BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 2020-09-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
tried to call target cc service ordered a bag from XXXX never received i believe it may have been stolen crime is up by me due to pandemic. i reported it to police i was charged over 180 dollars from XXXX never got back reporting it to XXXX no response. please credit NEVER RECEIVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXXXXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX; by sending Method of Verification letters certified mail, return receipt requested to Experian, XXXX ; And to XXXX via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. 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 2019-04-17
Company: Exeter Finance Corp.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX  has been increasingly delinquent with payments posting to my account ( see XXXX sheet attachment with check payments and date posted to account as well as screenshots of both payment and loan systems ). I would like XXXX to be prompt with payment posting to my account immediately once a check is cashed so that interest does not accrue. 

Payment Index Check Amount Payment Posted to XXXX XXXX XXXX   Payment ID XXXX Check Payment Sent XXXX Check Payment Cashed Difference Between Days Cashed and Posted 1 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 2 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 3 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 4 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 5 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 6 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 XXXX2 7 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 8 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 9 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 1 10 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 6 11 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 7 12 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 13 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 14 {$75.00} N/A XXXX XX/XX/2018 XX/XX/2018 N/A 15 {$75.00} N/A XXXX XX/XX/2018 N/A N/A 16 {$75.00} N/A XXXX XX/XX/2018 N/A N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Over the last 3 years SWC Group has made several unauthorized charges to our XXXX XXXX card small business card. The company name is XXXX  XXXX. We never supplied them with the card number nor did we authorize any of the charges. We even cancelled the card twice and they still somehow are finding the new card number and charging us new amounts. I contacted them on each occasion and they claim they don't have a record of the charge or aren't sure why we were charged but the charge clearly came from them and has been verified by XXXX XXXX. The charges are overturned by XXXX XXXX eventually because they are clearly fraudulent but require us to get a new credit card number and creates unnecessary work. At this point they are just committing fraud and hoping we don't notice to challenge the charge. This has been going on across years with the following charges - XX/XX/XXXX - XXXX, XX/XX/XXXX - {$6.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$64.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Upon receiving my daily XXXX and Equifax credit reports on XX/XX/2020, I noticed that two previously removed items were re-inserted. The accounts in question, XXXX XXXX, ( account # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were deleted previously due to the company 's failing to properly identify me. This is a blatant violation of the FCRA, which it appears reporting violations are becoming a regular practice of XXXX  and Equifax. Moreover, in accordance with the FCRA, if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the  information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXXThe company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of XXXX following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with XXXX, as the creditor has once again revised dates, substantially changing the reporting. 
XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 2022-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I purchased a sectional from XXXX XXXX in XXXX Ca. I used my debit card to pay for the Item. On the same day my account was comprised by XXXX. On XX/XX/2022 a XXXX transaction of {$2000.00} was deducted from my checking account on XX/XX/XXXX, another transaction was made in the amount of {$2000.00} on XX/XX/2022 a total of 4 more charges were made in the amount {$2000.00} to XXXX. The name of the recipient was lucychurchill dispute. I informed the bank of these fraudulent charges and they reversed the charges but later withdrew the amount back out of my account. On XX/XX/XXXX, more fraudulent charges were allowed to go through to handyman.com in the Amount of {$380.00} and also a amount of {$250.00}. Its quite obvious that my account was comprised but Chase continued to allow these charges to go through. I never authorized these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Experian and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX - ACCOUNT # : XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. I ask that this account is withdrawn from my personal file, as it is hurting my ability to obtain credit as well as my credit score. 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 2017-11-10
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX  acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXX.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with Experian, as the creditor has once again revised dates, substantially changing the reporting. 
Experian refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 2022-03-03
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct me 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection that just reported to my credit file name is Sequium Asset Solutions for {$340.00} this debt is NOT mine. I called the company, I never even lived at the address listed on this account. This is fraud and I want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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: Information belongs to someone else

Complaint:
On XX/XX/2021, I notified Equifax that several of the accounts they were reporting on my credit report were subsequent to identify theft. I filed the appropriate police reports, an FTC Identity Theft Report, Identity Theft Affidavit, and multiple letters to the several alleged creditors. Equifax initially deleted this information but as of today ( XX/XX/2021 ), Equifax has put all these accounts back on my credit report well-knowing, and after having determined these accounts were fraudulent, and previously deleted them. Equifax allowed these to be placed the fraudulent accounts back on my credit report AFTER having deleted them for a month. I have tried following up with them to seek an explanation but Equifax is entirely unresponsive claiming that they are missing information despite the fact the I mailed everything to them and I have proof they received it because I mailed everything certified mailed return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: IN
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:
EQUIFAX CREDIT REPORT HAS INCORRECT ADDRESS INFORMATION. 

THEY HAVE ALLOWED A CHANGE TO MY ADDRESS INFORMATION WITHOUT NOTIFYING ME. 

XXXX AND XXXX BOTH HAVE MY ADDRESS INFORMATION CORRECT. 

EQUIFAX HAS REVERSED MY CURRENT ADDRESS WITH A PREVIOUS ADDRESS. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX. 

THEY DO NOT HAVE THESE ADDRESS REPORTING CORRECTLY. THEY ARE REPORTING THE XXXX IN ADDRESS AS PREVIOUS AND THE NEW XXXX ADDRESS AS CURRENT. THIS IS WRONG. 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my monthly statement for the billing cycle that closed XX/XX/18. Upon opening the statement I noticed that I had been billed a {$19.00} annual fee. I contacted FNBO on XX/XX/18 and asked for the fee to be waived or for them to close the account and waive the fee. I was told that even if I closed the account I would be responsible for the fee. I asked for a supervisor and was told the same thing.

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 monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct me 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 non-monetary relief
Consumer complaint received 2019-06-20
Company: Capital Accounts, LLC
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: Account information incorrect

Complaint:
Hello, the information is incorrect. The procedure has been covered 100 % by the insurance company. 

Company CAPITAL ACCOUNTS LLC Account XXXX ( information from XXXX ) Amount {$81.00} Capital Accounts , LLC XXXX. XXXX XXXX XXXX, TN XXXX Phone Number : XXXX Website : http : //www.usecapital.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AARGON/COLLECTION/CHARGEOFF # XXXX OPEN DATE : XX/XX/20 AMOUNT : {$6400.00}. THIS ACCOUNT IS FRAUDULENT I HAVE NEVER AUTHORIZED SUCH SERVICES I HAVE NOTIFIED THE COMPANY OF ACCOUNT REPORTING ERRONEOUSLY.

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 2018-01-11
Company: CNG HOLDINGS INC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to XXXX XXXX XXXX , XXXX. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Paypal XXXX XXXX + {$21.00} USDXXXX XXXX XXXX Payment received Add tracking info Paid by XXXX XXXX XXXX Shipped to " Address '' Seller Protection Eligible Eligible when you... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Have you received this order? 
Domestic : No Shipment Tracking XXXX XXXX XXXX, Sent by MANUAL Status : Order Processed Print packing slip Edit tracking info Transaction ID XXXX Purchase details XXXX {$22.00} USD Item # XXXX Purchase total {$22.00} USD Fee -negative {$1.00} USD Total {$21.00} USD Until now they still lock up my account balance they promise after 6 months..but then still limited, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong 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 non-monetary relief