BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: FORD MOTOR CREDIT CO.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had filed a complaint with cfpb on a account I had with ford motor credit and the Executive Analyst XXXX XXXX said that if I got this paid off with there lawyers that we could resolve this account and get it remove from all 3 of my credit reports well I was able to get my ex-wife to finish paying them and tried to call the lawyers to get the account remove they said I needed to get back with ford but no one was able to get me to XXXX XXXX to try and get this resolved. I then decided to try and get in touch with him with you guys now I am hoping that we will in good faith get these removed of my credit report for me showing good faith and keep on my ex-wife to pay this account off XXXX I have done everything to make sure that you guys got paid I know it not your fault for what she did But I really hope you can help me get this issue resolved and have them remove this account from my credit since I was able to get her to pay it all off again thanks for your time XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.

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 2023-07-11
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There are XXXX accounts on my LexisNexis report that are not mine. They list me as the Primary Policyholder. I have never opened an insurance policy with XXXX, because I have not ever owned a car until XX/XX/2023. These accounts are a result of years of identity theft by my mother, and XXXX has already resolved this on their end by terminating the policies as though they never existed. I sent them proof of the theft by sending a police report to them and informing them I never owned the cars on the policy. Unfortunately, I have already tried the dispute process with LexisNexis and they refused to correct inaccurate information, so I am going directly through the CFPB. I have attached Progressives fraud department results and the police report for your viewing, and I expect those accounts to be removed from my LexisNexis report. I am already unable to get car insurance because LexisNexis refuses to fix errors in my report. I will be including this issue in my eventual lawsuit if it comes to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
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 had a chance to view full credit report and I saw many inquiries that I have no acknowledgment of. 
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 non-monetary relief
Consumer complaint received 2021-04-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$23000.00}, {$39000.00}, {$10000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 

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

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$31000.00} 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 2021-06-02
Company: CAINE & WEINER COMPANY, INC.
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:
I filled a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We were taken advantage of ( me and XXXX XXXX ) by an employee at XXXX XXXX XXXX XXXX She sold us insurance products that we didnt know we are buying. Sneaky way. 
She used XXXX that we dont understand and took our money without even knowing. 

We rented a car on XXXX and the car was with XXXXXXXX XXXX XXXX XXXX. It was promoted at {$27.00} a day and We paid for the collision coverage ( insurance ) so the total with everything was about {$100.00}. Then we took our flight from XXXX to XXXX ( XXXX ) and went to the counter. She didnt get the reservation number and started asking which car we want so we told here whatever is on the reservation. She started asking about insurance coverage and we told here we already bought it and paid for - XXXX room about {$78.00} from my XXXX card and told us we will pay about {$27.00} at the rental car desk. So when the employee took our card we thought thats what she will charge - she started explaining the coverage of insurance and we thought she is explaining what we already bought - she then asked me to sign in the credit card machine so I signed ( didnt see any policy or options on their just a blank signature space like we usually do on credit card processing machines ) Then they charged my card about {$150.00} in addition to the {$78.00} they charged my XXXX XXXX - {$230.00} for a XXXX XXXX rental for a basic car- I did agree to buy gas at {$2.00} per gallon and I did mention we will use less than a gallon since we will XXXX XXXX from airport to hotel and back ( XXXX XXXX XXXX ) the employee confirmed it will be only {$2.00}. 

I need my money back- I paid XXXX {$78.00} and was told will only pay {$28.00} additional or so I need my {$120.00} back - I need justice Our had been taken and our credit card dispute department said if you paid in person we wont be able to dispute against the company. 

Rental Agreement - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Winklevoss Exchange LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021 - I created my Gemini account on XX/XX/2021. 
- While my verification was processing, I connected Gemini to XXXX in order to withdraw funds. 
- I processed a withdraw from XXXX to Gemini  in the amount of {$530.00} - Gemini notified that I was required to complete a domestic wire transfer for ID verification in order to deposit, trade, or withdraw. This directly contradicts the acceptance of my deposit from XXXX. 

XX/XX/2021 I had to open a new bank account because my bank did not support wire transfers ; processed a wire transfer of {$150.00}. 

XX/XX/2021 The wire transfer completes. Gemini notifies me of the transfer. 
Gemini notifies via email that my ID verification is complete : " Your identity has been verified! Sign in to enjoy the full Gemini experience. '' I exchange my {$680.00} USD to XXXX. 
I attempt to withdraw my XXXX to an offline wallet. 
Gemini does not allow me to withdraw XXXX with an error message stating : " Your transfer requires additional review by our risk team and can not be completed at this time. '' There is no indication of what steps should be taken to resolve this issue. There are no instructions for how to proceed. 

I contacted support immediately. The only way is via creating a support ticket, there is no telephone contact information. 
I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: WA
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:
Date of fraud was XX/XX/XXXX. It is for a loan from XXXX XXXX for some type of security system. Address attached to this is XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XX/XX/XXXXXXXX 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 2022-07-22
Company: EQUIFAX, INC.
State: AL
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 lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have reached out to the credit bureaus, and they said that they verified the information from my credit report during their investigation. But how is that possible when the last date active was incorrect, the account type is also inaccurate. This is definitely grounds for removal, which they have violated my rights under 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 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 2022-07-22
Company: Paypal Holdings, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FORMAL CEASE AND DESIST LETTER TO PAYPAL IN RE : 1 ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX I am hereby demanding PayPal cease and desist contacting me or trying to collect for these disputed transactions from me given I have no knowledge of these transactions and have strong reason to believe someone conducted these transactions under my name in order to carry out this fraudulent scheme. 

I have never had a PayPal account under my email address and believe someone created an account in my name to conduct fraudulent transactions. 

I do not recognize this activity and didnt know there was a PayPal account established in my name under this email address and am requesting I not be obligated to pay these amounts given I never opened this PayPal account or conducted these transactions. 

PayPal has also stated to me there is no active account under my email and it assumes the fraudulent account was closed so there is no way for me to respond to this case and let you all know this and what was going on here. 

I did not authorize nor do I recognize any of these transactions, therefore, shall not be obligated to pay for these disputes transactions and will file a lawsuit against PayPal in the event PayPal tries to make me pay for these transactions which I know nothing about. 

I have already requested PayPal stop contacting me under FDCPA in regards to these transactions and cease any and all communication in regards to these transactions which I know nothing about and in the event PayPal continues to try to contact me in regards to these transactions and/or attempts to force me to pay for transactions I know nothing about my attorney is already prepared to file a lawsuit. 

Sincerely, The XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: EQUIFAX, INC.
State: PA
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 contacted XXXX XXXX credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from XXXX XXXX and XXXX XXXX XXXX. I was sent a notice from XXXX XXXX that the investigation was complete and the debt is mine. I have not received any detailed documents from XXXX XXXX about this debt. XXXX XXXX is fraudulently reporting this balance of {$600.00} on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper, my mortgage servicer, debited my escrow account on XX/XX/XXXX in the amount of {$1400.00} to pay for my property insurance premium. 15 days later I started receiving notices from the property insurance company ( XXXX ) that my policy was in a cancellation status for non-payment. On XX/XX/XXXX, I spoke with a representative from XXXX they advised the payment that was issued from escrow on XX/XX/XXXX was still not received. I spoke with a representative from Mr. Cooper 's insurance processing center and she advised a batch payment was sent on XX/XX/XXXX and it should have cleared. She advised to give it another week and see if the payment will clear. On XX/XX/XXXX, no payment had posted to the property insurance and I spoke with Mr. Cooper again, the rep issued a payment in the amount of {$1400.00} to XXXX XXXX and advised she would issue a stop payment on the original XX/XX/XXXX payment. On XXXX, again I spoke with Mr. Cooper as XXXX payments in the amount of {$1400.00} have been debited from my escrow account. The rep on XXXX advised a stop payment was never complete, she completed the request and advised XXXX business days for processing. On XX/XX/XXXX, I again called Mr. Cooper as there are still XXXX payments of {$1400.00} debited from my escrow. After explaining the situation and being advised there is nothing she can do, I requested to speak with a XXXX. I was placed on hold and then disconnected on after XXXX minutes. Again on XX/XX/XXXX, I called back and spoke with another rep and was advised that they need to reissue the stop payment and wait another XXXX days. I requested to speak with a XXXX, yet again, and was put on hold for another XXXX minutes and then advised there is no one to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from  transunion, XXXX, XXXX  and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is 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