BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
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: Reporting company used your report improperly

Complaint:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: ALLY FINANCIAL INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

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 2019-09-19
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: OH
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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
EXPERIAN, while claiming to be just a repository, has a liability for the wrongful credit reporting when it is common knowledge that the subscriber is notoriously negligent and regularly misreports.When this information is in the public domain EXPERIAN becomes liable and negligent for their subscriber errors.THE DEPT OF EDUCATION IS ONE SUCH SUBSCRIBER.US DEPT OF EDUCATION LOANS BOTH ACCOUNTS, XXXX ARE SERIOUSLY BEING MISREPORTED.US DEPT OF ED,XXXX ON XX/XX/XXXX, DUE TO INACCURATE AND INCOMPLETE REPORTING, POST DISPUTE DROPPED MY EXPERIAN FICO SCORE 40 PTS.BOTH THE BEFORE DISPUTE AND AFTER ARE ATTACHED. 
THE DISPUTE SHOULD RESULT IN BOTH ACCOUNT DELETIONS AS BOTH ACCOUNTS WERE DELINQUENT OVER SEVEN YEARS.THE ACCOUNTS REPORT WITH FALSE HISTORIES.SCHOOL WAS OUT IN XXXX AND NO PAYMENTS WERE MADE.SO INSTEAD OF CORRECTING THE ERROR EXPERIAN ALLOWED MORE FRAUDULENT REPORTING MAKING THE ERROR EVEN MORE DAMAGING. 
THE C.O.O. OF THE US DEPT OF EDUCATION WHO QUIT IN XXXX OF XXXX SAID THE DEPT OF EDUCATION IS THE MOST IRRESPONSIBLE LENDER IN THE UNITED STATES.HE SAID PLENTY MORE BUT IT IS IN THE PUBLIC DOMAIN AND I HAVE SENT TO EXPERIAN PREVIOUSLY. 
SO EXPERIAN IS GROSSLY NEGLIGENT FOR ALLOWING MISREPORTING OF CREDIT KNOWINGLY.

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 2020-05-04
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For some reason, when I purchased my XXXX  XXXX XXXX, I did not realize that I would be paying almost {$50000.00} for it with all the interest charges and such. This is ridiculous! I have already paid almost {$34000.00} for this vehicle and still owe a remaining balance of {$15000.00}. Loan Companies such as Exeter is why individuals with low income stay poverty stricken. A family member actually noticed the amounts in which I already have paid and felt that I had fell victim to a predatory lender and advised me to reach out to someone before filing for bankruptcy. I currently have XXXX children in my home and am retired military and work a part time job 2 days a week, so paying $ 700+ a month is really a struggle for me. I really need someone to take a look at my situation. Thank so much in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
XXXX CAPITAL ONE CREDIT CARD ADDED ME TO A BLACKLIST DUE TO XXXX DISCRIMINATION RESULTING IN AUTO DENIAL OF CREDIT IN RETALIATION TO A COMPLAINT FILED ON XXXX SEE COMPLAINT XXXX THIS PREDATORY BEHAVIOR HAS LANDED THE COMPANY IN TROUBLE RECENTLY IN THE XXXX District Judge of the XXXX XXXX District Court for the SXXXX  District of TEXAS XXXX XXXX, I HAVE A 100 % PAY HISTORY, WITH NO COLLECTIONS THIS TYPE OF DISCRIMINATION IS AGAINST THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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: Account information incorrect

Complaint:
I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

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 2019-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was reviewing my credit report this evening XX/XX/19 from Experian and I notice that Experian is STILL reporting two invalid addresses. One address where I no longer reside which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. I sent Experian a letter from a notary swearing that I live at my current address and I provided them a copy of a recent utility bill with my name on it. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX. The other address which is XXXX XXXX XXXX XXXX XXXX, NY XXXX is an invalid address that needs to be remove immediately. As of this writing. I have mailed Experian via Next day mail service another recent copy of my utility bill as well as a notarized letter stating my current valid address via motor vehicles which they will receive by Monday XX/XX/2019. They are requested to sign for the package, so the package has a copy of my drivers licence, a notarized letter and a copy of my utility stating my valid address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. Also just a side note I reached out to XXXX  and XXXX and both of those companies deleted the invalid addresses and only list my current address. Please assist me with having them remove. I also indicated that I will be reaching out to the CFPB with this complaint. Thank you kindly Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-26
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft and the recent XXXX data breach. Theres 3 credit card accounts on my XXXX and Experian credit report that are fraudulent, unauthorized, dont belong to me, and the result of the XXXX data breach. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$13.00}, XXXX, XXXX XXXX, {$12000.00} and XXXX XXXX {$3.00}, these accounts are all fraudulent. I have contacted my 2 U.S. Senators from Arizona, XXXX XXXX XXXX XXXX XXXX in regards to the above accounts on my credit report. XXXX XXXX and XXXX promised me they would look into this matter and seek a resolution for my complaint and issue. I have sent numerous complaints to Experian and XXXX about the above accounts being fraudulent, unauthorized and on my credit report due fraud and the XXXX data breach as well.

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 2019-04-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The institution is Navy Federal Credit Union the time is XXXX of 2008. An amount of {$1300.00} dollars not authorized by me was taken out of my Navy federal credit union account to pay for my lodging without my consent, It was stolen and they know it. I did email the last CEO last year and even though hes a retired admiral he said too bad so he can eat a bag of XXXX. I heard they have a new CEO maybe she can fix this. I know it is old but it is stolen money and I have put in requests talked to people on the phone and just get the run around will someone please help me. I am passionate about this because my mom takes XXXX meds and doesnt have alot of money so I help her out as much as possible. The account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Kimball, Tirey & St. John LLP
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kimball , Tirey & St. John LLP Is attempting to collect a debt that was already settled with the apartment complex I lived at in XX/XX/2017, XXXX XXXX. XXXX XXXX, apartments agreed to keep my security deposit in lure of the debt owed to them. There is no debt owed to either company. This information incomplete, inaccurate, and erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My son is not XXXX years old and is using a Paypal account registered in my name. 
Someone is taking funds out of his Paypal account. 

His XXXX XXXX gaming earnings from XXXX games are being stolen from Paypal and my credit cards and/or debit cards have been charged in the past instead. 

The latest of incidents is a XXXX purchase thru PayPal that was cancelled ( see e-mail confirmation ) but the transaction amount has not been refunded. 

It appears that some one is scamming customers out of their PayPal account balances and causing fraud to the financial accounts linked to the PayPal accounts during the initial setup. 

PayPal is being used to scam customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collection agency Stegner & Stegner XXXX XXXX of Michigan has repeatedly attempted to serve my family lawsuits, passive aggressively at our house, for a debt thats not ours. The original debt is owed to XXXX XXXX XXXX for {$5.00}, XXXX and the defendants name does not live at our address nor has he ever lived there ever. We have contacted them on numerous occasions, they have sent us a handful of mail threatening us with legal actions, and they are still coming onto my property trying to serve me with papers. This is socially embarrassing for me and my family because every time they come, they make a scene at my front door while my neighbors are looking and it is causing a lot of unnecessary mental stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently received a credit card from XXXX XXXX on XX/XX/17. The new credit card came with a notice stating that I was entitled " Under federal law ... the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : XXXX. '' It gave three options for contacting XXXX, including " On the web : XXXX XXXX ''. I proceeded immediately to the website to get a copy of my credit report. It asked for some details and I proceeded, never giving any indication that this was a subscription product or that I would be charged for this transaction. XXXX billed me {$21.00}. I called XXXX customer service immediately upon discovering the charge and informed the Customer Service Representative that I was trying to obtain a copy of my credit report, as indicated on the notice from XXXX XXXX, without charge under federal law. She stated that no such option existed on XXXX, and that I needed to go to XXXX. I reiterated again that the notice from XXXX XXXX said to go to XXXX. I ensured the subscription was cancelled. 

I then called XXXX XXXX, as the CSR from XXXX was rude and unhelpful. The CSR for XXXX XXXX politely advised that there were no options for me to pursue with XXXX XXXX until the charge posts fully to the account. As of now, it is still a pending charge. 

Clearly, between XXXX XXXX 's notice and XXXX 's apparent attempt to fraud customers into buying a subscription for those looking to obtain the credit report they are legally entitled to receive free of charge, there is a lack of fairness and transparency on behalf of one or both companies. Please assist, CFPB.

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 2017-11-26
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: Account information incorrect

Complaint:
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information  was reported incorrectly on my credit report and is affecting my 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 explanation
Consumer complaint received 2022-08-11
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2020-05-05
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$11000.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a XXXX and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.

Company response to consumer: Closed with explanation