BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of 2022 I got a loan from credit acceptance. They completely gave me a terrible apr rate and I am struggling to budget to even get my sales tax paid. And its almost been half a year. I am paying over XXXX a month and they do not even refinance. it is horrible for a XXXX XXXX XXXX trying to make it in life.

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 2023-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Im XXXX  and have not used credit in some time, since XXXX I have had multiple inquiries in my report that are not mine and no knowledge of them, I have tried disputing to let them know they are unauthorized and possible fraudulent I had them on XXXX XXXX, XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX, XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX, XX/XX/23 XXXX XXXX XXXX, XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: LA
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  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Acount # XXXX XXXX  XXXX XXXX Account # 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 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 2023-02-15
Company: Experian Information Solutions Inc.
State: KY
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.

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 2023-05-25
Company: EQUIFAX, INC.
State: IN
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) 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 7 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. 

I have repeatedly requested that the above companies provide verifiable proof the debts belong to me and they have been unable to provide the proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have already filed a dispute for unauthorized charges a month and a half ago from my account with chime bank. The merchant was blocked from my account supposedly. Last night while I was asleep the blocked merchant deducted another {$120.00} from my account. I contacted my bank again to try and fix the unauthorized charge and I was told that they can not do anything for me. I asked to speak to a manager with the authority to fix this situation since the person I was speaking with had no authority to do anything. Chime then told me that there is no one I can talk to and no one who can help me. And then proceeded to hang up on me. I was not out of control or aggressive towards the rep. This is absolutely unacceptable. I demand an explanation of why and how this lack professionalism and competency is acceptable. I also need these faulty charges reversed and my own bank is refusing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no answer was ever received. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : 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 2023-07-12
Company: EQUIFAX, INC.
State: DC
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 is reporting inaccurate information on my credit profile I've asked XXXX to do a full investigation into this fraudulent account and delete it immediately however XXXX is continuing to report fraudulent information on my credit profile with no explanation of the investagation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX refuses to update balance and payment history correctly causing XXXX credit score dip by updated information that was from the past not according to statement date at first it was correctly reported on XX/XX/2023 of a XXXX balance then on XX/XX/2023 the updated information from XX/XX/2023 a previous past balance of XXXX which was a past due amount and doesnt correlate with reporting date normally reported after statement date causing dip in score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to XXXX XXXX. My only social security number XXXX. My only and correct date of birth is : XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts/accounts impacting my credit : XXXX  XXXX XXXX {$360.00} XX/XX/2022 XXXX XXXX XXXX XXXX {$270.00} XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
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: Credit inquiries on your report that you don't recognize

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 XXXX 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 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. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
This complaint is for EQUIFAX, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc dated XXXX XXXX. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23, I received a text message from a person saying that they were Wells Fargo bank and to confirm if there was a transition via XXXX for {$3500.00} from my account at XXXX XXXX. I replied no. I then received a text message telling me that XXXX of the representatives will be contacting me shorty. I then received a phone call from the number that is on the back of my Wells Fargo debit card thinking it was Wells Fargo calling about the fraud at XXXX. The person identified themselves as XXXX XXXX and a fraud specialist with Wells Fargo bank. The person had me confirm the amount in my accounts and the last couple of transitions. They informed me that someone was trying to use my XXXX to transfer {$3500.00} to a person in XXXX GA. I indicated that it was not me. They said to stop the transition that I would need to send {$3500.00} to a person that works for XXXX by the name of XXXX XXXX to ensure that the account is working and they can block charges for that amount. They put me on hold ( with hold music ) for a couple minutes saying they were connecting with a XXXX representative now. They returned and said that I will receive a request from the representative to send the amount and this will stop the fraudulent transaction. They said if I did not send the amount through this process it they may not be able to stop the transaction therefore I will be losing the money and I may be locked out of the account. Once I have sent the money, it would be returned to my account in 24 to 48 hours. After I sent the money, I was put on hold again to confirm the process. When they came back, they said there was an error and I needed to send it again. I said I was unable to do that at the moment. I asked for a reference number and they gave me the number XXXX. They then said they would call me back around the same time tomorrow to confirm where we are in the process. 

Once I huge up with them, I called the number on the back of my debit card directly and was sent to the online fraud department. While reporting what happened, the spoofed number tried to call me twice. I reported the incident to Wells Fargo and the case number is XXXX. Filed a police report online, case number XXXX. They also attempted to call me again from the spoofed number on XX/XX/23 at XXXX XXXX. I called Wells Fargo to add the additional information like my police report number they told me they closed my claim as there was no bank error and sent the claim to XXXX. The XXXX case number is XXXX. I was never informed by Wells Fargo that the claim was closed on their end until I made the phone call.

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 2023-08-11
Company: AAA Auto Title Loans, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2023 I had issues checking my balance and payment history using Cash 1 phone app and it was after normal business hours, so I called them the next day to discuss my loan. I requested a copy of my contract with loan terms and am puzzled as to why I have consistently been making payments of {$250.00} every two weeks and my balance remains close to {$3000.00}. None of my payments have been going towards the principle for almost a year. Also discovered Cash 1 has been submitting payment requests to my bank account ending XXXX 1-2 days prior of the due date, which is causing issues to my account. This gross mishap has taken place previously but definitely happened on XX/XX/2023 which is prior to my actual payday. I find this very unethical. Also because of the balance never going down, I can no longer afford to continue these high payments. The payments of this loan are higher than the Nevada payday loan limit per my income. Nevada limits payday loans to 25 % of their income and for some reason it is way over that regulatory limit. I request ( 1 ) a Cease and Desist of all collection activities until ( 2 ) a complete audit of my loan has been performed. ( 3 ) New affordable Loan terms are created to match my monthly income or ( 4 ) an agreeable settlement offer to conclude this loan or ( 5 ) if this loan has been found to misrepresent the terms and is deemed " predatory '', then the loan should be rescinded and brought to a XXXX balance, and no longer leaving me liable for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: KY
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:
There is a collection account on my EQUIFAX, XXXX, & XXXX XXXX reports that I didn't recognize. I disputed it with the collection agency, requesting proof of debt validation. They provided a statement that is addressed to a business with my name and the business 's address displayed below my name. This is clearly a business debt, however, this debt is reported on my personal credit reports, reporting to all 3 credit major consumer credit reporting bureaus. I sent the statement provided to the 3 major credit reporting agencies and they agreed that the debt is validated which it is not. The statement provided is showing no transaction history, only interest reported, for a short period of XXXX. I did not authorize this debt to be reported on my personal consumer credit reports. I will like this debt permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-25
Company: EQUIFAX, INC.
State: IL
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  Account # XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation