BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
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:
This has been a 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 non-monetary relief
Consumer complaint received 2018-06-16
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: Was not notified of investigation status or results

Complaint:
I had information removed from my Equifax credit report twice and they have sent notification that the information was being removed however within 2 weeks the information was placed back on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 been receiving mail that I have apply for credit which I havent an hard inquirys on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: FL
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 am requesting to remove the fraud alert on my Credit report. I've sent mail about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive been using PayPal for a while just to make money transfers to my friend, I did it a little more than often but they close my account after I submitted my correct info. I have XXXX in the account and I need it I can not wait 180 days tto get access to my money. Ive also done research and I Am not the only person this has happened to they have closed new and older accounts numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: AMERICAN HONDA FINANCE CORP
State: CT
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:
the car was taken away because of limit information when purchase from the dealer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: IL
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:
fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX on my credit Acct # XXXX is fraud.

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 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
on a previous complaint regarding the same account. After the bank brought this account positive by reversing a XXXX maintenance fee I find that it again was charged and again negative.

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 2020-01-21
Company: Stuart-Lippman and Associates, 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: Information belongs to someone else

Complaint:
Account is included in Chaper XXXX bankruptcy case number XXXX in the XXXX XXXX of Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : 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 2020-08-22
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account belongs to my uncle who has passed away almost 4 years ago. The amount XXXX is not mine and should be removed from my credit report. The owner it belongs to is XXXX XXXX which has passed away. I have disputed this on the credit report and santander usa has not ask for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Self Financial Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Very bad bank charging me interest when I have no balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/2020 XXXX : {$1200.00} Action : I requested to cease all collection activities if they could not show proof of validity and to verifiable physically the documents to show if it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-06-27
Company: Senex Services Corp.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This XXXX debt is not legitimate. It is for a charge that was taken care of by my old insurance. I have repeatedly asked for documentation but the hospital closed a couple of years ago and they will not give me any documentation. They continuously call my sister harassing her about this supposed debt that Im not responsible for!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: IL
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:
FILED FTC REPORT WITH COMPANIES AND THE CREDIT REPORTING AGENCIES THEY CLOSED THE ACCOUNTS BUT DID NOT REMOVE FROM CREDIT REPORTS THE ACCOUNTS ARE / US BKPT CT IL XXXX REFERENCE # XXXX US BKPT CT IL XXXX REFERENCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently obtain a copy of my credit report due to covid and noticed accounts i did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PNC Wont Allow Me To Link My Account With Other Accounts. XXXX, XXXX, XXXX All Say The Same Error Message. When I Call PNC They Dont Know Anything And Says Its On The Other Businesses End.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a credit card with XXXX XXXX which was paid in full by my XXXX XXXX XXXX they sold it to a another company which is XXXX XXXX and they are now trying to get me to pay that balance again plus they have added fees to it. Please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
sent police report id theft victim
also id theft gov 
ftc 
inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: United PanAm Financial Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On or about XX/XX/XXXX I received our 1st invoice from XXXX XXXX XXXX  on our XXXX vehicle we purchased we are happy with the purchase and the vehicle just not the hidden fees in this invoice dated XX/XX/XXXX it clearly states, there are 2 options provided on invoice website or call XXXX and underneath paragraph states " This service is free to XXXX XXXX XXXX customers ''. However when I called today XX/XX/XXXX they charged a hidden fee of {$7.00} processing fee for using phone service although paperwork states free???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$1200.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After reviewing the credit profile on XXXX, Jefferson Capital continues to furnish a collection from XXXX XXXX. Made several attempts to contest to contract and validate the signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The credit reporting agencies is not updated my credit file my car loan is not on all three of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$720.00} XXXX  XXXX {$240.00} DPT ED/XXXX XXXX {$4200.00}

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 2018-07-02
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is against Seterus. They verbally approved me for a forebearance until XX/XX/2018 due to hurricane Irma. Today I received a demand letter accelerating my mortgage.

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 2020-08-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX has a completely different reference # than the other 2 bureaus, Equifax is missing the date settled, all bureaus are missing the liability amount and status of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I went to XXXX to purchase a vehicle with 0 % interest and then purchased a 2nd vehicle for the same 0 % interest as well and then it was changed not to my knowledge to 7 % interest. I have contacted the company several times and they stated that what was on the contract and now refuse to give me documentation with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, 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:
XXXX XXXX is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: FL
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:
Equifax allowed XXXX to make a hard inquiry without my written permission pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted these accounts to XXXX  and Equifax for over a year now with Police report and FTC identity theft report. Still they have not removed the accounts from my credit report. XXXX  has deleted the accounts already. 
XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX acc # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my account and I'm unware of this debt and did not have the opportunity to dispute, so please delete. 
Also, provide the following if required : Assignment of debt Method of verification Validation of debt

Company response to consumer: Closed with explanation