BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: DISCOVER BANK
State: CA
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 AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER BANK IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. NUMEROUS TIMES I HAVE REACHED OUT TO THIS BANK AND TOLD THEM THAT THIS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. DISCOVER NEEDS TO UNDERSTAND THAT THIS IS A FRAUDULENT ACCOUNT, WHY SHOULD I BE PUNISHED BECAUSE SOMEONE FRAUDULENTLY OPENED THIS ACCOUNT, AND NOW I AM BEING PUNISHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX, XXXX, and Equifax about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX, TransUnion, and XXXX about a collection on my account that the agency XXXX XXXX deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.

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 2023-01-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my chase credit card debt and my XXXX  credit card debt both of which were collects that were charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear CFPB, I check my credit report weekly as I am working diligently to repair my credit report. It affects how much I pay for everything. Today I logged in to XXXX XXXX and my score dropped over 50 points. My jaw hit the floor. It was a collection account that was added. I never received one letter of collection nor did I receive a phone call. I am in the process of moving and this just bumped me out of qualifying for our new place and we gave notice that we are moving. I can being to tell you how violated and upset Ifeel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to Experian, XXXX and XXXX  ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.

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 2020-07-08
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY ACCOUNTS THAT I HAVE OPENED PREVIOUSLY. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT AN INVESTIGATION TAKES PLACE SO THAT THIS ACCOUNT CAN BE REMOVED FROM MY CREDIT FILE. THE ACCOUNT 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 2018-09-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Last month i spent countless hours with Toyota Financial representatives over the phone, and I was assure that everything would be done and corrected in regards to those late payments. Then, I was shocked when I reviewed my credit report today and found late payment on the dates below which they had mentioned that it would be taken care of and updated with the credit bureaus. 

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: FISERV INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been harassed by a company -- XXXX XXXX of XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with XXXX XXXX. Please have them cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - XXXX XXXX ( 4 months ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements, but I also know that my bank had internal issues where I finally had to completely changed the bank. Again, my only thought is that my monthly statement did not get to me, or that internal bank error that caused the money not to be automatically sent to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report 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 2020-07-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax ; XXXX and XXXX should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX was stolen out my PayPal account they asked for a police report I gave that my license I did that as well and even sent them copy 's that my money was never returned they still haven't gave me my money back and Everytime I call they will leave me on hold than hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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:
Please remove false information off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: OH
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 crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX  XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C.  1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2023-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Deposit the money on Tuesday afternoon and a check was bounced the next day or 2 days without funds an they hold the check for one more week .....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened an XXXX credit card to pay for 4 new tires at the XXXX located at XXXX XXXX  XXXX XXXX, XXXX, LA XXXX. I did this on XX/XX/2018, agreeing to pay the initial balance of {$570.00}. Since then, I received no notice, statement, credit card or any information about how to pay this bill until I started receiving phone calls from Citibank saying the bill was past due. When I opened the credit card, I was told that a new card would be mailed to me and then I could use that card to open an account online. Since I never received the card, when Citibank called me I was unsure if this was a fraud phone call since I did not know who was servicing the XXXX credit card. That day, I asked for a mailed statement. I then asked about the address associated with the account and was told that the account was opened under then wrong address. I received my first statement about one week ago around XX/XX/XXXX. This statement had the account number on it but not the credit card information. Today I called the customer service number listed on the statement and Citibank employees then told me that I need to pay the late fees associated with the account. I am disputing the late fees since I had no way to access the account or the billing statement. 

I have still not received the physical credit card or any communication from XXXX. As such, I can not register to pay online with the website listed on my statement ( XXXX ) because I do not know the credit card number or security code and have no way to access that information. A citibank employee told me that I can not access that credit card number over the phone -- and falsely told me I can register for an account using my account number. I then tried to settle the initial balance online using the account number and was unable to do so. Please let me know if you would like a recording of this phone call. Again, I am disputing the late fees since I just received a billing statement 2 months after opening the account in person.

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 monetary relief
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian, XXXX, and XXXX about a collection on my account that the agency XXXX  XXXX  deleted. Its still reporting and dropped my credit score during the home buying process. I have disputed this matter through the credit Bureau, XXXX  and Consumer financial Protection Bureau. I contacted the collection agency through the CFPB and they said they was deleting it because its not my account but the credit bureaus are still reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies

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 2020-07-08
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My husband is currently XXXX. We turned in his XXXX XXXX lease. We did not release because of his XXXX. GM Financial is now claiming we must pay {$700.00} in lease disposition fees. I explained my husband is XXXX and asked if there was any coverage under the service members relief act. I was told there was not, I need to release a vehicle. It's physically impossible for me to drive two cars at once. I am looking for assistance in understanding the relief act and holding companies responsible for such actions as this. My husband puts his life on the line every day for our country and all GM Financial cares about is {$700.00}. We did plan on releasing when he returns home, so I asked if we could postpone charges as we did plan on a new vehicle when he got home. Any help would be greatly appreciated. GM Financial account number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a car 2 years a go from a dealer XXXX pa I been having problems from the very 1st day this was my wife anniversary I drop XXXX dollars of my hard earn money so far I have put XXXX dollars in repairs in this car and now its in the shop again this is to much I want to give the car back, but it will hurt my credit I am trieding to rebuild I have call wrote credit acceptance many of times but know one will answer me back are any thing with me ai even ask for a deferred payment they told to me they do not do that I have lots of late payments on my credit report I think they should remove and work with me but they will not they will not even help me out I do not know what to do I have no transportation now and cant get another car because I still own on this one this car have a XXXX on the dash the loan is from credit acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, 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:
Theres several errors on my credit report that need to be removed immediately. I've contacted Equifax a few times but still dealing with the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
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:
Theres several errors on my credit report. I've contacted Transunion but I am still dealing with the same issue.

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