BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted an Identity Theft Affidavit to the CRA who then notified PROFESSIONAL CREDIT MANAGEMENT that all four of these collections were the result of fraudulent activity. Was successful with deleted them from XXXX and XXXX. But PROFESSIONAL CREDIT MANAGEMENT continues to verify, update and ignore FCRA. I 've sent several letters and attempted to contact the company. The consumer financial Bureau is the last attempt before I commence filing a lawsuit against this company who is reporting fraudulent accounts on my credit report. All 4 of this collection accounts are unknown collections. 

Items Name| 1. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX 4. XXXX XXXX Account Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT THAT HAS BEEN REPORTING AS A DEROGATORY AND HAS BEEN CAUSING SERIOUS DAMAGE TO MY CREDIT. PLEASE HAVE THIS NEGATIVE ITEM OFF MY CREDIT.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: IL
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:
Reason # 1 : The tradeline is not reporting on XXXX  credit report. 
Per FCRA accounts must report accurately or they must be removed immediately. This is an inconsistency. XXXX  deleted the tradeline back in XX/XX/2020. I have documentation as well. 

Reason # 2 : The original lender verified the account was purchased by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX investigated and closed the account. As well as sent the credit agency 's documentation back in XX/XX/2020 to delete the account. I've sent in documentation from the original creditor and XXXX to show proof as well. The tradeline is still presenting on my credit report. The credit bureau is refusing to delete the tradeline. This was over a year ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Capital Link Management, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive received several text messages about a debt That is not mine!. I called and spoke to XXXX and i spoke to a rude man informing them to stop sending me texts and calling me about a debt that IS NOT MINE! IM NOT MARRIED THEY CONSTANTLY CALL AND TEXT ME.TO THE POINT OF HARRASSMENT. IVE ASKED THEM TO REMOVE MY NUMBER.BUT THEY CONTINUE TO HARRASS AND ARE EXTREMELY RUDE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2018-01-14
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
First : you do n't have the right category listed for my problem : My problem is : Ally Bank customer service is not willing to provide the dealer payoff amount to me. They are only willing to provide customer payoff and no other info. I spoke to the managers at both departments. The secrecy around car business is extremely disturbing. A lot of people are getting ripped off real bad. In this case, I need the dealer payoff, to estimate if the dealer would buy the car from me. If the loan has a negative or positive equity. In order to just estimate that, I would have to go to the dealer, provide all my personal info and sit at least an hour, before that dealer payoff quote is received by the dealer. After that, the dealer might or might not wan na give me that amount either. This is absurd. The car business is so dirty, the laws must be improved to help customers. And by the way, I called my car salesman 3 times, left 3 voicemails, and he never called me back. I already sit there for an hour, I am not going back to sit more for nothing ... So how would I ever get my car deal done???

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 2018-01-14
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 been dealing with experian credit reporting agency disputing incorrect information that is reporting on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts do not belong reporting on my credit report. I am uploading proof from XXXX credit reporting agency to show they did there investigation and these accounts were deleted off my report after it was confirmed. Experian last reported that the information I uploaded to show proof was not acceptable. This is completely wrong as it has been confirmed to delete these accounts off my credit report. If there is a problem then I am at least requesting to block these accounts on the report. My credit reports do not match and if I apply for credit depending on which report they pull can affect me on obtaining credit.

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 2019-07-22
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
I am the cosigner on my daughters car with XXXX XXXX. In XXXX she broke her leg taking her out of work for months. She became delinquent on multiple accounts including this note. In XXXX the car was repossessed and she file bankruptcy to get her car back. She is under a repayment plan with her attorney to pay XXXX biweekly toward this car. The bureau Experian is reporting my account delinquent 120 days even this month of XXXX but reported XXXX and XXXX current. Per the Metro 2, Unlike a Chapter XXXX, Chapter XXXX bankruptcy allows you to protect cosigners and joint account holders through a codebtor stay while paying off the cosigned obligation in your repayment plan. XXXX has disagreed with this finding and is continuing to hit my score dropping by 38-40 point monthly. They have an amount. {$2600.00} past due as of XX/XX/2019. The account should only be delinquent for XXXX and XXXX prior to her filing.

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 2018-01-14
Company: CITIBANK, N.A.
State: IL
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: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hi : There have been multiple incidences, beyond what will be explained this complaint. In which Citigroup, has failed to provide adequate customer service. There are visits to local branches in XXXX including XXXX and XXXX XXXX XXXX XXXX, that abuse federal consumer rights laws. 

Citigroup, failed to honor the verbal agreement, to return the original payment XXXX for a carrier locked ( XXXX phone ) purchased online XXXX XXXX. Citi agreed to return all funds, based upon submitting the required documents. Thus, including a receipt with original purchase date. The required documents were submitted thru usps and were delivered. Citi revoked the arrangement without notification and deducted the XXXX, during the XXXX holiday season and demanded the documents be re-submitted or no refund.. 

Here is the usps tracking number:XXXX ... Citi Case : XXXX The original seller was contacted in additional to XXXX and XXXX, in every effort to return the phone and receive a conclude the dispute XXXX, citi and XXXX were contacted individually.

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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.

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 2017-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My account with Equifax was hacked and my personal information was exposed. I signed up with Equifax for their Credit Monitoring service. I requested that my account be locked. 

I later tried to unlock the report on line, so that I could apply for internet/telephone service for my home. When I tried to log in, I was told that my password was no longer valid. They had a feature to reset my password. I asked them to do that, but they never sent me the link to reset it. 

None of their telephone numbers connect to a live person, so I can not explain the problem. 

My credit report is now frozen and because they will not send the password reset, I can not complete my consumer transaction. The telephone company only uses the Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello - I am a victim of identity theft. I have contacted Equifax several times and send in FTC reports to ensure that that they have all the information as it pertains to me. I am being a victim Over and over again. Equifax refuses to remove these accounts and the creditor still says that it is mine and sends me a copy of a statement as proof. How can a statement prove that this belongs to me? I have had my taxes taken by fraud, my bank account taken, bank account opened everything and no one at Equifax wants to help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Exeter Finance Corp.
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:
My name is XXXX XXXX and I am submitting this complaint without any influence for any third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a first home buyer. I found a house that I liked and I was accepted an offer on a house. Initially, my wife and I started with XXXX XXXX for our mortgage, but I decided to shop around for other deals. I found XXXX Bank and I and I am in the process to move my mortgage loan with them. It 's true that I have been with XXXX XXXX longer because I initially started with them. I received phone calls from XXXX that they will offer me a better deal ; right now, all I want is for them to close the mortgage and send Appraisal to my XXXX bank. I heard that XXXX are very good at sales but they put pressure on people in order to keep their mortgage with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX I filed with this site complaint number XXXX regarding the RESPA I sent to JP Morgan XXXX XXXX. The excuse for this JP Morgan XXXX  XXXX not responding was that there was active litigation. The attached is proof there is none. I am requesting this complaint be addressed and answered now. Please see attached dismissal of XXXX XXXX XXXX Court case # XXXX has been dismissed. I am demanding JP Morgan XXXX  XXXX now respond to this RESPA in FULL. I have seen the note and mortgage for presentation, but nothing else.. This RESPA needs to be answered in Full now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called back in XX/XX/XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XX/XX/XXXX and no response to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Experian Information Solutions Inc.
State: WA
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 gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.

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 2019-07-22
Company: EQUIFAX, INC.
State: WA
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 gone through my credit report and I noticed that there are so many credit inquiries that I did not authorize. I have put them on a list and I have requested all 3 credit bureaus to remove them because I did not authorize and yet nothing is being done. I did buy a new car but I was approved with my own credit union. It appears that the dealership sent it to about 15 banks. There are inquiries about credit cards. I haven't opened up any new credit cards. I asked for proof of these inquiries and they wont provide me anything. I want my inquiries removed. I didn't authorize them and they are really affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On on around XX/XX/XXXX, I sold a {$100.00} XXXX gift card on XXXX. I used a company called PayPal to receive payment for this purchase. Once the item was sold, I received the Payment through PayPal and was notified that I had the green light to ship the item. As it is commonplace in the XXXX market place regarding sales of gift cards, I was asked to email the Gift card to the buyer of the auction which I did. Approximately on or around XXXX XXXX XXXX, I received an email from PayPal stating that the purchaser that used PayPal to pay for the gift card had fraud on their PayPal account and the purchase was being debited out of my account. PayPal also said they are levying a {$20.00} chargeback fee on my account. I relied in good faith on Paypal 's instructions to send an item that I sold in good faith. When I sell items on XXXX using PayPal, there is a seller protection display that is advertised prominently all over the website. I, being a valued customer of XXXX and PayPal for almost 20 years, counted on this protection. Instead of protecting me however, PayPal has referred to an obscure technicality that says non-tangible goods are not protected by their seller guarantee. If I just mailed the card through the mail, I would be protected, but as I emailed the card, I 'm somehow disqualified from this protection. This is a truly non-customer friendly situation that PayPal needs to own. The true issue is that I 'm being punished for their mistake of allowing a fraudulent transaction to go through creating this mess in the first place.
MY PAYPAL ACCOUNT XXXX Here are case details : Case ID : XXXX Buyer 's name : XXXX XXXX  Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$120.00} USD Disputed amount : {$120.00} USD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: MARINER FINANCE, LLC
State: GA
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:
To Whom it may concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX xxxxxxxx XXXX with a balance of {$2100.00} I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX account, XXXX XXXX account and XXXX XXXX account using a credit score more than 60 days old. Equifax continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. Equifax reporting scores are nearly 100 points less than XXXX  and XXXX. This is affecting my ability to obtain credit with companies that use Equifax for reporting.

Company response to consumer: Closed with explanation