BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: ERC
State: UT
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 is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it. 

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine! 

ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine! 

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine! 

XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: JPMORGAN CHASE & CO.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
on XX/XX/XXXX my PPP loan was funded by XXXX XXXX, which went through XXXX, funded to my bank Chase.

Chase claims ( with no proof ) that the funding was sent as an XXXX, which I am NOT, I am a XXXX XXXX, Both my PPP application / XXXX  and XXXX state this, However Chase is sticking to their story. 

Chase then offers a " resolution '' if I bring in my XXXX Schedule C they will release, I did, they refused and then asked for a XXXX Schedule C to release, I did, they once AGAIN refused, then the asked for a list of my transactions, I brought those in, they still refused and closed my account BUT did not send the money back to the lender. 

Lender nor XXXX will respond to me at ALL to help resolve this situation, PPP 's are something I OWE back and I never saw a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent a letter on XX/XX/XXXX, to remove personal information, address, account name & account Number that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance XXXX {$75.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$920.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX Medical XXXX Balance XXXX {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX MEDICAL ) XXXX Balance : {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am a Licensed Used Car Dealer with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to XXXX the loan in which I new. I inquired about a XXXX XXXX truck, explained to him that my Transunion score was a XXXX and that I only had XXXX Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been my third year trying to get credit accepance corp to remove a debt that is not mine. They have never provided me with any documents and proof.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have never file for bankruptcy me and my father have the same name this maybe the problem

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations please remove the accounts below : XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ftc 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 explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX IS REPORTING ACCOUNTS DOUBLE THE BALANCE - THE PDF I'LL UPLOAD REFLECT THAT, PLEASE TAKE A LOOK AT : TOTAL CREDIT LIMIT TOTAL CREDIT BALANCE TOTAL MONTHLY PAYMENT AMOUNT THIS IS HINDERING MY OPPORTUNITY FOR A MORTGAGE AND EQUIFAX HAS NOT UPDATED AFTER MULTIPLE REQUEST THANKS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
There is an inquiry from capital one on XX/XX/XXXX but I did not make any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: WI
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:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two loans under the same student account with Discover Student Loans. Loan A initially was for {$2000.00}, the second loan, Loan B, was initially for {$10000.00}. I have been repaying these loans + interest since I graduated in XXXX. On XX/XX/XXXX I made a payment of {$15000.00} to both of these loans. This amount should have almost entirely paid off both of these loans. On XX/XX/XXXX the full amount of {$15000.00} was debited from my checking account. On XX/XX/XXXX when checking my Discover Student Loans account I did not see my payment of {$15000.00} reflected on either of my loans. I contacted Discover Student Loans customer support and was told to " wait 3 business days to see the payment reflected. '' On XX/XX/XXXX I saw that my payment was still not reflected on my student loan account. I contacted Discover Student Loans and was told they needed to investigate and it would " take several weeks. '' This payment was made from the same bank account it has been made from for the past several years, by the same person, to the same student loans. Discover Student Loans will not give me a case number for this " investigation. '' When I told Discover Student Loans that these 2 loans are continuing to accrue interest and a payment will be due next month because they are not reflecting my payment and that these loans should be paid off they were unhelpful and repeated they needed several weeks to investigate. When I asked to speak to a supervisor they said that was not possible. They do not care that a payment will be due next month, but if I do not pay I'm sure they will not hesitate to report my payment at delinquent and damage my credit score. Discover Student Loans received by payment of {$15000.00} on XX/XX/XXXX and is refusing to give me an investigation case # about my account not reflecting this large payment. I have no way to verify an investigation is even happening. The full loan balance is still being reported to credit agencies. Discover Student Loans customer service has been entirely unhelpful. I feel like I have nothing to show for my {$15000.00} payment, which should have almost entirely paid off my 2 student loans with Discover Student Loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I notice that on my credit report that I C System reported a balance of {$920.00} which I do not recall and I contacted the company Via fax in regards to this account reporting on my XXXX, and XXXX  Credit Report requesting a signed Document bearing my signature.

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 2020-02-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Suspicious withdrawals were made from my checking account in XXXX. 
I have called immediately, and Citibank was prompt in refunding me the two charges of {$500.00} and {$240.00}, and locking the debit card and sending me a new one. 

However, just a month after when a similar thing happened where a charge of {$1100.00} was made at XXXX  store located in XXXX IL. You locked me out of account for several weeks and concluded that due to lack of evidence, I am liable for {$1100.00} that the thief stole. This does not make sense, because you are rewarding a criminal by legitimizing the fraudulent charge he made. Citibank has chosen to penalize a loyal customer for several years of Citi Costco card member instead of believing in my claim for my hard earned money. 

Here is some evidence you overlooked. 
On XX/XX/XXXX, I was staying at home. I can provide alibi for it by using XXXX XXXX Timeline which keeps track of my location in XXXX XXXX. There is not a reason for me to spend a DEBIT transaction at XXXX  in a different state from where I live. 

1. I have not used debit card since I've opened Citi checking account in XXXX. 
2. By checking my Costco Citi c.c. statements, you will see that I do not shop at XXXX  3. Nor have I made any purchase in XXXX 4. My address on the Citibank shows that I live in XXXX XXXX and most of my spending is at different Costco 's in XXXX XXXX area. 

Thank you for listening.

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 2019-03-10
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint XXXX XXXX XXXX on XX/XX/19 for harassing me about a debt owned by LVNV Funding LLC. I do not owe the debt and XXXX was not following the requirements of the Fair Credit Collections Act. My request was the the debt be cleared from their rolls because it is not my debt. They responded that they would do so and stop contacting me. I had disputed the debt with XXXX and never received proof of the debt. 

LVNV Funding has now forwarded the debt to another debt collector, Resurgent Capital Services. This is a campaign of harassment by LVNV Funding to force me to dispute the same debt multiple times to wear me down so they can seek judgement against me in court even though the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Equifax is using their data hacking situation to scam consumers to purchase their credit tracking product once they are identified they are victims of the cybersecurity breach. When consumers contact Equifax to learn if they are victims for the recent Equifax fiasco, they are asked to enter their identity information to confirm if they are a victim. Once Equifax identifies that the consumer 's information has been hacked, they transfer the consumer to their XXXX XXXX XXXX product. This product provides the consumer with a skeleton information of their credit information ( barely any information at all ). If the consumer  complaints, Equifax forces the consumer to acquire their full spectrum of their credit tracking product at a heafty fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.

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 2019-03-10
Company: FIRST NATIONAL BANK OF OMAHA
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:
XXXX XXXX Card is showing my account 30 days late on all three credit reporting companies XXXX, XXXX and XXXX ) for the very month I paid the card off.

I had a {$7500.00} credit limit and after I paid them off they showed a reduction in my credit limit to {$1000.00}. Both of these reports have caused negative results in my credit score and they refuse to correct the problem. I paid this company every month and was never 30 days late. They charged me an additional {$18.00} one month after I paid them off telling me it was accrued interest from the previous month. I need this information to be corrected.

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 2020-05-20
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:
I was looking at my credit report today XX/XX/2020 because I need to rent an apartment in the next few months and I noticed that there is an account named XXXX XXXX XXXX XXXX on my report that is not mine ; there are also several inquiries that I never authorized. I don't know who these inquiries and account belong to but I did not give anyone permission to open this account or make these inquiries on my behalf using my personal information such as my name, social security number, birthday etc. I am not affiliated with any of the companies I listed on this report nor did I get any type of benefit as a result of these items reporting on my credit. I did not make any payments towards this account nor am I responsible for it in any way. I have filed a police report regarding all these unauthorized items.

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