BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
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: Personal information incorrect

Complaint:
I need my personal information update correctly. My name is XXXX  XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( 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 they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX OHIO DOCKET # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB 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 2021-11-29
Company: Minto Financial dba Minto Money
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Minto Money has aggressively charged interest rates not originally stipulated. It has become increasingly harder to pay off the initial loan amount. Each time I log in, I see new fees substantially added to the principle. As of now, I have paid double the original loan amount in form of interest rates levied on my checking account. My pay checks are garnished, which has led me to the point where I need another entity to intervene. Please I just want to pay my initial loan amount of {$480.00} and walk away, because they want to set a financial trap for me that is seemingly unfair, unreasonable and not equitable. Please assist in helping to mitigate or in finding a middle ground between me and this predatory company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's 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 explanation
Consumer complaint received 2020-12-02
Company: Synergetic Communication Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter from Synergetic Communication , Inc. today. They are located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. 
The letter stated that I owed {$8700.00} from XXXX with a 7 digit account number.

I do have 4 accounts with XXXX. One paid in full a few years ago, current and closed at my request. Two, paid in full, current and open. One with a small balance, current, recently paid and open. 
I do not have any accounts with XXXX that even have that high of a balance nor do they have 8 digit account numbers. 
I contacted XXXX and received a recording to leave a voicemail. 
Not knowing if I had fraud under my name I checked XXXX and found no accounts past due with these balances for XXXX associated with me. 
I then called XXXX and spoke with customer service, collections and fraud departments. While on the phone with them I again checked my accounts with XXXX and as stated above found them all to be in order. No department at XXXX could even find that I have ever had an account with them that 1. went to collections or 2. for this amount and the collections dept. verified that they do not use 7 digit account numbers for an account or a collection account.

This is a frraudulent company trying to collect falsified debts or debts barred by time constraints which is against the law. Luckily for me I am an informed consumer who also at one time worked for XXXX and underwent extensive FCRA training. This company needs to be fined and forced out of business as they are preying on the uninformed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I could not obtain my free annual credit report online because Equifax was unable to sufficiently match the identifying information I provided with the information it has on file. Therefore, on XX/XX/2020 I mailed my written request along with identity documentation to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. Equifax failed to respond to my request. On XX/XX/2020 I mailed a second written request to Equifax with reference to the first. However, Equifax also failed to respond to my second request. After multiple requests Equifax failed to provide my consumer credit report in violation of my rights as secured by section 612 ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was placed on credit profile and forced to be removed. They have replaced debt back on credit profile. I believe it to be malicious at that point.

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 2021-10-04
Company: EQUIFAX, INC.
State: MA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.

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 2020-05-21
Company: PNC Bank N.A.
State: NC
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 several times to XXXX fraud department a police report and FTC report with court records showing the loans through PNC and PNC and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several warrants for XXXX XXXX XXXX arrest for using my identity. Those three auto loans are not mine. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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

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 2021-04-29
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I received a notification through My Fico that a new collections appeared on my credit report from the company " Vance & Huffman LLC '' in the amount of {$550.00}. I have never received a single written communication from this company. I XXXX  the company and found the company. They were able to tell me the last 4 of my SSN and my name with a previous last name but they read off to me an address that is not mine. The receptionist refused to send me any debt validation stating that if she sent me anything in the mail it will only be a notice that their office holds an account and how much I allegedly owe. The original copy she told me the debt was for, I have no idea who they are and I have never done business with them. It is my right as a consumer to be provided with proof of any supposed debt that I owe and the burden of proof is on the collector. This debt does not belong to me and is damaging to my credit report. I demand for this to be removed from all 3 credit bureaus immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The first complaint # is XXXX This is a request for documentation regarding the first complaint and that Customer is not satisfied with the abroad answer received by the CREDIT BUREAU ASSOCIATE - XXXX CA the company is stating that I XXXX XXXX XXXX SIGNED a document in the doctor 's office stating that " I was responsible for any balance remained unpaid. I would like to request : 1 ) A COPY OF THE DOCUMENT SIGNED BY XXXX XXXX XXXX STATING RESPONSIBILITY FOR UNPAID BALANCE ; 2 ) A STATEMENT ATTESTING HOW THE CREDIT BUREAU ASSOCIATE AQUIRED XXXX XXXX XXXX SOCIAL SECURITY NUMBER, WHERE THEY FOUND THE COMPLAINT SOCIAL SECURITY NUMBER, WHO PROVIDED IT TO THEM AND COMPLAINT IS REQUESTING IT IN WRITING BY CREDIT BUREAU ASSOCIATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XX/XX/2020 Received a U.S. Bank Reliacard through the mail for absolutely no reason just showed up. When I tried to reach a customer service agent, I was required to activate a card that I did not apply for. Once the card was activated, I waited on hold for 1 hour and 17 minutes before a customer service representative picked up the phone. Once the phone was answered, the gentleman asked for the card number and what the problem was. I provided the first 4 digits and the agent hung up on me. So I called back and went into the hold sequence again, this time waiting for 57 minutes. Customer service agent picked up the phone and asked how can they assist me. I stated that I received a card in the mail that I did not sign up for and wanted it closed / cancelled. The agent asked for the card number, I stated the last time I provided this information, the agent stated she was sorry and will take care of it right away. I provided the card number and she repeated this back to me, then hung up the phone. The card has been cut into pieces and will be mailed back to the return address.

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 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Cap1/wmt XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan is with XXXX XXXX. I have continually made Principal Only Payments and they continually charge me interest on them. Just yesterday I made a {$2000.00}, the representative XXXX employee ID XXXX and I both are recorded saying Principal only and yet I look today and they have charged me {$180.00} interest charge. They have said for the past 2 weeks that they are fixing it because i want to pay it off, I've called back multiple times and nothing has been done. I've tried everything that they've told me to do such as sending in the payment separately ( which didn't work ), sending it to a completely different address that they told me ( still charged interest ), and have called in and the representative and myself being recorded saying principal only and yet I'm still being charged and have to call in, and them telling me it's been corrected but it hasn't. I just want it fixed because I just want to immediately pay it off, I continually tell them this and they say just wait for them to fix it, all the while charging me a daily interest fee. They now have charged me over {$1000.00} on principal only payments and also over charged me interest on monthly payments. Please help me! I just want to pay off my vehicle and for it to be fixed. Ill do anything for this to be resolved quickly. I don't want anyone else to go through this. They also sent me my recorded phone calls, it however was just a blank form ( Included ). I have more employee names and employee IDs of a few of the people of many that I spoke to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been selling items on ebay, with PayPal as the money transfer service, for 10 years. I sold a pair of shoes on XXXX for {$150.00} and another pair of shoes XXXX for {$61.00}. The buyers paid for the items and I can see the money in my PayPal account, however PayPal is holding the funds. I mailed the items to the buyers on XXXX and provided tracking information. The notation beside each transaction in my PayPal account indicates that PayPal plans to hold the funds for 21 days. On XXXX, I called PayPal to find out why the funds are being held for so long. The PayPal representative explained their policy, stating that I had not sold anything recently. I explained that I have been selling and handling payment transactions through PayPal for 10 years with an excellent track record of customer satisfaction! The Paypal representative said I would receive the funds 3 days after the buyer receives the merchandise and he was not able to make an exception. So the buyer will receive the funds but I will not receive payment. This is not fair to the seller. I have shipped the merchandise and have nothing to show for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: LA
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:
The reason for me filing this complaint with your agency is due to Experian credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with Experian against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting Experian credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Bliksum, LLC
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 information incorrect

Complaint:
We want to direct your attention to a letter addressed to : XXXX XXXX XXXX XXXX On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD.XXXX Notes : Whom have filed a false claim on my credit report and have failed to provide evidence to what happened with a {$2000.00} deposit submitted in confidence since XX/XX/2012??? Falsely claiming I owe {$2400.00}, without an accounting of the deposit, this is a false claim currently driving my FICO score into the ground preventing me from attaining a VA home loan and funding for my businesses! They have " NO '' claim, we demand this claim be removed from my credit report and can be verified by my attorney " See contact info for my attorney '' below! 

Our Litigation Attorney Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca.XXXX Tel ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called Ally Bank to look into having fees waved for canceled checks, as they were lost in the mail by USPS. Because I misunderstood a question I was asked by the Customer Service Rep, and answered it incorrectly, my account was completely frozen and I have no access to my money at all. I was told I had to wait for a special rep to contact me and that it would take anywhere from 2 to 5 days. This is completely unacceptable, especially during a pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation