BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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:
I need a HUMAN BEING to read my complaint I do not consent to E-OSCAR. 
In accordance with the fair credit reporting act EXPERIAN has violated my rights. They stated that XXXX  XXXX # XXXX and XXXX  XXXX XXXX  XXXX # XXXX accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-06-26
Company: Experian Information Solutions Inc.
State: TX
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:
Your improper reporting of accounts on my credit profile is causing difficulty for me to obtain credit. I've tried disputing this with you on multiple occasions i requested verifiable proof of these accounts and have yet to receive any. these accounts are not XXXX XXXX compliant and i hereby request that they be removed immediately.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

Company response to consumer: In progress
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: OH
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 have a collections account on my file that I have never done business with from XXXX XXXX XXXX XXXX XXXX I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.

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 2022-06-07
Company: Carvana Group, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Carvana is stealing money from Veterans in Arkansas and I am assuming many other states that issue a Veteran License plate at a reduced rate. I notified Carvana multiple times I would be transfering my registration over to the new car and have a verbal contract agreeing for the refund of the registration fees. However Carvana instead ignored this and is now attempting to steal money from myself in this insane fee which was not required. They have refused to refund this fee, this means that Veterans are being charged and extorted by Carvana for something that is not needed. Additionally, most likely due to the recent increase in states taking action against them and unhappy customers they have snuck in an arbitration agreement to their contracts to prevent their customers seeking justice and public awareness of these practices. The CFPB should take immediate swift action against Carvana for its numerous illegal practices and the insane amount of customers reporting issues with carvana 's " registration ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I arranged to pay {$100.00} on my car loan on XX/XX/2022 and set up recurring payments of {$200.00} weekly to keep my car from being repossessed and to get caught up on payments. I noticed on XX/XX/2022 that the recurring payments were not on my account and attempted to call number on account and was left on hold for hours and I submitted a XXXXXXXX  messages through my online account after each time I attempted to call that I needed to be able to have access to setup recurring payments and have emails that show I submitted those requests. I then setup recurring payments through my checking account and XXXX failed and setup {$400.00} again recurring weekly to catch up those payments and tried calling the loan provider because they kept calling in early morning hours like XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
My identity was stolen. I reported it to the credit bureaus. I reported it to the credit card issuer. I reported it to the debt collector. They all do absolutely nothing. They are worthless, only pretending to do an investigation. They lie when they say they send requests for information or copies of reports. They should all be in jail. XXXX XXXX XXXX, Midland Credit Management, and XXXX in particular are loathsome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
As a long-time public servant, I was using the studentaid.gov website to apply for public service loan forgiveness. The website informed me that I had to consolidate my loans in order for them to qualify and they offered a tool to do this. I began the process on XX/XX/21 and selected Navient as the servicer of the new loan. I was told that Navient will follow up with me in the coming days to service the new loan. Navient followed up with an email titled " heres the information we discussed '' with additional information about the refinance on XX/XX/21. On XX/XX/21 Navient sent me another email titled " Important notice from Navient '' in which I was told " XXXX, congratulations! You are one of the select few to receive a refinance offer. This appeared to be the next step in the refinancing process I had already begun, so I followed the link and refinanced my loan. What I did not realize is that this was an entirely different refinance offer. To make matters worse, it permanently made my loans ineligible for public service loan forgiveness as well as making them ineligible for the federal student loan pause. After the refinancing was done, when I spoke with Navi about this they said that it was my fault and that the loan could not be converted back to the correct type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 a credit account was opened in my name by someone other than myself at XXXX XXXX XXXX XXXXXXXX XXXX ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the XXXX on my Equifax credit report was still there so I filed a dispute. Equifax sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at XXXX XXXX ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to Equifax and there is nothing else that she can do. 
I then filed a 2nd dispute with Equifax explaining the situation and sent them a copy of the letter I received from XXXX XXXX 's fraud department. This morning, XX/XX/XXXX, I received the same report from Equifax " inquiries are a factual record of file access ''. 
I called Equifax and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, XXXX XXXX is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. Equifax told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WROTE EACH COMPANY REQUESTING DOCUMENTATION SHOWING PROFF THESE ACCOUNTS BELONG TO ME.THESE ACCOUNTS WERE DONE FRAUDULENT. I WAS NEVER GIVEN PROOF SHOWING THESE ACCOUNTS BELONG TO ME BECAUSE MY DATE OF BIRTH AND MAILING ADDRESS IS INCORRECT. THEY ARE CONTINUING TO KEEP THESE ACCOUNTS ON MY CREDIT EVEN AFTER BEING NOTIFIED THEY DONE FRAUDULENTLY.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the accounts was open without my knowledge.

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 2023-09-29
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my card in full XX/XX/2023. Balance after payment stated XXXX They stated something about trailing interest in my call today XX/XX/2023 and that I owed {$2.00}. They reported to credit bureau and my credit score dropped tremendously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
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:
After multiple attempts to contact Equifax, XXXX XXXX and XXXX regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by Equifax was completed ( attached ) Equifax still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. XXXX and XXXX have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I need help with these invalid accounts I found on my credit report. These are not mine. 
XXXX XXXX .. XXXX XXXX XXXXXXXX XXXX tell them not to add unknown accounts on my credit report. I want them remove asap! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: AE
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:
EXPERIAN HAS TAKEN MORE THEN 30 DAYS TO RESOLVE ISSUE TO SATISFACTORY. I DEMAND THE ISSUE BE RESOLVED AS I COMMAND THROUGH CONSUMER PROTECTION LAWS. SITED BELOW : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : 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 XXXXXXXX Experian is NOW in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave XXXX written instructions to furnish this information on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-07-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have sent complaints to be disputed to these companies without a response. Please ensure this information gets to the companies in question and is investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Going trough various documents and mailing I planned on shredding i cam across two letters from Truist which I assumed were bank solicitation. Upon opening I discovered the each letter demanded {$50.00} ( a total of {$100.00} ) to close accounts that I never opened and was not even aware I had. The account number on each letters differs but the mailing date is the same. In the letters Truist demand {$50.00} which includes a " {$30.00} Charge off fee ''. The letters also threatens reporting the alleged debt to " specialty check reporting agencies ''. 

Note that I never banked with Truist or any of their recent bank buyout. This seems to be a XXXX XXXX scam redo.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Capital One wont allow me to close my account out after they told me I could. They again told me that a decision would be made by the XXXX of XXXX after already being told I could close the account. They also are trying to say that I owe them money for transactions I didnt make. They told me I would be able to close the account on a XXXX  when I told them their banks were closed they said they would be open, which resulted in me staying in XXXX XXXX for several more days to retrieve my funds. Also they wouldnt release funds from a transfer that wasnt supposed to have happened. They wont respond via phone or email and have been holding my money for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief