BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
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: Information belongs to someone else

Complaint:
I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.

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 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove

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 2021-01-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
with Covid 19 I have tried to fix my credit and start all over again. I got school loan paid off and summit it to them. still on my credit. I am a single mo that left an XXXX, XXXX  XXXX  x.I have been starting over moving forward .try to get Bk off that was my x .I also have bad credit and have not been able to get car .I take bus. but now with cover I stuck and need good credit so I can Live a life with my kids away from x. I have had a good job butcovid shut us down.I hope to be back doing  XXXX  in the next month I need help getting all negative stuff from my x off credit and continuing build good 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 2020-05-14
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:
I applied for a XXXX  XXXX XXXX credit card and I was not approved and today XX/XX/20 I got a letter in the mail saying that the reason why I was not approved was that there were several accounts in negative standing appearing on my credit. I thought it was a mistake since I do not have any accounts in negative standing but I got a free copy of my credit reports and I saw 6 collection accounts that are not mine. I had no idea that these accounts were on my credit because I didn't open them nor do I have any written/verbal contact with any of these companies. I don't know who these accounts belong to or how they got on my credit history ; I did not benefit anything from any of these accounts nor did I contribute to any payments made to any of these accounts. I have filed a police report because regarding these accounts that were opened in my name without my authorization.

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 2021-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2020-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
1. Inconsistent dates of last payment on a charged off account XXXX - reported XX/XX/XXXX XXXX  reported - XX/XX/XXXX 2.Date Last Active - XXXX reported XXXX XX/XX/XXXX XXXX reported - XX/XX/XXXX XXXX reported XXXX 3. XXXX is reporting a High Credit amount of {$1700.00} on a C/O account that should only be XXXX according to FCRA Guide XXXX is showing {$0.00} as it should XXXX is showing {$1700.00} 4 All the 3 bureaus are showing past due amount of@XXXX as of XX/XX/XXXX on account that was Charged off since XX/XX/XXXX 5. XXXX and XXXX are both reporting as of XX/XX/XXXX, Credit limit of {$1700.00} instead of {$0.00} on account that was charged off in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Renew Financial 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: Account status incorrect

Complaint:
I applied for financing through XXXX and was denied for " Delinquent property taxes within last 3 years '' on my XXXX  XXXX consumer credit report. 

I checked my XXXX  credit report and there is no reference to delinquent property taxes because I've never been delinquent. 

I attempted to file a complaint via XXXX, however, there is no way to submit a complaint regarding Property Taxes. 

I believe the information provided to the lender was inaccurate and resulted in my denial to critically needed financing. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: MO
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 this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX XXXX XXXX financed with Ally Financial, I'm at the end of my finance contract. There is a vehicle repossession fee added to the balance that is owed. Vehicle never was reposed. Spoke with Ally customer service several times. Ally refuse to make adjustment for the repo fee on account. Please assist me with getting this issue resolved. I'm questioning late fees that's added to account, Ally Customer service stated payments were paid on the XXXX or before the XXXX of every month. Ally records show payments due XXXX of every month. Ally has been charging late fees for the wrong payment due date payments are due on the XXXX of the month

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 2020-12-09
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Mortgage Solutions after receiving a hit to my credit, which showed my credit dropping and which referred to a deed lieu, which I don't have with them. This property was sold in a short sale, closed in XX/XX/XXXX, I received this notice in XX/XX/XXXX. I first called XX/XX/XXXX and spoke to a person who said they were with loss mitigation who gave her name as XXXX XXXX and who asked me to mail documents at the time to XXXX, her words went along the lines she saw an account open but could not understand why. She requested I send the documents I have, I emailed what I had, a letter stating that if there was any debt, Mortgage Solutions Financial would not come after me for, also a release of deed issued. She requested I call back and check if she had received them, called back there was no luck reaching her XX/XX/XXXX. XX/XX/XXXX was in was unsuccessful overall reaching someone, this at first was a series of phone tags, transfers went to the automated system, the automated system would not get me to a person. I then called XX/XX/XXXX, began speaking to someone I was transferred to, felt it was going well till I simply asked for a name, they hung up after giving me first name last initial, person, s name was XXXX XXXX On XX/XX/XXXX realized I missed call from a XXXX XXXX who I managed to get a direct number and email XXXX and email XXXX. He asked to send what I had sent before also snail mailed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I became the POA for all medical and financial matters due to my XXXXyear old mother 's XXXX  XXXX XXXX diagnosis. 

My mother has a checking account, credit cards, and a HELOC with Key Bank. In XXXX, I brought my POA paperwork to her Key Branch and was told that their Legal department would review the documentation. I was only given access to her checking account. 

Nevertheless, when I sold her home in XXXX and sent the payoff and POA documents, with the request to close the HELOC documentation, I was never informed the HELOC was not closed. My mother and sister went to a branch near her XXXX XXXX XXXX and was told the HELOC was not closed and that they needed to pay an additional fee to close the HELOC. In XXXX, she signed the documents presented at the branch and paid the fee. We have never received the documents indicating the HELOC is closed. 

When she applied for a credit card she was denied due to an open HELOC last week. That is how we found out Key Bank has still not completed this required step. 

Now she is being charged a service fee on her checking account that she has never had to pay. Why is Key Bank treating elderly customer this way?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IVE BEEN A VICTIM OF IDENTITY THEFT, THESE ACCOUNT DO 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 2020-05-14
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money to a vender for virtual currency. However the person kept asking for money. Thus I realized it was a scam. The amounts were {$300.00} and {$200.00} because of transfer limits. I tried to cancel the transaction but realized there was no function to cancel. I called Paypal and was not able too reach anyone. So i disputed the transaction and listed the possible scam. I then contacted support about the dispute and informed them of the scam. Now it has been 3 weeks and Paypal gave the scammer the money stating that they found in favor of the scammer. I then contacted the vender in which i was told i had to pay them XXXX more dollars to get my currencies. I told them to take it out of the XXXX i sent them. I was told they would not do that. And they are keeping my money. Have a nice day. I contacted PayPal stating what happened because of their resolution. And have yet to hear back from them. I gave pictures of the conversation with the vender. The dates of transfer were on the XXXX th of XXXX but would not clear until XX/XX/XXXX. I disputed the transaction soon after the transfer. Maybe an hour. Since this was done late at night. The dispute might have been on the XXXX th around XXXX. The company PayPal has yet to offer any information aside from telling me they resolved the issue. Which means they gave the money to the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: NCSPLUS INCORPORATED
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: Account status incorrect

Complaint:
There is a collection reporting on my credit report as a derogatory account after I have paid this account.

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 2020-12-09
Company: CCS Financial Services, Inc.
State: CO
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 a derogatory entry from XXXX on my account. XXXX changed the terms of my agreement after I had signed up online and used this as a basis to auto-charge me far more than I had originally agreed upon. I can't remember specific numbers, but I agreed to pay around $ XXXX/mo and they charged me about {$300.00}. It was in early XXXX, a good year before the entry appeared on my credit report in XXXX XXXX. 

At the time I attempted to work with their phone support and they threatened to report to the state that I hadn't had insurance for the last month that I was asking for a refund for, which would have caused me issues with my car 's registration and would have messed with the rate provided by a new insurance company. This was a month that they had already agreed to provide insurance for under a different rate, so they had no grounds to make these absurd statements off of. 

I didn't want or ask for a full refund, I just wanted a refund for the difference between what I owed and what they charged. Since they both didn't offer a refund of the amount that they had stolen from my account and were threatening me in an attempt to extort money I went the alternate route of requesting a chargeback from my bank. In retaliation they inappropriately reported a derogatory claim on my credit account when I did that. They have reported to XXXX  that I owed them an amount far in excess of the amount agreed upon because they decided after I signed up to change the terms of our deal. 

They never had authorization to take the money that they took from my account and when I tried to work with them at the time I was met with threats and flat-out lies. I was unable to resolve the issue while directly contacting the company. 

This XXXX  and any other related credit report entries need to be removed as soon as possible. The debt they are claiming I owe them is not legitimate. They are committing libel at this point and them putting this on my credit report amounts to extortion. 

The debt is currently owned by Credit Collection Services, https : //www.ccsusa.com/ and is being reported by XXXX. I have disputed the entry with XXXX  unsuccessfully.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I added the mother   of my son  to my credit card as an authorized user so that she could call the utility companies and make monthly payments. She moved out of the home that we shared and I removed her as an authorize user. She stole my card and ended up using the card and made purchases that I did not authorize such as airfare tickets for herself and another person. I disputed the charges but Chase would not help because her name was previously on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: JPMORGAN CHASE & CO.
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:
Some body run my credit with out my knowledge here is the date and company XXXX XX/XX/XXXX CHASE AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified on XX/XX/XXXX that Convergent Outsourcing, Inc., had put a collection notice on my credit reports with XXXX and XXXX, which was apparently reported on XX/XX/XXXX. This is for XXXX XXXX. 

In XXXX or XXXX XXXX, I contacted XXXX XXXX. They apparently provide cable in XXXX XXXX, which is where the account was set up. I have never lived in XXXX XXXX and have never opened any type of account with XXXX XXXX. I had never even heard of them. 

XXXX XXXX informed me that the account was fraudulently opened and is identify theft in XXXX. A police report was filed with a police department in the City and State where I live. 

Previous reports on my credit report of this debt from a different agency were removed in approximately fall or XXXX of XXXX. XXXX shouldn't be allowed to continue to mess with my credit this way. I've submitted disputes again against the Convergent Outsourcing, Inc. reporting. They shouldn't be able to do this either.

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 2020-05-14
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car with XXXX in XXXX and Santander Consumer USA financed it. I didn't know the interest rate was 18 % but since day one most of my payments have gone towards interest instead of principle. On my credit report they have 80 payments at {$490.00}, on my paperwork from them it's a 6 year loan. There is no way I would sign to pay {$40000.00} for a {$20000.00} car. My paperwork states 72 payments and I have made double payments whereas they overcharged in interest and miscellaneous fees. The finance charge was {$14000.00} and after reviewing my payments I have paid above and beyond that. I have never been late and I even doubled payments. I really need this matter investigated because I am joining the class action lawsuit against this company and will also file a complaint with the Federal Trade Commission. After paying on this car a XXXX XXXX XXXX XXXX XXXX  they still say I owe {$12000.00}, how is this even possible, so for the last 5 years paying {$490.00} even doubling payments, that's called robbing a person of there Freedom. I wouldn't recommend this finance company to anyone, its a shame how they are making a person pay double the amount for a car. Please help me, because I asked a XXXX XXXX where my niece works and they advised me there is no way I owe the amount they are stating.

Company response to consumer: Closed with explanation