BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: National Debt Group of NY
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We are told on phone that we are charged for carpet replacement while vacating the apartment complex. When we were vacating, we were told only a spot in one room needs to be replaced. However, it seems full house carpet replacement fees has been charged. We tried to obtain details of the charges but were denied and threaten to pay the full amount or else it will be reported to our credit history. We also tried reaching out over email but did not receive any response. 
Date vacated : XX/XX/2021 Amount : ~ {$1200.00} ( we never received a bill, only a call from debt collector )

Company response to consumer: Untimely response
Consumer complaint received 2020-11-04
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants and professional have created financial hardship for myself by damaging my credit with a debt that they can not properly validate and prove that the debt belongs to me. I have disputed this matter with them via regular mail and also with XXXX. Yet, Merchants and Professional continues to report this invalidated debt to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 following accounts, i never applied for, and they are fraudulent and unauthorized accounts : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/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 2020-10-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
So I went to withdrawal some money from my account and XXXX $ was taken out from the bank so I go inside and talked with someone and they said that the bank let us Barrow money but didn't know for what so then I call headquarters and then they say my husband had made a call when he was at the atm about a check that didn't deposit so we told them we didn't do that so my husband called and they said I called and said on XX/XX/XXXX and said I deposited a check for XXXX $ and it's not true I said I would like a voice recording of me or him calling that day they said they don't have audio or video from the atm or from the phone call so I go in the bank again the lady said it's from them loaning us money because the claim we made for XXXX $ I said if you loan me XXXX $ for the XXXX $ I said that doesn't add up she was nasty mean so we left I called again and talked with someone she said it has nothing to do with the XXXX $ so I'm trying figure out why my money was taken they can't give me a straight answer they caused me not to have my rent money they never talked to us about this as many times I went in there I have went everywhere to get help and I can't get help I'm just getting talked to like I'm XXXX  can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I was reviewing my credit reports on XXXX, XXXX and Equifax I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
When I was reviewing my credit reports on XXXX, Transunion and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.

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 2017-08-03
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX a letter was sent to Chase Cardmember Services, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with XXXX ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither Chase nor XXXX have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted Chase bank by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: VW Credit
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a payoff check and it was received by VW Credit on XX/XX/2021 at XXXX XXXX. Today is XX/XX/XXXX and the payment has still not been applied. I receive calls daily from their automated system that my loan is past due. I have called them several times and they acknowledge they have the payoff but nothing gets done. My account is now showing 30 days past due. I spoke with a supervisor on XX/XX/XXXX and they supposedly escalated it but I still keep receiving collection calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
First, Mariner Finance 's website altered my payments when I submitted them online. On XX/XX/XXXX ( XX/XX/XXXX ), I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XX/XX/XXXX. On XX/XX/XXXX ( XXXX ) I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XXXX. In neither case did I catch the discrepancy in time, nor could I cancel the payment. In both cases it caused my bank account to be overdrawn, though I did succeed in reversing the payments. Mariner Finance is not allowing me to make online payments, although the fault was with their online system and not with me, and obligating me to mail cashier 's checks or money orders. The most recent issue that prompted the present complaint is that I'm unable to see my balances, payment history, required payments, or billing statements online. Mariner Finance advised me to try their phone application. I tried it and it indicated I supposedly don't have an active loan. Mariner Finance states it doesn't provide paper statements. Therefore, Mariner Finance is in violation and out of compliance to meet its legal requirements to provide me with billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, INC.
State: GA
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:
Since XXXX of 2016, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on XXXX and 18 on Equifax. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, I requested Toyota XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of Toyota. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by Toyota to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: NAVY FEDERAL CREDIT UNION
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 is missing that should be on the report

Complaint:
This inquiry has been reported on my credit report. I don't know these companies nor have I ever did any business with this company. This company does not have a contact with my signature.

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 2019-02-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
XXXX  has been non-compliant with removing the unverified account USAA FSB XXXX which has been deleted by XXXX and XXXX . XXXX  and XXXX  have both completed their research and determined that USAA FSB was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: AMERICAN EXPRESS COMPANY
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 is missing that should be on the report

Complaint:
This inquiry has been reported on my credit report. I don't know these companies nor have I ever did any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
Hello Today 's date is XX/XX/XXXX i have tried on a few occasions to get rid of hard pulls that were fraud that i never applied for. Which I will fill you on the ones I am talking about. XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX and XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX. All four of these show up on my equifax and to the best of my knowledge i never signed anything or agreed for them to run my credit and would like removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
1. I paid a mortgage on XX/XX/XXXX, I thought I score on Experian would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix.

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than Experian and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.

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 2021-09-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian had a chapter XXXX showing on my credit report that is not mine I sent in documents to verify that it is not mine and that chapter XXXX doesnt report to any credit bureaus. Experian claim that my information was verified but it came from a thrift part I sent in the letter from the courts clearly stating what I am disputing but it remains 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 explanation
Consumer complaint received 2019-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To Whom It Many Concern : I bank with Wells Fargo. It appears I do not have any problem with any account being paid except my XXXX account. I go to XXXX at the beginning of each month, and schedule the payment. When I am finished with XXXX, I go to my account online with Wells Fargo, and it has come into my account, and it is a pending charge waiting to be paid. The amount is subtracted and shows waiting for the next days end. When I check it a couple of days later, it is not there, it has been removed, the pending is gone, and the money returned. After seven days, all of a sudden, the bill is in and it has been taken out. This has been going on for a year now. This month I did not check it, and it cost me because they did not pay it when it came in. They deleted it and returned the money. There is something wrong with this. 

Sincerely, 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 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have 2 accounts on my Transunion Report that I have disputed and requested that these accounts be verified and each time, the response is " verified '' but no documentation or explanation of their process on how they verified the information. These accounts are NOT mine and Transunion is reporting inaccurate information that is defaming my name and credit ability. 

1. XXXX XXXX XXXX XXXX opened XX/XX/2017 for {$1100.00} 2.XXXX XXXX XXXX XXXX ( Collection Account ) with XXXX XXXX XXXX as the original creditor for {$430.00} These are not my accounts and should be deleted.

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 2020-08-03
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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:
I am submitting this complaint about XXXX credit reporting agency and  transunion credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and transunion and XXXX are still not deleting it off 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