BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2022-10-24
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I reported to my banking institution Navy Federal Credit Union in the amount of {$3200.00} I have provided all supporting documentation and they have found my claim unfounded. I desperately need your assistance because its not fair for them to just keep my money. 
Please help me to recover my money or at least provide me with the best course of action to take. Thanking you in advance for your cooperation with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: CITIBANK, N.A.
State: DC
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 spoke with consumer service with Citibank about them closing my account. Their reason was that I made three insufficient funds returns. I would like to say that I have never had this happen before so for a company to closed my account was stocking and they didnt even reach out to me regarding this account prior to closing. Citibank is the worse. I history with this credit card shows I have always pay ahead of time. They held my payment for over two weeks and just notified me XX/XX/2022 when I send the payment on XX/XX/2022 ( why ) yesterday about the non payment. This company is the poorest company ever and they dont need to be allowed to stay in business with this poor service.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 am writing to follow up on my recent dispute with regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/XXXX that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -TransUnion XXXX -- - XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX -- -- -XXXX -- XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NC
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 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 2022-08-21
Company: Experian Information Solutions 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:
PLEASE DELETE ASAP The following addresses are not mines ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX tx XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX, tx XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tx the following Employers are not correct ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX the following inquiries were not authorized please delete ; XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: FIRST REPUBLIC BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Wednesday XX/XX/2022, I fell victim to a scam call that started around XXXX and lasted until about XXXX. During this time I was put under a lot of stress, manipulations, threats, intimidation from the scammers ( man & woman, although man was doing all the talking, the woman was making commentary in the background ) to the point that I was coerced to send them money, {$5000.00} ( two separate payments of {$2500.00} ) was taken out of my checking account via XXXX. 
The con artists called me from this number XXXX. The money was transferred to someone named XXXX XXXX who apparently is enrolled at receiving bank institution as XXXX XXXX XXXX XXXX XXXXXXXX " I called the bank to report the fraud as soon as the phone conversation ended and soon after I also reported the incident to the police. The bank representative mentioned via email that it was unlikely that I would receive funds back.

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 2022-08-21
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:
PLEASE DELETE ASAP The following addresses are not mines ; XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, tx XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tx the following Employers are not correct ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX the following inquiries were not authorized please delete ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I am writing to dispute an unauthorized inquiries on my credit report. I retrieved a copy of my credit report from a few organizations and noticed a credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX Sincerely, 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 2022-04-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by capital one. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$3600.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Affirm 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: Information belongs to someone else

Complaint:
I checked my XXXX credit file and found XXXX  personal loans taken out in my name from the company " Affirm Inc ''. The XXXX personal loans were taken out on ( XXXX ) XX/XX/2022 ; Balance : {$770.00} ( XXXX ) XX/XX/2022 ; Balance : {$510.00} and ( XXXX ) XX/XX/2022 ; Balance : {$800.00}. After speaking with XXXX, they have indicated that the address associated with the XXXX loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, Affirm today, and they could not provide help regarding the XXXX loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: American Coradius International LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has outstanding amount due for {$74.00} on my account which they claim was paid/credited to my XXXX credit card, but I never received it. I disputed the charge with XXXX and the amount was retruned to my credit card, however, XXXX turned around to charge me account with the amount. Now XXXX has sent the {$74.00} to a collection agency. 

This was for a returned purchased from XXXX, which I paid using XXXX and my XXXX credit card was connected. 

I have asked BOTH XXXX and XXXX to look into this as I should not be paying for returned merchansdise and for a credit I was owed. But they are unable to help me get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports.

In accordance with the written instructions of the consumer to whom it relates Please remove

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 2023-02-11
Company: Experian Information Solutions Inc.
State: NJ
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:
There is incorrect information 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 non-monetary relief
Consumer complaint received 2023-04-07
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted in XX/XX/XXXX about a debt in my name that was being collected by MLC and I responded on XX/XX/XXXX via certified mail requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I received a response after XX/XX/XXXX which only provided a portion of the requested validation information : The name of the creditor and amount owed. 
The date the account when it was obtained by them Confirmation that the account is marked " in dispute '' I did not receive verification that it was a valid claim, a copy of the last billing statement from the original creditor, a detailed explanation of the interest or added payments, nor information confirming this collection agency 's authority to collect. 

I subsequently sent another letter on XX/XX/XXXX explaining that I still require the requested information in order to validate the debt and I requested a signed copy of a bill or statement attesting to my financial responsibility, and the previous list of required documentation/information. I provided notice that under the FCRA they are legally required to provide this documentation and if it was not provided the debt must be dissolved. 

I never received a response from the collections agency ( MLC ) in regards to the validation information, and validation was never confirmed. 

On XX/XX/XXXX, I received noticed from the Credit Bureaus that a collections charge was posted to my report by the collections agency even though they failed to validate the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Genesis FS Card Services, Inc.
State: NC
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:
Unauthorized inquiries on my credit report CB Indigo XX/XX/22 Ive attempted to make contact by mail and phone. Ive received no response by mail. Phone calls are consistently disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: CA
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 XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 non-monetary relief