BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
While checking the credit report i noticed the debt collection from XXXX XXXX XXXX $ and to which I have no idea about on what basis the debt is on my account. 

This is insane and needs to be resolved asap.

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 2017-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My personal information has been used XXXX I found 18 Hard Inquire In one year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX TransUnion hard 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {$2200.00} that I 'm working on trying to get off my credit as we speak I did a father account did a police report TransUnion game medical XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday 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 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All of the consumer reporting agencies such as XXXX and XXXX are reporting inaccurate/outdated information on my account. The only address that should appear on the account is XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX. Furthermore the only phone number that should be associated with my account is XXXX and name is XXXX XXXX. All other addresses or phone numbers, aka, or emails are not valid and violates my rights to fair reporting.

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 2023-04-20
Company: EQUIFAX, INC.
State: TX
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 filed numerous Account verification letters and I have filed inaccuracies letters. All over the last two years with the most recent being XX/XX/2023 via certified mail. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: JPMORGAN CHASE & CO.
State: CA
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/XXXX {$4000.00} worth of fraudulent charges were made at XXXX XXXX and XXXX XXXX stores with my Chase credit card. 
On XX/XX/XXXX upon discovering the charges on my statement I called Chase to report the charges and communicated I did not know where my card was. The account was closed and Chase sent a new card. 
On XX/XX/XXXX Chase mailed a letter stating that I was responsible for the fraudulent transactions. 
I called to inquire and submitted the claim for a review. 
On XX/XX/XXXX Chase mailed another letter stating that the transactions were still valid and I would be responsible for them. 
On XX/XX/XXXX I filed a police report after Chase asked whether I had filed one. I submitted the claim for 2 more reviews and on XX/XX/XXXX and XX/XX/XXXX Chase mailed letters stating the transactions were still valid and I would be responsible for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: CA
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:
Consider this complaint as a follow -- up to ensure that this account is verified completely. 
The account is reporting mistakenly and I want its status to be fixed as soon as feasible. 

Please authenticate this listed account : XXXX XXXX XXXX : {$260000.00}

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 explanation
Consumer complaint received 2022-07-26
Company: REPORTS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/25, Reports Inc started calling at XXXX XXXX and called 26 times in a row in under 1 minute. I have the screenshots of my call log showing where they repeatedly called over and over. This is absolute harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: WELLS FARGO & COMPANY
State: WA
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:
Wellsfargo refuses to accept payment on account, even though i have payment posted to them multiple times.

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 2020-10-21
Company: EQUIFAX, INC.
State: HI
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:
My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I open a Capital one account in XXXX and in XXXX they sent me a Venture card account because I had a few other cards and didnt want to be late on any payments I was referred to setup Autopay I did and it was set to pay the minimum every month. This was fine till someone made a fraudulent charge in a XXXX of XXXX and I changed the balance and minimum due however it was more then the minimum I had set to pay and it made the remainder amount pass due which was paid the next week I was told. In fact for the month of XX/XX/XXXX I summited two payments however they reported my account past due 30days in XX/XX/XXXX which it was not. Then when I tried to correct it they claim I had missed payments by posting my payments twice for the same month XX/XX/XXXX and not posting payment for XX/XX/XXXX and still incorrectly reporting me pass due without supporting information. As their records show payments made on time and no pass due amount ever because they just post balance and schedule payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2022-08-26
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I signed the lease in XXXX and cancelled two service contracts in XXXX. The cancelation form was processed on the same day ; however, the cancelation refund was not issued until three months later ( XXXX ), after my multiple contacts with three different parties : XXXX, XXXX, and local dealer. 

I noted that the refund amount missing the SALES TAX portion which I had paid when I purchased the lease in XXXX. Today, I was told by the local dealer that Sales tax is not a refundable or cancellable item. If that is true, please send me the regulations or references regarding this topic.

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 2018-08-13
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2014 60 days late in XX/XX/2014 60 days late in XX/XX/2014 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal hold my account for about months ( XXXX ) for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for month but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried reaching out to this Bureau several times about accounts that do not belong to me and are reporting on my credit! This information is fraudulent and i want it investigated and removed immediately off 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 non-monetary relief
Consumer complaint received 2018-08-13
Company: EQUIFAX, INC.
State: MI
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 a Hard Inquiry for a request for Credit I DID no authorize from a division within XXXX   XXXX XXXX. Additional there is no contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
As of XX/XX/XXXX last year Transunion credit report showed me with a past due bill which I was not aware of and was able to dispute with the creditor my XXXX XXXX XXXX. 
Before that my credit score was 800+ and for that reason it wen down to XXXX or so. 
I opened a dispute with XXXX  and Transunion credit agencies on XX/XX/XXXX after I got a letter from the creditor that my balance was corrected and my account was cleared of the error. 
In XX/XX/XXXX Transunion confirmed to me that my dispute was approved and the credit issue was corrected. 
in XX/XX/XXXX I applied for a mortgage refinance loan and received a credit report and score from Transunion of 690-720 depending in where and who you ask. 
My credit score with XXXX  showed 800 plus and with XXXX  XXXX so I called Transunion customer service and asked for an explanation, they confirmed to me that my dispute was resolved but that my credit score was right and they refused to correct it and at the same time billed me for reviewing my credit score 24.95 plus taxes for the favor.

I cancelled the monitoring servie that I supposedly signed form and they returned the fee. however my credit score is still showing me with a high risk low credit subject.

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 2023-07-17
Company: BROKER SOLUTIONS, INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
New American funding ( NAF ) and XXXX XXXX pre-approval me for a VA loan. NAF said they can close on the XXXX of XXXX while XXXX XXXX said the earliest they can do is the XXXX of XXXX so I went with NAF since I was moving for work, I have to get to Virginia as soon as possible. To cut the loan story short NAF missed the closing date as promised be XXXX. I didn't close till the XXXX XXXX, l had already moved myself and my family to Virginia staying in the hotel and racking up hotel bills. 

Everyday the requirement changes that by the time one get resolved it already the next day for a new requirement. 
The last thing that happened was the disclosure I signed when I was locking in the rate had XXXX XXXX XXXX XXXX cash to close. The night before closing I was told I need to pay over XXXX XXXX at closing which was very upsetting especially because I didn't planned nor do I have time to do it. They knew I was under pressure try to get a stable home for my family and trying to get out under hotels bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NC
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:
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 U.S.C 1681. 

XXXX 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 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$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 CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$13000.00} -This is not my 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 explanation
Consumer complaint received 2020-10-21
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE ACCOUNTS.

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