BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my  credit score  report from Experian, it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, m y credit score was  excellent.

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 2022-09-14
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a lender that took advantage of me as a young man. They got into a high interest rate that compounded daily before I even understood what that meant to help a friend. They did so because the dealership convinced myself and my friend that I was able to be the primary and he would be able to refinance it without me without my help. Needless to say the coborrower is late on their payments and has been for the entirety of the loan leave they refuse to give it up the truck and last I heard santander sold the vehicle or sold the debt. When I heard about this I began looking into into if it was true and found out about a lawsuit with the XXXX towards them for predatory lending. When I brought this up the other chat system they changed it on my credit report from a from a charge-off bad debt back to showing a high balance. Which is inaccurate because they have also sent me a letter telling me that I could pay a portion of that and and settle. I recently spoke with a financial adviser who told me that that was not allowed and that because they have it on my report wrong they are forced to remove it. They also advise that I contact a lawyer as as the situation sounds like the lender trying to pull a fast one for anyone catches them. The lender in question is santander consumer USA who is in the middle of a multi state lawsuit for the same practices being done on me. I would like to know if there is anything I can do to get this off my credit report and get these people to leave me alone because they have harassed me for years despite me telling them over and over again that I do not possess the vehicle. They also make neglected to inform me of the lawsuit they are currently under and I believe they are trying to use the fact that they never had my contact info on there as a way of getting out of responsibility of that. As the coborrower chose to leave a address they have not lived at XXXX a number of years on the account. Meaning that any mail regarding the situation would have gone to that house, effectively guaranteeing I would have never heard about it. Though this did not stop them from harassing me relentlessly whether I was at work school or indisposed. There was a period of time last year or the year before where my phone went off every day. [ XXXX approx ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I asked by certified mail, telephone and online for transunion to remove the middle initial XXXX from my name. Starting in XXXX, it is still incorrect. I ask them also for my credit score they stated I would have to pay to get it. I recently opened a new credit account, removed a collection account and paid down my revolving accounts to {$17.00}. Trans union dropped my credit score by 111 points, the other two agencies dropped it by an average of 35 points.

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 2017-06-03
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 belongs to someone else

Complaint:
I am filing this compliant against Equifax. I have tried to address this issue several times. These accounts are fraudulent and do not belong to me. I have tried to resolve this issue by disputing the inaccurate information by phone, mail, and online. I am going to contact the BBB as well as filing a class action lawsuit against Equifax if this issue persist. These accounts should be removed immediately upon receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I'm trying to repair my credit karma and they told me thru there app that I had an EXCELLENT CHANCE OF getting secured credit card from XXXX XXXXXXXX to help and assist with building my credit which I was turned down for and it hurt my credit and put me in a worst place it was FALSE ADVERTISING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I purchased {$400.00} of XXXX ( XXXX ) using the Venmo app. I accidentally purchased on there thinking it was XXXX. A few days later when I realized the error I tried to sell it to convert to cash. When I am prompted on a screen to enter my SSN # then hit " done '', I receive a blank screen and nothing else. 

I uninstalled and reinstalled app, tried using on someone else 's phone but to no avail. I reported the issue on XX/XX/XXXX and on XX/XX/XXXX I rec 'd an email suggesting I perform a bunch of steps to see if it helped. I tried and again, nothing. When I wrote back I provided screen shots, details of every action step taken etc. I was finally told there may be a bug. I have written three times since and have NOT REC 'D A REPLY. Today, ( XX/XX/XXXX ) I called and was told it's a known issue w/no ETA on a fix. 

I explained I have since lost {$70.00} since the time I tried to sell and today. They told me there is nothing they can do, period. This is INEXCUSABLE they've known about this issue for months ( I was told ) and don't have a solution!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First found out that I had a collection through checking my credit  XXXX . It was  XXXX  and they claim I owe them {$90.00}. I asked for them to send me the original bill, because we do n't have  XXXX . They never did, so I called and told them that the address that they claim I owe them for I never lived there, so they removed it from my credit report. then  XXXX  again but now it is through  XXXX , had to go through the same thing and they removed from my credit. Again  XXXX  and  XXXX  through SOUTHWEST CREDIT SYSTEMS , L.P . I asked to see the original bil on  XXXX / XXXX /  XXXX   and they hang up, I call back and they give me a different excuse and hang up. then they call and harass me to pay.SEND ME THE BILL but yet again they do n't and tell me to contact  XXXX , which I have but they will not send me the original bill. I want this nightmare to end and to have this collection taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the E-Oscar system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or E-OSCAR!

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 2021-05-17
Company: EQUIFAX, INC.
State: AZ
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:
1. I don't know who this account is? 

2. I have disputed this with equifax and the company, nothing has been sent to me showing that this account is valid. 

3. This is hurting my credit report as it shows to be derogatory on my credit. 

4. The balance shows {$0.00} 5. The company is reporting the status of the account as Current. 

6. The company is reporting the Credit Limit as {$0.00}. 

7. The company is reporting the account as being charged off and suspended. 

8. The company is reporting the Date of Last Activity as XX/XX/XXXX XXXX. The company is reporting the Last payment as XX/XX/XXXX. 

10. In the payment history the company is reporting Payments made : XXXX - XXXX XXXX - XXXX XX/XX/XXXX All this information is contradicting itself, and looks like fraud. I have no information on this account and I don understand why Equifax is choosing to allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Information belongs to someone else

Complaint:
Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on my business and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.

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 2017-06-08
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 belongs to someone else

Complaint:
The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from  XXXX , it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX. 2022 JCPenny CARDS Recently the card company decided to reduce my credit limit on my card resulting to a drop in my credit score. I wasn't given a notice, I have no late payments, theres no outstanding balance on the card, and I used the card over a year ago and paid the balance off. What makes matters worst I called for a credite increase several times with no good explaination. The bank service Synchrony has several accounts with me with high credit limits. But JC Penny refuses to increase my limit.

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 2021-05-18
Company: Michigan Mutual, Inc.
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Started a Construction Loan process through XXXX XXXX XXXX XXXX in XX/XX/XXXX - Office XXXX XXXX - NMLS : XXXX. Construction loan was finalized through Michigan XXXX - XXXX XXXX XXXX, HomeStyle, & Repair Escrow Disbursement XXXX Michigan XXXX XXXX Galleria XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XXXX Fax : XXXX On XXXX we closed the loan process and received a check for XXXX roughly out of the XXXX we had for the construction loan. We were told at that time that XXXX XXXX XXXX  XXXX / XXXX XXXX would work with XXXX XXXX ( XXXX  ) to finalize the paperwork on XX/XX/XXXX so that I would receive the remaining {$110000.00} funds from the construction loan before XX/XX/XXXX. 

Now, in working with XXXX XXXX it doesn't appear I will be getting the funds - I must note, I have a mortgage that includes the full XXXX of which XXXX is still not been distributed to me. I keep getting jerked around on why I'm not getting them. I just don't know where to begin and certainly easier to tell the whole story verbally. I can be reached at XXXX XXXX XXXX. 

Appreciate your time and help!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from XXXX XXXX XXXX stating a debt to Velocity Investments , LLC in the amount of {XXXX}, dated XX/XX/1996. My correspondence to them was, on a form that they provided, that I did not owe this debt and have no knowledge of this debt or Velocity Investments , LLC. XXXX insist that I provide them with Affidavits, Police reports that include my SSN, Drivers License DOB and Addresses. This debt appears to be 26 years old and uncollectible after 7 years from the date of the last payment. It was suggested to file a complaint with ( CFPB ) Consumer Financial Protection Bureau and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
on XX/XX/2020 i called my freedom chase credit .regarding why i was late for the payment of the month of. XXXX .i told them i was out of the country that i was going to pay my credit card. and i did on XX/XX/XXXX after i paid XXXX next day they decrease my credit limit from XXXX to XXXX! i think is not fair i always paid my card. i called many time to fix this problem and restore my credit line, but they are using that i have collection with XXXX for XXXX dollars.when i applied for this credit card that was there already, and i don't have delinquent account with chase .i think this no fair or even legal to that to a person .my concerning is my credit score will get affected. i want to restore my credit line after i paid that big amount. when i call before customer service told me not to worry about it that i just have to made a payment of XXXX on XX/XX/XXXX. but i paid XXXX cause i really want it to have my credit line up to date .am really confuse i think this is not rigth. thats why am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received written verification of debt called repeatedly ring twice hung up violated fair debt act they will not work with you all they want to do is garnish your wages there above the law judge don't care they violated the fair debt act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit reporting Act XXXX XXXX, XXXX XXXX has violated my rights. 

15. U.S.C 1681 section 602 A : States I have the right to privacy 15. U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account with my written instruction.

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
The item currently in dispute is a XXXX that was issued in my name without my knowledge by XXXX. The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from XXXX, it stated that this account is scheduled to continue on record until XX/XX/XXXX. I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XX/XX/XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXX, I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on XX/XX/XXXX, as a follow up from my phone conversations with their representatives that took place on Friday XXXX, XX/XX/XXXX and Monday XXXX, XX/XX/XXXX. The purpose of the phone calls and letter was to continue my dispute of the fraudulent XXXX and to advise them that the information from their investigation is inaccurate. I am requesting that XXXX, or its affiliate agency, XXXX XXXX XXXX, or collection agency, XXXX, remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.

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