BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: Upstart Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was on the platform XXXX XXXX which gave me an alert that I may qualify for a personal loan to you know pay down debt Make a big purchase an alert told me I had a very good chance based on my credit score of obtaining a small personal loan. I am awaiting my employer to pay me for work that I have done but I just needed a little help financially waiting to that point of being paid. I thought, well this sounds easy enough lets try it.

I went through the entire process spending hours putting in my information, lifting my freeze on my credit report, providing lots of documents like my bank statements.. like they wanted the full bank statement not just deposits and credits and debits portion they wanted an itemized bank report My license oh my tax return a lot of personal information like and Im feeling very uncomfortable right now that I went through this whole process I was even told that I was preapproved and then their final decision they came back and said I was denied because they could not verify my employment. Please tell me how you can not verify employment with all the information that I gave them!!! they basically have my whole data file in their servers now ready to sell to someone else Im sure like this seems like a huge scam and it needs to stop its not OK to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX  XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX 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 2022-11-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act this company, 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 Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 U.S.C 1692 C ( a ) : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 D ( 2 ) : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The words Debt Collector, are profane to 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 explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions 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:
I was viewing my consumer report and noticed accounts names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXXNQUIRED ON XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXS INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON 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 2022-06-21
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: NC
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 have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 Experian, XXXX XXXX and XXXX. 
XX/XX/22 Experian XXXX XX/XX/22 XXXX XXXX XX/XX/22 Experian

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 2022-11-27
Company: ONLINE Information Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Insert Table Chart a Untitled - Edited Text Shape Media Comment I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Public record information inaccurate

Complaint:
I filed a dispute in regards to a Public record US BANKRUPTCY COURT CASE # XXXX TRANSUNION DID NOT PROPERLY INVESTIGATE THIS INACCURATE FILING.. ENCLOSED IS A LETTER FROM XXXX XXXX STATING THIS IS INACCURATE AND NOT REPORTING.. BUT TRANSUNION CONTINUE REPORT INACCURATE INFORMATION.

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 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX XXXX via XXXX and I was emailed back on XX/XX/XXXX by XXXX XXXX ( XXXX ) stating that they were interested in me as a candidate, then asked me to fill out some questions. After doing that, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX said that they would be giving me equipment to set up my workspace. This would be done through checks, which she sent me through email. At this point we were texting by phone ( XXXX ), and I was not given the exact amount I would be receiving, but I got an email image file of the check the next day. The check was for {$4600.00}, and signed by XXXX XXXX. I cashed this check, received the money in my bank account, and was directed to send the money to a vendor via XXXX and XXXX ( XXXX XXXX XXXX on XXXX, @ XXXX on XXXX ). I sent XXXX, divided into two payments ( one {$1900.00} and one {$1600.00} ) via XXXX, and the rest ( {$1100.00} ) via XXXX. I was then directed to cash another check, this one for {$4800.00}, but before the check could be processed, my first check was put on hold. At this point, I started to believe that this position was a scam. I interrogated who I believed to be XXXX and also XXXX XXXX, who was the recipient of another email I was given, XXXX. After questioning them on why the check bounced back, I was met with silence. They were previously very responsive when I was attempting to send payments, which was extremely suspicious, so I began the process of filing a scam report at my bank, Bank of America, XXXX, and XXXX. Upon closer inspection of the emails used by these individuals, I noticed that it did not say " XXXX  '' but instead " XXXX, '' after which I called the number provided at XXXX which is the legitimate website for the company. The customer service representative at XXXX informed me that this email was fraudulent and did not represent anyone from the actual company. 

Since I reported them to my bank, Bank of America on XX/XX/XXXX, they said they are still processing this claim. Because this check was processed by the bank, and it stated I had the funds to complete this transaction, while the check turned out to be fraudulent and a scam, I deserve to have all of my money reinstated and any overdraft fees for my account revoked.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: MI
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 have reached out to XXXX Bank numerous times via telephone, certified mail and through the credit reporting agencies about correcting my credit report. XXXX is reporting that I have a 30 day late payment and I have explained to them that during the XXXX XXXXXXXX pandemic I was XXXX XXXX XXXX XXXX due to complications of XXXX  for nearly 60 days and requested that they correct my report to reflect positive per the Heroes Act that protects me from my credit score from being ruined since it was due to XXXX. I have attched the Heroes Act and the late payment keeps coming back on my credit report which is gravely affecting my score. I have reached out on XX/XX/22, XXXX, XX/XX/22 and numerous other occasions.

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 2022-07-27
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have requested several time to refinance as well as seek help for paying off the loans. The provider stated that they do not off any refinancing or assistance. I have attempted to reach the Customer Service multiple times since financing the loans and it is multiple hours wait and when I email, they are unwilling to answer any questions ( despite advertising being able to solve issues via email on their phone line and website ). On XX/XX/XXXX, I emailed regarding concerns and there was no action or response from the company. Additionally, I have no access to my contract that I signed and payment schedule and do not have access on line. I attempted to reach them by email on XX/XX/XXXX to obtain the documents but was told to call the customer service. I was unable to get a hold of any one on the phone due to the extended wait time. When I was finally able to get a hold of a representative on XX/XX/XXXX. I was told I was not able to receive any statements or payment arrangement because they do not provide those to lenders. Additionally, I was directed back to my online account which has no information regarding my contract or statements available other than a payment history with no additional information. I was told there is a " Terms of Service '' that " counts '' as a contract. 

Here is the information of the Terms and Conditions with nothing specific regarding my loan with the company. 
XXXX XXXX XXXX 
I have also attached a screenshot of the attempt to view my statement where it does not show any information.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-19
Company: WELLS FARGO & COMPANY
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:
this account was open due to identity theft and was not verified by 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 explanation
Consumer complaint received 2023-01-31
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act

Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Account Number : XXXX Please remove it from my credit report.

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I need to submit 2 merchant dispute for merchandise not received... 
I tried to reach the merchant several times but they never provided a respond, the last email was sent on XX/XX/XXXX. 

Card ending in XXXX XXXX ) XX/XX/XXXX, XXXX XXXX {$900.00} XXXX ) XX/XX/XXXX, XXXX XXXX {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX, must be delivered on XX/XX/XXXX or before that date. 
I tried to reach the bank but the customer service close early, I can't call on operations hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Louisiana Recovery Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$260.00}. 

I have not signed any contract with Louisiana Recovery Services for any services at all.

Nevertheless, Louisiana Recovery Services should NOT be in receipt of my medical information. This is a violation of my HIPPA rights & subtitle D of the ARRA, SEC. 13401. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH AcXXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective 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 explanation
Consumer complaint received 2022-06-21
Company: CarMax, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, Carmax repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. Carmax sold my car in auction. I defaulted on XX/XX/2019. Which means Carmax received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, Carmax has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.

Company response to consumer: Closed with explanation