BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX is a loan Company on the XXXX XXXX or New Mexico. I reached out to this company via email and CFPB and advised that this is not by debt and ease do their due diligence and investigate. This account was open on line in my name. This is not my debt along with several other fraudulent accounts. I contacted my local police department and filed idenity report as well im also aware that my information has been found in several data breach and im asking to either validate show proof this is my debt or remove immediately from my credit file. I will notify the FTC to step in if necessary.

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 2018-07-10
Company: Aargon Agency, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company on SEVERAL occasions and no resolve the most recent was XX/XX/18. I was advised that they will send me a itemized statement. My response was that at itemized statement is NOT validation of debt. It is simply a description of what they charge for services! In addition per the FDCPA section 809 validation of debt must be provided.This collection agency also advised they are NOT the original creditor so in addition they MUST also update my credit report stating disputed by consumer or similar language WHILE trying to provide proof that I OWE THIS DEBT.This consumer is also LYING and advising they are only reporting to XXXX and XXXX but it IS ONLY listed on my XXXX   credit report because they could NOT prove the debt to XXXX and 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 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capitolone closed my debit card account in error which made me unable to buy anything with my card. They then told me I may have to wait until Thursday fora new card. 

It is unacceptable to wait until Thursday because of Capitolone 's mistake. 

Also they hung up on me 3 times when I express that I do not agree with doing without a card for three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Public record information inaccurate

Complaint:
I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.

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 2021-02-22
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: Public record information inaccurate

Complaint:
I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.

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 2021-06-10
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I took out a secured loan with XXXX XXXX XXXX XXXX. The duration of the loan is XXXX year. The loan would have been due for full repayment in XXXX. I made a payment on this loan ever month since I took out this loan. I recently got a notification from the credit bureaus saying that XXXX XXXX XXXX XXXX reported that I had a missed payment and this is not true and this has resulted in my credit score dropping by 35 points. I made payments on my loan ever month. The duration of the loan is for a period of 1 year. I never missed a payment on my loan with XXXX XXXX XXXX XXXX. I was told that I needed to make a payment on my loan by the XXXX of each month which I did every month and now the credit bureau is reporting that I missed a payment and that is false.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: IL
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:
not mine filed to the ftc XXXX XXXX XXXX XXXX XXXX. 3 of them XXXX XXXX XXXX us dept of education XXXX  XXXX XXXX  use

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 2021-10-18
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Beginning XX/XX/21 through XX/XX/21 I had several aunauthorized transactions to a merchant called XXXX on my cashapp account which is serviced by square. On XX/XX/21 I contacted cashapp support and they filed a dispute on those transactions. I received a partial credit for a few of the transactions however there were still 31 transactions for {$99.00} each that I did not receive credit for. They then tell me in an email on XXXX that they will not be returning the remaining funds and they have no additional information and for me to reach out to the merchant. I explained I did attempt that however i never received a response. I emailed several more times asking why the dispute was denied and was never given a reply or a reason. I resubmitted the dispute on XX/XX/21 and was told I would receive an update in 10 business days. Today is the 10th business day and still I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly runs a collections agency. This collections agency is inaccurately reporting an account on my TransUnion credit report. I am unable to have this item removed from my reports since evidently as a lawyer who runs a collections agency they therefore are immune from liabilities simply may only " validate '' the information they provide to a credit bureau.

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 2021-02-22
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX is reported inaccurate address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX I have never lived there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I got my daughter a Venmo card to try to teach her responsible finance and money budgeting. I put {$10.00} on her Venmo card. Venmo asked her to verify that she was XXXX XXXX XXXX. Shes not. Shes only XXXX. We didnt know that you had to be XXXX. So Ive called Venmo, emailed them. I asked for my {$10.00} back. They said they need permission from my XXXX XXXX XXXX in order to refund my money. She gave them permission and they still wont give me back my {$10.00}. Its only {$10.00} but cmon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and 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 2021-03-25
Company: STATE FARM BANK, FSB
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My mother has a car loan through State farm bank. I am the XXXX of the will and the only heir to the estate. I was told to supply the death certificate and the court declaration documentation from the local courthouse showing that I am the XXXX of the estate. I supplied those documents. Now state farm back is requesting different documents. They are stating that the documentation I have is not correct. They want me to obtain a small estate document from the courts for this one asset. The courts will not let me supply that form because the estate is too large to use the documents they are requesting. I am at a standstill with the bank. I have requested a call from a manager. They have not called back to get this settled and I am unsure how I can proceed. This is the smallest bank asset and the only bank I am having issues with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These are the payment remarks that is very inaccurate. 
For XXXX, right after late 90 days its late 150 days and also it is not similar to the remarks of the other credit bureaus. Though I don't believe that I was ever late on this account. I am asking the for documents to prove it. 

XXXX 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  150 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  OK 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
The accounts listed are not my accounts. I don't know who's they are. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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:
The accounts listed are not my accounts. I don't know who's they are. Please remove them.

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 2021-10-18
Company: Professional Finance Company, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I agreed to pay Professional Finance Company {$140.00} and they took {$210.00} from me - so they stole {$66.00} from my checking account. Our agreement was for them to take {$140.00} and they over withdrew.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Resurgent Capital Services L.P.
State: NY
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!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor Sherman LLC????????? ..XXXX  from XXXX  refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
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: Account information incorrect

Complaint:
I am writing to request your help in rectifying a problem I discovered which is adversely affecting my credit score. Some months ago I looked at my credit score through XXXX XXXX and was appropriately shocked to discover the amount of the school loan I owed was doubled what I actually owed. I tried initiating a dispute through XXXX XXXX and Equifax, contacting XXXX XXXX in XXXX XXXX Servicing but I couldnt get to the bottom of it. I graduated from XXXX XXXX of XXXX after transferring from XXXX XXXX after three semesters. I acquired Pell Grants, scholarship money and through an appeal reduced tuition at XXXX XXXX due to financial hardship. I kept good records of what I was borrowing. My recordkeeping indicated I would owe around {$27000.00} plus any interest in addition to a XXXX XXXX. Imagine my shock to discover XXXX XXXX show the old almost {$60000.00}! I contacted the associate director of financial aid at XXXX, XXXX XXXX XXXX, who was kind enough to investigate although I had already graduated. In addition, my family and I started making payments to XXXX XXXX in 2016 before I graduated and I have to this date paid over {$6000.00}. I have paid over {$500.00} on the XXXX XXXX. In the meantime I received correspondence from different sources telling me that I dont have a great credit score which has dropped considerably indicating that I am not a good credit risk when I am very diligent about paying all my bills. I do not have outstanding large credit card balances. This has caused me a great deal of distress and XXXX  because I pay my bills on time and know exactly what I owe in school loans. I have worked hard even during the pandemic to stay employed and stay current and all payments. I hope you can help me clear up the situation. Sincerely and with thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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 no knowledge of this account ending in XXXX that shows up 5/6 times on my credit 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 2021-02-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
A title loan was taken out on my vehicle without my knowledge or consent. There are two names on the title - mine and another individual - and the loan application was processed and approved without my permission. ACE Cash Express wrongfully and illegally acquired possession of my automobile title and all attempts by myself to resolve the issue are met with deliberate indifference or feigned ignorance by all representatives of this corporation. They all agree that the title loan process should never have taken place without my knowledge or consent ; however, they all claim that they do not know the company policy concerning how to proceed when situations like this arise. All attempts to speak with supervisors at the corporate office have failed. I never receive a response or call-back. In sum ... ..Populus Financial Group ( formerly ACE Cash Express , LLC ) employees and representatives all agree and admit that they have wrongfully acquired possession of my car title, but none of them have offered or provided an answer or solution to returning my title, claiming that they can not provide me with any answers because " my name is not on the loan paperwork. '' This is a blatantly obvious fraudulent and deceptive trade practice violation and this company needs to return my title IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

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 2020-01-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have contacted Experian about removing fraud alert however its still on my credit file its posting as a security alert and fraud alert and I will like for experian to remove 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 non-monetary relief
Consumer complaint received 2021-01-28
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:
i was looking over my credit report a couple of weeks ago and noticed accounts on it that were not mine. There also isn't anyone other than myself who has authorized access to my credit report. I am not sure how this could have happened, but I am asking to please have these accounts re investigated. I am in a position now that i can not acquire new credit and it is completely unfair. Please remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Account information incorrect

Complaint:
I'm disputing the following account XXXX XXXX XXXX XXXX. The payment history for XXXX 2020 is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I'm disputing the following account XXXX XXXX XXXX XXXX. The payment history for XX/XX/2020 is inaccurate.

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