BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-31
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Sir In years XXXX through XXXX I received many hostigating calls because amex increase the interest until 27 or 29 % An recently saw that the customers won a demand for this for XXXX XXXX  I WANT TO KNOW HOW I CAN CLAIM MY BENEFITS because I was affected with that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a personal relationship premier account with wellsfargo. I also have my daughters ' accounts linked to my account. They said when opening the account that since I have an account with minimum balance requirement of XXXX, some fees etc., wiill not be charged for my account and my daughters ' accounts. 

For just getting a temporary check leaf so that she can give that to her employer for direct deposit information, they charged {$3.00}. When I asked that the fee be refunded, they said they can not waive that fee. 

To give a temporary check leaf the charge of {$3.00} is atrociously high. They did not properly inform my daughter about the fee and she was under the assumption that any fees will be waived because of the premier account status.

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 monetary relief
Consumer complaint received 2018-06-11
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: Information belongs to someone else

Complaint:
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at.

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 2020-05-09
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this alleged debt that Resurgent Capital Services is trying to collect from me. 
They had 30 days to investigate. They refused to investigate my dispute because they stated that I'm dealing with a credit repair company. This is not so. I have a double XXXX in XXXX, I have worked in XXXX for over 35 years I'm more than qualified to write and dispute an alleged debt that does not belong to me. 

I'm making a last goodwill attempt to get this alleged debt deleted from my credit report. If the results are not agreeable to me I will be forwarding this to my attorney to sue for damages for defamation of character and other Consumer Fair Credit Report violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

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 2020-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2020 I spoke with Capital One employee XXXX, employment XXXX regarding Capital One Bank using the incorrect code and not accepting document under MasterCard Charge back Guide concerning multiple transactions with XXXX card under MasterCard Charge back code XXXX. 

Capital One Bank are refusing to submit my email to XXXX as supportive documents to Master Card under the attach guide which is attached see page 98-100. 

The transaction done by XXXX are fraudulent transaction under MasterCard Charge back Guide line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is from services that was not given too me but someone using my information.I had State issued Medi-Cal at that time and would not have been billed for any services.I have had State insurance since " 1985 '' and have continued today.I have ask for validation of this debt several times from this company whom has only advised me to contact the original creditor " XXXX XXXX XXXX '' which I have and they seem to be a very dysfunctional organization with little concern or corrective support.This collection company " XXXX XXXX XXXX '' has not been in compliance with FDCRA and I have not been able to get them to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX  Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or aroundXX/XX/2017 Below these addresses are not associated with me and I have never lived at. 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 2021-08-16
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This account is reporting late as reported in my XXXX and XXXX  Credit Bureaus. This was transferred to another lender so why is it acquiring late fees? Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please do so and remove the defamatory information you are currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020 there were 2 airline tickets purchased in the amount of XXXX each with PayPal under papal credit umbrella. There were 2 refunds issued in XXXX back to the papal credit in the amount XXXX each. However i have also filed a dispute for XXXX ticket and was also credited an additional XXXX from Payapal credit on XX/XX/2020 resulting in the over-payment of XXXX. I have contacted Payapal credit numerous times to make this adjustment reversal of this transaction. Since the original charge was made under payapal, payapal insists that i have received 2 extra refunds from Paypal credit, which is not the case and want me to repay to payapl XXXX, which is wrong, What i owe back is XXXX extra refund in the amount of XXXX, which nobody seems to understand how to fix.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11
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:
Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXX Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, 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 2022-08-09
Company: EQUIFAX, INC.
State: VA
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:
Equifax has violated my rights and has caused me distress. I have been disputing inaccurate information with this company for several months. They have responded stating they would verify the information and never conducts the proper investigation. A proper investigation is performed when they interviews parties and they have failed to do that. Per their website in the Data Sharing Policy " they are required to keep a record of the consent and to provide a copy of it upon request ''. I have requested a copy of each consent and have not been provided with this information. Equifax assumed this role without my permission and without my CONSENT! Equifax has violated my privacy under 15USC1681 ( 4 ). They are not treating me fairly, they are being partial, and they failed to holdup their responsibilities. As a result of this inaccurate information I have been denied employment and stable housing. This company has also compromised my personal data in several of their data breach. As of result of this, my personal information has been placed on various websites and have been used by others.

I am request full removal of the following in accurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT REQUESTING A DISPUTE BUT A REMOVAL This information was placed inaccurately on my credit report, without my consent, and Equifax has violated consumer laws. 

I have spoke with several managers and they have advised that Equifax put all information given to them with verifying that the information is correct. 

I have also filed a report with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXX XXXX via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander Consumer USA did not report anything on credit report from XX/XX/XXXX to XX/XX/XXXX so I wrote them a letter to update my credit report and I explain to them I had a Medical issue so I was out of work From XX/XX/XXXX to XX/XX/XXXX so I could not pay on the account and I sent them the documentation to back up my claim and I made up all the back payments to get the account current that I owe instead they reported closed /charge off but the account is open / active but they will not report the payment to the credit are change it as open and current I am doing everything right with them to try to fixed this with them they refuse to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX claimed that I owed them {$960.00}. However, I never used XXXX XXXX XXXX for my vehicle. I believe this to be due to the identity theft, which took advantage of my information. 

The XXXX XXXX XXXX ( phone # : XXXX ), is representing XXXX to collect such amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the last few years I have neen disputing the 24 musical bills from the State Collection Service and they are all  duplicate debts with late fees/interest tacked on. They keep adding 1,2, {$3.00} dollars and reporting them as a new debt to the credit bureau. I have seen over {$100.00} in just 4 weeks being added on and reported. They are causing me emotional and financial harm at this point. I never signed a contacted with this company. The attorney I spoke with said they are not allowed to charge late fees or interest to medical bills. I have not even recieved a notice in regards to the debt or the debt increase, I get notified by XXXX XXXX every time it increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: EQUIFAX, INC.
State: MO
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:
There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had an original mortgage taken out in 2006 through XXXX XXXX. This original loan was via a split mortgage ( 80 % of loan in one mortgage and 20 % in the other ). The smaller loan has always remained with chase mortgage and to this day remains open and current. Despite submission of direct evidence ( in the form of current billing statement ) in the dispute process, all three agencies continue to misreport this account as either closed, deleted from my report, or included in my bankruptcy. None of this is accurate. The larger loan has been sold to other companies over time ( 1st to XXXX, 2nd to XXXX, and finally to XXXX XXXX ). Again, after following the same dispute process ( with evidence provided ) it remains similarly misreported. All three bureaus have reported both mortgages from all companies at one point ( XXXX, XXXX, and XXXX ) so the excuse that they are not responsible for adding credit accounts does not apply here as they were all previously reported and listed on my credit reports. The fact that some have been deleted does not negate the responsibly to accurately report the information.

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 2018-06-10
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:
Equifax continues to report erroneous information on my credit report. I have tried to submit a dispute online to no avail. They claim the information i submit to confirm my identity is incorrect. This is just a scam to continue to allow fraudulent information on my credit report, which is against the law. I should be able to submit my dispute online however, they are illegally not allowing me to do so. The following accounts to do not belong to me and need to be removed : 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 2021-08-16
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you

Company response to consumer: Closed with explanation