BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
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:
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX/XXXX  Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX  Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) XXXX XXXX XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX    XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 ) XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account

Company response to consumer: Closed with non-monetary relief
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: 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 sent a validation letter certified to XXXX XXXX regarding a collection that was placed on my consumer reports. XXXX XXXX   notified the credit bureaus to remove the account in the amount of XXXX. The account was deleted from my credit reports on XX/XX/2018. Today I noticed the same account was placed back on my report by a different collector by the name of XXXX XXXX. I called them and the company was unable to answer my questions. How is the credit bureaus continuing to allow these companies to add these bogus unverified accounts to consumer credit reports. XXXX XXXX does not even have the verifying information needed to validate the account. I also called XXXX whom they alleged assigned the debt to them and they are once again saying they did not and have not. ( I called them before when XXXX XXXX  was reporting this on my reports ) The credit bureaus are failing consumers by allowing their credit to be damaged by these collection agencies that just pass bogus debts around and swindle hard working people out of their money on bogus collections. How was this collection deleted on XX/XX/2018 after it was found to be unverifiable and bogus when XXXX XXXX, then allowed to be placed back on my reports by another bogus collection agency.. whom I've also researched and has in the past and is currently being sued by several people for this very same reason. The credit bureaus need have advanced screenings and be more careful when handling consumer information by not letting any and everyone report anything at anytime they feel without proper validation and verification. This is getting to be frustrating to continue going through this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.

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 2018-02-28
Company: Sierra Holdings LLC
State: IN
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 was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
We're sorry A condition exists that prevents us from being able to accept your request at this time. If you are trying to contact us from within the United States, please try our toll-free request number at XXXX XXXX XXXX XXXX. 

Alternatively, you may submit your request in writing by downloading the Mail Request form available at www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/. 

Please visit this website again at a later time. 

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 2021-03-15
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a resold debt from 2012. This debt is over 7 years old. It was taken off my credit report the first time due to inaccuracies as I worked for XXXX and was not charged the employee rate. The first collection was a different amount. Please remove this very old debt that is over the statue and prevent from attempting a false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Nicholas Financial Inc.
State: IN
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 was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For more than two years, reporting this account as fraudulent, firstly through XXXX, through Synchrony and through XXXX XXXX with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Walmart account # XXXX fraudulently opened XX/XX/XXXX, with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that XXXX XXXX and Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / 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 non-monetary relief
Consumer complaint received 2018-07-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I disputed information on chexsystems   in regards to suspected fraud activity being reported by XXXX XXXX XXXX Missouri from XX/XX/XXXX. In XX/XX/XXXX I had my bank card and old checks from an old XXXX account stolen I reported my card stolen but at the time unaware that the checks were gone. Two checks were deposited at an atm to my account and the account was closed due to suspected fraud activity. I have since cleared this issue up with XXXX and reached out to XXXX XXXX XXXX after receiving copies of a signature card bearing my signature as well as checks from my account bearing my signature and the stolen checks bearing what is deemed as my signature, I spoke with a rep on XX/XX/XXXX who transferred me to a rep in the fraud dept who stated she was unable to handle and that I needed to speak with someone in risk department who stated that I once again needed to speak with fraud dept., None of these reps offered for me to send the documents I had nor did they look into any documents they may have had. I am just looking to have suspected fraud activity removed from chexsystems and XXXX XXXX XXXX. Thank You in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one froze my account say there is a fraud investigation against me.i contacted the sba and they said that my account is in good standings that they don't have any idea why capital one would be doing this. I've called serval times to be directed to a voice mail service. They have every XXXX I have froze up and will not release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Guidiville Indian Rancheria
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Reference is made to Account Number XXXX for the amount of {$300.00} opened on XX/XX/XXXX. 

On XX/XX/XXXX I made a Interest cost payment of {$90.00} On XX/XX/XXXX I made a payment of {$200.00} on the Principal amount with a {$90.00} interest cost. 

Today, XX/XX/XXXX my account balance shows an incorrect amount of interest cost that is due on XX/XX/XXXX. Specifically, after calling Customer Services Representatives this Loan Company is unable to tell me and post the correct amount due which is a Principal balance of {$100.00} with a {$30.00} Interest cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: DE
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:
UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Merchants and Medical Credit Corporation, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started a business and opened a checking account with XXXX XXXX  in XXXX. As condition with my Board, I opened also a gym membership early in XXXX to mitigate a XXXX process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. 
The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XX/XX/XXXX/XX/XX/XXXXfor an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to MER-Merchants & Medical Collection XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. 
Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my business has been severely damaged. A {$6.00} XXXX dollar investment into my business has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this XXXX XXXX event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. 

The address for the above account at XXXX is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address for the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Nelnet, 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: Account status incorrect

Complaint:
I was granted payment relief and forbearance of my federal student loans with Great Lakes due to a loss in income. The way that this was reported negatively impacted my credit score. I  contacted Great Lakes and was told that I needed to contact the Consumer Reporting Agency to have it corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions 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:
Experian is reporting incorrectly a past due amount of {$50.00} for XXXX XXXX XXXX, partial account number XXXX. I paid this account in full with a cash payment that was never credited to the balance due. This incorrect reporting is harming my credit score.

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 2020-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XX/XX/XXXXXXXX i notice some unusual transactions so i immediately call bank of america to find out what is going on and where is my money. i was told that due to a system glitch and just to wait. i file a claim on the XXXX my claim was close due to my account being one of the thousands that accounts were frozen. i call edd and they said my account was good it wasnt fraud and that it was bank of america. so i call bank of america and waited hours and getting hung up on finally got through to someone and was told claim was automatic close due to my account being frozen. so i explain to the lady that XX/XX/XXXXtold me my account isnt fraud. we argue back and forth so she transfer me to a supervisor and i ended up waiting over an hour just to find out the superviosr was in a different department and couldnt even help me except told me he will put in a complaint on my behalf. so i call bank of america back everyday to check my claims and was told all these lies and gave me the run around. all the employees gave me attitudes and talk to me like i was XXXX. i just want my money and im behind on my bills. today is XXXX the XXXX and nothing is resolved. i dont know what to do at this point. please help me get my money back. my dad just pass away XXXX XXXX i just need my money back.

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 2021-02-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with many people at XXXX, XXXX, XXXX XXXX XXXX, XXXX regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XXXX. In XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XXXX, I am being informed by XXXX, XXXX, XXXX XXXX XXXX, XXXX I owe over {$14000.00} on this judgement from XXXX and the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-09-12
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:
This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on 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