BEFORE OF AFTER MY BANKRUPTCY AND I WANT THIS STATUS REPORTED TO CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: NRA Group, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received XXXX TEXT messages beginning XX/XX/2022 from National Recovery Agency listing the debtors full name and address, account number, original amount owed, current amount owed, original creditor and current creditor. I am not the debtor. While I am related to the debtor listed, the debtor was XXXX years old on the date the text messages indicate for the origination date of the debt. This company has not called the number they are sending the text messages to for the purpose of verifying the identity of the person receiving the text messages. The amount of details regarding a debt this company is sending out to unverified recipients is concerning.

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 2022-06-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I purchased a vehicle that was financed through Citizens Financial Group and took out an extension of my own credit using my SSN ( credit card ) ( 15 USC 1602 ( L ) ), and Title 18 USC 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 15 USC 1602L, the bill was prepaid with the use of my social security number, which I used in the application process with Citizens Financial Group. Furthermore, there was no right of recession clause in the contract, violation of 15 U.S. Code 1635. furthermore, I entered into this contract agreement with Citizens Financial Group without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Citizens Financial Group willingly and knowingly took advantage of me and my consumer credit. I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. In addition, I was given false and deceptive information ( violation of 1692e ) as I, XXXX XXXX was told that a down payment of {$5000.00} was needed in order to drive off of the lot. Down payment is a direct violation of 15 USC 1662, this transaction was simply an extension of my consumer credit. Pursuant to 15 USC 1605a - a finance charge is sum of all charges-this also includes insurance, but you don't need me to tell you that. Citizens Financial Group willingly and knowingly violated my rights as a consumer. Down Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called USAA on XX/XX/XXXX18 at XXXXXXXX XXXX to report a transaction I didnt recognize. I was transferred from credit card to debit card customer service. The rep on the phone asked me for my ssn, name, date of birth, and phone number, and PIN for phone banking and I provided it all. They then asked me for my childrens names and dates of birth, which I felt was invasive and would not provide. I asked to speak to a supervisor and she refused unless I provided that info. After a lot of back and forth she did transfer me, but no one would access my account or take the fraud report b/c they say I could not verify myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions 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:
experian report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Darnel Quick Recovery, 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:
My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax Information Services reinserted information regarding an account with XXXX XXXX XXXX in the amount of XXXX for cable services that were never rendered. This information was removed in XXXX 2015 and was reinserted under a different collection agency name on XXXX/XXXX/2015. This information needs to be removed from my credit report as it is in error as these are charges for a service that was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: SC
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:
Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by XXXX XXXX XXXX. Investigation Results- DELETED : The dispute item ( s ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from Experian, detailed XXXX, XXXX  has flagged my account as Collection on XX/XX/2022. 

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 instruction.

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