BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: 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 ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). 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 ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : 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 2022-05-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX XXXXXXXX XXXX, on XX/XX/2021. Has violated my rights 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: ALLY FINANCIAL INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by someone who claimed that he was purchasing the furniture I was selling on XXXX. On XX/XX/XXXX, He send me a cashier 's check of {$1900.00} which was way more than he should pay me and told me that he was in New York and he needed my assistance to pay the deliver service, that's why he mailed me a check with the amount more than the cost for the furniture. He asked me to pay the deliver service via XXXX with two different transactions ( {$1000.00} and {$670.00} ). I deposited the cashier 's check and it showed a credit of {$1900.00} on my bank account so I made the XXXX payment for a total of {$1600.00}. Right afterwards, I called my local police department about the big check and I was told it is a scam. So I called my bank right away and asked to stop the payments. On They said that they can not stop it and asked me to file a dispute later. On XX/XX/XXXX, the cashier 's check of {$1900.00} was returned. I sent a disputes later in XXXX. However, Ally closed the disputes on XX/XX/XXXX saying that the transaction was completed with a merchant with whom " I had established a relationship ''. But this was not true. I was lied to by the scammer to send the money to the deliver service with the email address and the person whom I had not contacted with or verify. Such " deliver service '' never existed. And after I sent the payments on XXXX, the scammer disappeared. When I tried to request the money back from the email address, it says it is not existing anymore. I had requested them to invested it again and on XX/XX/XXXX, they sent me the exact same reason why they would not get my money back. The transactions were sent to person named " XXXX XXXX '' with email XXXX, which I was told by the scammer. I contacted XXXX for the receiving bank information. The receiving bank is XXXX  XXXX XXXX, and they also told me the transaction numbers for the two payments. One is XXXX ( {$670.00}, XXXX confirmation number ), the second one is XXXX ( {$1000.00}, XXXX ). The police report with XXXX County Police Department of Maryland is XXXX, with the police officer badge # XXXX, their phone is XXXX. His handwritten last name is unclear to me. 
The communication with the scammer was in text messages but they were lost.

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 2020-06-25
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection company ANFI is trying to collect a debt of {$630.00}. XXXX is the alleged original creditor. XXXX was PAID IN FULL ... .. somehow ANFI is trying to collect a debt that is not owed. I sent ANFI a letter and did not get a response and this item is reporting on my credit report. Please remove/ delete this item from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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 status incorrect

Complaint:
This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, XXXX and Transunion. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX  written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.

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 2022-05-02
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a letter in the mail from TD bank stating they are changing their overdraft rules. I have never opened an account with TD bank. I called TD bank and told them about it and they filled out a form then told me to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am in the process of trying to refinance my home with my current finance company to lower my payment and possibly lower term of loan. 

On Monday XX/XX/2019 I contacted the three credit bureaus to get the global freeze lifted for five days in order for my fianc company can run credit reports. I did not have any issues with XXXX or XXXX. 

After serval attempts I was finally able to get in contact with Equifax. After explaining to the CSR what I was calling for, I was asked for a few security questions. I answered the question, but was unable to give the Exact date that my bankruptcy over five years ago took affect. I explain to the CSR that I have been in a major car accident and have short-term memory loss due to an injury. I was unable to give her the exact date and I was told that she would not lift the freeze. I questioned Why she never bothered to ask for my six digit pin code, I never received an answer. I was transferred to a supervisor his ID # XXXX I was asked to send a copy of my Social Security card and my drivers license number to them. I told them they should have all the information they need and I was willing to give my six digit code but he would not except my code. He refused to release the lift on my credit although I told him Im trying to refinance get my house no lower due to the fact I am XXXX now, he still refused without my sending copies of my Social Security card and my drivers license to them. I refuse to send a copy of my license and my Social Security card to a complete strangers that I could hardly understand due to their Accent At this time I am still unable to get them to release my global left and I am having difficulty refinancing my house due to this issue. I do not understand why they would need a copy of my drivers license and my Social Security card which is basically given him all of my identity just to get them to lift a global freeze on my account, after all the other credit bureau companies Never requested copies of my social security card and my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: OneMain Finance Corporation
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:
ONEMAIN Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.

I am instructing you not to contact me any further in connection with this debt.

Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/ 2021 at about XXXX XXXX a fraudulent company impersonating a XXXX XXXX  support representative was able to to gain access to my bank account and transfer two amounts from my bank account the first being {$190.00} and the second being {$950.00}. I filed a claim with chime bank and was denied any resolution. Chime bank sided with the scammers and refused to refund my money or even question the scammers leading me to believe that the scamming came from inside the bank itself which would explain how they were able to take control of both my savings and checking accounts. I thought banks protected their customers not sided with scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Tansunion refuses to accept documents by only choosing to accept document through the mail. While I've already provided compelling information on this matter their decision is impacting my way of living

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 2020-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX shopping account online hasrequested i show proof that theVisaBank of debit card that i put on my account but comes up in XXXX system as a Bank of America-and XXXX card. Bank of America finally a company has requested proof of my debit card  ending in XXXX being on my sole bank of america account. I CAN NOT send them proof Bank of America because as i have complained since XX/XX/XXXX there was a checkcard scheme attached to my monies. NO WHERE is my debit card ending inXXXX logged by myboa statements since XXXX that i was issued as per summerall boa regulatory respinse thru the cfpb summerall states the XXXX debit card was issued to me in XX/XX/XXXX ON My BOA bank statement as i have been reporting to the FTC the OCC and the usdept of Justice and the cfpb ... .NOT Once is my debit card recorded on my boa statements. if boa checks the digits ' on my debit card as per XXXX it is invalid. XXXX had it asa bank of america and XXXX XXXX XXXX, so there is a BOA wealth management account opened in my name and i am requesting from BOA to reveal the details. ALSO i am requesting proof of the document that states i was issued the debitcard ending in XXXX in XX/XX/XXXX and proof of it being used on my sole account ending XXXX so i can utilize it with XXXX. XXXX thinks it is acredit card so i am also requesting the details and copies of the billing statement with proof of the use of the XXXX card issued bank of america and 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 2022-01-04
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Last month received a credit card application for XXXX XXXX from Chime. My information has been on the web and had the same problem with XXXX. I tried to call Chime but could not get anyone. They said need to respond by email. After several emails explaining the situation Chime has not taken any action. Got so frustrated I went to the XXXX  and had them work with Chime. Still no action by Chime. 

Every email Chime asks for something else which I have sent to them. 

I already opened a police report with the City of XXXX. They said you can freeze your credit. I said it is frozen. XXXX Police responded " they issued a credit card and your credit is frozen ''. 

I have also sent a copy of my drivers license and a picture of me holding my drivers license signed and dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is against XXXX XXXX XXXX they are trying to collect on a balance of {$55.00} that is unknown. I am asking this company to send Validation for this debt, not simple verification. They are a 3rd party collection agency brought this debt from the original creditor. This company never attempted to contact me requiring this debt. If this is a medical debt it should go back to XXXX, because I am XXXX and have been on XXXX. The provider or hospital must have submitted the claim wrong. Send this debt back to the original creditor.

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 2018-05-31
Company: SYNCHRONY FINANCIAL
State: TN
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 was a victim of your inquiry issue. I have 6 additional inquires on my XXXX   report that were not there before. I would like them removed. I also have a few inquiries I did not make and already reported when I had identity theft on my name.

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 2021-12-16
Company: Santander Consumer USA Holdings Inc.
State: MD
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 or around XX/XX/2021, I contacted Santander Consumer USA about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted Santander and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. Santander reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have disputed an address on my report that I have never resided at, the address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX and the credit bureau Equifax continues to report it, On my other credit reports no such address exist with my name attached to it..I would like this address deleted from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: PA
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 disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do

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 2021-03-02
Company: CITIBANK, N.A.
State: MN
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:
Never gave authorization ( s ) to pull my credit nor gave permission to pull a hard inquiry ( ies ) on my account

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 2021-07-21
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: Account status incorrect

Complaint:
I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to XXXX who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted XXXX and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at XXXX and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX ) The Loan may be under The 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