BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: EQUIFAX, 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 have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX  XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX I schedule to Take a cruise in XX/XX/XXXX XXXX- XX/XX/2020. The cruise line I choose was XXXX  the amount for the cruise was XXXX I paid an deposit of {$100.00} XX/XX/XXXX. XX/XX/XXXX I paid {$35.00} & XX/XX/XXXX I paid {$100.00}. At the time the COVID-19 was not a major issue and XXXX  XXXX  XXXX   did not issue a statement regarding the situation to cruisers! Fast forward weeks go by and XX/XX/XXXX another payment of {$74.00} and final XX/XX/XXXX another payment of {$420.00}. Not once did XXXX address the Covid-19 until the beginning XXXX when they got exposed for allow XXXX ships to departure with XXXX cruisers on board. Nearly a month later they started giving out options to cancel with option receiving a cruise credit or refund! No one can gain access to the customer service line due to the overflow of calls! People have requested refunds back in XXXX such as myself still havent gotten a refund but yet people who requested refund in XXXX are receiving their refunds! Thats makes absolutely no sense Ive waiting well over 60 days and should be compensated immediately! When you try to reach out to see the ETA of your refund they can not provide answer. Unfortunately for me I didnt use a major credit company for payments! I used cash app card, Ive reached out to cash app & cash did nothing to assist me! They couldnt even reach out to XXXX so that they can release the funds! This very frustrating had I used XXXX XXXX I wouldve received 100 % good customer and money back in no time ... Ive attempted to reach out to cash app again however they are requesting proof from XXXX that I am receiving a refund! After telling them XXXX  has not been willingly to help they still do not seem to care! This horrible Im starting to think I will never get my {$700.00} back for a cruise I never even went on! I cant get proof from XXXX  and I cant get help from cash app! I am in desperate need of this money I have been out work for nearly 3 months! I have over due bills and mouths to feed. I need my full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was removed from credit score around XXXX of XXXX. Still receiving calls as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
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 recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company called Credit Corp Solutions calls my number constantly. The phone rings twice and that is it. One day, I answered and there was no one there. No one leaves a message. If I block the phone number, I get a call with the next phone number in succession. If I block XXXX, I will start getting calls from XXXX. The company leaves no voicemail, doesn't answer if I do pick up, only lets the phone ring twice. This company calls every day 7 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Mercedes Benz Financial Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please block/remove these items : 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 XXXXXX/XX/2022

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 2019-03-27
Company: Advanced Collection Bureau, 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:
I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have Advanced Collection Bureau and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: AMERICAN HONDA FINANCE CORP
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:
Hey Im contacting you because The bank never sent me a notice, with an opportunity to get my car back And the bank never notified me that i have the right to purchase the car back the deficiency balance is nullified and the collection should removed from my credit report since they didnt follow the rules and now there is no legal right to collect on the deficiency balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2020-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a cosigner on a student loan for my nephew. He seems to have stopped making any payments on his loan. 
I have contacted him, but have been ignored. Now he has changed his phone number and I have no way to contact him. 
I received notice on XX/XX/XXXX that the loan was past due but it wasn't too late to bring my loan current. I was struggling to make ends meet at the time due to impact of COVID-19 on my employment. 
But I managed to make a payment on XX/XX/XXXX. 
I then called and did a restructuring forbearance of the loan with automatic withdrawals from my checking account. The subsequent monthly payments have been on time. 

But, then I get my credit report and see that the loan was reported as late to the credit bureau on XX/XX/XXXX. This was almost 2 weeks before the email I received on XX/XX/XXXX that stated the loan was past due but it wasn't too late to bring my loan current. 
Had I been notified that the loan was being reported, I would have called immediately to discuss any possible option with Navient. 
I have asked Navient to request removal of the report to the credit agencies, but they refuse. I am working with them and they are receiving the monthly payments, but they are not treating me fairly when I wasn't notified that the loan was being sent to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-07-27
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:
I have a late payment on XXXX credit card. This payment was reported late in XX/XX/XXXX. XXXX extended me an extension because of the Corona Virus. 

Overview You're currently using 86 % of your account 's limit. 
Balance {$3800.00} Credit limit {$4500.00} Minimum monthly payment {$78.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos )

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 2020-07-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX is reporting that I have an open account with them when in fact I dont. They are also reporting late payments to the credit burea every single month on a car that I have not seen since 2014. They recently just reported that my payments is 120 days late and I have never received a bill from them. This item is six years old and should be removed from 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 explanation
Consumer complaint received 2020-05-29
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, snd XXXX XXXX XXXX. Also please remove the following incorrect addresses : XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX, PA XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2020-05-29
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2020-07-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX provided service to California home I sold in XXXX. My service was paid until I sold the home and moved. Obviously, any service provided after that date was for the new owner. 

Attempts to correct this issue with XXXX were futile and, as a result, I stopped using XXXX for any service. 

XXXX  has engaged one collection agency after another over the 19 year period the last of which was IC System opened XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I OLLECTIONS XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$100.00} COLLECTIONS XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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:
I have an account showing on my credit report for XXXX XXXX. See below Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Usage : 100 % Balance on XX/XX/XXXX Credit Limit {$7100.00} {$7000.00}

Company response to consumer: Closed with explanation