BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent XXXX, XXXX, Equifax everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions 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 received a certified mail letter from XXXX, XXXX, and Experian that proves they received my dispute for XXXX  XXXX  XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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:
I received a certified mail letter from XXXX, Transunion, and XXXX that proves they received my dispute for XXXX   XXXX XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.

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 2018-01-09
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally Financial keeps calling me and my parents to try to get my brother 's contact information for money he owes. I do n't know his info and told the company but they keep calling and harassing me anyway. They are calling during my work hours and affecting my job negatively and it is over something that I should not be involved in ( did not cosign or offer to be used as a reference ).

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 2018-01-09
Company: CORELOGIC INC
State: CA
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:
I received a hard inquiry impacting my credit report by A company identifying itself as XXXX/XXXX on XXXX XXXX, 2017. I did not authorize this credit check or any other mortgage company, broker, or loan lender to pull my information for purposes of a credit check. I believe my Ex. may have stolen personal info. and now it is being used for malicious purposes. I kindly ask to have my info removed from your system and the hard inquiry deleted from the credit report. Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: CT
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 reference to my Experian Credit Report # XXXX which is in response to my dispute to four accounts of XXXX XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX that reflect INCORRECT payment history ( I had automatic payments ) and one Collection Account of XXXX XXXX XXXX   that is ERRONEOUS as no monies are due are still reflected on this Credit Report. As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not understand. I was forced to go to the hospital against my will and was billed for being brought to the emergency room. From there I get a call from the hospital saying I was going to be sent to collections if I did not pay. I gave the lady my insurance information and she said " thank you very much! We will take care of it from here '' Few months later and here we are and I am being sent to collections and it was already settled. Never reached out to me again. If it wasn't for XXXX XXXX I would not even know I was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian is depicting XXXX/XXXX XXXX, account number XXXX on their bureau report.On XX/XX/2019 I sent in a dispute by mail.The account was not investigated or put under dispute.Therfor I submit the following : This account was established giving credit to purchase merchandise, a ring. 
The original amount was over $ 3000.After paying about a {$1000.00} in payments I found out the real value of the merchandise ... .not due to devaluation of gold or diamonds the ring is not worth {$300.00} due to poor quality.I quit making payments or trying to sell the merchandise.I found out about CALIFORNIA IMPLIED WARRANTY LAWS WHICH WERE VIOLATED AND SELDOM DEFEATED IN COURT AND NOT DEFEATABLE BY DISCLAIMER.THE VALUE OF THE RING AND AMOUNT FINANCED WERE DRAMATICALLY LESS THAN THE VALUE STATED AT PURCHASE ... ..DELETE FROM MY 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 2019-10-16
Company: Experian Information Solutions 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 sent Experian, XXXX, XXXX everything that they ask me to send them to show that I was a victim of identity theft I have ask them to validate this account XXXX, Account : XXXX and Previous Addresses : XXXX XXXX XXXX, XXXX , TX ,XXXX, XXXX XXXX XXXX , XXXX, TX ,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 2019-10-16
Company: Experian Information Solutions Inc.
State: NV
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 a few accounts that need to be deleted from my report that aren't mine.

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 2018-01-13
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Seterus will not send monthly statements after my bankruptcy even after verbal and written requests from myself and my attorney.

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 2017-09-22
Company: Experian Information Solutions Inc.
State: UT
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:
All 3 major credit bureaus have illegally hoarded my personal information without this consumers express written consent, pursuant to the 1974 privacy act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the fair debt collections practices act, all 3 bureaus mulishly and collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions and a host of others.
Fair Credit Reporting Act False and Misleading Practices Truth and Lending

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 2023-01-11
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have inaccurate information on a debit collection it shows a past due amount and from my understanding that's a violation it shows a past due amount of {$2000.00} XX/XX/2018 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 2022-08-14
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for an extension of credit to purchase a vehicle at XXXX XXXX XXXX in XXXX, TN was denied by Ally Bank. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to get a vehicle to assist my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card and my Licensed which is also a credit card. They received the benefits from my credit card while I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants, pursuant 12 CFR 1002.2 ( n ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
After six weeks the company Ditech has refused to send the title on my property. I'm unable to close on the sale of the home and am being given the runaround. This incident involving Ditech is not isolated. Ditech had refused to release the title on a previous property that I owned for several months. All debts have been paid to Ditech in full. I was further told that it could take at least six additional weeks when or if Ditech does send a title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon seeing my credit reports I discovered a debt in collection I have never heard of. I don't think its fair I was not mailed any information prior to it going on my credit report. This makes me question if it is really mine or an error

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: CO
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 X/XX/2017 I emailed a letter to equifax along with the various other reporting. Equifax is the one agency in particular I am having the problem with. I have only recently received an email response from them. The email sends me to a website to but I ca n't access anything on it because the page is an error page. I have tried called Equifax and they just seem to want to run around in circles.
The problem I am having is on my credit report Equifax has mixed up my information and my sisters. They ca n't seem to separate the two of us. They ask me to verify her information but I ca n't its not mine to verify. My sister 's name and social security number and her loans are listed on my credit report. She recently finished a XXXX which shows up with all of her loans on my account. Once I realized this problem. I contacted each loaning agency. I called to verify with each account that I was not listed as a holder of that account by my social security number and name or as a co-signer for my sister. Each vendor verifed this information but Equifax does n't seem to be able to make these changes. They are acting like a dishonest and lazy company.
All companies and the specific issues on my credit report are listed on the credit report and the letter submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: PA
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 in XXXX two times as XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the XXXX in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the XXXX XXXX until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/Equifax/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the XXXX. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the XXXX. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to XXXX that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: First Federal Credit Control, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I spoke with First FederalCredit Control. On XX/XX/XXXX, I sent a letter to First Federal Credit Contro asking them to provide me with the following information to validate a debt 0f {$310.00} from XXXX they are claiming was transferred to them from XXXX XXXX XXXX. I asked them to provide me with the following information : I am requesting that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay First Federal Credit Control. 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my signature for this debt. 3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the statute of limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Show me that you are licensed to collect in my state and your license numbers and Registered Agent. They did not provide me with any of the information that I asked for. They provide a document with supposed information from XXXX XXXX, however, XXXX XXXX is in XXXX, MD, not XXXX, MA. They are not authorized to collect on this account and the information should be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My PayPal account was permanently suspended for no apparent reason. When I called and asked for a reason they refused to give me one. I have {$800.00} in my PayPal account which I refuse to get to me until 180 days. Its been two months and due to Covid I am in need of that money since I have not been working very much. I expressed this to them and they could care less. Its caused me and my family A lot of stress that was unnecessary since I have that money sitting on. I dont think it is ready for them to pick and choose when I can access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: PA
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 in USA two times as XXXX XXXX  ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to Experian/XXXX/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: PA
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:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. XXXX XXXX XX/XX/2019, XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Paypal Holdings, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/21 from XXXX XXXX XXXX XXXX saying that I owe {$1300.00} on my PayPal account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. XXXX XXXX XXXX XXXX is requesting that I make the payment directly to them ( instead of to PayPal ).

I contacted PayPal and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to XXXX XXXX XXXX XXXX, as they believe it is fraud. 

I believe the letter I received from XXXX XXXX XXXX XXXX to be fraud/scam or a case of identity theft and do not plan to contact them.

Company response to consumer: Closed with explanation