BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I did a dispute with Equifax with a Account that was CHarged off with XXXX XXXX XXXX and the Collection company and provided documentation that the account was paid. Equifax updated the information for XXXX XXXX XXXX and did not fix up the collection account as paid which documentation was posted on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was in XXXX relationship and got out XX/XX/XXXX. I found out two weeks ago my ex, filed Bankruptcy Charter XXXX. I am and was not on this Bankruptcy. I do not want this to reflect on me, because I do n't think that would be fair for me. I would like to find out if it is on my credit report so it can get remove. Please help me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hi i applied for preapproval for a new home mortgage and was informed by the lender that after reviewing my credit history i had 31+ late payments on my current mortgage. this caught me completely of guard. on speaking with the current mortgage holder ( XXXX, XXXX XXXX XXXX ) i found out what the problem was. it was down to a veriety of things. 
1. in the early 2000 's i declared bankrupcy but thankfully kept my home in the process. Chapter XXXX however as i had done this the lender informed me that they could no longer contact me due to this. 

2. i missed a payment which resulted in a late charge and this was compounded out over time to result in me missing more or less all my payments. this is due to the fact as they place monies in suspence and because of this the monies were not posting to the right place at the right time thus showing a late payment. 

3. Of course I was none the wiser of this and in fact was paying over and above my mortgage every month for a number of years now. but they are still asking me to pay interest on the outstanding balance. So not alone did they not inform me about the error in the first place but now they are asking me to pay this balance in order to remove this of my credit report. in my opinion this would be akin to extortion. 

i am very unhappy with this impass and I need help in order to get this fixed. Can you help? neither the lander or the credit reporting compand are being helpfull in this case and i feel that i have nowhere else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have filed multiple disputes against unauthorized inquires, and a fraudulent report. Equifax is the only bureau that will not remove them. They said in their investigations they find them to be correct. Even with my court documents on the report, and my stating I did not authorize inquires, because I did NOT authorize them. They were sold from a third party, which I did not agree to. My signature authorizing them is not on anything and equifax can not produce them. 
One rep told me they do n't remove them regardless and they will remain on my report because that is not something they do. Even though the FDCPA states they are to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has consistently reported my credit information incorrectly from XXXX XXXX. Both of the other agencies get it correct. Now they have said my account is " closed '' with a balance that is paid on time. Furthermore, they have not reported activity since XXXX 2014. I went directly to XXXX and asked them to correct this. They told me in an email that they reported each month to all three agencies and would provide Equifax with yet another report and confirm that my account was in excellent standing. I pasted this into the email to Equifax. Equifax did nothing at all and said they could not read the " message. '' I got an email from them earlier asking me to " call them '' as they could not " access my report '' without talking to them. This looked very suspicious to me, so I told them so. That is when they completely refused to change or do anything. This is a bad agency that is wrecking my score. Furthermore, I believe their behavior is sexist, as my husband is resident in the XXXX, has no credit here, except for a lien for state taxes that is wrong and has a higher score than I. I have a mortgage, car loan and several low limit cards because I worked XXXX for several years. Still I have four years of solid, good credit. My scores, especially at Equifax, do not reflect this at all. I pay Equifax {$30.00} per month to get this right. But they just continue to mess up. I 'm fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please refer to case XXXX. Equifax 's answer brings only more concerns. So, just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! They still have n't provided any proof of ownership. If I am owner of the account, please have them provide proof I opened the account in question, the purchases that were made and signed documents. If not, please have Equifax remove it ASAP. It 's weird, that they keep insisting the account is mine, since I contacted XXXX for the exact same issue, and they have confirmed the account in question is not mine and have successfully removed it. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. If they still neglect to remove the account I will escalate this to the FTC, my state attorney general, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
on XXXX XXXX, 2016 I tried to obtain my annual credit report with Equifax via the online but I was not able to being Equifax refused to provide me a copy. I received a message online but could not print it for which they demanded that I provide them copies of utilities bills, social security card, drivers license etc. Today I called the corporate offices but was given the run around and in the end I spoke with XXXX who verified who I was in which I gave her my permanent home address XXXX XXXX XXXX XXXX NY XXXX, my temporary home address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( being my place is under construction ), my full name, social security but she informed me that I have an apartment number on both of my addresses of which I disputed. I was informed that there is an apartment number listed with the XXXX XXXX XXXX XXXX NY address of which not true being our house does not have any apartment numbers and she can not force me to provide an apartment number that does not exist. I further informed her that none of my credit bills have an apartment number and I believe somewhere someone other than me placed an apartment number on my credit report without my consent or knowledge. I will not provide them copies of any of my bills or credit card statements being those documents are personal and confidential and they have no right to have them. I was given a hard time by XXXX XXXX to the point that I yelled at her and she got upset and hung up the phone after I reached my boiling point and used a word that I should not have. They are required by law to provide me with a copy of my credit report free at no charge but then yet they are refusing being someone placed the wrong information on my credit report and I need to see what information ahs been reported to them and by whom so I can resolve the problem. 
Please have them provide me with a full copy of my report so I can review and dispute any incorrect information that is being reported or placed on my profile. Please contact me via email if anyone has any questions in regards to this matter. Finally, I do n't want Equifax to place my email address on my profile with their bureau. 

Thank you kindly for your assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Approximately a decade ago I filed to permanently opt out of receiving unsolicited prescreened credit card offers. As such, I stopped receiving unsolicited offers until today, XX/XX/2016. Today, I received an unsolicited prescreened offer for a Discover card from a creditor using the mailing address XXXX XXXX XXXX XXXX, DE XXXX. Under the Federal Credit Reporting Act, I have a right to opt out. This unsolicited request violates my right to opt out of these types of unwarranted solicitations. There should be recourse for creditors who disrespect the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX ACCOUNT Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions

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 2016-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am disturbed that equifax continues to list the dismissed bankruptcy as confirmed within my credit file past 7 years XXXX. Although it is there policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Case Description : Equifax refuses to remove 10 year old Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Recently a person has been repeatedly calling my previous employer asking for any information pertaining to me. They explain that they have a legal document to deliver and that they have called all my other previous employers and that they need to deliver the legal document and they need them to provide any information they have about me. They have called daily. Next they called my mother and left a detailed voicemail referencing my previous address and a filing document number and they threaten to proceed legal action if the call is not returned. They have started to call from a private number as well. I finally was able to get a hold of someone. The company claims to be XXXX and XXXX their organizer. She is attempting to settle on behalf of Nissan Aceeptance Corporation,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I first became aware that me and my family have become victims of identity theft. Since then, I have pulled my credit with XXXX, Equifax and XXXX and came to realize that a plethora of accounts have been established, some of which are even still open, under a different name amongst several other contact and personal information. Apparently, my social security number and date of birth were used to open over XXXX accounts some of which have dated back over a year ago. I have since started and have subsequently almost completed this process of disputing and verifying my identity with XXXX and XXXX and have now moved on to Equifax. Also, I am unable to speak with anyone concerning my credit file as there is apparently a freeze on my file, a lot of good that did, and have found that utilizing this method to be the most efficient in trying to get my life back together. I was first made aware of this from my banking institution. As of today, my name, phone number and almost all of the accounts currently reporting on my credit file are indeed not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I went to apply for a loan and found out that Equifax has reinserted inaccurate information and has continued to report a tax lien which was later released by the IRS ( attached will be my Chapter XXXX plan and IRS release of lien certificate which shows that it was released as a result of my bankruptcy ). Equifax reported that my Chapter XXXX bankruptcy has been dismissed, reinserted collection company 's ( XXXX and XXXX ) reported that I have an open account with XXXX XXXX and XXXX with balances. I filed Chapter XXXX and I am no longer liable for IRS tax lien in the amount of {$66000.00}, XXXX, XXXX, XXXX XXXX, XXXX and XXXX yet Equifax continues to report inaccurate information even after I disputed with them twice. Equifax has caused me great harm. I even gave Equifax my attorney 's information so that they could verify that I am no longer liable to the IRS lien, XXXX XXXX, XXXX XXXX, XXXX, XXXX and others. My attorney 's information : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, PD, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed inaccurate information on my credit file with Transunion, I have on numerous occasions requested that they please verify that these are my accounts by validating my signature that i have a contractual obligation to pay these accounts that I do not recall owing these creditor.1 ) XXXX for XXXX, XXXX for XXXX and XXXX XXXX. I sent several certified letter to validate this information with my signature which they have not but they continue to verify this inaccurate information on my file.. 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 2022-10-01
Company: eToro USA LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My Debit card number was used to purchase virtual currency products on Etoro.com. I did not authorize this. Somehow someone got a hold of my card information but not my physical card. 

This Happened between XX/XX/22 XXXX. 

I contacted Etoro and they said they were going to refund me my money but I have not heard from them since. I have sent emails but no reply 's. I was defrauded of {$500.00} Total. See attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
MACDOWELL & ASSOC FILED GARNISHMENT FOR DEFT OUTDATED SINCE 2008 AND NOT COLLECTIBLE PER GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-25 AND VIOLATED FCBA WITH XXXX DIFFERENT COMPNIES DEMAND PAYMENT ON SAME ACCOUNT ; AS WITH " XXXX AND XXXX XXXX XXXX '', COMPANY FAILURE TO SEND ITEMIZE VALIDATION OF DEBT OUTLINED AND OR SIGNED APPLICATION OF ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband and I are very perplexed as to how Transunion continues to report the collection as verified with no changes each time it is disputed as fraudulent and no record of address for us at XXXX XXXX with the information they received from fidelity creditors and the fact the both XXXX and XXXX have deleted the fraudulent collection from our credit reports with them! We would like Transunion to explain this and how they verified anything and did due diligence in researching and validating anything regarding this case as it obvious Transunion did not do so and is thus libel and will be prosecuted.

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 2022-11-11
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: Reporting company used your report improperly

Complaint:
Improperly placed items 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 2015-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX, 2015 I requested that TransUnion investigate XXXX XXXX XXXX XXXX tradelines listed on my credit report, numbered XXXX ; the same tradelines I successfully had removed from my XXXX credit report. In the complaint I requested that they provide me with documentation of their verification process to ensure that they performed their due diligence. On XXXX XXXX, 2015 I received my dispute results ; XXXX of the tradelines were removed, however the other XXXX remained. To date I have not received any documentation surrounding their verification of the remaining XXXX trade lines. 

Prior to filing this complaint I called TransUnion and spoke to a representative ( XXXX/XXXX/2015 @ XXXX ). I spoke with an extremely arrogant representative who dismissed my complaint as being inconsequential to the validity of their report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies XX/XX/1999 and have not removed it 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 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a strange name associated with my Transunion credit report. The name " XXXX XXXX XXXX '' is unknown to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief