BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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:
I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX  date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma 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 2021-08-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this collection and all the inquires are fraudulent i have contacted all parties in question and they all tell me its experian that has to correct it i have sent experian numerous disputes and they just use computer generated responses i need this corrected and to show 100 % accurate information experian did remove this collection once then they put it back on after 60 days after deleting it XXXX XXXX Original creditor : XXXX XXXX XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dealers, XXXX XXXX date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX AXXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : 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 2020-11-13
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an unsolicited debit card from USBank. I did not apply for this card and am concerned that by them sending this card in the mail is potentially causing me a risk of identity theft. I tried on several occasions to talk to them and was passed to three different departments to a point that the automatic phone tree options would not let me even talk to a representative.

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 2020-10-11
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After several attempts to contact company I finally just paid the balance to keep it off my credit. Payment was paid in full on XXXX XXXX, 2020. They assured me it would not show, and it does.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: GREAT LAKES
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as XXXX XXXX XXXX XXXX, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 my wife and I were filling out a loan application for a new home. Every time we have tried they always just tell is we dont have enough credit. Well this time the lender asked us if we may have a freeze on our credit. We were unsure of that not even knowing you could do that. We called and we did on our Equifax reports. She was able to have hers removed. But they wanted me to send in my personal information through the mail to verify my identity. They asked me for my social security number and date of birth, then told me it didnt match their records and wouldn't help me any further. I refuse to send in my personal information through the mail when I did not place the freeze on my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed for Bankruptcy in the USBK COURT XXXX XXXX OF OHIO Docket # XXXX and the accounts that were included in my bankruptcy were not removed and/ or deleted from my credit reports which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : 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 2019-03-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I need to get my name straight on my credit report. XXXX XXXX XXXX is my name please remove any other name from my credit report it is not accurate. I have only one employer XXXX. please remove any other employer from my report they are not accurate. I have a few unverified account I am not sure how they showed up on my report never done business with these companies?? Please forward me the proper verification this is the third time I have complained about this accounts on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 non-monetary relief
Consumer complaint received 2021-01-20
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Monday, XXXX XXXX. Someone logged into my Venmo Account. Added a Credit card and sent themselves 3 transfers of XXXX each and one for XXXX for a total of {$9900.00}. 

On the same day XXXX XXXX. I called Venmo and there is no live person available. I started a ticket online and chatted online several times. They said they would escalate the issue to the correct department. If they only would have been able to respond they could have reversed the charges since it went to a credit card. On the chat they told me they would get back to me in 5-7 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was on furlough from work XXXX XXXX XX/XX/XXXX, I was told to file unemployment, I did and requested my weekly pay I shouldve even qualified for XXXX $ extra, but it says Ive gotten two payments of XXXX $ that Ive never seen in my account I was also sent a card that is at 0.00. So i dont know what to do I only have XXXX and my family could really use the money. Can someone please help me. 
Thank you, 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 2019-09-16
Company: Byrider Franchising, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Over the last 8 months, I have been reaching out to J D Byrider, trying to get the loan for my car situated. I have a {$18000.00} loan for a XXXX XXXX XXXX that is used. My first issue came when I had a loan with them and the car was totaled and they told me if I purchased a car from them the first loan would be forgiven. That is not the case, I looks like I am paying for one car but I am paying for the car that was totaled and the car I have currently. When I spoke to the insurance company they stated that they released all the funds to J D Byrider per my request. I never spoke to the insurance company aside from reporting the accident. The finance representative from J D Byrider stated that they would speak to the insurance company so that I am not bet out any money. I went back several months later and purchased the XXXX XXXX, everything was fine until I missed a few payments and noticed that the information on the loan was different then discussed. At the point I was threatened with repossession and having a bad credit score because I was not paying. The car was repoed 3 times and I was charged {$370.00} each time and was told that it would be added to the end of my loan. I moved to NC and prior to doing so asked that the car be picked up. I was told that the car would be auctioned off and I would be responsible for the remainder of the balance and that a garnishment had been issued for past due payments. In about XXXX the calls and threats had stopped, I assumed it was because I started sending in payments but just learned that the company is no longer open and I have no idea where my payments have went to and on top of that I have a car with no title that does not run sitting on my credit showing I still owe over {$16000.00} for. I can not get another car because of this and wasted over {$15000.00} making payments to a company that is closed. I have reached out to the local branch here and they stated that they are not affiliated with the branch, I called the customer service number and it no longer works. I am confused on how to move forward, I need to get this problem taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!

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 2018-06-12
Company: Experian Information Solutions Inc.
State: SC
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 made several attempts to dispute inaccurate information on my Experian Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to XXXX XXXX XXXX and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is XXXX XXXX XXXX Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. Experian has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from 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