BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: eMoneyUSA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2020, I reached out to the company and asked if paper billing was available, they said that they would not do paper billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Chase debit card in the mail on XX/XX/2022 that went to a checking account that had been opened in my name, that I did not open. I called Chase and reported the fraud and they put a freeze on the account, they would not close the account immediately until they receive a copy of a police report and some identity theft packet they send me that I guess I fill out and send back to them. I did report the incident to the local sherriff 's dept. I contacted all three credit bureaus and put a freeze on my credit as well. Then on XX/XX/2022 I received a XXXX card in the mail for yet again another account that was opened in my name that I did not open. I called XXXX this morning and was able to close the account and report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: PA
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:
I sincerely request your compliance with the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers in relation to credit bureaus. In light of this regulatory context, I kindly implore Equifax to undertake the necessary measures to exclude the ensuing account particulars from my credit report : Account Details : Creditor : 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 Scheduled Duration : Until XX/XX/XXXX It is crucial to emphasize that the inquiry mentioned above was not initiated by me. In accordance with the FCRA, which places significant importance on the accurate representation of individuals ' credit histories, I urge your prompt attention and resolution of this matter. I extend my gratitude for your unwavering commitment to upholding the fundamental principles of consumer rights within the sphere of credit reporting. Your swift action in rectifying this discrepancy is greatly anticipated and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TX
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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, After disputing account XXXX XXXX XXXXXXXX XXXX XXXX multiple times I filled complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however, the account still has inconsistent information with all three bureaus which include, the high credit, credit limit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 found out I had a collections with Kohls a few years ago without any knowledge of charges that was made. I previously had a kohls account that I didnt use and believe was canceled. I told Kohls I was unaware of the charges, paid it and made sure it was canceled. Later on I found out on a free credit report that the delinquency dates was showing someone was making payments to a balance I didnt know about. I called Kohls and told them it wasnt me and they provided personal information that wasnt mine. After updating my information I told them I had a Kohls card once and I didnt make those payments or charges. They told me to file a dispute with the credit reporting agency. Kohls then supported their false report. I paid for a 3 credit report app. And found out that Kohls had more then one account in my name and didnt tell me about it. I then filed another dispute saying the account was falsely put in my name. Kohls again supported their false report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported. 
I am a victim of identity theft, and I have taken the necessary steps to report the fraudulent activities to the relevant authorities. However, I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and anxiety. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I logged into Equifax to try and lift a freeze to apply for a credit card and they couldn't verify my identity even with my social security and all other information because I didn't have a credit card already set up. I just wanted to temporarily lift a freeze, and XXXX other companies would let me, but since I didn't have a credit card they wouldn't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want to address the erroneous listing of accounts marked as late payment and collection on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer as reflected on the account history, these accounts are being inaccurately reported as delinquent. This is unacceptable and demands immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions 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:
These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts 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 2021-06-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

7. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

8. Identity Theft TOYOTA MOTOR CREDIT Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently limited my account for no reason for 180 days today on XX/XX/2022.. i was not even notified for such actions.I am requesting paypal to restore my account inoder to withdraw my {$690.00} funds to us during this diffucult period of COVID.I am totally confused and harrassed for such acts. kindly help me secure my account and withdraw the funds as well. my paypal account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: AL
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:
On XX/XX/XXXX XXXX fraudulently charged my credit card {$120.00}. I contacted my credit card company & asked that they reverse the charge on XX/XX/XXXX. To date no action has ever been taken by my credit card company to rectify the issue. Every time I have called I have been told there are zero updates on my case. It's been 5 weeks & I provided all of the necessary info. 
I returned a package to XXXX, and XXXX is claiming the package was not returned even though tracking proves it was returned & I have 2 emails from XXXX employees confirming the package was received. On my XXXX account page however the package showed as not being returned which is why I called XXXX to ask about that issue. They assured me I just needed to give it time to let the system update & the info would update on my account page. That never happened & instead XXXX charged me for the package that was returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX Data Breach and the XXXX  XXXX Data Breach, which exposed all of my personal information as a XXXX  resident. I'm XXXX years old and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

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 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 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 I have no account with the companies below, and the identity theft inquiries are as follows.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second complain I have had to submit as the company ( Ed financial ) holding my loan has dodged any and all attempts at resolving this problem and has not complied with the first complaint i was forced to complete regarding my loan. Using my XXXX education award from my service in XXXX I authorized a {$5500.00} payment to pay off the entirety of my loan on XX/XX/2023 XXXX. This amount was then accepted by Ed Financial ( the loan holders in question ) on XX/XX/2023 XXXX. I have documentation to prove this. Despite this however they have made no adjustments to my loan in question or attempted to apply this payment to my outstanding loan. I have emailed them multiple times about this in an attempt to receive clarification on this matter and have received no response even after a XXXX business day response time. I then attempted to call them on XXXX to clarify this matter as they have started to charge interest on a loan that was paid in full last month. They proceeded to put me on hold for seven hours, and as of the time of writing this have made no attempts to call me back or respond to my emails. The document will be included below ( with personal information hidden as requested ). 

They continued to avoid any form of response until I filed a complain with the CFPB, in which case they still avoided any form of response until after a response was due. I received this response on XXXX in which they finally admitted that they had received my payment and are in the process of applying it to my account. This was three weeks ago as of the time of writing this and they still have not applied the payment which they confirmed they had received, and are still charging me interest on a loan that is completely paid off. I have tried to contact them about this oversight and they had continued to ignore any and all forms of communication about resolving this issue.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2022-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: CL Holdings LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Jefferson Capital System. I have disputed with XXXX multiple times now on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They investigated and found my information to be accurate and have deleted the account but it somehow ends up back on my credit. This company is fraudulently reopening this account and reporting it as opened on XX/XX/XXXX with the current account status as open. This account was CLOSED in late XXXX. I demand this be resolved immediately or I will be pursuing legal action.

Company response to consumer: Closed with explanation