BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-12
Company: Santander Consumer USA Holdings 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:
Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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 appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2020-12-18
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

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 2020-07-16
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The multiple choice questions are not really relevant to my issue. But I want to make a complaint about Synchrony Bank. My issue is that they eliminated the ability to pay online and will only take our payments over the phone or via mail. Also they do not email a receipt I was told that I would have to send out a letter to a PO Box to request a statement. They have sent our account to a collections agency and ruined my credit. I will admit we had gotten behind by 4 months waiting for an unemployment check because of COVID. I called them asking about the financial hardship programs that they have on there website and the agent was very rude and would not discuss options to catch the account up and was unwilling to set us back up to a monthly plan or have the ability to check our account online and pay the amount off that way.

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 2020-07-16
Company: Riverwalk Financial Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agent named Deville Asset Mgmt just reported a {$5700.00} collection account on my credit report. Prior to the appearance of this account on my report, I received no correspondence from Deville Asset. I should have received a 30-day notice to dispute, which i did not, which is a violation of the Fair Debt Collection Practices Act. Furthermore, the original creditor ( XXXXXXXX ) has already reported negative information about this debt for seven years, so a new reporting of this same debt is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert in XXXX of XXXX  and that was deleted along with fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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:
I paid off a collection account over one month ago. It was with XXXX XXXX XXXX, XXXX. When I paid this off they said that this item would be fully removed from all credit agencies. I have an email and letter confirming both. Experian is incorrectly documenting this item even though XXXX is telling them otherwise. The item shows a {$0.00} balance when in fact it should be deleted. This was paid off over 30 days ago and should be removed completely.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft due to multiple data breaches with prior employers and a major credit bureau ( XXXX  ). As a result of this identity theft, it has impacted my life in a major way resulting in a declination of employment, residential leases, consumer credit, and has cost me greatly when establishing credit or utility services with large down payments requirements. My personal credit report with all 3 major credit bureaus ( XXXX, XXXX, Transunion ) have multiple inaccuracies listed that is displaying  defaulted credit items that do not belong to me. I have multiple Hard Inquiries that are listed on my personal credit report that I did not authorize. There are addresses and phone numbers listed on my personal credit report that do not belong to me. I have been disputing all of these items over the course of the past few years with no real changes being made to my personal credit report which is impacting my overall personal FICO score negatively. 

NOTE : I AM NOT WORKING WITH A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY, NOR AM I PAYING A THIRD PARTY AGENCY OR CREDIT REPAIR COMPANY. MY DISPUTES SENT TO TRANS UNION LLC HAVE ALL BEEN DONE ON MY ON TIME, MONEY AND EFFORT.

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 2019-06-28
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am getting emails that I owe Citibank {$88.00}. I have not used the card in months. I can't find the card and I can't get into the account. citibank took taxpayer money for bailouts. Where is my bailout?

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 2020-07-16
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXXContract Callers Inc. - wrongful debt claim This is regarding an alleged outstanding balance of {$170.00}. I have disputed this balance several times with XXXX XXXX directly as well as with Contract Callers Inc. collections agency. I even pointed to XXXX XXXX XXXX own call recording which clearly confirms that I had NOT signed up for a service renewal in XXXX, as they falsely claim, which then I supposedly terminated prematurely hence owing the {$170.00} cancellation fee. 

Despite my repeated efforts to dispute this charge, and even by trying to have a XXXX XXXX call rep manager listen to that call recording, they still sent this wrongful debt to Collections anyway and reported to CRAs. This has tarnished my otherwise very good credit score/history and I am now unable to get a good interest rate on a new home mortgage. 

Just recently, I also disputed this bad debt record with XXXX directly, but to no avail since they tell me that XXXX XXXX is insisting that I owe this debt still. 

I will continue to pursue this wrongful debt to clear it from my record. My last resort would be a legal approach, but thought I'd try with CFPB first.

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 2023-05-11
Company: Experian Information Solutions Inc.
State: WA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this account XXXX XXXX XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: SC
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the accounts XXXX XXXX XXXX , XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried several times to fix this inaccurate public record on my consumer report. My file has been mixed or merged with someone elses and the bureaus failed to properly investigate. They said they verified with XXXX XXXX, XXXX XXXX removed this fraudulent public record after an investigation ( I have attached proof ). I contacted the US Bankruptcy court they said they did not report any information concerning me to any of the bureaus ( I have attached proof ). Lastly I have filed a report with the CFPB about my situation with the merged file ( I have attached proof ). I will not stand for this blatant violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It was reported on my credit that i owe a debt that i do not owe. There has been no attempt to resolve or any information available about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
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:
Credit Acceptance XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of 2021. I was then informed in XXXX of 2021 that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the Cares Act I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.

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 2023-07-07
Company: EQUIFAX, INC.
State: NV
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The company I am having a problem with is PayPal.On XX/XX/2020 I used paypal to pay for a pool from an online website. I never received the pool and I submitted a case to paypal who should cover this with their buyer protection policy. The seller did not respond to me in any way. PayPal apparently got tracking information and promptly closed the case. The tracking information is to the wrong address and there is no way for me to dispute their ruling nor to contact anyone at paypal. here is the details of the transaction : XXXX XXXX -negative {$99.00} XX/XX/2020 Payment Paid with {$99.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXXYour backup is VISA XXXXShipped toXXXX   XXXX '' Address '' XXXX XXXX XXXX XXXX XXXX , WI XXXX United States Have you received this order? 
No Shipment Tracking XX/XX/2020, Sent by MANUAL Status : ShippedHave you received this order? 
XXXX XX/XX/2020, Sent by USPS Status : Shipped Transaction ID XXXX Seller infoXXXX   XXXX Purchase details XXXX   XXXX {$99.00} Item # 1 Total {$99.00} The information that Paypal has is correct and we had to call the USPS to find out where that tracking number went and it is not our address nor anyone that we know. Again Paypal has closed the case and does not alow a new case to be opened or any sort of dispute. In addition to this, when we XXXX the serllers website it has since been ID 'd as a scam ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent Portfolio Recovery Associates, LLC several letters via Certified Mail, 7 letters to be exact, each letter was not responded to for about 60 days. In those letters I asked them to provide documentation bearing my signature that I owe them this debt. They failed each time only sending a copy of a statement, which proves nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received court documents that I was being sued Was never notified by New Financial of existing debt This debt is no longer on my credit report, they didnt show state to of my account, payments I made prior THey didnt say they have legal right to satisfy this debt - even after I asked Told me there was on docket number with the court that I was not being sued - after that my job received garnishment papers. 
This company has been sued multiple times for using unfair practices and illegal tactics to satisfy debts they purchased. New century financial no longer owns this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was using my moms car because my car was not working. And forgot to transfer my XXXX tag to her car. Then I have received XXXX violation and I replied to them each time they sent it to me. Then couple of months later I received a letter from alliance one saying i owe {$700.00}. So I called XXXX  to understand why they are asking me to pay this. They told me you never replied to our violation. So I told them I did. They asked me which way. I told them by mail. Then they told me I should of called it in because we dont always receive all by mail. So now Im stuck between alliance one asking me to pay {$700.00} and XXXX. So I called alliance to find out how much the tolls were and they told me its around {$200.00} so I paid the tolls. And now they want me to pay for the fees. But I dont owe them that because Im an XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: KY
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 did not open ANY account with " THE XXXX  XXXX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. XXXX 's and Equifax 's and XXXX 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with THE XXXX XXXX/XXXX, XXXX, and Equifax. on XX/XX/2023, XXXX investigated ( File Identification Number : XXXX ) and THE XXXX XXXX/XXXX  verified the account as accurate when it was not. The XXXX XXXX/XXXX  account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We spoke with PennyMac in XX/XX/XXXX to let them know we were interested in refinancing our mortgage loan. PennyMac scheduled an appointment for us to close on XX/XX/XXXX. However, the notary never showed up, but called us to let us know that PennyMac never forwarded them the necessary documents. We contacted XXXX XXXX XXXX XXXX tge PennyMac loan officer to let him know. He rescheduled a new closing date to XX/XX/XXXX. We signed all of the necessary documents on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, the called us to confirm that all was good. On XX/XX/XXXX, XXXX XXXX contacted us to let us know we needed a new payoff letter thru XXXX from XXXX XXXX XXXX XXXX and that we needed to sign new documents. He scheduled a new closing date to XX/XX/XXXX. Here it is XX/XX/XXXX and no notary showed up and no phone call from XXXX XXXX. We called XXXX XXXX again, but he has no answer for us as to why the notary did not show or why they dropped the ball on us again. We also contacted PennyMac 's 800 number on XX/XX/XXXX, but no one seems to be able to provide any answers for us nor want to resolve the issue we keep having.

Company response to consumer: Closed with explanation