BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: MOHELA
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: Information belongs to someone else

Complaint:
I have disputed Inaccurate reporting of MOHELAXXXX XXXX XXXX   multiple times with XXXX, XXXX and XXXX with no help. These are not my account. 

MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a XXXX complaint against XXXX XXXX on XX/XX/2019. They responded and stated that the account will be removed from my credit file. I received a recent credit report and the account is still reporting negatively. I am asking if and when the account will be removed from my credit file. 

**I have attached a copy of the XXXX report showing that XXXX XXXX agreed to remove the account**

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: VA
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: FIRST ADVANTAGE CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX, a background check was requested by XXXX and issued by First Advantage, XXXX XXXX XXXX. It was completed the same day, and the information regarding my SSN is wrong. It says that my SSN was never issued and does not belong to me. All other information is correct, and the SSN is mine. They claim there is a high probability that the number belongs to another consumer, and that there is no record of my SSN. I have my SS card with me and I know that there was no mistake when I put it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: SC
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:
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX L M XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home loan was originally with XXXX XXXX. We had just agreed on a forbearance plan that was to start XXXX due to hardship. On XXXX, my loan was transferred over to Bayview Loan Servicing LLC. They are refusing to honor my forbearance plan. I have included the documentation showing the transfer and the forbearance plan that was accepted with XXXX XXXX. 
Spoke to XXXX ( ID # XXXX ) at Bayview Loan Servicing ( BLS ) and he stated that he is trained to say that they can only honor it if it is a fully executed completed loan modification and nothing else. 
Transferred to XXXX ( ID # XXXX ) Escalation dept and she stated the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I spoke with a lady whose name was XXXX XXXX on XXXX/XXXX   regarding 2 tickets for a concert. She told me she would sell me these tickets for {$40.00} each. She requested me to send the payment via PayPal Friends and Family so I would be responsible for the fees. I requested all her information to submit the payment. She sent me an email for the payment ( XXXX ). 
She also sent me the ticket information, which was section 1, row K. 
I sent her a payment of {$86.00} including fees and I also included in the comment section of the payment all the information for the concert I was purchasing the tickets for. The concert tickets were for XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, NC on XX/XX/2019. 
I sent her a copy of the transaction showing the payment had been sent. She messaged me back and said she was waiting on her husband to come home and check his PayPal account to make sure the payment was received before sending me the tickets. I told her that was fine and to let me know when she sent the tickets. 
I sent her a message hours later for the tickets and told her if I didnt receive the tickets, I was cancelling the payment. I logged into PayPal at that point and it didnt give me the option to cancel the payment at that point. She messaged me back saying she would send them in just a few minutes, and I waited. I again messaged her and ask for the tickets and she then blocked me. 
The following day, XX/XX/2019, I called and spoke with PayPal regarding the fraud of this lady. PayPal then told me to contact my bank. I contacted my bank, XXXX XXXX, and filed a claim with them. XXXX XXXX said they would be contacting PayPal as part of their investigation. 
I later received a letter from XXXX XXXX that the claim had been denied because PayPal stated the transaction was successful. I called XXXX XXXX again and they said it was up to PayPal with any issues regarding this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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: Information belongs to someone else

Complaint:
I have disputed Inaccurate reporting of XXXX/DEPT OF ED multiple times with Transunion, XXXX   and XXXX with no help. These are not my account. 

XXXX/DEPT OF ED  Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX/DEPT OF ED Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

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 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX  XXXX XXXX XXXX on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 Transunion is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX Transunion inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 120

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: NJ
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 submitted a dispute on a collection account that does not belong to me to Equifax on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. 

In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. 

On XX/XX/2019, I receive Equifax 's decision regarding my dispute, and they " verified that this item belongs to you ''. 

Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to American Credit Acceptance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing American Credit Acceptance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of 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 2018-01-18
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:
There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

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 non-monetary relief
Consumer complaint received 2018-01-12
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had been making payments to XXXX XXXX on a XXXX procedure that I was supposed to have completed in 2015 -- they had agreed on a certain amount after billing my insurance. There was a problem w/the XXXX XXXX and XXXX that was to be put into my XXXX, the temporary kept falling out and I never had the final XXXX built or placed into my XXXX because there was a transition in the team and they were n't sure what happened. Someone sent my information to PlusFour Inc., who then placed a debt collection on my account in the amount of {$1900.00}. I reached out to let them know this was inaccurate as I was making payments directly to the XXXX office and that even if they had sent it, it was in the wrong amount because I had already made several payments towards the total. I informed XXXX XXXX and they provided me a phone number -- I have reached out and have not been given a solid answer as to removing and stopping the negative report or any explanation from Plus Four.  Since then I have gone into XXXX XXXX and had to have the XXXX XXXX removed from my XXXX as it became XXXX as they were never able to put in the XXXX I was charged for services never rendered, some partially to my private XXXX  insurance. This has been ongoing since 2015 -- I have, to this date, no 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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have filed NUMEROUS complaints regarding a credit bureaus failure to provide legal documentation AND their method of verification for an account listed on my credit report. 

I have sent 5 certified letters requesting valid verification of an account listed on my credit report. 

TransUnion has repeatedly failed to comply with FCRA 611 ( 15 U.S.C. 1681I ) ( 5 ) ( a ) ( i ). 

TransUnion has repeatedly failed to comply with FCRA 611 ( 15 U.S.C. 1681I ) ( 6 ) ( B ) ( iii ), as I have requested 4 times for their method of verification for a disputed account. 

I have also filed two complaints to this agency regarding actions to of a credit bureau 's failure to comply with federal law, TransUnion now violates FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( a ). By failing to even reinvestigate this disputed 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 2021-09-10
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute in XXXX of this year and it was removed. Now they are using a new collection agency to collect payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My capital one 360 credit card seems odd. The card is a dark navy blue color on both the front and on the other side but in the middle it is red? I dont remember ever having a credit card that had a different color inside only. Could you check this out for me? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are a lot of fraudulent charges on my Visa credit card 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 2019-07-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother opened an CD trust in my name for $ XXXX@ 11.75 % for 3yrs in 1981 with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She lost track of CD until recently. We tried to cash in CD at Chase Bank, who now owns XXXX. They said they had no record of CD, or of my mother or myself ever having an account there. I have the physical paper CD, which was required to be returned, when cashing it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
contacted you once before about a chase check account and have not heard from you. 
The man on the phone when i called XXXX XXXX of chase bank XXXX XXXX XXXX XXXX telXXXX-XXXX and someone intercepted the call. He said his name was XXXX. He told me that to change ny address on the checks I had to come down to the bank. He also told me he could give me the phone number of who changed it. Once or twice the address change and Mr XXXX knew. XXXX told me it was changed over the internet, which I dont have access to. The account was opened with XXXX XXXX and i told both her and Mr. XXXX that no changes were allowed from the internet, the app or on the phone. XXXX, whos last name is XXXX, lied to me on the phone and said to come down and he would fix it. Upon arriving there he was talking out loud to himself. He said he was on the speaker phone, and was being told what to do. Who was talking in his ear like he said someone did, and why did he listen. If I cant change the number how did it change at all. The address on the checks was defitnetly altered. Anyone who says otherwise is misled or llying. Now as per Mr XXXX each time I order checks I have to go down tho chase to alter the address on the checks. Is this banking law. If you dont answer I will call XXXX XXXX XXXX as I did with Sheriff XXXX. When I was leaving XXXX XXXX said watch how you say things Sheriff XXXX knows of you. Am I being followed by him too. He has XXXX XXXX XXXX ties, who said they would follow me. Does anyone at the chase bank. JP Morgan will hear of this too. With a XXXX XXXX XXXX, recieved from a XXXX XXXX  XXXX manager, I sometimes make mistakes-I apologized in advance like I did to Mr. XXXX and XXXX. Tried to logon to get a complaint num but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Arizona XXXX XXXX XXXX Visa credit card : XXXX is lost/stolen. There are a lot of fraudulent charges on my Visa credit card 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 non-monetary relief
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX  XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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 have 2 hard inquiries that are reporting on my credit report Equifax to be exact i do not recognize these inquiries its been reporting since XX/XX/2021 no actions has been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX

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 2019-04-11
Company: Avant Credit Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I was notified that there was a cyber security attack, that resulted in the exposure of personal information of XXXX XXXX Hospital Employees. The breach effected those that were hired between XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX to the present, I have been receiving phone calls from debt collection companies that I don't know anything about.My lawyers suggested this step in the process of recovering my identity.

These companies include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation