BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: Experian Information Solutions 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:
I have sent a certified letter to XXXX, Experian, and XXXX  disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do, only sent me a letter saying the account was verified.

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 2020-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I became a victim of an identity theft at one of the Authorized Lexus dealerships ( Lexus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ). Unfortunately, neither claim to the Lexus Fraud Department, nor Police report I filed, helped me to resolve the situation. 
I found out that my former business partner forged my signature under the car lease agreement and put me as a co-signer for his car. Since we were in business together, he had the copies of my SSN and my driver 's license. 
He stopped making payments and in XX/XX/2019 I received a letter from Lexus, stating that I was financially responsible for such payments. I requested a Lease Agreement from Lexus and found my signature being forged. 
I was told by Lexus Fraud Department representative that due to the fact, that this deal was closed through some third party broker and the dealership had nothing to do with it, they couldn't further investigate this matter. The same they told to the police and the case was closed. 
I never agreed to be financially responsible for this car, I never provided Lexus with the originals of my documents, I never went to the dealership or met with a broker and I never signed this lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit

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 2021-06-25
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Identify theft not my account at all I sent you guys my police report due to the situation some how when someone use my name it got placed on my credit it needs to come off I already filed with the FTC

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 2018-11-01
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, XXXX, and Experian To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, 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 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I applied for a credit card. It was denied. Transunion score - XXXX. I have another score for Transunion of XXXX. XXXX - poor - XXXX - fair. The other two agencies XXXX  and XXXX are in the XXXX range. My score has been going up steadily in the last year except for the XXXX score which has not changed. I called Transunion but got no answer on this matter. Thank You. 
XXXX Credit Card. XX/XX/2018.

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 2017-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
Re : Capital One Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.

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 2018-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has called my father-in-law and us repeatedly stating that we owe a debt from an overdrawn Bank of America account ( which we never had ). They leave threatening messages and were extremely abusive to us when we called them. 

They also offered up my personal information without knowing who I even was, such as the last 4 of my social, my date of birth and my home address. They would have willingly given this to anyone who said they were me, which has to be in some violation of privacy laws at the very least. 

I am fairly sure this company is a scam and is trying to dupe people into paying their outlandish claims by embarrassing them with repeated calls to 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 2018-11-01
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 AM A VICTIM OF IDENTITY THEFT

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 2020-11-23
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I was informed that Convergent Outsourcing has been attempting to collect a debt that is not mine. I called to discuss the issue with Convergent Outsourcing, the debt collector, on XX/XX/XXXX and was informed that they have no proof or validation of this debt, but will continue to report this information on my credit report. 

I have filed an FTC Identity Theft report, which is attached hereto. 

I have been XXXX and XXXX since XXXX and I am unable to XXXX, XXXX, or XXXX  any contracts without assistance. I have attached my Indiana state ID card that shows a medical alert that I am 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 2018-02-23
Company: SYNCHRONY FINANCIAL
State: IL
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:
Fraudulent/ Wrong/ Billing Error or identity theft was being done to abuse my tjx credit card without my permission. I didnt give permission to tjx to abuse me ; or my credit card or me for marketing purposes. If they have done that then they need to pay me. 

My bill was {$900.00} on top of which I paid {$200.00} further as a bill payment via my XXXX XXXX XXXX account Online bill payment. 

XXXX launched their XXXX XXXX and tjx increased my bill from {$900.00} to {$2700.00} without me using the credit card and now they want me to differentiate which ones are my transactions and which ones are fraudulent transactions. That representative apologized which ones are somebody elses transactions. 

I told them that I just know that my bill right now should be {$900.00} ( as later on I paid approx. {$200.00} more then now the bill should be around {$700.00} which I need to pay off. ) XXXX is not my bill. 

Few of tjx billing department representatives called me and confirmed that yes there was a billing error ; which caused a problem. He apologized and affirmed that they will remove the remaining wrong charges / billing on my account caused by their mistake and I dont need to worry about this issue. 

After few months when they didnt adjusted the bill I called the helpline but their representatives were misbehaving and were very abusive and forced me to call and create a complaint with XXXX and CFPB by saying that if you have a problem then go create a complaint against our bank because their senior management is involved in this fraud. I dont know the representatives from tjx who called me ; either they called me from their cell phone or it was an official call. 

Please help is required in guiding tjx XXXX XXXX to remove the wrong billing out of my bills i.e. {$2700.00} - {$700.00} = {$2000.00}. Which I didnt use nor I am aware of who did it.

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 2018-02-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PNC Bank XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. 

I received a letter from PNC Bank dated XX/XX/2018 advising me PNC Bank will be closing my personal and business accounts XX/XX/2018. I called the number on the letter XXXX to find out the reason several times and they would only tell me it is their right to close any account they want at any time. One representative hanged up on me after I ask her to let me talk with the manager. 
I am permanent disable and live on a fix income below the 1 % poverty level and need to have a checking account to pay my bills with checks or debit card. 

Primary account number : XXXX, XXXX, XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Submitted all required documentation to Equifax in order to place a freeze on my minor children 's credit files pursuant to the Economic Growth, Regulatory Relief and Consumer Protection Act, on XX/XX/2018, the documents submitted included : 1 A copy of the minor partys birth certificate showing proof of parentage 2 - A copy of the minor partys social security card which provides sufficient proof of identification 3 A copy of my valid Drivers License which provides sufficient proof of identification 4 A copy of a valid utility bill verifying residence address. 
5 Completed Equifax Minor Freeze Request Form I contacted equifax and they verbally explained that the files were frozen ; however I never received written confirmation with their identification pin numbers. I have spoken with them numerous times only to be disconnected and even told that they arent allowed to place freezes on files for minor children

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Ability Recovery Services, LLC
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:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind. 

XXXX XXXX XXXX : Fraud! 
This account was open and used in florida at the time I was living and working in XXXX, Georgia Ability Recovery Service : Not mine! 
This is not mine and it shows up twice on my credit 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 2019-05-23
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: Account information incorrect

Complaint:
The account balances are out of date and incorrect. This impacts correct information providing input to lenders and the critical calculation of debt to income scores. That alone can pose a negative adverse action of unfavorable rates and terms upon both me and my spouse. The sad fact is these companies are allowed under current law to continue this facade without fear of any retribution for providing that incorrect reporting. By their own admission they are months behind and banks have no law that forces correct and prompt updating of positives, although significantly negatives are posted immediately and errors take months to correct. Sadly by opinion of experience when you deliberately and knowing present false or inaccurate information for consideration under the guise it is correct you have committed fraud. They who allegedly supervise, regulate or define themselves as protective agencies are by nature of non action complicit and accomplices to that deception. Certainly consumers are not allowed under fear of penalty why should these lenders, banks and reporting agencies given a pass given all are ethical, honorable organizations? The facts are even after correcting known errors their reporting is still inaccurate and by fact of system design will ALWAYS BE SO. Hence our FICA and CREDIT scores are lower due to invalid debt to income calculation. Outcome- adverse results from lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

Portfolio recovery account is Fraud account XXXX XXXX XXXX  is mine debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Navy Federal Credit Union never gave me money I reported stolen. They waited til I closed the account to issue me the letter but never gave me the money. They are stealing the money I reported stolen. I attached a photo of the notice dated XX/XX/2018. I reported over 500.00 stolen and they stole it. Recently they sent this letter that XXXX was refund or credited back AFTER I closed the account and did not receive any checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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: Account information incorrect

Complaint:
I closed the XXXX XXXX credit card account.

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 2018-11-01
Company: EQUIFAX, 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:
I did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - EQUIFAX DATA BREACH ... 

^^^^^^^^^^Equifax IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ran a credit report on XX/XX/2018. It showed delinquency to XXXX XXXX and XXXX XXXX XXXX credit cards. I called the XXXX XXXX and XXXX XXXX XXXX credit department on XX/XX/2018, both companies can not find that closed account and advised me to dispute it to Experian. I called Experian the same the day and filed the dispute. 
Today XX/XX/2018, I received an email that the results are ready then I called Experian to get the results since the online service is not working. Experian took-out the report from XXXX XXXX and kept the XXXX XXXX XXXX Credit Card, they said that XXXX XXXX XXXX responded that the report is accurate. I immediately called the XXXX XXXX XXXX and checked about the closed account account based on Experian Report but still they can't find it under my SSN. Now, I don't have any other resolution but to file this complaint to get a thorough investigation and remove that XXXX XXXX XXXX Credit Card record in my credit report if found that its not my card.

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