BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
The Equifax breach has exposed my personal information to the public, leaving me vulnerable to scams, identity theft, and fraud, in addition to countless hours of work trying to mitigate the damage and protect myself, having to prove to creditors that my identity has been stolen, and further unpredictable hours of work and stress caused by this breach. 

Equifax should not have the opportunity to store any of my information without my permission. The entire concept of me having no say over who has my information and what they do with it runs counter to what I would like to think Americans believe is their right to privacy. It is already bad enough that we have no control over this practice ; the idea that the companies entrusted with this information are not competent is really a step too far. 

The US Government should immediately restrict Equifax and any of its subsidiaries from any access to Americans ' private information. Banks, who are sure to suffer immeasurable losses from fraud caused by this breach, should cease all relationships with Equifax. Finally, Equifax leadership should be stripped of power and held liable for the breach they did not work hard enough to prevent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have several credit cards that had fraudulent activity in them I didnt know because my daughter purse was stolen with her phone as well I reported this to all of my credit cards and none of the have gotten back to me they shut off all my cards witch what happened wasnt my fault and I reported this to capital one, 3 cards there XXXX, kohls, XXXX, these card companies have closed all my cards after I reported they were stolen they didnt reissue them back to me and on my credit re XXXX posted them as closed this can hurt my credit as well as all 3 reports show different things on the and amounts they also have been running my credit over and over so I have so many hard inquiries on my report I would like this matter looked into immediately and fixed soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Earlier this year ( 2017 ) my identity was stolen and the cause was unknown. In light of the recent news with Equifax and the breach of over 143 million SSN 's, according to the Equifax verification website, my SSN and my wife 's is impacted by the breach. 

I have had several un-authorized accounts opened in my name and have spent countless hours correcting these un-authorized activities. Presently, I am disputing an account with a collections agency that is currently pending. My credit has been frozen with Equifax and XXXX XXXX, but I have been unable to successfully freeze my credit with XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX this year, ( XX/XX/XXXX), I received from XXXX XXXX XXXX a XXXX, cancellation of debt form, for {$XXXX}, which I filed with this year 's tax return and it was reported as income. XXXX XXXX  XXXX is still reporting to the credit bureaus that I have a balance of {$XXXX}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with XXXX, TransUnion, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX XXXX XXXX credit card account as having a {$0.00} balance and as being paid. My problem is with XXXX, TransUnion, and XXXX XXXX XXXX. XXXX and TransUnion wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$XXXX} to the IRS as income, they are still reporting it as the balance I owe them.

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 2022-07-13
Company: Bridgecrest Acceptance Corporation
State: DE
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 have several accounts listed on my credit reports and the do not coincide with all three reports 1 ) this Bridgecrest report is showing that its open and delinquent and I paid this account off in XXXX on all reports 2 ) department of education I had I had those accounts forgiven and they are listed as delinquent on all 3 reports 3 ) XXXX XXXX  theses accounts need to be reviewed they have all different Amounts on all 3 credit reports and some not even listed at all 4 ) XXXX XXXX is listed on my 1 credit report and not all reports as this amount that was not paid when the account was canceled this needs to be reviewed and deleted as soo. As possible 4 ) collection account with no source listed fo {$49.00} dollars not listed on all my reports this needs to be deleted as this information is not accurate 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open 6 ) XXXX XXXX XXXX  is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open XXXX XXXX XXXX 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: CA
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 is a bankruptcy on my credit report report. I have disputed this item and they will not remove this item from my credit report. I dont have a bankruptcy and this item is not accurate. Experian has failed to remove this item from my report and furnish me with the information of where they received this reporting from. I have proof that this item is not mine nor accurate. Also, the comenity bank account should be removed from my report as well. I have a resolution agreement directly from the creditor. I did not authorize them to access my credit as well.

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 2017-09-08
Company: EQUIFAX, INC.
State: MD
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:
On Friday, XXXX XXXX, XXXX the reporting company Equifax announced that they had been subject to a large-scale data breach that compromised the personal information of many customers including, but not limited to, names, email addresses, social security numbers, and driver 's license numbers. I was one of the customers who was affected by this breach as shown in this image : XXXX XXXX XXXX As a result of this improper handling of my credit report, a large amount of my sensitive personal information is now available to the general public. Those with nefarious intent can obtain this information and use it to commit a variety of crimes which will directly impact my quality of life, including but not limited to identity theft and credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Rentdebt Automated XXXX XXXX  XXXX XXXXXXXX XXXX  this account was sent to collections for total of {$4200.00}. Ive repeatedly asked collection company to remove item off credit report, to produce documents regarding original contract of debt, i firmly believe this is misleading information and this is all wrong. What contract did i violate to deserve this debt? The manager of XXXX XXXX XXXX,, do they have this document on file? I need proof please, or otheriwse remove this. It's damaging my credit. I did not do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call around XX/XX/XXXX/XX/XX/2019 stating Diversified Adjustment Service, Inc was a 3rd party debt collection company attempting to collect {$5000.00} on behalf of XXXX. I advised them that I have never had an account with XXXX. They wanted to me to confirm confidential information, which I refused to do and we hung up. I called XXXX directly to see if XXXX had record of money owed in my name and was told they had no record. I dismissed this as a " scam call '' and thought no more about it. However, upon apply for a debt consolidation loan, was informed that this amount was showing in my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: YKS Acceptance, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
bought a XXXX XXXX XXXX in XXXX from XXXX 's auto sales in XXXX ; CO and was financed through XXXX XXXX XXXX XXXX and was paid off in XXXX. 
XXXX 's auto sales advertise 9.99 % auto finance. 
XXXX XXXX finance charges that stemmed from a refusal to negotiate car prices : XXXX also refused to negotiate prices with Me, but did negotiate with cash customers. The resulting finance charge should have been included in the disclosed cost of credit. 
Hidden finance charges included {$1600.00} for a required repair warranty and {$100.00} for a required GPS payment reminder device. I was told I could not take the car out of the state of Colorado without permission after I already sign for the loan and claimed I could not back out of the loan because of this condition of the loan I did call Herbies ( now called XXXX wise auto ) and contacted XXXX about this matter she confirmed my account and said her manger would call me but never did and now will not return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've written World Finance Several times to provide Proper documentation they've sent duplicate responses I think they are fraudulent. Under 15 USC 1602 ( i ) I entered into a Consumer credit transaction I didn't receive a Loan as the creditor extended my credit to them using my Credit Card ( SSN ) Number. Creating the alleged debt I've asked them for Verification by Requesting the Document that Federal law requires them to. Refer to 12 CFR 1006.34 ( a ) they failed to send ( 1 ) Debt collector communication disclosure 1006.18 ( e ) they aren't in compliance and I will continue to write them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: WA
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 


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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
EQUIFAX Violated My rights as a consumer Equifax violated 15 U.S. Code 1681a - Congressional findings and statement of purpose and 15 U.S. Code 1681a ( 2 ) - Congressional findings and statement of purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/XXXX - Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' - Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' - The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX XXXX  XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX  XXXX {$450.00} XXXX  XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$1700.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX {$650.00} XXXX XXXX   XXXX {$660.00} CREDIT COLL  XXXX {$140.00} XXXX  XXXX  XXXX {$610.00} XXXX   XXXX XXXX {$120.00} XXXX  XXXX   XXXX {$66.00} XXXX  XXXX   XXXX {$300.00} XXXX XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX   XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}

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 2022-07-13
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone with my name has a collection and it was placed on my credit report. It is a XXXX XXXX  from XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  for XXXX. I have never used this utility company and have never lived in XXXX. I filed a dispute but Transworld and XXXX said they found it accurate and will not remove it. If investigator was smart, they can compare this collection with my credit report and addresses and conclude it was placed on my credit report in error and needs to be added to the person who used this utility company and lived in XXXX that has same name as me. I believe they just added it to mine by pulling my name, which is very uncommon. Please investigate and remove from my credit report, I have tried to keep a great credit report and this has caused me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CarMax, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The amortization forms used by CarMax are calculating higher payments than they should. 

The loan amount is {$22000.00}, interest rate of 3.70 % and a loan term of 66 months. 

Every online tool or calculator ( I'm using MS Excel Loan Amortization tool ) shows a payment of {$370.00} with a finance charge of {$2400.00}. 

The paperwork I received from XXXX shows a payment of {$380.00} and a finance charge of {$2400.00}. 

I called to alert them of the issue and they said their calculations are correct because they charge XXXX finance charge per day. But that's not how loan payments work. I even showed the rep how to calculate it using online tools.She tried to reach out to several people within the company but was told the calculation is correct. 

I mentioned that their systems are probably rounding incorrectly somewhere along the line, but they told me it is what is it and there's nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: OK
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX  XXXX P XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX  XXXX XXXX {$450.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$1700.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX {$650.00} XXXX  XXXX   XXXX {$660.00} CREDIT COLL XXXX {$140.00} XXXX  XXXX  XXXX {$610.00} XXXX   XXXX  XXXX {$120.00} XXXX  XXXX   XXXX {$66.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX   XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}

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 2022-07-13
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an online savings with CitiBank on XX/XX/2022. They had a promotional to earn XXXX XXXX  {$300.00} promotional cash bonus. If you put in $ XXXX, you get {$100.00}. $ XXXX you get {$200.00}, $ XXXX you get {$300.00}. I put in $ XXXX an entered the bonus code. I went online to Citibank customer service/Chat feature the end of XXXX to check on the status of my bonus. I was assured that he could see the promotion bonus code and that I should rest assured I would get my bonus soon. As of XX/XX/2022, I still do not have my {$300.00} bonus. I went online again today, XX/XX/2022 and chatted with Citibank. They now say that I did not open the correct type of savings and I will not be receiving my {$300.00} bonus as they promised. They agreed they could see the last chat where I was assured I would receive my bonus.

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