BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX  XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and 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 2022-08-01
Company: EQUIFAX, INC.
State: CT
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:
After misplacing my original credit card that I had not used in a long time, XXXX insisted that I be issued a new credit card and number. This account number is listed in the XXXX Consumer Report Dispute form that is attached to this complaint. They also required that I make a purchase with the card to 'activate ' it. I did have a single transaction and then waited for a bill. Because of some internal error on their part, I never received a bill in a timely fashion. When perhaps a month had gone by without any bill, I called them and asked where it was. They had not sent it because they said the old credit card had been deactivated, that a bill had not been generated properly, and there was some internal mix up. When they finally sent the bill and I paid it in full, it was recorded as late and reported to all the credit agencies. This resulted in my credit score dropping by about 60 points and damaging my credit for borrowing funds for clean energy improvements for my home including solar. I filed a complaint with XXXX with their Consumer Report Dispute Form. I explained the issue and they have refused to correct their report to the credit agencies including Equifax, XXXX, XXXX and XXXX. Other than this problem, I have no credit card issues, have always paid my bills promptly etc. This was XXXX 's error that I should not be penalize for. I have gone through their system and have not received a satisfactory resolution. I am a senior citizen and I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2022-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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
Consumer complaint received 2023-11-19
Company: EQUIFAX, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE!

I have disputed these fraudulent inquiries multiple times with Equifax and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.

Company response to consumer: In progress
Consumer complaint received 2022-08-23
Company: Colony Brands, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Magazines from Montgomery Ward/ Swiss Colony/ XXXX XXXX ( all the same company, but with different names ) was being sent to an old address I haven't lived at since 2008 with my name on the magazine. Someone committed fraud and was able to order items from the magazines using my name pretending to be me! This could have been prevented by verifying up to date information and not randomly sending out magazines with my name on it, giving random ppl opportunity to commit fraud by just ordering stuff. 
The unpaid balance has been reported on my credit report. The situation resulted in my credit score going down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: National Credit Systems,Inc.
State: MI
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 National Credit Systems 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 2022-09-27
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX, Experian and XXXX selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of XXXX and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit. 

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing XXXX XXXX  ( XXXX  mortgage ) online credit pulling service. Now XXXX doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX BANK XXXX Balance : {$2700.00} ; XXXX BANK XXXXBalance : {$2200.00}.

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 non-monetary relief
Consumer complaint received 2022-09-27
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX, XXXX and Equifax selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of XXXX and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit. 

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing XXXX pro ( XXXX  mortgage ) online credit pulling service. Now XXXX doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This letter is regarding Navient ( the largest student loan servicer ) and their continued systematic, manipulative, and fraudulent treatment of borrowers. [ i ] I understand that the Iowa Attorney General is a signatory on the XXXX brief filed with the United States Court of Appeals for the Third Circuit on XX/XX/XXXX. [ ii ] However, the class action lawsuit will likely take several years, at best, to resolve. 

Meanwhile, Navient is still making money by actively defrauding borrowers and cosigners in a multitude of ways, to wit : changing repayment plans without the borrowers consent, poor customer service and bad information causing borrowers distress, servicing transfers leading to surprising fees and lost benefits, and Co-signer policies causing auto-defaults and borrower distress, and using roadblocks to refinance keeping borrowers tied to high-rate loans, just to name a few. [ iii ] Specifically, I ask you to provide relief for XXXX XXXX ( borrower ) who owes thousands more than her original loan taken out in XXXX, and XXXX XXXX ( cosigner ). We have tried for several years to have XXXX removed as a co-signer, but every time XXXX gets close to the year required for on-time, level, auto payments, Navient changes the rules quite literally keeping XXXX captive to Navient. XXXX is being held hostage and when she called Navient on several occasions there is always some reason why she can not be released. During one conversation, a Navient rep actually hung up on her! 

If Navient were XXXX or some other company, the public would be enraged, and the government would have fixed this behavior within a year. 

If Navient is doing this to the above-mentioned individuals, it stands to reason that they are treating all customers in this way. 

[ 1 ] The complaint against Navient Corporation, Navient Solutions, and Pioneer Credit Recovery is available at : XXXXXXXX XXXX XXXX.consumerfinance.gov/XXXXcfpb_Navient-Pioneer-Credit-Recovery-XXXX XXXX 1 ] XXXX brief filed in the U.S. Court of Appeals for the Third Circuit XXXX XXXX XXXX [ 1 ] XXXX XXXX //www.consumerfinance.gov/XXXX/cfpb-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
Despite the 26 dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/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 2017-04-26
Company: EQUIFAX, 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:
I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED EQUIFAX,  XXXX  &  XXXX  AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO EQUIFAX  XXXX ,  XXXX   XXXX   XXXX  ALREADY. I UPLOADED REPORT TO  XXXX  AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a business and use Square to run credit cards. They have blocked my account and say its under reveiw and it would take 24 hours. But now its been 7 days and They will not release my money. There was a balance of {$5000.00} and sales this week of {$9000.00} that they wont release. All my auto debits are set to come out on Monday and my payroll for XXXX employees is in that batch of money. I dont know what to do please help me. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from portfolio recovery associates stating I owed {$2300.00} to  XXXX   XXXX   XXXX  llc. In that letter I was threatened with being sued and wages garnished. To prevent this I set up a payment plan for {$53.00} per month which I pay and have never missed. I cal led 3-4 times recently to see about a settlement, this company will only settle for a % of the remaining balance not the total balance. I offered {$400.00} to be done with this account and was refused, they offered {$640.00} 40 % remaining balance. I do n't see how this is fair collections practice, most collection agencies will settle for 40-60 % of the  amount but they refuse. I settled another account for about half what i owed, I 've already paid them over half current balance {$1000.00} with a pending payment {$53.00}  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Whitestone Financial Holdings LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a vehicle from XXXX auto search and were supposed to get a financed through Whitestone financial and I never ended up receiving the car and never make payments on that vehicle. The vehicle was actually sold to a friend of mine. I asked for A copy of registration Showing were the vehicle is registered to me. The company refused to provide it this is 100 % fraud and I was advised hi my attorney two put in a formal complaint. Before moving on to our next step. And the fact that they report of the payment XX/XX/2015 is 100 % wrong thats when my buddy bought the truck from that dealership. And if youre claiming this was A legitimate loan for a vehicle then why is it when the vehicle was sold to my friend my balance never changed nor was it ever repossessed from me?

Company response to consumer: Untimely response