BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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:
someone from XXXX XXXX of XXXX opened an account with credit acceptance without my knowledge and made a whole new contract that I did not sign or see. This matter has been settled in court and credit acceptance has been reporting this fraudulent debt since XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Account status incorrect

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 non-monetary relief
Consumer complaint received 2022-07-26
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: Information belongs to someone else

Complaint:
No resolution after several contacts and submitted documentation

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 2021-08-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A few days ago I place a disputing with XXXX  and Experian into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my XXXX  XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.

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 2022-01-14
Company: Skopos Financial, LLC
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: Reporting company used your report improperly

Complaint:
A LETTER TO REMOVE THESE INACCURATE INQUIRIES FROM MY CREDIT REPORT WAS SENT XX/XX/2021.

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 2022-01-14
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-08-10
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my loan servicer was changed from the money source to Mr. Cooper and this complaint is against Nationstar Mortgage dba Mr. Cooper. XX/XX/XXXX is when my first payment was due and I promptly made a billpay payment on XX/XX/XXXX from my ally bank account to Mr. Cooper. The issue is amount is debited from my bank account but the payment is not being reflected on my mortgage account. I have provided Mr. Cooper with credit trace number of transaction, my bank account statement, bill pay account payee proof but they dont seem to care about all these and havent resolved my issue. I have even filed a dispute with my bank and they are also backup I guess and dont want to resolve the issue. I am at a loss of {$1700.00} because of this and I want you to intervene and resolve the matter for me. I read online and I learnt that mortgage companies are notorious in not reflecting correct payments especially after new servicer takes over. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Cascade CISS Holdings, LLC
State: AR
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:
on XXXX i contacted XXXX XXXX about a personal loan to obtain a property for a business, the loan officer used my personal information on another persons mortgage application that i didnt ask her to process, she emailed and said i didn't qualify my scores were low and my credit was damaged, this was not true i was approved with XXXX the same day i received a credit disclosure statement from XXXX XXXX with a credit rating of XXXX, after receving my drivers license and income documents i was treated poorly but was well qualified for the loan i was seeking, i am humiliated for the actions of the XXXX XXXX employee for trying to make me feel like i was nothing tre she lied about my scores and credit because i was XXXX XXXX this was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Diversified Adjustment Service, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor : XXXX XXXX XXXX : {$240.00} I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, XXXX, I even sent documents and called XXXXXXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a FEMA employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern : I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me, XXXX XXXX, for account number XXXX. In the amount Of {$480.00} Due to possible inaccuracies in these credit reports, I lawfully request the debt validation be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 15 calendar days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from reporting agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -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 2022-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I sent in letter to remove inaccurate credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Fidelity Rewards Visa Signature credit card from XXXX, but in these latest two years, I didn't use it. This XXXX, I received a call from this credit card company, and they told me that I owe them {$180.00}. I'm so confused about this money because I didn't use this card for a long time. They told me I was charged {$25.00} on XX/XX/XXXX, and I didn't pay the bill, including all the late fees and interest. I owe them {$180.00} in total, and they also closed my account. I lost all the reward points earned at this account. I talked to them. I haven't used this card for a long time. I didn't know why I was charged and why I have to pay this money. In the end I still paid the money because if I don't pay, they'll keep charging the late fees and interests. At the same time, I also filed a fraud case. About a week later, they found out that the {$25.00} charged on XX/XX/XXXX was fraudulent. They agreed they would refund me {$180.00}, but they can't reopen my account. I had about XXXX points in that account, and I would lose about {$1200.00} if my account can't be reopened. I believe it's all due to miscommunication. I didn't even know there was a fraudulent charge on this card since I didn't use this card for a long time. 

By the way, I also found that some of my rewards points were expired. The Fidelity Rewards Visa Signature credit card I used is described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card It clearly states, " Every eligible net {$1.00} spent equals 2 Reward Points. No limits on total Reward Points and no restrictive categories, Reward Points will not expire ''. I was never told that the reward points would expire and there wasn't any place I've seen that indicated that the points would expire, so I never thought of checking my rewards status. Recently, I checked my statements and realized that there are only XXXX points left in the account, while my record showed on XX/XX/XXXX that there were still XXXX points in the account. and I never redeemed the points since the card webpage said " Reward Points will not expire ''. 

I hope they can reopen my account with all of my reward points reinstated.

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 2023-06-29
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXXXX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a complaint about Wakefield and associates. I contested the medical debt in writing and was told they would let me know what happened with my contesting. I never received a written reply or phone call about the contesting. Instead they reported me to the credit bureau and I called them and they claimed it said it was marked as contested but wouldnt let me talk to a supervisor and said hed write it down for him. They wouldnt give me the name of the person they were trying to collect the debt for ( nurse practitioner ) or a phone number or address. They said XXXX. I provided insurance documentation and they continue to call and tell me you not paying this debt is hurting your credit. The most recent person to call had no idea I had contested this and continued to threaten my 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 explanation
Consumer complaint received 2023-05-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named XXXX, XXXX and XXXX XXXX has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party, I am filing this complaint on behalf of myself as it is my legal right to do so. I have some fraudulent addresses on my credit report along with some unrecognized collections from companies I have never done any type of business with. I have moved from XXXX OHIO years ago. 

MY ADDRESS IS : XXXX XXXX XXXX XXXX OH, XXXX Please Delete the following Addresses that do not belong to me : 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 CT XXXX, XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
These are the account that I have no records of ever doing any business with these following companies : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have file a Police Report as well with the XXXX Police XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has sent me numerous collection notices for a XXXX dollar bill supposedly owed to XXXX  for unreturned equipment. However, equipment WAS returned over a year ago. This is a common rouse of XXXX  trying to squeeze money of of former customers. I have also filed a complaint with 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 2021-05-05
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 closed my account 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 months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting 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 2021-05-05
Company: Experian Information Solutions Inc.
State: FL
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: Personal information incorrect

Complaint:
On XX/XX/2021 I submitted paper to experian credit consumer agencies, to clear my good name and investigate this collection agency for not following the law! they did not follow the law and remove due to incorrect Information provided by collection agency. Also the collect agency has stop all communications with me to resolve the 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 2022-08-25
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The account in question I was scammed out of in 2020. The scammer deposited checks adding up to around {$3000.00} ( I have never had this amount of money before in any account ever ) The money was then distributed to different accounts ( including XXXX XXXX payment for {$1000.00} ) The checks ended up being fake and the bank reversed the funds leaving me a negative XXXX dollar balance ( along with the inflated overdraft fees that were later applied ) The account was then closed. I never filed a dispute or was able to do much of anything about my issue, I played phone tag with the customer service there, they kept insisting that I had to pay that money back but it was never my money in the first place. I have not been able to open a bank account for the last two years and I still do not have the money to pay the bank back- which I should not have to nor want to do as this was a completely fraudulent event on my behalf

Company response to consumer: Closed with explanation