BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
The following company did an unauthorized inquiry on my credit report, I do not have an account with these companies and i want theses delete from my credit report. Dates inquiry were made : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/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/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 XXXX XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 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 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 non-monetary relief
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am ka victim of long time identify theft Fraud and all money 's stolen out of my Chase bank account for years finally leaving me penilesd as I tried to dispute all fraud and bills included in only one chapter XXXX in XX/XX/XXXX no chapter XXXX  was ever followed thru yet it's continually reported. Chase never got my money back I paid an extra 2 payments on my car but they said they did not receive them and repossessed my car when I only had 1 late payment after a breaking in entering my home all monies stolen valuables and property damage terrible insurance company looking to find a way to deny my claim not right I've been a fraud victim I've also had 3 mortgages put in my name each on for {$670000.00} thousand dollars and 2 are grad allowed by my mortgage company who denied then yet in 2  we're taking me to foreclosure and the one mortgage I do have with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX have increased the amount it's completely wrong I need help before they sell my home my phone had to be changed 3 new cell phone 3 computers broken a printer and electricity in the home XXXX XXXX XXXX XXXX XXXX nv XXXX please help me before I lose everything I've worked for I have 2 police reports 16 affidavits of all this. I thought I would be XXXX  when I heard 2 ex roommates say " let 's do whatever it takes to get rid of her and we'll take the house. I was unaware they knew one another they broke in entered destroyed property their names are XXXX XXXX. XXXX and XXXX XXXX XXXX I'm petrified all the time so please investigate bank Chase and XXXX XXXX XXXX   they after XXXX took 10 years off my loan then doubled it they too want to get me to not be able to keep my home I've been in since XX/XX/XXXX please investigate that modified loan not fair harsh not manageable that's why I got roommates because of doubled mortgage thank you for anything you can do I'm also XXXX XXXX XXXX 19 hospitalizations so I need the 10 years back on my mortgage and monthly lowered if u can help if appreciate it very much Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax, XXXX, and XXXX  are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 went with my son to XXXX XXXX so he could buy himself a vehicle. My sons credit was keeping him from making the purchase. The salesmen told me that if I cosigned the loan it might have a chance of going through. I did and it was approved. My understanding is that I am not responsible for this loan UNLESS my son defaults on the loan. This loan turned up on my credit report as mine. They also listed my sons employer as my employer. I have been retired since 2014 and never worked where my son works. I have disputed this on XXXX XXXX  twice and both times they said it was mine and is staying on my report. This is my third attempt to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was hospitalized for a foot operation and went to rehabilitation center to walk again. I was never notified of this bill for {$230.00} until it showed up on my credit report. The disputed dates were in XXXX of 2018. I had both Medicaid, Medicare XXXX XXXX and XXXX, a LTMC ( Long term medical coverage ) I don't know who these people are or what this {$230.00} is for.

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 2019-06-21
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:
I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX. BUT EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, I HAVE BEEN CALLING AND FAXING THEM ANY INFORMATION THEY NEED BUT YET THE ACCOUNTS ARE STILL NOT REMOVED. AND THIS PROBLEM IS ONLY WITH EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2019 I received a phone call from XXXX XXXX stating she is going to handle my case from XXXX XXXX. She told me that and hung up. I didnt ask her anything or go into depth about anything. I received a letter today dated XX/XX/XXXX thanking me for speaking with her and that I requested for my card to be reopened. Neither are true and she lied about a letter being sent to me. XXXX wrote a letter that was basically a lie. She called to inform me she was taking the case and hung up! Nothing else was said or asked.

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 2019-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Manager, I am notifying you of issues with the information on my credit report. I am curious as to how you are allowed to report this information. With a little research, I found out that I have some rights in place. This letter will serve as a formal dispute under FACTA section 312. This law gives me the right to dispute my credit information directly with you instead of dealing with the run-around that happens when someone goes to the credit bureau. Please take note that I have already dealt with the so called investigation process that the bureaus claim to have completed. Nonetheless, I now wish to exercise my rights to dispute this account directly with you. 

I would like to dispute the inaccurate reporting of the above account. Please verify the following : That all balances and amounts are reporting correctly. 

That all dates are reporting correctly and that any prior pay history you are reporting is correct Please remove this account from my credit report immediately! It has caused quite bit of damage. I want to point out that you are legally liable for any erroneous information as decided in XXXX XXXX. XXXX XXXX. This case set a legal precedent that a consumer can sue you for reporting inaccurate information on their credit report. I demand that you remove this account immediately. Should this account not be taken care of, my next step will be to file complaints with the FTC, XXXX, State Attorney General, and any other place I can think to file a complaint. I trust this matter will be handled promptly. 

Thanks for your prompt attention to my concerns, Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: GVA Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took this loan out in an emergency basis for XXXX. I have been making payment of XXXX every two weeks since XXXX. I have paid them XXXX back and I am struggling to pay the rest. I called to see if I could try to pay early and negotiate a price and they stated if I 'd like to pay off early it would be XXXX. That 's still more than I initially borrowed plus the XXXX I 've already paid them. I can no longer pay my bills with almost XXXX going to them. I 'm desperate for help with this predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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:
THOSE ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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 2018-11-08
Company: Colony Brands, Inc.
State: LA
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:
XXXX XXXX XXXX allowed some one to call in over the phone and create a credit card in my name and then shipped it to this address under my name : XXXX XXXX XXXX XXXX XXXX GA XXXX in the amount of XXXX, XXXX  was the agency that approved the credit card account ; then when I called XXXX XXXX and spoke with a person name XXXX in the credit card department and she told me I had to file a police report and complete all this paperwork and submit and they will f ... dispute the charges. XXXX LA police report number is XXXX ; FTC.gov report number is XXXX. I sent a dispute letter to XXXX XXXX and I froze my information with all the three agencies XXXX XXXX, XXXX  and XXXX for 7 years or longer until I can get a copy of my credit report and see who else have created cards ' etc. in my name since the data breach with XXXX. XXXX would not give me the information like my social security information that the company used to do this with.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-21
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 went with my son to XXXX XXXX so he could buy himself a vehicle. My sons credit was keeping him from making the purchase. The salesmen told me that if I cosigned the loan it might have a chance of going through. I did and it was approved. My understanding is that I am not responsible for this loan UNLESS my son defaults on the loan. This loan turned up on my credit report as mine. They also listed my sons employer as my employer. I have been retired since 2014 and never worked where my son works. I have disputed this on XXXX XXXX  twice and both times they said it was mine and is staying on my report. This is my third attempt to correct this error.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX  ( Original Creditor : 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 2019-06-21
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite several written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$420.00}. I am attaching the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to Bank of America in 2015! I just paid this account a couple months back. They keep reporting it through XXXX XXXX as a negative account.

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 2020-04-30
Company: Medical Data Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX of 2019 I was kidnapped out of my home in XXXX Virginia. A former landlord, who was told by three police officers and a judge that she can not evict someone from the home and who had violated landlord tenant law. Went to the magistrate, and swore out false allegations to get an emergency XXXX XXXX  order. I was dragged out of my house in XXXX and taken to XXXX XXXX XXXX XXXX, who immediatly released me, didn't look at me, provided no services, at that point I was escorted by the police to the XXXX XXXX who determined that the landlord, swore in a false complaint to complete an illegal conviction. I was not notified that they attempt to bill me for not being seen until it appeared on my credit report. I attempted to contact XXXX XXXX XXXX who threatened me. Told me " that they were a loud person '' and could get louder. They verbally abused me, and then hung up on me. They are trying to bill me for an illegal kidnapping, and medical care that I did not seek out or need. They are stalking me for a bill I don't owe during a global pandemic.

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 2019-06-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified via phone of an outstanding debt from XXXX XXXX XXXX. The collect agency said they had mailed and called about the debt, however never recieved in communication until about XX/XX/2018. The debt was posted to the company web portal on the account. This charge was done after the lease had completed and all rental agreements had been met. 

I had no reason to log back in the portal after the end of lease and vacating the property. Once was made aware the {$100.00} was paid to XXXX XXXX XXXX. It has been removed by XXXX, however not by XXXX  or XXXX. Currently my credit scores are XXXX XXXX, XXXX XXXX and XXXX XXXX. There is a difference on 66 points on my  credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX GA XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OH XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was used with my knowledge and the report credit companies keeps reporting the information. Even though I stated its not Valid! The law says nothing can appear on my credit unless I have validated it! I keep disputing the same items, because they are invalid!

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