BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2017-12-15
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: Personal information incorrect

Complaint:
My Odyssey of torture continues!!! With no way to update ongoing complaints I have to open a new one again. Complaint # XXXX and Complaint # XXXX. Equifax continues to inaccurately report a Social Security Variation. I just received a letter from Equifax stating that The disputed variation of the social security number has been deleted from the credit file. Well NO it has not! I also just received another Equifax credit report with, drum roll, the dreaded Social Security # Variation reported on it! If the SS # Variation has been deleted from the file then it should not appear on the Equifax credit report now or ever in the future!!! Please, please, please someone end this MADNESS! Help me to regain singularity in my identity!! ONE SS # per person Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2018-12-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a XXXX XXXX credit card which is banked with synchronie bank. They stopped my card without mailing me any explanation. I called them 3-4 times they said they mailed me a package for me ti fill it out and send it bank. but I never received that package. Because of them my other credit cards are not working. Every time I call they do not give me any explanation or reason why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 Chase bank froze my account because of a deposit was made to my account and plan on closing my account and returning my funds. 

Chase bank have no authority to hold any of my funds. Regulations E & EFTA My loan is between me, my entity and the SBA They did not request any LLC or ask me about any business deposits prior to opening my account My name is my business I have no funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: FL
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 asked Experian Numerous times to send me a signed copy of everything I XXXX XXXX XXXX say 's I purchased on the XXXX account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX and XXXX   have both deleted this account from my credit reports because they could not provide this information. Experian needs to provide me with this information or this account needs to be deleted 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 2023-06-13
Company: Upstart Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was notified that Upstart had sold my debt with them to XXXX. I was immediately confused, as I had paid a settlement on this debt in XX/XX/XXXX through XXXX XXXX. The settlement was made months prior to the sale of this debt, which had already been settled and resolved. I informed Upstart of this, though they took no steps to correct the problem despite my efforts. Upstart sold an already-resolved and settled debt. 

I disputed this debt immediately with XXXX XXXX XXXX, the debt collector for XXXX, immediately, but efforts began to collect the debt anyway. After months of working through this situation, XXXX closed the account upon investigating and finding that the debt was settled. XXXX stated that they returned the debt to Upstart. Upon learning this, I contacted Upstart to request a resolution and proof that the account had been properly handled and closed, due to this being settled back in XXXX of XXXX. 

Upstart has been a nightmare to communicate with since the beginning, and has never worked to resolve any issues I brought to them. They sold an already-settled debt, which restarted efforts to collect a debt that had already been paid. On XX/XX/XXXX, after XXXX  indicated the account had been closed and returned to Upstart, I reached out to Upstart again to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Absolute Recovery Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX and absoule recoveries these account are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
Toyota Financial Services. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which Toyota states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - Toyota Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed US money. 

XXXX has not reviewed the verifiable information that Toyota had our money in hand. If there was an issue... Toyota should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2021-10-22
Company: HW Holding, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hunter Warfield, Inc. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX  
XX/XX/2021 
Account Number: XXXX

XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX

Original Creditor: XXXX XXXX 
Consumer Number: XXXX

Current Balance: XXXX

* THIS BALANCE WAS PAID IN FULL AND MS. XXXX XXXX CONSUMER COLLECTIONS MANAGER WAS GOING TO REACH OUT TO XXXX  AND CLOSE OUT MY COLLECTION ACCOUNT. I NEVER HEARD BACK AND THIS ACCOUNT IS STILL OPEN WITH HUNTER WARFIELD. I JUST TESTED THEIR SYSTEM.

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 2018-11-05
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:
XXXX refuses to process any of my disputes, by phone, they have it blocked online, and via mail. I have fraudulent accounts on there that do not belong to me due to identity theft. This is a federal violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
FCRA violations : not my inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX box XXXX XXXX XXXX XXXX TX XXXX XXXX type Post office box XXXX XXXX FM XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post XXXX box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$91.00} Status Collection account. {$91.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. {$10.00}, XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$12000.00} writte FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX OF XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open.

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 2021-09-02
Company: BARCLAYS BANK DELAWARE
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:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$43000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

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 2021-03-31
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
U asked for a pause in payments. No response. I rehabilitated the loan. No response. They only tell me to keep paying {$300.00}. I never receive any information. I have to call to get any information. I have XXXX and am stressing out. They don't care. 
Pioneer credit recover 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 2020-07-15
Company: Experian Information Solutions Inc.
State: MD
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:
To whom it may concern I filed a dispute with Experian back in XX/XX/2020. The balance that was shown for loan through XXXX XXXX XXXX was incorrect. Experian informed me that it will take 30 days to resolve. I had also submitted documentation showing the new balance. 
XX/XX/XXXX Experian sent an email stating that my information have been updated. I had 1 point decreased in credit score with out an explanation. Also the updated balance was still incorrect. I called Experian customer service and the person I spoke to didnt know why my credit dropped a point or why the information wasn't corrected. Now it's going to take another 30 days to resolve this matter. Experian is one of the 3 major credit reporting agencies. Not having the right information, is disappointing and also a road block in trying to apply for credit or to make businesses transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I refinanced my home. The loan was immediately sold to a company called RP Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I received a confirmation from the RP Funding company that they received {$2500.00} from my escrow on XX/XX/XXXX. In mid XXXX, I called the company twice because the first two requests from my local insurance agent, were not successful in obtaining payment for my homeowners insurance. According to RP Funding, on XX/XX/XXXX a check # XXXX was cut to my home owners policy XXXX XXXX XXXX XXXX ( XXXX ) for {$1300.00}. On XX/XX/XXXX, still having no payment XXXX insurance reached out to my insurance agent who spoke to RP Funding, and they subsequently wrote a partial payment for {$160.00}. This according is not satisfactory for the insurance payment because of the type of insurance plan I have it requires a full payment from the escrow. We will still be in default XX/XX/XXXX at 90 days without a payment in full. She contacted me XX/XX/XXXX, and I called on XX/XX/XXXX twice. First, speaking to the insurance department. They gave me a run around that I had to wait until XX/XX/XXXX or XXXX to ensure the check isn't cashed ( XXXX business days ) before any action could be taken. Then, I called for a manager who requested a new check, but not a stop or check payment (? ) on the original check. On Monday XXXX, my insurance agent contacted me to say we still had no payment from RP Funding. On Tuesday XX/XX/XXXX, I was on hold for 1.5 hours for insurance and at that point I gave up. I called back yesterday and got to a manager.  XXXX, who said that the manager on XX/XX/XXXX followed the wrong procedures, and we still have to research the original XX/XX/XXXX check. Once that is established as un-cashed we can begin to issue a new one. I was supposed to hear back by the XXXX via email and have heard nothing. The wait times and customer service is despicable and I am a patient person! My issue is that on XX/XX/XXXX my insurance will be in default and the mortgage company received the cash on XX/XX/XXXX. I feel we are running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: VA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Strategic Alliances, Inc.
State: GA
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:
On XX/XX/20, I received notice from credit card company that my credit score had decreased by 100pts!!. This prompted me to check my credit report. There was a collection account posted XXXX on my report by First Financial Asset Mgmt for XXXX XXXX XXXX in the amount of {$210.00}. I have never heard of First Financial Asset Mgmt until XX/XX/20. I have disputed the validity by phone and in writing with First Financial Asset Mgmt., but the false reporting remains damaging to my credit report. I need to report the practices of First Financial Asset Mgmt. I would like them to be held responsible for the damages caused to me and my family for making false reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Strategic Alliances, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a Company known as XXXX XXXX XXXX in the month of XXXX XXXX regarding a purported debt. I responded to XXXX XXXX via the CFPB portal requesting for a validation of debt according to the CFRA guideline. I did not receive a response from XXXX XXXX  instead, a Company known as First Financial Asset Management Inc sent me a vague letter and statement. I have no understanding of the reason why I was contacted by FFAM. I view this a misrepresentation and illegal tactic since I have never been contacted by them and oblivious to their interest in my response for validation to XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation