BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-12
Company: ID Analytics, Inc.
State: MD
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 disputed the inquiries online with XXXX and was advised credit inquiries were factual that stay on record for two years but was advised to file a report with the FTC, however, I was directed to the CFPB website. I contacted XXXX via phone and tried to dispute the inquiries with them directly. I tried getting in contact with XXXX, however, I didn't have any luck. Also, some accounts reporting on my credit file with bankruptcy have been disputed several times, but have yet to be removed from XXXX and XXXX, it has already been removed from XXXX. I will attach my credit file and it will show the accounts listed on each credit bureau. Also, I wanted to dispute addresses, spellings of names, and employers on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently had an identity theft problem and had to dispute many credit inquiries that were made by someone else. XXXX and XXXX were very helpful in helping me do so. With their help, it got cleaned up, however Transunion would not help me. There was one inquiry on the report that was not mine and they told me I had to have written documentation saying I was a victim of identity theft. I talked to them a few weeks ago and attempted to get documentation from the company that the inquiry was made through. They would not give me any documentation. I told Transunion what happened and they wouldnt help me. I currently can not get it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Today I spoke with a XXXX that was representing ACE Cash express and wanted to pay on what I owe in installments. I was told no unless I can pay it in full. Then was threatened to be sued. Also I have not received any validation of debt or any paperwork from them for that matter. All of a sudden a get a phone call from a private number with a threatening voicemail from XXXX whom was representing ACE CASH EXPRESS. I believe I am being bullied and what I can pay monthly is not being accepted even though they have not provided me validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: MD
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 submitted documents to the following companies to have the alleged accounts removed from my consumer report. All accounts listed were not removed, I have attached the documents again to have these accounts removed.

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 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a payday loan and read online they were illegal. I tried to pay the loan off and XXXX XXXXs with the money I owed minus what I paid, they refused to accept the payment. I called the state of New Jersey to find out what i could do and was told to not pay because they are illegal in New Jersey. I filled out a complaint with the agency. XXXX XXXX is an illegal lending institution and does n't have the right to put negative information on my credit report. I have called and asked XXXX XXXX to remove it and I have also disputed it to the credit reporting agencies and it is still there.

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 2022-08-12
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: Account information incorrect

Complaint:
I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is XXXX XXXX I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: MD
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 submitted documents to the following companies to have the alleged accounts removed from my consumer report. All accounts listed were not removed, I have attached the documents again to have these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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 upset that this credit reporting agency - Transunion would try such a blatant stall tactic. I am demanding that they re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. They basically said they will not investigate my fraud dispute. They are violating my rights under section 605B of the Fair Credit Reporting Act. 

They also need to provide me with their method of investigation. I want the items indicated in my letter removed until a proper investigation is completed.

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 2021-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
THIS COMPLAINT IS NOT CLOSED! CALL ME NOW! Per your document it shows the credit was REMOVED ON XX/XX/XXXX! 

Whoever responded is obviously an XXXX. 

The credit has been taken off my account and I will not settle this dispute until its fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA falsified documents in order to get me to pay an amount of their indebtedness to the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last month XXXX XXXX, 2017 I made a call to the Lender and made my payment on the phone and I still have this on my credit report. Is been almost a month and they have n't removed it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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:
I was checking my credit report and i was shocked. I don't know why you put this information to my account. I believe someone used my personal information and applied for this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: IL
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:
both XXXX XXXX and XXXX block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances

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 2019-04-08
Company: EQUIFAX, INC.
State: IL
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:
both XXXX XXXX and Equifax block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In relation to CFPB complaints:XXXX, XXXX, XXXX. 
On XX/XX/XXXX, I sent a complaint regarding United States Federal Code being violated by Equifax. Within thirty ( 30 ) days, I had not heard a status of investigation or 45 ( 45 ) days. Under United States Federal Code, U.S Code 15 1681i. This is NOT asking for an investigation with the data furnished or using any Automated Dispute System. You have FAILED to produce any results from the investigation dated back to XX/XX/XXXX, where I promptly put you on notice. I demand you correct all details as stated in my written correspondence as stated by law. If you fail to do so, I will file a complaint with the FTC, Governor of Ohio, and Attorney General and pursue legal counsel. If you close this CFPB complaint I will assume you're unwilling to cooperate with federal law, and if you close the complaint saying you are doing an investigation with the data furnisher, once again I will assume you're unwilling to cooperate with federal law. As stated in XXXX.S Code 15 1681i you SHALL by LAW, you SHALL DELETE or MODIFY said disputed items within thirty ( 30 ) days, of investigation and you have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX  Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : PXXXX Made on : XX/XX/XXXX Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: EQUIFAX, INC.
State: GA
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:
XXXX Bank ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX ran my credit on XXXX XXXX and I have not done any credit applications with any bank in 3 months. I called to ask why they ran my credit and they keep transferring me an referring me to other banks to call. No one is taking responsibility for why my credit is being ran. XXXX bank appeared around the same time on my credit. I do not have an account or any other bank products with either of these banks. The credit bureaus refuse to remove these inquiries and is referring me to the companies directly even though I told them my identity has been compromised. 
Among these inquiries that I have previously sent complaints about are XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and refund advantage. The credit bureaus will not validate these nor delete them when I told them that I did not authorize these and sent in proof that I had a police report showing my purse was snatched with all of my identifying information inside of it. 
I have a security freeze posted on my credit to keep this from happening again, but I need these items removed in case I want to get credit in the future.

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 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Bank of America is continuing to report a 30 day late payment on my credit card, despite telling me it would be removed by the credit bureau. The late payment is showing up in XXXX of XXXX. During this time I was caring for my sick grandmother and dealing with other XXXX related medical issues, and Bank of America 's hardship policy was supposed to help consumers in situations like these by not reporting late remarks that were associated with XXXX hardships. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( XXXX # XXXX ) instructed me that the credit bureau would remove the late notation, if I contacted them directly. Based on this telephone call, I immediately contacted the credit bureaus requesting removal of the erroneous late payment. On XX/XX/XXXX, I received a response from XXXX XXXX stating they conducted an investigation and determined the disputed information was verified as accurate. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( ID # XXXX ) said that she saw the notes about the late payment and that she did not have the ability to change the credit reporting. She said that the issue was under review and a decision had not yet been reached. She said I would be receiving a call from XXXX XXXX, which I never received. 

After my call on XX/XX/XXXX, I received a letter in the mail from Bank of America, dated XX/XX/XXXX, which contradicted what I had been told over the telephone. The letter stated " We didn't identify any payment record errors related to this account. As such, the delinquency is valid. '' This letter shows that a decision had in fact been made, which was contradictory to what representatives at Bank of America were telling me.

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 2019-04-08
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in XX/XX/XXXX from XXXX XXXX this collection was added to my credit reports. I obtained the collection agencies information and contacted them. I spoke with a representative and she asked for my name, address, social security number and address. After providing all of this information,, the representative stated she does not have an account for me or any of the information I provided and I must dispute this with the credit bureau directly. I disputed this immediately with the credit bureau and they have not removed it. It was updated to included in bankruptcy. I have not opened or used any utility accounts in my name since XX/XX/XXXX. If there was ever an account with an XXXX XXXX XXXX XXXX it would have been included in my XX/XX/XXXX bankruptcy and that is beyond ten years to remain on my file. The credit bureau has refused to provide the information in which they verified the date this account was opened and when the collection agency took over this account.I am even unable to get my dispute results from the credit bureau even though they've emailed me that my dispute results are available. Every time I enter my information to obtain the results, XXXX XXXX  and XXXX websites all say technical difficulties for the past week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: MD
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 recently checked my credit report and have noticed some accounts that i did not authorized. I've provided the documents required by the FTC to have these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, 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 have contact YOUR CREDIT AGENCY and have informed you that I am a victim of identity theft and that XXXX in the amount of {$1300.00} account is a result of identity theft and so is XXXX XXXX XXXX IN THE AMOUNT OF {$1100.00} YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account.

Company response to consumer: Closed with explanation