BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: Razor Capital, LLC
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 XXXX XXXX disputed over and over again that credit one bank was settled and paid in full. A paid charge off. XXXX  XXXX  nor XXXX who I have written to many many times as well have disputed on line will not correct nor update comments and balance. Its a XXXX balance and comment should say paid charge off or paid and settled for less. I have proof of letters that account was paid. It was originally XXXX XXXX XXXX  account they sold it to XXXX XXXX XXXX. Then XXXX XXXX XXXX told me they sold it to a third party RAZOR CAPITAL. Razor Capital is the collection agency I had to settle and pay charge off of XXXX. Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: ID Analytics, 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: Account information incorrect

Complaint:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX account was close in XXXX XXXX received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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:
On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of XX/XX/XXXX Data Breach.

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 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Account with XXXX XXXX opened XX/XX/XXXX. On Trans Union has XX/XX/XXXX. The highest credit was {$9200.00}. Trans Union has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as Trans Union. XXXX  sold to XXXX XXXX, from XXXX XXXX to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender inXX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/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 2020-08-30
Company: Persolve, LLC - Legal - Series 2
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 owe {$6300.00} opened in XX/XX/XXXX XXXX owe {$9700.00} opened in XX/XX/XXXX XXXX/XXXX XXXX XXXX   owe {$1500.00} opened in XX/XX/XXXX XXXX XXXX owe {$1000.00} opened XX/XX/XXXX XXXX XXXX owe {$250.00} opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX amount {$13000.00}

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 2020-07-07
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I previously sent CoreLogic a letter to place a security freeze on my Corelogic report but instead of them placing a freeze on my report, they told me that they are a reseller of the consumer report information provided by the three credit bureaus, so they didn't place a freeze on my CoreLogic 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
Consumer complaint received 2020-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRA failed to validate the debt or establish that the debt is associated with me. As. PRA knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And PRA lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
I have sent several disputes to each of the credit bureaus : XXXX, XXXX, and Experian. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered photographic electronics, items from a merchant ( XXXX XXXX XXXX XXXX ) online with Chase Credit card worth of {$9500.00} XX/XX/XXXX The merchant claimed the order was delivered to someone else other than myself. I have made a good faith effort to resolve the problem with the merchant directly by contacting the merchant couple of hours after didnt receive my merchandise. I asked for a replacement or give me a refund, but after many efforts of complaints to recover a refund, there was no response or a resolution by the merchant. The seller at first said it will be investigated with XXXX and will get back to me XX/XX/XXXX but no one contacted me since. I contacted my credit card company to dispute the charges asserting that the goods or services were not accepted or delivered as agreed. XX/XX/XXXX during the investigation conducted by Chase, the merchant responded with some outrageous claim of accusations without bases and failed to provide proof that it delivered product according to the agreement. After my request XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for supporting documents as to the facts that goods were delivered to and signed by me, Chase close the case and is now asking me to pay for goods I did not received. Chase has failed to comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable including, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: PA
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 is continuing to to show that I was late back in XX/XX/2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XX/XX/XXXX, XX/XX/XXXX and Experian kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.

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 2020-12-02
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: Information belongs to someone else

Complaint:
I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP 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 2022-08-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing the following fraudulent inquiries with Equifax credit bureau for over a year now. I mailed them proofs several times. They removed the fraudulent inquiries then the following day the reported them again. I did submitted a complaint with CFPB on XX/XX/XXXX against Equifax to delete these fraudulent inquiries. Equifax response was We deleted these fraudulent inquiries but they didnt. Im attaching all the documents to show how Equifax doing business and how Equifax insisting to report inaccurate fraudulent information to my credit report. 
XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Cadence Bank
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a mortgage loan. I started the application process on XX/XX/XXXX. The loan closing date was moved to XX/XX/XXXX. The reason for denial of the loan from BancorpSouth was sited as my current position of XX/XX/XXXX fellow has an end date of XX/XX/XXXX. I have worked steadily as a XX/XX/XXXXfor the past ten years. I started my current job as a XXXX XXXX  fellow in XX/XX/XXXX. I applied for a conventional loan with 20 % down. My credit score, assets, and wages were satisfactory. BancorpSouth was aware of my current job when I applied for the loan on XX/XX/XXXX. I received a call from XXXX XXXX, loan officer, at XXXX XXXX XX/XX/XXXX stating that BancorpSouth would not approve the loan for the above stated reason. I spoke with her on XX/XX/XXXX XX/XX/XXXX to assure that the loan would close on or before XX/XX/XXXX because the initial closing date was changed due to BancorpSouth. I was told that it would surely close before XX/XX/XXXX by XXXX XXXX. I paid for the appraisal through BancorpSouth. The appraisal was satisfactory. XX/XX/XXXX is the day before XXXX ; the next day, XXXX, which is a holiday, the bank would be closed. I was told on Wednesday, XX/XX/XXXX at XXXX XXXX that BancorpSouth would not approve the loan. The closing date was scheduled for XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts or my addresses. Please remove them.

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 2020-12-02
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Called the collector when I became aware of the debt while reviewing my credit report advised them i was not aware of debt. They were supposed to delete upon receiving payment. On my report as paid. They advised me on a recorded line that it would be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX failed to validate the debt or establish that the debt is associated with me. As. XXXX knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And XXXX lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

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 2020-08-30
Company: EQUIFAX, INC.
State: NJ
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Account information incorrect

Complaint:
In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, 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:
I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, Equifax, and XXXX. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.

Company response to consumer: Closed with explanation