BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: Exeter Finance Corp.
State: MI
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 traded in my XXXX XXXX to XXXX XXXX of XXXX XXXX, MI in XX/XX/XXXX. They requested a payoff from Exeter and issued a check and I recieved my new vehicle. For some odd reason 2 years later my credit is being terrorized with 30 & 120 Day lates. Each time Ive called them they admitted to the mistake and said it would be corrected in 30 days to no avail. They have damaged my credit profile and reputation. Each time I've attempted to dispute it via Credit Reporting Agencies it comes back as accurate. 

This is my last attempt at resolve before taking legal matters into my own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: FIRST NATIONAL BANK OF OMAHA
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:
The FNB OMAHA during covid stopped sending mail to my location and never notified me. I missed payments due to covid related instances. They hit me with late payments on my credit. I have paid up to date and requested if they would take the negative marks off my credit since covid has impacted me. They refused.

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 2016-01-18
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
XXXX was the one that handles paying me {$100.00} after a gig, which leads to XXXX in order to claim the money. The card only has 6 month expiration date from the day you click to redeem which I thought it had a year. I am calling back at virtual reward center on the XXXX month they 've told me the card has expired and there are no way to access my fund which is still available at citiprepaid. Person I spoke with at citi was XXXX XXXX, # XXXX Both Virtual Reward Center and Citi said there is nothing they can do to access my fund, and they can not issue me a new card. Citi 's customer service is XXXX, and virtual reward center are contacted through email at XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions 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 requested that the company XXXX XXXX  XXXX, XXXX provide me with documentation that I owe them the debt that they are collecting for on XXXX and Experian. I have sent a response to them in reference to the documentation they provided on XX/XX/2022. They did not respond to this letter and have chosen to ignore the matter while still reporting erroneous information to my credit files with XXXX and Experian. I request that XXXX and Experian effectively remove this collection from my respective reports as they have failed to respond appropriately to my request on XX/XX/2022 and are violating the FCRA by doing so. See below for the claim I have submitted to XXXX XXXXt XXXX XXXX XXXX through the CFPB XX/XX/2022. 

In reference to CFPB claim XXXX and the documentation, I received on XX/XX/2022. The documents are unresponsive to my demand. I requested proof that I owe XXXX XXXX  XXXX, XXXX money. However, the documentation sent to me refers to an Internet, TV, and Phone company named WOW. I sent a letter to XXXX XXXX  XXXX XXXX XXXX on XXXX, requesting they provide me evidence that I owe XXXX XXXX XXXX XXXX money. If they can not provide such documentation, they should remove the erroneous collection from my credit file with XXXX and Experian. They chose to ignore this letter and did not respond. I am now invoking my right to have the account this erroneous collection removed/deleted from my credit file with XXXX and Experian. I have not been provided proper documentation showing that I owe XXXX XXXX  XXXX, XXXX anything, and they have not responded to my letter for over 45 days.

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 2020-03-17
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a mail regarding {$36.00} debt from US Asset Management Inc with original creditor XXXX. The recipient of the letter is not exactly my name, but has my first and last name switched. I currently have an active XXXX account with recurrent auto monthly payments. I do not own the debt as my XXXX account has XXXX balance. The mail looks freud or error to me as a company does not send outstanding balance to debt collector when there is an active account in good standing. In addition, the debt is not under my name and should not be mailed to my address. I called the company but could not reach a person after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is illegally reporting XXXX accounts that passed thethe 7 year reporting period and XXXX accounts shouldbe deleted immediately.I have disputed XXXX accounts. 
these XXXX accounts have surpassed the 7 year periodXXXX ) XXXX XXXX XXXX - # XXXXThis account was to be removed XX/XX/XXXX 
Experian re-aged to be removed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - # XXXXThis account also is illegally reporting after 7 yearsand should be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX from VENMO at XXXX stating that an attempt to sign into my account from a new device or browser. 
XX/XX/2021 XXXX XXXX EMAIL from VENMO that a new debit card ending in XXXX has been added to my venmo account. ( Come to find out thru further investigation that this was linked to XXXX XXXX  and the name XXXX XXXX XX/XX/2021 XXXX XXXX email from venmo stating that an instant transfer of {$550.00} FEE of {$5.00} WHAT YOU'LL GET {$540.00} CARD-XXXX  XXXX DEBIT ... XXXX Transaction ID XXXX XX/XX/2021 XXXX. email notice from venmo Transfer from my VENMO account attached to my bank debit to XXXX XXXX in the amount of {$1000.00} XX/XX/2021 XXXX XXXX Email notice from Venmo transfer from my venmo account attached to my bank account For {$250.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL NUMBER AND PHOTO ID TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a XXXX of XXXX XXXX. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
JPMCB Card Services XX/XX/2022. Someone tried applying for credit card. Received letter in mail stating I wasnt approved for card. Did not apply for one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I filed for bankruptcy in XX/XX/2010. I have a Macy 's credit card, which had a zero balance at the time and was not included in the bankruptcy. XXXX is reporting that it was charged off in the bankruptcy with XXXX credit limit. I disputed that. XXXX responded that Macy 's was confirming that their reporting ( bankruptcy ) was accurate & gave me the Macy 's # to follow up. When I called Macy 's they said that the XXXX information was totally inaccurate and that I would not have a Macy 's account if it had been part of a bankruptcy. That credit card should have a perfect score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
Transunion removed the credit history of a paid off vehicle that I asked to be corrected not removed.

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 2021-01-12
Company: Paramount Recovery Systems, L.P.
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:
I have notified in writing and over the phone with both the creditor XXXX XXXX  and XXXX XXXX  personal on multiple occasions. I have informed them that this was for services performed for a XXXX XXXX  that I was not liable or responsible for and they filed an insurance claim against old expired insurance in which I was not required to provide for the child at the date of service! I was not present nor did i agree the use of that information or have I ever accepted this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
On XX/XX/2016 I applied for the Citi Double Cash credit card. I was told that for 15 months I would not get interested charged on purchases or balance transfers. This same information is posted on the Citibank website. I have only had the card for 2 months and the interest rate of 15.24 percent that I qualified has now kicked in after the fact I was told I had 15 months 0 interest. I would like to get some help as this seems to be false adversting. Thank you in advance for all your help

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 monetary relief
Consumer complaint received 2021-03-20
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2018 I visited XXXX XXXX XXXX XXXX and provided all copies of my insurance at the visit. Due to error on their end Ive been charged a debt that should have been covered by insurance.

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 2022-10-13
Company: LEXISNEXIS
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:
HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company LexisNexis Consumer Center too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the account balance with the credit bureaus. XXXX refuses to update the correct balance. My XXXX account # XXXX is being handle by XXXX XXXX XXXX ( acct # XXXX XXXX for which I pay on every two weeks and payments are submitted to XXXX. My current balance is {$6500.00}. XXXX continues to report the credit bureaus that my current balance is {$9500.00}.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Theres are 2 closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are 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 explanation
Consumer complaint received 2015-10-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I tried opening an Account with XXXX ... ..subject to approval thru Chex systems ... Check systems denied me ... The bank gave me Check systems contact information..I called Check systems and they refused to take me off their list..I told them I filed chaper XXXX, and all previous debts were discharged. Check systems told me I owed them XXXX ... I asked for what ... the agent had no response! They still have me on their list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
A car loan was taken out in my name some one was and still could possibly be using my identity to obtain goods or services, if filed a police report also reached out to the credit bureaus and still no result

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
Product: Other financial service
Sub-product: Check cashing
Issue: Disclosures

Complaint:
I went to XXXX in XXXX MS to cash my check my check was declined. I have been cashing the same check at XXXX for the past 5 years. I was given a code from Certegy I called their customer service they would not give me a reason but rambled on with different things but it was not specific on the reason. Certegy displays discriminatory evaluating a client when a person is cashing a check and has created a bad customer service for the XXXX Consumer. As of today 's date I have no idea for the decline and they would not tell me and verify the reason why. A few months ago I resolved a check that they said they would delete the check from their system as of today 's date it is still showing in the system as a bad debt and even though they deleted it from other agencies they are still having the same check in their system as not resolved and a bad check. They had already advised they were deleting the check and mark it as a paid and closed account but now they are alerting other check cashing agencies the same information and not deleting the check as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
IN XX/XX/XXXX I FILED BANKRUPTCY AND INCLUDED THIS DEBT NAVIENT WAS ON THE CREDITOR 'S LIST NAVIENT FAILED TO REPORT THE DEBT TO US TREASURY SINCE XX/XX/XXXX I NEVER REAFFIRMED THE DEBT NOW IN XX/XX/XXXX PAYMENTS ARE TAKEN OUT OF MY SOCIAL SECURITY NOW DEBT SHOW XXXX BALANCE ON NAVIENT WEBSITE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not receive any written notice in regards to this debt. I also dont every recall applying for anything in my personal name at the time given on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: RI
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 checked my report and noticed 2 account that are not mine. 1 ) XXXX XXXX and 2 ) XXXX XXXX XXXX. I also noticed On Experian 37 inquiries that i did not give permission for any of them companies to request my credit report. Also XXXX has 10 inquiries in which i did not give the companies to request my report and XXXX 5 companies. 
XXXX. 
1 ) XXXX XX/XX/2019 2 ) XXXX XX/XX/2019 3 ) XXXX XX/XX/XXXX, XXXX XX/XX/2019 5 ) XXXX XXXX XXXX XX/XX/2019 6 ) XXXX XXXX XX/XX/2019 7 ) XXXX XXXX XX/XX/2019 8 )  XXXX XX/XX/2019 9 ) XXXX XX/XX/2019 10 ) XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX All 37 inquiries

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 2020-10-13
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 spoke with XXXX XXXX supervisor at transunion XX/XX/2020 and elaborated to him that transunion was reporting an inquiry on my credit that I didnt authorize and I needed it removed he went on to tell me how he couldnt help me and told me me that I needed to contact the creditors I told them that I did by mail and phone they told me to contact transunion which I did at this point Im getting the run around and all I want is the inquiries I didnt authorize to be removed

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 2016-05-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to Dispute an item on my credit report ( s ) online. 
Online process said I needed a " File Number '' from the report to complete the dispute form. 
I had to " purchase '' the XXXX reports to get this required " file number ''. 
EXPERIAN charged me {$39.00} for the XXXX reports. 
HOWEVER, .... none of the reports had the required " # '' to file the dispute. 
I called them and they said the Charge was Non Refundable even though the reports were " incomplete '' / useless to me. 
Just more money grabbing and no means of recourse for the consumer.

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 monetary relief