BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-06-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We moved into XXXX XXXX XXXX in XX/XX/XXXX. We signed an 11 month lease our lease should have ended in XX/XX/XXXX. There was confusion about when our lease started because I had to signed several different leases before moving in. 

XXXX XXXX was the property manager at the time and he did not take any accountability for the confusion or lack of notification. He insisted that i move out XX/XX/XXXX and my 'notice to vacate ' be handed in XX/XX/XXXX. I did not receive any written notice so I handed in my notice to vacate XX/XX/XXXX which should have been sufficient according to the last lease I signed. Due to this, XXXX XXXX said that I would be subject to a 40 % rent increase from XX/XX/XXXX to XX/XX/XXXX. This put our last bill approximately {$4000.00}. 

My roommates and I paid this debt down to {$1500.00}. We received several bills so I contacted a XXXX XXXX from XXXX and attempted to fight it with a legal team I was associated with. After making minimum progress, I proceeded to pay the debt down to {$500.00}. I have receipts and money orders dated XX/XX/XXXX signed by XXXX ( employee of XXXX at the time of payment. ) In XXXX of XXXX, XXXX XXXX XXXX and IQ Data reported a debt of {$1500.00} ( In two separate collection accounts ) to the credit bureaus despite my payments. It is now XXXX and I have disputed the debt 4 to 5 times and it still remains. I have contacted XXXX XXXX XXXX, XXXX, IQ Data International all 3 credit bureaus and my receipts seem to hold no weight which is baffling to me.

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 2018-06-06
Company: Capital Accounts, LLC
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:
Multiple attempts have been made to remove a fraudulent/misfiled account from my XXXX credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Synchrony Bank customer for several years with their credit cards and a savings account with over {$20000.00}. Synchrony closed 9 of my credit card accounts due to being a poor risk. 2 were Mastercards with the other 7 cards being store specific. My credit score is over 700 and I have never, ever made a late payment on any of the accounts. The total available credit on those accounts was {$62000.00} and my outstanding balance on the 9 cards totals {$920.00} for a 1.49 % credit usage rate. I was just issued the XXXX Mastercard 2 months ago and they now closed it. 8 of the 9 cards have had credit line increases in the last 60 days. My Lowe 's card had XXXX credit line increases in the last 60 days. I have requested numerous times for a possible increase in the Amazon card limit and was always denied. In the last 60 days my Amazon card was awarded a credit line increase by Synchrony. Several of these cards were issued when I was a XXXX XXXX  and I now make almost 3 times the money I did when those cards were issued. I feel I have been treated very, very unfairly by Synchrony Bank in their decision to close all the credit card accounts and I pose no credit risk to them whatsoever so I don't understand at all what they did!!!

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 2021-04-02
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-05-24
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Traded my used car for another used car and Westlake Financial still claim I owe on auto loan

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 2021-04-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have two accounts that are appearing on my credit report that are not mine I have been disputing this since XX/XX/2020 and I have not gotten anything back from the bureaus regarding this investigation. I have filed a FTC for this and mailed out multiple letters regarding this and I need it taken care of ASAP. 
Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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:
I have requested a verification of this account several times, I don't believe they have the right person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-10
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:
I been a victim of fraud / the Equifax breach, etc ... I recently disputed these items but as of today the problem still exists. I'm holding the credit reporting agencies accountable because they are the ones reporting frivolous information without providing or being provided with physical verification as promised by the FCRA. If not corrected this time I will be forced to start a law suit against all 3 agencies. Hopefully this could be resolved from here. The following accounts being disputed are ... ( # 1 ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ), ( # 2 ) XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CU Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I overdrew my bank account in XX/XX/XXXX and received a letter from CU Recovery collections. I called them to inform them the payment would be made to the bank not the collections agency. Afterwards ( the same day ) I verified this at my local bank with the bank manager and was ensured I could pay at the bank and no penalties would be levied against me. Again today XX/XX/XXXX I got another letter stating I owed the full amount when in fact I have paid down the original debt of {$420.00} to {$170.00}. This company is trying to collect the full amount AFTER being informed that they would not be needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Navient Solutions, LLC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loans were paid in full in XX/XX/XXXX, I thought I gave Navient ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send Navient a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if Navient is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to  purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: AZ
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/2018 XXXX XXXX allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CCS Financial Services, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reopening a complaint with XXXX XXXX XXXXCredit Collection Services for account number XXXX. After reviewing the documentation received, I have been able to confirm that this is a fraudulent account. As previously mentioned, I have only ever been in contact with XXXX XXXX for a quote. I was able to confirm that this account was opened without my knowledge by reviewing the details provided, such as an inaccurate address. I was attending college in 2017, and held XXXX insurance after searching for quotes. I was not living in the address on file at that time. I have reason to believe that the person who opened the policy is my mother, as the address used reflects that. I have provided documentation of my residence elsewhere for the insurance I did hold at this time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Identity theft victim

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: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Wells Fargo checked my credit XX/XX/2021 and I did not authorize them to do so. It is on my credit report. I have no credit cards nor loans with Wells Fargo. I have not applied for anything at Wells Fargo. 

Last updated Today Credit Alert New Inquiry Wf Crd Svc XX/XX/2021 from 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 2022-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS RIDICULOUS!!! I am unaware of this account! Why does this appear on my credit report? I require verification of this account! There is no contract associated with this account. I will sue you for causing me anguish!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS RIDICULOUS!!! This account is unknown to me. Why is this showing up on my credit report? I need confirmation of this account! This account is not bound by a contract. You will be sued for the stress you've caused me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 a loan with XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase took my payments put them in a suspense account then proceeded with a foreclosure. I have been trying for 4 yrs to get this fixed They began foreclosure proceedings before I was even behind on the payments. All their paperwork shows they served me aa 90 day notice in XX/XX/XXXX but the default date was XX/XX/XXXX. They claimed they had nothing to do with the mortgage everytime I tried to obtain information Yet in their own letters they state that they had interest in the mortgage until XXXX of 2016. They were moving forward with the foreclosure as I was working with XXXX to obtain a modification. Chase approved me for a modification when I sent payments they never cashed them. They claimed they never received them the same way they claimed they never received XX/XX/XXXX payment when all their paperwork shows they did and put it in a suspense account. 

Chase took my tax dollars for a BAILOUT foreclosed on my home with fraudulent documents on a Note and Mortgage they claim in some papers to have and in others they admit they do not have it. Their Attornies gave affidavits on false information and presented false information to the court claiming it to be true. 

Then Chase buys it back at an unbelievable low price of {$500.00} and the referee allows this to happen, How does the court and the legal system allow this to keep happening. This bank has XXXX of dollars in fines for fraudulent illegal activity and NO ONE CARES. eVEN XXXX looks the other way at irregularities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: MA
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:
DEAR XXXX XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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