BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation no help from consumer services please help me just the them removed 3 inquiries   XXXX   XXXX   and  XXXX  I need them to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I called Bank America customer line to let them know the past due and due amount were coming and to document. The person said " I can do one better how about 4 more months? '' I was tricked into a fake extension and even thouch I received no phone calls or letters, when I went to pay the agree upon time and amount, the bank would NOT take my payments and refused to take any additional payments. I was set up to default and set up to not be given a way out. Ultimately in XXXX they foreclosed and dismissed in XXXX ( florida ) then in XXXX my loan was sold ( even though it wasn't legal to sell given in was an in house loan not conventional mortgage, to rushmore. They filed foreclosure again despite statute of limitation expiring twice and won due to bad judge and bad defense.

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 2017-04-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On  XXXX / XXXX /  XXXX   I submitted an online dispute for a account I have 'No Knowledge ' of and On  XXXX / XXXX /  XXXX   received email dispute was completed without results. However, when accessed credit report on  XXXX / XXXX /  XXXX   and item is still showing  'Under Investigation a nd I should have my results soon '. I 've attached a copy of credit report to support complaint, the item in question is the very last item in the attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered the error on my credit report and disputed it through the three credit reporting agencies. However, XXXX has refused me to dispute the error through online portal, and the phone representative informed me the items, such as balance error, are not disputable. Trans union has taken more than 30 days and the dispute is still under investigation. As well as XXXX, not only has taken more than 30 days, but also didnt change anything from the previous dispute.

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 2019-10-21
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Regarding CFPB Complaint # XXXX The company has STILL failed to provide proof showing that the IP address belongs to a device at my residence!!! " The sales draft provides the IP address of XXXX which is linked to the location in which you reside. '' What sales draft??? " The enclosed document has been redacted to protect private information such as account and other confidential data. '' What document?!? All they've provided is the following!! " Enclosures : Sales draft Letter dated XX/XX/XXXX Merchant IP address confirmation '' Really?!?!?! And if they're referring to the sales draft that XXXX showed them.. Again -- Not sure how many times I have to bash this into their thick heads ... XXXX has had it out for me, as it is on record they have already lied to Chase and showed fake documentation regarding a seperate dispute from me, as well as Chase eventually permanently crediting my account because they realized they lied and showed fake documentation!!! And it was shortly before this dispute!!! It is also on record, that months before this fraudulent purchase, XXXX banned me from making future purchases, and flagged me in their system so that I nor anyone in my household could create an account!!! Aside from this, acknowledging the purchase on my account was fraudulent via the email they sent me, and agreeing with fake documentation from XXXX, this is completely unacceptable!!! And I am NOT having it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Please removes these accounts as soon as possible Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ARE RECEIVABLES

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 2019-12-24
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company I am submitting a complaint about is PayPal. This company denied a dispute I had regarding a {$150.00} transaction for an order I did not receive. The order was placed on XX/XX/2019 with a company named XXXX XXXX XXXX. I was informed of tracking info that I would receive shipment on XX/XX/2019, but shipment was not received. Upon working with XXXX to recover shipment, XXXX informed me that the tracking number associated with the package XXXX XXXX XXXX claimed they sent to me was erroneous. XX/XX/XXXX tracking information indicated that the shipment went to a different address than the original order and that it was signed for by a person that does not reside at my single family residence. I informed XX/XX/XXXX by email that I did not receive the shipment and that the tracking number they sent me did not match. I filed a dispute with PayPal online on XX/XX/2019. PayPal claimed that they contacted XXXX XXXX XXXX and that XXXX XXXX provided proof of delivery. It is quite apparent that PayPal did not contact XX/XX/XXXX in this dispute. I believe that PayPal only did a cursory check on the XXXX tracking number and did not verify whether the tracking number and tracking information was correct. This is an incomplete and unacceptable investigation on PayPal 's part and thus PayPal has failed to protect a long-time customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX of this year, I contacted Equifax concerning the illegal tactics that XXXX XXXX was using to attempt to collect money I have no knowledge I owe. The account number of the XXXX XXXX isXXXX. I requested that XXXX XXXX send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that XXXX XXXX is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from XXXX XXXX that it has reversed itself. 

XXXX XXXX can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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 when to make a purchase at a store and they offer me a 20 % discount if I apply for their credit card, when the report came back it was showing some accounts that were no mine, that as when I learn that my identity was stolen and my name was used to create fraudulent account in my name, this report is the first step to document this incident and hopefully the start of cleaning my name. Also an FTC report was filed containing the detail of these accounts, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

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 2019-10-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates are reporting 6 accounts on my credit. I called them on XX/XX/19 at XXXX to verify this debt because I have never heard of XXXX XXXX XXXX . I spoke wit XXXX XXXX Id number XXXX. Upon speaking to her I learned that the amounts being reported on my credit are incorrect. She was unable to verify 3 of the accounts with any information and all 6 have different information than what is being reported on my credit. I requested to speak with a supervisor and was denied. This negatively impacting my credit with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I recently got a call from capital one company saying I owe them money. I told them I never open the account or anything with them. They told me the account was open XXXX  and now I owe XXXX XXXX dollars. The fraud person used my name and Identity information to open a credit card. The fraud use their address though. So statements would sent to that address. I told the agent I never lived that address. I need to dispute this. So now I'm in the process of dispute my debt collection and need proof that I'm being hurt and need to get this solved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my 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 2017-04-21
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Second complaint on  Ad Astria Recovery Services.  We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How di d Ad Astria s end a letter verifying my 30 days on the debt on   XXXX     but placed the actual debt without verification on my report on  XXXX ? Since I have filed this compliant Ad  Astria  has placed this on all  3 thr  ee  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   XXXX   XXXX  for fraudulent and misuse of Texas  Debt Act  and violation of my privacy by contacting and sending my personal information to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: EQUIFAX, INC.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$30000.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$960.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: OR
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Continental Finance Company, LLC
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: Information belongs to someone else

Complaint:
I am a victim of idenity threft. my federal trade commission idenity theft record No. is XXXX I XXXX XXXX did not make any applications to XXXX XXXX XXXX XXXX XXXXXXXX. 

YOU HAVE MY MAIDENN NAME also that is fraudulent activity. 

I was written off with a form letter.

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 2020-04-21
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2020 payment of XXXX $ was submitted to Chrysler Capital as a settle in full offering and was advised that this will be deleted from my credit report since the account was considered Paid In Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Some one applied to open a XXXX XXXX XXXX credit card under my name. The application number is XXXX. XXXX  phone number is XXXX. I contacted XXXX they are reporting as credit 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