BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified on XXXX XXXX XXXX  that a credit card issued by synchrony paypal card under my SSN and it was reported to on my credit that synchrony closed it. I reached out to XXXX Identity theft to assist me and provide me with guidance. 
On XXXX XXXX I spoke with someone at synchrony paypal from their fraud department along with XXXX XXXX a restoration specialist ( she is helping me from XXXX XXXX After a few questions from the fraud department at Synchrony she was going to open up an investigation and report this as fraud to the credit bureaus. I have not used or applied for credit for about 3-4 years. The credit card was opened up XX/XX/XXXX and was closed 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 non-monetary relief
Consumer complaint received 2020-10-23
Company: ECMC GROUP, INC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have multiple lateness/missed payments on my credit report due to ECMC not properly contacting me to inform me when payments were due. I never received any statements in regards to my loan. It was also a period in time when my loan was deferred so there should not be any late/ missed payments that is being reporting on my credit file.

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 2023-05-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have gotten a strew of letters from Wells Fargo Auto Finance in the mail, they all go in the trash because they will not work with me. At this point, I want Wells Fargo Auto Finance to Dissolve the loan as all they do is argue with me over the phone, otherwise I will have to seek an attorney to take on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: 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:
I have disputed with Credit reporting agency regarding inquires and accounts opened in my name. I have attached a updated FTC report to support my dispute.

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 2021-05-27
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 noticed an item on my credit report that does not belong to me

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 2023-05-31
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexus Nexus reported inaccurate Bankrupty information to XXXX, XXXX and XXXX. As a result I've been denied credit. I have confirmed with the Federal court that they do not provide information to these Credit Bureau 's.

The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including XXXX, XXXX, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: WV
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 suspect that someone has taken out a mortgage loan, auto loan, and retail card in my name/social security number. When I tried checking my credit score through Equifax and XXXX ( XXXX XXXX I believe as well ) in order to confirm my identity, all websites asked me to provide information about loans and a retail credit Card that I have never had. I became suspicious and tried making a my social security account to check my activity and the website asked me the exact same questions and suspended my account because I obviously did not know the answers as I was not the one who opened these. What is confusing me is that none of these loans/cards are on my credit report, so I dont even know where to start with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DONT RECOGIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-16
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX Experian credit reporting Agency has been reporting a debit from XXXX XXXX credit union that was paid in full with the agreement that the debit was to be reported payed as agree with no negative report, XXXX XXXX XXXX practice in a deceptive method collections rep from fairwinds federal credit union stated to me and my wife that would the agreement they Lied account is over 7 years old to  be removed open 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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-05-31
Company: Velocity Portfolio Group
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a knock on my door on XX/XX/XXXX. With a person handing me a subpoena to go to court from velocity investments, previously owned by prosper marketplace. I have never done any business or had any dealings with this company. They claim that I owe them money from a loan that incurred on my name dating back from XXXX or XXXX of XXXX. This was a person using my information to commit a fraud. Other than a student loan that I am currently paying, I did not open any other personal loans from that date or present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
this is not mines they will or have not validated this account 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 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 account with Capital One has been paid before my first complaint was issued XX/XX/2020 The account XXXX is still showing a balance on my credit report and this account is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In response to your CFPB statement, I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX Veteran there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuits, 2 in my state of Indiana alone, 120 million registered complaints here on the CFPB, D rated company according to BBB it is evident to see the malfeasance. The following websites were created to inform others of the true scams behind Selene Finance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Short of the investment company owners lining the pockets of the politicians it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the predatory methods and malfeasance from this deplorable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I identified XXXX unauthorized transactions for XXXX XXXX for {$10.00}, on XX/XX/XXXX and XX/XX/2023, under my PayPal account. 

I had no memory of these transactions, so I suspected they were unauthorized. I filed a claim with PayPal, and they got back to me told me that I authorized the charges, which was not true. I know this because I have not used XXXX  in around XXXX years, and I had contacted them - they had no record of anything under my name or email address for this purchase. 

With this information, I attempted to escalate the issue with PayPal, requesting the documents they used to come to this decision and they denied my claim once again, this time putting words in my mouth, stating : " You previously indicated that you authorized this payment agreement but youre unhappy with the terms of your agreement. As a result, were unable to consider this to be an unauthorized payment. " When I clearly stated in an email : " My claim was denied for unauthorized activity because you all are saying there's no evidence of it and that it's my purchase that I'm just unhappy with. That's just not true. '' They also additionally did not provide the documentation that they used, as promised. 

I attempted to escalate the issue further over the phone, and came to a dead end again. 

When I had explicitly stated :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : XXXX, ID, Identity Theft 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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 did not give written consent to have such accounts on my consumer report pursuant to federal laws as a federally protected consumer.

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 2022-02-11
Company: Smith, Cohen & Rosenberg LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Smith , Cohen & Rosenberg LLC a Delaware debt collection company has been harassing me for a debt that was discharged in bankruptcy. A XXXX search return the addresses below. XXXX XXXX XXXX XXXX, DE, XXXX United States Phone XXXX ( XXXX ) XXXX. I have received. Repeated Phone calls emails even after I have informed them that debt is no longer collectible as I file for bankruptcy and said debt was discharged. They are still harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax & XXXX & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by Equifax, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX   XXXX XXXX XXXX  7. XXXX XXXX XXXX XXXX. 8. XXXX XXXX   XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments. Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: CNG HOLDINGS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called XXXX XXXX XXXX. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and XXXX  XXXX XXXX   there contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items

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 2020-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous disputes to Equifax regarding the misreported information on my credit file. Equifax has ignored my request to provide me with the documents that their company supposedly has on file that they claim was used to verify the inaccurate accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required by law to " promptly delete all information which can not be verified ". As I stated prior I have sent numerous disputes and each time Equifax tells me that they've contacted the company and my accounts are accurate and verified. Equifax can not verify that my accounts are accurate because the company says it's verified this is misreporting and this company does not follow proper protocols. This company has failed to accurately verify my accounts with the information they claim to have on file for me. Below are  the accounts I constantly dispute, and each time I am being told that they are accurate because the company says they are. I constantly request that the companies alleging these accounts and Equifax send me actual PROOF documents bearing my signature to substantiate the alleged account belong to me and they never send them. 

XXXX XXXX XXXX : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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