BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-02-24
Company: EQUIFAX, INC.
State: CO
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2021-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection notification from Portfolio Recovery Services in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " XXXX. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When Portfolio emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " XXXX. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

Portfolio followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

Portfolio is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ive never had any credit except when my husband bought a vechile from XXXX XXXXXXXX XXXX. but also im having a with problem with idenity theft.i believe the socail ive been using doesnt match with my criminal record neither which is misdeminors and XXXX. i have a hardship over my head for the last 16 years for spite and the childs been adopted since day one. best thing i could do at the time as a mother

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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 belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 aN account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX my credit report was pulled to see where I stand financially for purchasing a home. My report showed a loan taken out under my social security number for {$100000.00} with FMC-Omaha Service that I did not authorize. I believe this is a case of identity fraud. The loan was authorized XX/XX/2023. I need to dispute this loan immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: U.S. BANCORP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a member of Union Bank since XXXX, and monthly I would receive my retirement. Union Bank changed to US Bank, and as soon as this change happened I stopped receiving my retirement and that was XX/XX/XXXX of this year. I called the bank to see what happened, and they said US Bank does not make automatic payments. I live in XXXX and they wanted to verify me. I answered all of the security questions correctly. They wanted to send me a code for verification, but there system would not allow it because I reside overseas. They explained to me that online banking or using my mobile device would not work until I went back to the USA and set up the system. They said only a Visa debit card would work. They ask me to wait 3 business days and said they would notify me. I gave them my address in English and XXXX  so they could send me a card. I waited 3 business days and never received a reply. I called the bank back and was told they could do nothing about it, and to return to the USA to settle the problem. To date I have not received any money from my checking account. I tried to email them, but never received any email back. This is an emergency for my family.

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 2015-12-23
Company: Prosper Marketplace, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have contacted Prosper on several occasions regarding the amount of time it takes for mailed payments to be posted to my account. 

Because of a recent delay, I encountered fees totaling {$40.00}. After filing a complaint with the XXXX coupled with information from my financial institution XXXX XXXX XXXX, Prosper agreed to remove the fees. 

Unfortunately, I have had a difficult time getting Prosper to follow through with their commitment. I have contacted customer service via phone on several occasions as well as forwarded multiple emails to XXXXXXXXXXXX to no avail. 

Considering interest accrues on my account daily, it is critical that Prosper processes payments promptly as well as address consumer complaints timely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX I came to the dealership to purchase a vehicle and they told me they would try to find financing so I waited and sent them all my personal information. The finance manager also asked me to remove the fraud alert from my credit report because he couldn't find financing without it removed which I thought was a bit skeptical. I removed it thinking he would find financing they did a total of 6 Hard Inquiries on my credit report until one day the car salesman calls me and told me when I was going to pick up the car that it was ready. So I went over there and then the dealership did not want to release the car because they told me that they needed a XXXX down payment or the bank would not finance the loan. I was thinking I was going to finance it with my own bank but they used high pressure sales tactics and didn't allow me to use my own financing. I was told that they couldn't give me the car knowing that XXXX XXXX had already paid for the car in which I did not find out until 6 days later when XXXX XXXX mailed me the first car payment stub. So here I was thinking that everything was going to be ok because the General Manager told me that he would reverse the transaction and if not then it would just show on my report as paid. I thought to myself this can't be right because the vehicle is still registered and paid under my name and he kept telling me that the car was never paid for. I knew this was a lie but gave him an opportunity to fix the situation. So here we are now XX/XX/2019 and the car starts reporting on my credit file on XXXX. Now I am getting a little more concerned as to what is really going on with the vehicle knowing that I am being billed and I called XXXX XXXX XXXX which is with XXXX XXXX and they stated that the car was paid under my name and they issued a check for the amount of {$26000.00}. So they got paid under my name and then resold the vehicle 2 days later knowing that they were paid they should have released the vehicle the bank stated to me over the phone in which I have the calls recorded and advised them that I would be recording them for legal reasons. So I asked the General Manager what we would do about the situation and he stated he could not get the vehicle back but he could possibly pay the bank back with the companies check in which I thought was also a bit fraudulent. I have hired legal counsel to move forward with the matter so that I can make sure all of this is resolved fairly and I can move forward in purchasing a vehicle elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Westlake Services, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
These hard inquiries do not belong to me, these are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-26
Company: Experian Information Solutions Inc.
State: NY
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 was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. 

I filed a report with the federal trade commission and let the credit bureaus and credit card company XXXX and XXXX  know and attached the report to my dispute. I also disputed these accounts to Experian and attached my federal trade commission to the dispute. 

all credit agencys but Experian has not removed the XXXX account and eversource account from my report. 

The account in question is XXXX XXXX And XXXX account XXXX Experian falsely responded to my original report to CFPB report number XXXX that the accounts Im disputing is not on my report which is not true and a lie. 

Please see attached my most recent credit report from Experian showing both these accounts still on my credit report. Page 31 page 35 highlighted Please see attached my federal trade commission report both accounts are highlighted Please see attached Experian response to my complaint Please remove these accounts from reporting. This is extremely illegal

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 2022-08-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXXXXXX XXXX Balance : {$660.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$450.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 2023-09-26
Company: EQUIFAX, INC.
State: CA
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 file this complaint with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. XXXX XXXX XXXXXXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: NJ
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage company has not spoken with me since I filed this complaint was XX/XX/2019. I would receive a call every third day. I called in regards to this foreclosures cancellation date and the company was not aware of the the current servicer decision

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am writing to the CFPB to make complaint about the reporting agency, Experian. This is not a third party filing this complaint. 

The credit reporting agency, Experian, has been furnishing false and unauthorized accounts on my credit report. Experian is in violation of the Fair Credit Reporting Act ; 15 USC 1681 ( b ) Permissible Purpose of Consumer Reports ( a ) ( 2 ) which clearly states, A consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I, consumer and natural person, did not give any written instructions to Experian to furnish these items on my account listed below.

1. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 2. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 3. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX**** Please ensure that all information is accurate 5. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 7. This account was never late. 
XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Remove the Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: JPMORGAN CHASE & CO.
State: NY
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:
Chase sent a lot - and I mean A LOT - of false info to a lot of companies! 

Those problems were reported to Chase, XXXX  & XXXX in XXXX! 

Those problems were reported - again - to Chase, XXXX  & XXXX in XXXX! 

Now - in XXXX XXXX - some of my Visa Signature Benefits r being delayed because of crimes committed by Chase, XXXX & XXXX! 

That is outrageous! 
Visa Signature Benefits r largely about transportation! 
I need that because of dis-abilities! 

Think about how abusive Chase, XXXX & XXXX have been with those crimes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XXXX 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank closed my account for no reason. I have been a faithful customer and always paid my account on time there was no reason that they should close my account. I have needed repairs due on my automobile and now have no way of having those repairs completed. This done during a Pandemic no less, totally crue, heartlessl and irresponsible.

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 2023-11-21
Company: Albert Corporation
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Tuesday XX/XX/XXXX {$170.00} was withdrawn from my checking account without my consent. I immediately contacted Albert to issue a refund and have been giving the run around. I am requesting that my funds be refunded immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Personal information incorrect

Complaint:
I have reported to XXXX that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/21 received letter about a balance of {$1600.00} - XX/XX/21 went on XXXX XXXX XXXX XXXX XXXX XXXX WEBSITE - made a payment plan to pay down debt - XX/XX/21 received a summons to appear for conference mediation regarding said debt. No notice, no nothing, some random guy showed up at my house - said you are being served, handed me papers and walked away. That was it

Company response to consumer: Closed with explanation