BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: Cadence Bank
State: TX
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a forbearance due to COVID-19. XXXX XXXX   reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!

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 2021-02-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to report the illegal actions, wrong doings, and improper investigations of my complaints of fraudulent and identity fraud activities on my credit report. Experian knowingly allowed 3 creditors on my credit report, after I reported identity theft and fraud to them. I reported identity theft to Experian from XXXX to XXXX. In XXXX, I had asked Experian to put a note on my credit report to not allow credit inquiries and to not verify my identity to potential creditors, without my written consent. Experian did not put the alert on my account, until my 3rd request and not also not until I kept reporting fraudulent activities on my credit report. After Experian placed the note on my credit accountnin XXXX, they still allowed 2 credit inquiries on my credit report, without my knowledge, doing, and written consent. The credit inquiries were performed by XXXX XXXX and XXXX, in XXXX, after Experian placed a note on my file that no credit inquiries are to be performed, without my written consent. They also allowed 1 other creditor on my credit report named XXXX XXXX XXXXXXXX for {$400.00}. This account does not belong to me and I do not have any knowledge of this account. I also have not had no dealings with this company. This company also do not have all proper identifiable information, to identity me. XXXX XXXX XXXX does not have my mailing address, email address, phone number, nor my credit card information to claim that they extended credit to me and to say that I have an outstanding balance. Experian did not perform a proper investigation. Experian is the only reporting agency that I've had these many issues regarding fraudulent, stolen identity/fraud activity, and credit inquiries on my report, after knowing my identity was stolen and after placing a fraud alert and note on my credit report. Experian also continues to give creditors who are as a result of stolen identity and with whom I have no dealings and knowledge of, my home address. I would like for Experian to remove XXXX XXXX  XXXX for {$400.00} from my report. I have no knowledge of this company. This account is fraud, due to stolen identity. I would also like Experian to remove the credit inquiries by XXXX XXXX XXXX and XXXX from my credit report. I would also like for Experian to stop providing my personal information to creditors, particularly when they do not have my proper information, due to fraud and stolen identity.

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 2022-08-06
Company: EQUIFAX, INC.
State: MD
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 been submitting letter since XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 non-monetary relief
Consumer complaint received 2018-07-12
Company: MSW Capital, LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
One USA person, He introduce scheme in XXXX with XXXX. 

He committed us if you invest money for our company we will give you profits percentage as per your investment. people give him millions US dollar but he not return. He work with company name XXXX XXXX XXXX XXXX XXXX +XXXX ( XXXX ) XXXX-XXXX his name is XXXX XXXX   ( we not no real name or .... 
he has two account one of below and other via his website ( there option money transfer bitcoin/krill/ other sources ) but now website not accessed. 

Now we request you he is fraudulent case may be he will plant to scams to others so kindly expose him and investigate him because he used US country name. Maybe he funding to terrorist account details BTC : XXXX ETH : XXXX PM ACCOUNT : XXXX XXXX app contact : +XXXX ( XXXX ) XXXX-XXXX Email : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX 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: Nadler & Associates, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The judgement took place in XXXX, they are unable to provide any proof of the debt and the debt has been sold to at least 4 other collections companies. I want to dispute but Im not sure how. The company that started the lawsuit is listed as Nadler and associates XXXX. The debt maybe in as many as 3 different offices, with no proof of debt. I know I do not owe over XXXX for a card I had in XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-22
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my free credit reports I noticed a fraudulent account from Americollect that doesn't belong to me and after contacting them they still refuse to remove from my credit reports and send me verification under the fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX FORMERLY XXXX Date opened/XX/XX/2020 Amount owed $ {$16000.00}

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 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On XX/XX/XXXX, I stayed at the XXXX XXXX XXXX in XXXX, OH. I paid through XXXX. When I checked in, I was told that I was paid in full and that they just needed a credit card on file. I checked out 3 hours later for an early morning flight and was told by front desk that I was " good to go. '' I later noticed that I was charged {$78.00} by XXXX and {$62.00} by XXXX XXXX. I tried contacting the hotel 3 times with no one answering the phone. In XX/XX/XXXX, I disputed the charge with Capital One online and over the phone. On XX/XX/XXXX, the charged was rebilled to my account. I called on XX/XX/XXXX and was told they had sent a letter on XX/XX/XXXX saying they needed more information but had received no response. I never received the letter. The agent told me that I could have emailed in the XXXX email that I have saying that I had paid my bill in full if I had sent it before the dispute was closed. When I initially disputed the charge, I asked to email in the document and was told that I couldn't do that. Capital One told me that because the dispute was closed because of my inaction there was nothing to be done. They never emailed or called me to see if I had received the letter before closing the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: Avant Credit Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports. In the original response it stated I didn't pay my installment plan as promised. I found my bank statements showing that I actually paid up until XX/XX/2018. I have included the bank statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedars Business Services , LLC from XXXX, California, sent me a collections letter for an account I do not own. I have never lived in California and never signed with XXXX  for any accounts. I have a XXXX XXXX Account prior to the merger with XXXX  and that account number is totally different and paid in full monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dispute XXXX  XXXX for {$750.00} on XXXX XXXX because the account was paid off and they just opened a new collection. Also I am being charged twice for medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
I have contacted Equifax multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THERE ARE SEVERAL INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PERSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF IT. 

THE DATES SHOWING OF THESE ALLEGED INQUIRIES ARE : XXXX XXXX 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 2020-01-22
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I made a purchase thru PayPal on XX/XX/2020 to a company called XXXX  XXXX XXXX or  XXXX  XXXX XXXX or XXXX XXXX XXXX ( all three are one business ). Paypal did not disclose a user fee of 2.9 % to me prior to submitting the transaction. I purchased first thru credit card and the seller notified me the user fee was applied on her side. I tried to block the transaction and reported as fraud. Then I attempted to make the purchase thru debit card as the seller told me there are no fees when using debit card. No fees were disclosed to me prior to submitting the transaction and again the fee was applied on the seller side. The purchase price was {$2500.00} and the transaction fee amounted to {$72.00}. The seller had me pay the transaction fee to her via check. I asked Paypal to refund the fees and complained there was no disclosure of fees before I submitted the transaction. I have asked them to refund at least one purchase as they are duplicate purchases and they have refused to refund it. They insist the seller should refund the purchase rather then them, but then I will be paying two transaction fees of {$72.00} each because the transaction fee still applies even when refunding the fee if done by the seller. I have spent hours using chat message and waiting on eternal hold via phone line to get this resolved. They refuse to have a manager call me back with contact information so that I can directly talk with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 believe that someone stole my identity and this loan belongs to someone else.

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 2021-02-21
Company: FC HoldCo LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2023-01-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My identity and personal information has been stolen. Multiple unauthorized accounts have been opened without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: ERC
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: Information belongs to someone else

Complaint:
I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1XXXXXXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.ENHANCED RECOVERY COL {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX  {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX  {$240.00} DATE OPENED ON XX/XX/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 2020-10-15
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: Account status incorrect

Complaint:
Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this  issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved 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 explanation
Consumer complaint received 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do, only sent me a letter saying the account was verified.

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 2021-02-21
Company: Sequium Asset Solutions, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I transferred a line from a separate XXXX account, to my XXXX account. At the time, XXXX explained that a temporary account needed to be created in order to make the transfer. 

A month, later, I received a bill for the temporary account that XXXX created. After a dozen phone calls and 5 trips to different XXXX stores over the course of a month, someone at XXXX finally said that the issue had been " resolved. '' In XXXX of XXXX, a collections agency reported delinquency on my credit report. XXXX  did not resolve the problem, and send the amount to a collections agency. After more calls to XXXX, they again said it had been resolved. 

I was, at the time, pursuing a refinance that would have saved me thousands of dollars. This delinquency on my report stopped those efforts immediately, as my credit no longer supported these rates. 

However, XXXX seems uninterested in ensuring that this is permanently removed from my credit report. I have made dozens of efforts to resolve this in good faith with XXXXXXXX to no effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation