BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: AZ
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 received a copy of my Experian Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

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 2021-11-11
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
My Hippa laws has been violated, and sensitive medical records have been obtained by a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Penn Credit Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$340.00} XX/XX/2017 collection account placed on personal credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent multiple disputes in regarding misleading/inaccurate items on my report. I recently found out my information was compromised in the Equifax data breach. Now more than ever I feel my information has fallen into the wrong hands. After doing extensive research I saw it is illegal per FCRA Section 807 to report inaccurate items. Im reaching out to hopefully get a repose this time. It has been over 60 days with no response regarding this invalid items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: I.Q. DATA INTERNATIONAL, 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: Information belongs to someone else

Complaint:
The collection agency IQ Data international has repeatedly violated my fair credit reporting rights. I have filed a identity theft report with the Federal Trade commission which I have forwarded that report to IQ Data International so that the fraudulent collection account that they're reporting on my credit reports can be removed. They have not been in compliance for fair credit reporting by continuing to ignore my identity theft report which is a legal document from the FTC. By law they are required to remove this information and they continue to report it on my credit reports. I have once again attached a copy of this report along with this complaint to be forwarded to IQ Data international and ask that they comply with my rights as an identity theft victim and my rights to fair and accurate credit reporting, this is my final attempt before taking this issue to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
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: Information is missing that should be on the report

Complaint:
My credit score dropped tremendously due to inaccurate information. Again, Experian along with the other credit reports states they have no record of a Mortgage Company on file. We did a refi on the house in which  our new Loan is serviced by XXXX XXXX. As well we have eliminated some other debt as well. My credit score dropped almost 100 points due to inaccurate information. This needs to be corrected ASAP. These companies need to post the accurate information, not something that is totally false.

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 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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-XXXX and I have filed multiple complaints with XXXX, XXXX and TransUnion regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.

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 2021-11-11
Company: Experian Information Solutions Inc.
State: TN
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:
Bank of America submitted a application in which I didn't apply for. They Maliciously went into my. Credit account without my knowledge

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 2021-11-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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:
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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Unauthrized Inquiry 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 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and after reviewing it I found a item on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of the account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

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 2020-11-10
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:
I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello, I sent 3 dispute letters to XXXX, XXXX  & Equifax around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time.

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CNG FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My name is XXXX I am having a considerable amount of issues with XXXX XXXX XXXX   when I called to inquire about loan they said what to bring and where I arrived at the office and was taken care of by a trainee who wasnt quite sure how to do everything XXXX the manager I believe was there but as uninformatice as the other lying to me that this was in fact a title loan if approved I would get a XXXX card which I was not approved so they gave me a paper check which it took me over an hour calling places due to the check looking fraudulent they told me my payments each month which I made on time and then I find out that Ll I have paid went to nothing on my loan this is a scam fraudulent to prey on people who need the money I am dealing with XXXX and didnt need to be frauded lied to or deceived and believe that they need to be represmaded for this it is inexcusable to put less fortunate in this position as I never would have taken the funds had I known this was an interest only loan I then requested to change date as it interferes with my rent I am on XXXX only and not married my roof over my head comes first but they refused to accommodate my need to change the date by one week I spoke with many people working for this company and a different story always in 2 days my pay off went from XXXX to XXXX and each payment made increases the loan I am sick over this mainly due to being lied to and scammed into accepting something I should have never received due to my status

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
NMAC Finance has been an awesome company to finance with. I have been struggling for awhile and the Covid pandemic didn't make things better. NMAC allowed me to utilize my extension options as which, I have exhausted them all. I have not been able to pay my current payments of XX/XX/XXXX and XX/XX/XXXX, as which, I won't be able to make the XXXX payment until XX/XX/XXXX and the XX/XX/XXXX payment on XX/XX/XXXX. I am in the midst of transiting into a new job where I will be able to manage my finances better but won't be able to get to work if the car is repossessed. I am asking NMAC Finance to at least give me an opportunity to make these payments and get my account brought current through the new employer that will take effect on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was injected and forced to take mind altering drugs for a disorder I do not have. I and my wife told doctor Hand this to no avail. This was malpractice with out question. 
The XXXX XXXX XXXX and WAKEFIELD AND ASSOC were notified of this error. Now this is on my credit report WAKEFIELD AND ASSOC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Placed for XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXXXXXDate Updated:XXXXOriginal Amount : {$210.00} Original Creditor : XXXX XXXX XXXX Pay Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/2026

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked informati
on. 
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT 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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 contacted capital one back in XX/XX/XXXX during the government shutdown, i was placed into a program that reduced my interest rate for 3 months, then they took me off plan, when i was thinking I was in a hardship program, now they won't put me back because I don't quality. I contacted them, spoke to 3 people, the last one being the manager who gave me same information. Previous 2 supervisors I spoke to were very rude and spoke to me in a very condescendant as if they were superior then I was. I think this company is getting richer by taking people 's money but won't let them anymore since i plan to default on the card so that I can pay it off.

Company response to consumer: Closed with monetary relief