BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
When I started checked and disputed some errors with TransUnion on XX/XX/2020. At that date, my report still showed that I was authorized user for XXXX, XXXX XXXX and XXXX XXXX platinum. After my first resuft came out and I checked my report on XX/XX/2020, my XXXX XXXX/XXXX  ( account ending XXXX ) was deleted from my credit report. Then, I filed dispute again to get the errors fix, but when the new result from my dispute on XX/XX/2020, my XXXX XXXX platinum ( account ending XXXX ) and XXXX XXXX ( account ending XXXX ) is deleted from my credit report. I call XXXX and XXXX XXXX to find out what is going on, but they told me that they always report to 3 credit bureau even you are only the authorized users from the account. Now I don't know how to dispute these 3 accounts because they are no longer in my credit report. I also attach some evidences to support my complaint. The result of their mistake make my credit score drops and get high interest rate if I decide to apply for new credit.

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 2020-07-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
In XXXX of XXXX, the XXXX Toyota XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and Toyota dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from Toyota and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with Toyota, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Professional Finance Company, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX, I was served a summons I was being sued over a medical debt from XX/XX/XXXX. I had no clue about this debt OR that it had been purchased by a collection agency. 
When the services were initially rendered, I had been terminated from a government sponsored medical plan a week or so prior and didn't know I was uninsured. I had given the admissions person the XXXX information when I was seen in the ER. I found out later that day when I tried to fill a prescription, that I had been terminated from the insurance. 
I never received a bill for the services, so I thought it had been paid by XXXX. 
I moved to my current location in XX/XX/XXXX. I had the same phone number from XXXX - XXXX. I also had a job at the same place during that time. 
My first notice of this debt was the summons to appear in court for an outstanding debt of {$1000.00}. 
I have been attempting to fight the civil case in court per se since our first court date. Professional Finance Company, LLC has never called me or attempted to remedy this debt outside of the court proceedings. I attempted to settle for {$250.00} with my paperwork during discovery. No response, only another court date. 
Not only did I NOT know this debt was still owed for 4+ years, I didn't know it had been sold to this predatory company. They sued me without ever trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, INC.
State: SC
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 XXXX is reporting something on my credit that does NOT belong to me! I applied for a credit card with XXXX XXXX BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a XXXX XXXX credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with Equifax and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at Equifax by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: EQUIFAX, 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:
I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with XXXX, Equifax, and XXXX, they send me results that say verified. XXXX sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on XXXX. And under the comment section on XXXX, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on XXXX, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from Equifax ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on Equifax, and it shows that I have payments of {$120.00} and {$61.00}. However, on XXXX in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My XXXX is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Chase about refinancing an ARM loan for a Second home. Only after I was asked to send my W-2 and tax documents through an unsecured email and after a hard inquiry on my credit was I told because I rented the property in 2018 that I could not it as a second home even though I do not have renters and am not holding the property out for rent. A manager also informed me that I could not apply to refinance my second home because it was an investment property if my parents stayed at the home where I paid the mortgage. This seems wrong to me. I only received this advice once I disclosed my sensitive personal information and my XXXX background. I was encouraged to withdraw my refinance application or be charged an exorbitant rate. Something seems wrong here, including the companys statements about classifying my home as an investment property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Credit Associates, Inc. (MO)
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My collections from benefits were paid by insurance. I also disputed several reports and they said it would be removed but its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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 AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT ACCOUNTS: 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian  inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian  failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( XXXX ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. On XXXX XXXX, XXXX consumer received e-mail Experian  General Counsel ;  acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.

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 2017-09-25
Company: Debt Recovery Solutions, 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 do not have a contract with Debt Recovery Solutions and I never had one with them. I do not owe this debt nor do I own it. This account was already deleted from the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Atlanticus Services Corporation
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 been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2007 with a balance of {$0.00} and a high balance total of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian inaccurately reported on public record a civil judgment during time period the judgment was dismissed, XX/XX/XXXX to the end of the mediation program timeframe, XX/XX/XXXX. Experian failed to provide consumer history of credit report disclosures during the time period XX/XX/XXXX to the end of the mediation program timeframe XX/XX/XXXX knowingly would show that the ( CRA ) violated consumers substantive right to privacy. [ Boyd v. United States ( 1886 ) ]. Mr. XXXX XXXX Senior Vice President & General Counsel Experian on formal notice of the Mixing of Files and Information Shared to date, cause I.D . Theft/Fraud. OnXX/XX/XXXXconsumer received e-mail Experian General Counsel ; acknowledgement of my complaint of identity theft/fraud. ( " CRA '' ) admonition of data breach/cyber security attack has been documented.Experian 's defective disclosures resulted from failure to fulfilled statutory obligations ; constituted a reckless ; willful and wanton conduct that violated Fair Credit Reporting Act ( FCRA ), Section 1681g. Experian is liable under 5 U.S.C. 1681.

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 2023-06-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank admitted to reversing my direct payment to three of my creditor for three months causing my payments to be recorded as three months past due. Because of their error my credit score has gone down drastically and they closed my account causing my direct deposit from my pension to be late which Inturn cause a snowball effect that impossible for me to recover since Im on fixed income. They are now asking me for money for the error and windfall they created by claiming unauthorized claim to reverse my monthly contract payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
THis morning I tried to link my account for a state funded grant and PNC stated their was an issue at the bank and they could not link my account at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I use to work for and rent a mobile home from a man by the name of XXXX XXXX XXXX who owned a company called XXXX XXXX XXXX XXXX XXXX. Our agreement on the property was that I could live in the home and the power being included in the deal as well as lawn care and trash pick up for a set rate of XXXX a week because the place also needed a lot of work as well. XXXX automatically deducted my rent out of my check each week for the rent including power as well but for over a year I was under the impression that he was paying the power until all of a sudden the power was shut off on us one day and I actually had to call XXXX XXXX who then proceeded to inform me that the power had just recently been transferred from a one XXXX XXXX XXXX to me XXXX XXXX in the amount of {$1000.00} and I asked how this was possible they told me that they had spoken to me the prior day and I gave them consent to transfer the bill over and it become my debt at that point so you can imagine I couldn't afford to pay it and no matter how many times I told them that it was not me they spoke to they wasn't caring or never tried to right the wrong. I worked for the guy as a sole proprietor for off and on almost 13 years and knew he was slick about things but never thought he would do something like that to me and worse off how can XXXX XXXX take the word of a person over the phone that they are who they trying to say they are without first verifying the persons identification personally especially in an amount of money from one XXXX account to another person? Please help me right this wrong because this debt has been killing and draining my credit for 6 going on 7 years and its not my debt to pay and being a husband and breadwinner of my home with a wife and XXXX kids I wouldn't even pay that if I could cause its not my debt and anybody who takes the time out to investigate this situation could trace it back and see exactly where that bill originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Equifax Credit File is missing positive information about my credit history ( Credit Cards, Auto finance..etc ). This was happened on XX/XX/XXXX when i check Equifax Credit Bureau Report., my name shows old last name and all my positive accounts got deleted, account removed while back that came back, closed account on XXXX is reported as active and current employer removed..etc..The result, I dont have any credit history as per Equifax., ( i got denied for a credit card application on XX/XX/XXXX due to lack of credit history ) Equifax always making mistakes about credit file not reporting correct information., and i lost identity when Equifax had data breach incident happened. 
Equifax ruined my Credit, i send copy of my Social Security Card, Drivers License and address proof numerous times to them to correct my personal information but they never corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Today i recieve a credit alert of a credit inquiry/ credit card aplication for a capital one credit card, i did have a fraud alert on place but i never recieve no call, i did not apply for a credit card with capital one or no other company i call XXXX  to have that inquiry remove from my file and start today my disputed to have the fraudulent inquiry remove from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$2000.00} Balance updated XX/XX/2021 the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. What would you like done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Marlette Funding, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!

Company response to consumer: Closed with explanation