BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: NV
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 received a preapproved loan/letter from XXXX XXXX XXXX for the purchase of a new vehicle, during the process of purchasing this vehicle from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Nevada. I explained to the salesman that I had a preapproved loan, after the song and dance I met with the Finance Manager and gave him my loan letter doc number. I told XXXX XXXX do not run my credit because I all ready had a loan. At XXXX pm, Monday XX/XX/2021 I received an alert from XXXX XXXX that a new inquiry was on my account. After checking the information listed in this inquiry, this inquiry was completed by the Finance Manager the night before at the dealership listed above. There was no reason to perform a credit check, I had a preapprove loan. This action was unlawful, I did not have to fill out a application, nor did I sign any document that gave this Finance Manager the approval to perform a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report from Transunion and noticed many inquiries that are not mine and I do not recognize and did not authorize my credit to be run. I contacted Transunion and they were very rude and I did not receive any relief to have the inquiries removed. Below are the inquiries and dates : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I closed an account with Capital One in 2010 after their failure to protect my account from being charged for items that I had not purchased. Prior to closure I had only used the account for travel activities. I have had no business relationship with Capital One since my retirement in 2010. Today I received a statement fro Capital One saying I have an outstanding balance of {$5.00} and they have accessed me fees of {$15.00}. They allege I used the card in XX/XX/XXXX, thus I reactivated the card. While they agreed to close the card they allege I am responsible for all charges and fees to date. I have not had a Capital One card or done business with this bank for over 7 years and did not charge anything to this old account in XX/XX/XXXX. I want the charges cancelled, fees written off, and no adverse report to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently discovered through my monitoring service that I am a victim of Identity theft. I have noticed over the past few months accounts not belonging to me being reported to my file. I have reported fruadulant account reported as CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) for the amount of {$2100.00} I have tried to reach out to this company in efforts to resolve this matter and remove this from my file previously although nothing has been done to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2022-02-08
Company: ALLY FINANCIAL INC.
State: OH
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:
on XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a Ally financiallocated in XXXX, MN. I have not been applying for a car in XXXX, I live in 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 2017-07-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people have repeatedly called and left me messages. They are calling family members and non family members leaving messages about me on a daily basis. I called them back and they give me a different company name each time. They lied and said they are calling from the NYS clerks office, which they are not. I repeatedly ask them not to call me and they continue to harass me, make legal threats and will not respond to any questions. I am being harassed by these people. The unknown calls from them have come on multiple occasions in XX/XX/XXXX. They told me it 's a Best Buy debt, I initially informed them I have never had a Best Buy card. I asked them to email me my signature from the original credit card application and they said they do not have that and I can take up the matter with a judge. I 've never had a Best Buy card. These people do not take no for an answer. The message they leave says they are calling about an address I dont even live at. If they have spoken to me directly why are they still calling other people looking for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The Card company ( Netspend ) has been taking money out of my accounts with them and when I try and dispute the issues they claim that I used the Card at previous stores then they told me to file a dispute claim with there online system and that I would have to wait 10 business days to get the money back to my account. When the 10 days had passed Netspend claims that there was no issue every time I made a dispute about any of the issues they never fixed it when I would see it on the online account portal they would remove it and there would n't be any traces of how they were taking out the money from my account. They claim that this is n't true but this is what happened. When I called there customer service phone number this morning to find out why my account had been locked and why my paycheck had n't been received yet the representative stated to me the account had been closed out yesterday afternoon at XXXX central time when I asked who closed the account the representative replied their risk department. I stated to the representative that I did n't request for my account to be closed and he stated to me that I am no longer eligible to receive or have a Netspend account and he kept repeating the same thing for an hour when I requested to speak to a supervisor the representative repeated the same thing telling that I am no longer eligible for a Netspend account and that the risk department closed my account without my knowledge or consent and when I asked the representative about what suspicous activity was going on with my account he would n't say and he kept repeating the same thing telling me that I am no longer eligible for any Netspend account and then I requested again firmly to speak to a supervisor he took an hour to connect me to a supervisor and the supervisor never picked up I was on hold for three hours and no one picked up no one resolved my issues they have been taking money out of my accounts for almost a year and this is a huge hardship because I have bills to pay for and a child to take care of. I ca n't by food for my child or my self. I ca n't even pay for transportation to and from work or even emergencies.

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 2019-07-31
Company: Factor Trust
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my XXXX report and noticed alot of inquiries I didn't authorize nor did I get any accounts with these inquiries.1 ) XXXX   XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX   XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX    XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8 ) factor trust   XX/XX/XXXX, XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10 ) XXXX XX/XX/XXXX, XX/XX/XXXX 11 ) Factor trust XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 12 )  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not give permission for these places to pull my credit report. According to the fair credit reporting act section 604 these inquiries are not allowed and should be removed. as they do not have my signature or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2022-02-08
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:
Fraud Department : Remove 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 2019-05-08
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 filing a new CFPB  against XXXX and Experian for reporting incorrectly the XXXX XXXX XXXX Credit Card - partial account number - XXXX on my credit report. ( Please see page 6 of the attached credit report. ) I did NOT open this account. I have attached a copy of the police report that I filed in regard to this account for fraudulent activity. I previously filed a CFPB  on XX/XX/2019 to XXXX  XXXX XXXX Credit Card Company reporting that this account was opened fraudulently by my late husband. I immediately contacted XXXX XXXX XXXXXXXX to close this account but have not been able to resolve this issue directly with XXXX XXXX XXXXXXXX. This incorrect reporting is harming my credit score.

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 2022-02-08
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XXXX of 2017 Citi mortgage sent a check to pay my taxes ( they do not escrow them ) while in the tax office to pay them we saw the check and told the tax collector to return the check to Citi, which they did, after a couple days we called Citi and they confirmed that they received the check but since then have continued to escrow taxes to the point where a XXXX is now over XXXX $ after repeated calls to Citi, and every time they confirmed payment, they continue to increase the balance on this loan and will not correct the mistake to the point where they are reporting to the credit agencies and my credit has gone from XXXX to XXXX in 1 month, as of now they are threatening forclourse we have never been late or missed a payment, we are getting no satisfaction and it seems like they just want to take the house, do n't know where or what to do next

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Prospect Mortgage, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A person by the name of XXXX XXXX, employed as a " XXXX XXXX '' for " XXXX XXXX XXXX '' formerly " Prospect Mortgage '', did on XXXX/XXXX/XXXX at XXXX, utilize my name and social security number to order a verification service from XXXX . The above person used that information to obtain copies of my personal tax returns under the guise of researching an application for a mortgage. I did not authorize the use of my social security number nor have I ordered any such verification for a mortgage, loan or any other transaction with Prospect Mortgage nor XXXX XXXX XXXX. 

I have requested in writing from the above person and company, for a copy of the application and authorization form that I would have had to have signed in order to authorize them to conduct that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My girlfriend signed me over her payroll check in which I deposit the check in full via ATM on X/XX/2017. I went into the branch the next day when the funds became available and removed funds from my account. On XX/XX/XXXX I received an email stating I had XXXX funds in my checking account. I immediately open my Wells Fargo app to view the activity where it showed my ATM deposit pending return. I then immediately called Wells Fargo to inquiry on the reason the check is pending returned item. The representative informed me because the check was made payable to another person I could not deposit the item as it was against their policy. I asked when did this become their policy as I did this type of transaction in the past. He then informed me this has always been a policy in which they are now enforcing more within the last couple of years. The representative stated a copy of the check would be sent to my girlfriend. I asked how will the check be sent to her when her address is not on the check and the check has been properly endorsed to me making it a legal instrument entitled to me. The representative stated I could have deposit the check with the signer inside the store location. I do not understand how an establishment can pick and choose when to upheld a policy. In addition, an ATM deposit should not warrant any difference than a deposit in person. Worse case senario an extended hold could have placed on the check. How can a check cashing company have their customers sign over their check and deposit the checks into their account if this is against Wells Fargo policy. Now I have to let my account sit in a negative balance because I made payments to other vendors and get assessed with multiple fees.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-08
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a Equifax mortgage service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 do n't have any judgement in XXXX, XXXX in the amount of {$3300.00} as stated on 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 explanation
Consumer complaint received 2021-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown item on my credit report. I have yet to receive a response to my request. Section 611 ( a ) plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove these items from my credit report.

Company response to consumer: Closed with explanation