BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
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:
XXXX XXXX aXXXX XXXX placed a Charge off on my credit reporting statement despite the fact that they were paid off in full and I have records to prove that. The bank got paid the agreed amount of {$2300.00} dollars as a difference between the book value of the vehicle totaled and the balance on my auto loan. The bank sent me a letter to pay within 180 days and I complied by paying the balance in full. Yet the bank decided to place a CHARGE OFF on my credit report. Clearly this is fraud. According to XXXX search I found that When an account displays a status of charge off, it means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. Clearly that is false. The bank was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Personal information incorrect

Complaint:
XXXX Experian a incorrect/correct address dispute letter stating what address were incorrect and correct on XX/XX/2020. This letter was sent certified. Experian failed to update my credit report with correct address information stated in documentation.

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 2018-12-04
Company: Asset Recovery Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX Asset Recovery called my work phone about collection. When I explained that it was my work number and that personal phone calls will get me fired he kept trying to continue the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
The money I had sent was someone selling gift cards on XXXX. I have never had any problems until now I contacted XXXX and Paypal and both said there was nothing that could be done. So as of right now he has my {$50.00} and I have no product from him. I am just trying to figure out what to do so this doesnt happen to anybody else and see if there is a way I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$0.00} Charge off XXXX XXXX Balance Owed : {$510.00} Collection XXXXXXXX XXXX  XXXX of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX, XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 These accounts and inquiries are involved in litigation and does not belong to me. I never established these items. These items are a result of fraud. I was contacted by a collection agency regarding the items that were obtained under may name. I have no knowledge of obtaining any of the items listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts and inquiries investigated and removed immediately.

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 2021-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow-up complaint on my previous complaint # XXXX ; bank of America has failed to address my request properly, they have wasted my time and now claim that I initiated the claim to dispute my wrongly charged fee of XXXX by XXXX outside the window. In another mail, I received today that is dated XXXX XXXX, 2021, Bank of America claims that I have failed to provide further information or documentation in regard to my case and now they want to stick to their initial decision. They are providing inconsistent excuses in every mail they sent me that show they are bad people. Whoever is handling my claim is a bad and unprofessional banker. 

I had opened the claim right on time and they favored XXXX based on wrong evidence that was a forged signature on the XXXX carrier for the delivery of an item. 

I need the bank of America to be responsible for this wrong decision and refund my XXXX as they have provided the guarantee for a fraud-free transaction. 

Thank you for protecting me. 

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 2020-10-26
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: Investigation took more than 30 days

Complaint:
On XXXX, I wrote XXXX  and Experian requesting a reinvestigation into the inaccurate items and accounts detailed as follows : 1. Remove all inaccurate names except for XXXX XXXX 2. Remove all inaccurate addresses including XXXX XXXX XXXX. XXXX . XXXX  3. Remove all employers from report because I amXX/XX/XXXX. 
4. Remove XXXX XXXX loan.

5. Remove ALL inquiries including hard and soft.

6. Remove ( 2 ) XXXX XXXX accounts.

7. Remove XXXX/XXXX  OnXX/XX/2020, I wrote XX/XX/XXXXand Experian informing them that I had not yet received a notice that they have begun a reinvestigation into the disputed items and 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 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : Capital One XX/XX/2018 XX/XX/XXXX. 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Car was sold at aution not sure why a balance of {$9200.00} remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: AZ
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:
I sent a letter on XX/XX/2022. This letter was sent in effort to remove personal information that shouldnt be on my credit report, nor did I authorize such. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to any third party. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent a 609 dispute and also sent a 30 demand to comply and still havent received anything.

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 2021-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is 3 companies that I reached out and made a settlement with : ( A ) XXXX XXXX ( B ) XXXX ( C ) XXXX But I see it on my records as derogatory status. All 3 agencies have it and they need to update their system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Fed Loan Servicing is my lender or I thought they were my lender. This company solicited me online and I electronically signed documents online. Needless to say, I discovered that they are a third party and that all the payments I made never reached my loan! I called them to request a copy of my promissory note and they told me that they received a certification from the original lender about the amount due. I then sent them a debt validation letter via certified mail on   XXXX   XXXX  , 2017, formally requesting the promissory note so that I can determine the amounts due, the interest rate used to calculate the amounts, etc. Till this date, I have not received any documents from this company regarding the promissory note and/or payoff they must have received from the original lender. It is impossible I owe the amount they state. I need to see my original promissory note and all subsequent notes and/or forbearance paperwork. I need to calculate the amount owed myself. I am an   XXXX   and my  XXXX  have  XXXX . I have been working in the   XXXX   field for twenty years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: GOLDEN 1 CREDIT UNION, THE
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 information incorrect

Complaint:
XXXX XXXX XXXXXXXXXXXX  Balance {$0.00} GOLDEN 1 CU XXXX  Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-07-10
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 anxiety, 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 2019-03-08
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had filed a previous complaint and listed it as wrong original creditor they werent XXXX XXXX but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about XXXX XXXX. I attempted to clear this matter with them by filing a dispute through XXXX and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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 fraud alerts or security freezes

Complaint:
I logged on to Experian to dispute a collection on my report. Upon logging in, I checked my alerts and I noticed that there was a personal message ( which I did not type ) which stated : " A fraud alert has been placed on your EXPERIAN Credit Report. 
A fraud alert notifies potential lenders who view your credit report to verify your identity before granting new/additional credit. 
Alert Details : Alert Date : XX/XX/2019 Source : EXPERIAN Consumer Statement : XXXX & XXXX-19 XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XXXX-19. Is anything incorrect? Visit Dispute Center '' Upon visiting the dispute center, it does not allow me to dispute anything and tells me to call Experian. I called and spoke with XXXX, who was extremely impatient, disregarded my crisis, told me to upload some documents. I asked him to stay on the phone for which he had an issue and as I predicted, the upload failed as soon as he hung up. Online uploading shutdown and I was notified on screen to call another number. That number was just voice recording and i was told I have to do a mail in. I am trying to get a car-my partner is XXXX and we need to be able to be mobile for his doctor visits, prescriptions and in case of emergencies. 

I am completely shut off from my own credit report and the dispute process and the timing couldn't be worse. Who gave them the authority? I want to know who made this decision and why and how come no one informed 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 2023-07-27
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a demand debt obligation notice from Harris & Harris , Ltd. attempting to collect on a non obligated debt they created in absence of any consent from me, promise, agreement, note, contract or any other instrument bearing my signature. This is violation of FDCPA, Privacy Act, and Identity Theft. Attached is notice sent to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection XXXX XXXX XXXX. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are a significant number of hard inquires on my credit report. 

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet. 

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but have not removed it despite my request. 

One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!

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 2020-12-05
Company: TRANSUNION INTERMEDIATE 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:
I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below

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 2019-05-30
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with SLC STUDENT LOAN TRU that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on XXXX   and XXXX as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act.

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX  and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 XXXX, TransUnion and XXXX 
I have filed a dispute in regards to the incorrect items on my credit reports. 
It has been well over 30 days and I have not received any investigation results. 
XXXX {$6600.00} XXXX XXXX XXXX loan {$9600.00} XXXX XXXX XXXX {$490.00} XXXX ( Original Creditor : XXXX XXXX ) {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$150.00} XXXX ( XXXX XXXX XXXX ) {$110.00} XXXX ( XXXX XXXX  XXXX ) {$30.00} XXXX ( XXXX XXXX XXXX ) {$38.00} XXXX XXXX {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
THE PROBLEM IS WITH A CASH APP, TRANSFER OF FUNDS IN THE AMOUNT OF XXXX, WHICH WAS SENT ON XX/XX/20 THROUGH CASH APP. THESE FUND WERE SENT FROM, MY BANK ACCOUNT, WITH XXXX. THE FUNDS WERE SUPPOSE TO HAVE BEEN SENT TO, XXXX XXXX XXXX BANK ACCOUNT, WITH XXXX XXXX, IN XXXX WISCONSIN. HOWEVER, HER BANK STATED THAT THE FUNDS, NEVER HIT HER ACCOUNT. WE CHECKED WITH BOTH BANKS AND CASH APP. THEY DON'T HAVE ANY KIND OF INFORMATION ON WHERE THE FUNDS WENT. CASH APP. TOLD ME THAT THE FUNDS WOULD BE REFUNDED TO MY CHECKING ACCOUNT, WITHIN SEVEN TO TEN BUSINESS DAYS. HOWEVER, THEY HAVE FAILED TO REFUND ANYTHING TO MY ACCOUNT. THEY HAVE SO FAR TRIED TO DO ANY KIND OF FOLLOW UP WITH ME, CONCERNING THE SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: SYNCHRONY FINANCIAL
State: IL
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:
Thank you for your help. I have a hard inquiry on my credit report from Syncb on XXXX XXXX 2019 listed as : XXXX XXXX - XXXX. I do not have any knowledge of authorizing this inquiry and when I called Sycnb they couldnt give me any information to this inquiry. I didnt authorize this inquiry and Id like it removed from my credit however Syncb is not helping with this matter. Can you please assist me in this process? 

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