BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: GA
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:
Consumer reporting agency took longer than 30 days to respond to my dispute as well as other violations according to the Fair credit reporting act which is listed on the document i provided

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Last year in XXXX of 2019 I was fired from my employer, In good faith he offer to take responsibility since I couldn't afford to make payments on the car anymore. I have text messages proving that he ask me to call the bank for the payoff, but he change his mind I also have text messages proving that I ask him for the keys so I can call Ally Bank and turn in the car. In XXXX he text me and told me the car is in the shop but he never told me what shop the car is at??? I call and write to Ally Bank explaining the situation and mail screen shots of the texts but Ally Bank never reply regarding about what my former employer has done but they are reporting every month for miss payments. When Ally Bank is fully aware that someone else has kept the car hidden from me! I only receive one letter from Ally Bank claiming that they can't comment on what my former employer has done and the dispute is only between me and Ally Bank. But according to the Federal Rules of Civil Procedure there are rules that include an 3rd party or an non party.

Rule 14. Third-Party Practice ( a ) WHEN A DEFENDING PARTY MAY BRING IN A THIRD PARTY. ( 1 ) Timing of the Summons and Complaint. A defending party may, as third-party plaintiff, serve a summons and complaint on a nonparty who is or may be liable to it for all or part of the claim against it.

( 3 ) Plaintiffs Claims Against a Third-Party Defendant. The plaintiff may assert against the third-party defendant any claim arising out of the transaction or occurrence that is the subject matter of the plaintiffs claim against the third-party plaintiff. The third-party defendant must then assert any defense under Rule 12 and any counterclaim under Rule 13 ( a ), and may assert any counterclaim under Rule 13 ( b ) or any cross claim under Rule 13 ( g ). ( 4 ) Motion to Strike, Sever, or Try Separately. Any party may move to strike the third-party claim, to sever it, or to try it separately.

Rule 22. Interpleader ( 2 ) By a Defendant. A defendant exposed to similar liability may seek interpleader through a cross claim or counterclaim. 

Rule 71. Enforcing Relief For or Against a Non party When an order grants relief for a non party or may be enforced against a non party, the procedure for enforcing the order is the same as for a party. 

I written to Ally Bank regarding to theses Federal Rules of Civil Procedure Rules and Ally Bank has never reply?!

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 2018-07-07
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
As of XX/XX/2018 I have tried for the 1000th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! 

Again, I have tried to access my credit reports ONLINE since XXXX OF 2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: Go Capital Holdings, LLC
State: NC
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:
Engine went out while still making payments

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 2020-11-16
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have contacted trans-union various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and trans-union themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or grant any permission to these companies to run my credit. 

Hard Inquiries on Trans-union report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from XXXX report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my 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 2021-06-30
Company: WELLS FARGO & COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 2018-07-07
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
there is 5 accounts with RashCurtis & Associ acct no, XXXX for {$3000.00} acct no XXXX for {$2300.00} acct no. XXXX for {$1600.00} acct no. XXXX for {$410.00} acct no.XXXX for {$390.00} I reported to XXXX that these do not belong to me for the past 12 years and can not get them to remove them ... .. then XXXX   XXXX acct no.XXXX for {$220.00} then XXXX XXXX XXXX acct no . XXXX for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent a letter to who I believed to be the owner of the debt in question to validate said debt. Creditor responded by sending a " account summary report '' as opposed to what is required by law. 

On XX/XX/2018 I submitted letters to all three credit reporting agencies demanding that they remove the account attached to " XXXX XXXX '' from my credit report as inaccurate. I disputed this report because ( 1 ) the listed owner of the debt did not accurately reflect the entity attempting to collect the debt, and ( 2 ) the entity collecting the debt did not provide adequate information under FDCPA because they did not submit a signed copy of the contract from the initial credit provider. Subsequently, the account was removed from my credit report. 

However, about a month later, the debt was recertified on all three credit reports. I sent another letter to the entity that was attempting to collect the debt requesting that they verify if they were the owners of the debt, and if not, to cease and desist attempting to collect. I again was sent an " account summary report '' with no response to my further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: ARS National Services, 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 have contacted XXXX XXXX numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that thisaccount be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirementof creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract and/or identification used to open the account. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have requested such documentation from XXXX XXXX and it has not been provided. I also requested physical verification from XXXX XXXX, XXXX, and XXXX, all of which have not provided any sort. Somehow, these credit bureaus keep verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section 609 ( a ) ( 1 ) ( A ) of the FCRA. When asked about this, XXXX, XXXX, and XXXX XXXX personnel replied that they use the E Oscar system to verify debts. This is not acceptable. These credit bureaus keep verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer. This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi im XXXX XXXX from XXXX, im new user of this paypal i already sent my ID but my fault are i dont have any card to verify, i need this paypal for my work XXXX XXXX, but suddenly limitted account and i will wait for 180days to widraw my balance, please need help to consider my account if possible, cause i need this for my financial problem, i promise to open a mastercard for validation of account, this is my paypal email XXXX thanks in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I experienced a sudden drop in my credit scores. I requested a copy of my credit report and discovered negative remarks that were added on XX/XX/2021. The account with the negative remarks is an old closed account and has inconsistencies with all 3 bureaus. I submitted a dispute letter to investigate. A letter was sent back stating that the investigation was complete and verified as accurate, however, information unrelated to your dispute has been updated. I sent another letter requesting information on who was contacted, the method of verification etc, and was sent a second letter ( from XXXX  as well as XXXX XXXX ) with the very same, verified as accurate, however, information unrelated to your dispute has been updated. I have sent yet a 3rd letter certified with a return receipt requesting the same information via XXXX. My information has also been compromised and there are incorrect phone numbers and addresses listed. I am taking steps towards correcting this as well. All 3 bureaus have inconsistent information on this same account.

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 2021-06-30
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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, Discover Financial Services began reporting an alleged debt that they claim I owe to the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have informed the 3 credit reporting agencies that this debt is not mine and on XX/XX/XXXX XX/XX/XXXXsent me results from my dispute saying that Discover certified that the information belongs to me. 
1. How can a company certify that a consumer owes a debt and a company can not talk. 
2. A representative of the company can not certify that I owe a debt, especially since this is a consumer credit transaction. 
On XX/XX/XXXX, I requested by certified mail that Discover send me validation of debt pursuant to 15 usc 1692g and Discover did not honor my request. Instead on XX/XX/XXXX Discover sent a letter requesting that I provide them with sensitive and personal information that is an invasion of my privacy as a consumer. 
In the letter which is noted as Exhibit A, Discover violated 15 usc 1692b. ( 5 ) by including their logo in the mail content that they sent to my address at XXXX XXXX XXXX, XXXX NJ XXXX. Discover placed this account on my credit report and it is destroying my credit file and negatively affecting my personal life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
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:
Good Evening, I have been having an issue with the 3 credit bureaus reporting fraudulent information on my credit profile regarding XXXX XXXX XXXX I have called and sent in several letters with no resolution. I have asked several times for proof of the account listed on my profile. I have needed specified information and these companies are not able to provide. They only respond with letters stating the account is verified. 

I have asked for supporting documents and also how was the method of verification completed. Seeked out signatures, payment history, billing statements, etc. 

I have called on XX/XX/XXXX to XXXX  and Transunion. 
XX/XX/XXXX XXXX. XX/XX/XXXX to all three bureaus XX/XX/XXXX and XXXX to XXXX. 

Certified letters has been sent to each bureaus as well XX/XX/XXXX, XX/XX/XXXX, and latest letter XX/XX/XXXX. 

I have received written response form Transunion and XXXX. The letters in response just states the accounts have been verified but no evidence of that. XXXX  has no sent any responding letters. Only updated info online stating accounts accurate. 

I will attach screenshots of the account being listed showing inconsistent reporting and date opened date. Also different account numbers. Please reach out of any other is needed.

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 2021-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made.a payment of XXXX dollars to my capital one credit card on XX/XX/XXXX. The money was taken out of my bank account and has posted on both my bank account and capital one account. Capital One has put a hold on my card though until the Friday the XXXX, even though they already received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
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 was a victim of violent crime. I am not responsible for this account.

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