BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX I called Experian company because I could not view my credit report. I found out that I have not received a report since XXXX. The customer service rep. stated that they do not have a report on me and instructed me to call my lenders. I did just that with my credit cards and was told that they report every month to all three bureaus.

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 2022-06-20
Company: Commercial Acceptance Company
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I received a letter from Commercial Acceptance Company about a debt collection from XXXX XXXX XXXX for an amount of XXXX. It stated that I refused to cooperate and pay the debt with request to pay within 5 days, but I I dismissed this as I believed it was a scam as I have not used any services at all and do not live anywhere near XXXX XXXX XXXX. 

Sometime in XXXX, the debt appeared in my credit report. I submitted a dispute with XXXX on XX/XX/2022 stating that it was incorrect, but the result were found accurate after that. 

I contacted the company and stated the information above and they said to submit a police report as this may be identity theft. I looked further in my credit report and saw incorrect name and a New Jersey address in my report which is very incorrect as I have never lived anywhere near New Jersey. With this I re-submitted the dispute with XXXX on XX/XX/2022 to remove the debt and to remove the address and name that was incorrectly in my report. They remove the incorrect name and address, but still stated the debt as accurate. 

I submitted the police report on XX/XX/XXXX ( I was on vacation so couldn't submit it beforehand ) and sent the letter to the collection agency sometime in XXXX. I also submitted an identity theft report. 

As of now I have not received any feedback from this and the debt is still in my report. Not sure what next steps to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
PLEASE STOP DENYING ME AN INVESTIGATION! 
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Transunion regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian is reporting inaccurate information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Social Security Numbers : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My family and I had a total of 4 credit cards through Capital One. 
One XX/XX/XXXX, we were alerted to a possible on my wife 's credit card for a {$400.00} cash advance. I told Capital One it this was not from her ... .this cash advance was attempted somewhere in NJ - we are in Southern California . 
On XXXX, we were alerted to 2 other possibly fraudulent charges on my card. One was for {$530.00} - XXXX XXXX and the other was {$320.00} - XXXX XXXX. Both in New Jersey. Again, we are in So. Cal and disputed these charges. 
On XXXX we were alerted to ANOTHER possibly fraudulent charge of {$230.00} at XXXX  in NJ. This was on my daughter 's cc. Again, not us. 
XXXX my son 's card was used for {$26.00}, again, not us. 
Capital One supposedly investigated these after our assurance they were not our purchases. My daughter 's and son 's were deemed indeed fraudulent. The original {$400.00} never showed up on a bill. The {$530.00} & {$320.00} on my card were deemed NOT to be fraudulent. Apparently because they said the actual card was used, and this they consider impossible unless OUR card was actually there. I can assure you we were not there. 
We called many times, wrote a letter, asked to speak to supervisors, and were told the case was closed and we were liable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dont know who this company is i have never done business with them, and its false information that needs to be removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Service ( CCS ) is reporting on my credit report that I have an collection account in the amount of {$260.00} that was supposedly opened on XX/XX/2019. I never applied or opened this account. This is an fraudulent account. I have make numerous request for proof and verification of this account directly with CCS to no avail. Again, this is an fraudulent account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a loan with 5th 3rd Bank. In late XX/XX/XXXX, I saw what my loan payoff balance was. The current payoff balance was {$2600.00}. I sent an electronic payment for that exact amount, and it cleared my checking account on XX/XX/XXXX. I logged into 5th 3rd 's website On XX/XX/XXXX to be sure that I didn't have a balance. I understand that interest accrues daily and with the XXXX XXXX 's holiday, it might take a little longer for my payment to clear. So I would have been fine with owing a little bit of interest. As an aside, most quality banks let the consumer know how long the payoff balance is good for, but they don't do that. 

When I logged into 5th 3rd on XXXX XXXX, I was able to log on, but there was NO account listed. I had NO account to check if there was interest owed. I took this to mean that I owed NO money and they closed the account. 

On XX/XX/XXXX, I received a piece of mail from 5th 3rd bank. I was expecting it to be my car 's title. But instead it says that I am LATE with my payment of {$12.00}. I logged into 5th 3rd immediately, and wonder of wonders, I had an account again. It said that I now owed {$2.00} interest and a {$10.00} late fee because the {$2.00} was due on XX/XX/XXXX. Clearly if I had known I owed additional interest, I would have paid it. But my account was CLOSED. They opened it back up to charge me interest and late fees. 

It is a matter of principle now. I don't owe them any more money, and I want my car 's title. 

Incidentally, I paid off a second car loan ( at a different bank ) at the same time. XXXX Bank thanked me for my business and sent me that car 's title within a month. I really don't like 5th 3rd banking practices, which was part of my motivation for paying off the loan. I wanted nothing more to do with them. And I thought I was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The bank continues to ignore my requests to access my loan and make timely payments. They will not call or email me back although I have requested it several times. I need to be able to access my loan information and make payments before late fees are accumulated.

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 2022-02-23
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was working with Lexington Law Firm 's and they told me that the amount of  XXXX  and  XXXX  was taking of my account but here it was n't off my credit, so i called Lexington Law Firm 's and they told me, for me to get any information i would have to pay again. A year i paid them  XXXX  a month and i cant get no help from them, what do i do to get the amounts of my credit that Lexington Law Firm 's told me they did ... .and how can i get my money from Lexington Law Firm 's since they didnt do the job that i paid them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: VA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
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 XXXX  XXXX, 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. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX, a nonprofit organization which I represent had an online subscription with XXXX which it later canceled because there was no activity. 
At the time the subscription was cancelled, the organization was not owing XXXX any money. 

Latter eBay sent fake invoice to XXXX XXXX XXXX XXXX XXXX XXXX Place, XXXX XXXX, XXXX, VA XXXX. They contacted me by mail dated XX/XX/2021 stating that I owed XXXX. 

On XX/XX/XXXX, I responded that I do not have any responsibility and disputed the validity of the debt they trying to collect. 

I received another mail again dated XX/XX/2021 from Allied International Credit Corp. Cover letter signed by XXXX XXXX XXXX Managing Coach. The envelope contained fake invoices. 

Again, on XX/XX/2021 I received another email from eBay with these words " Your eBay invoice for the period from XX/XX/2021 through XX/XX/2021 is now available to view in any web browser. '' XXXX is harassing me with fake invoices that I have no responsibility. As stated earlier, I do not have any active subscription with eBay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacted by Continental credit control in regard to outstanding balances owed.The original creditor is XXXX XXXX XXXXThere are 5 accounts total.When these accounts were transferred to Continental credit.Continental grouped them into one master account.I am trying to settle each one individually.However XXXX XXXX at extension XXXX informed me that they dont do that.I have made a few attempts to work with them.However have been unsuccessful.Since there is only one master account.I asked XXXX XXXX why 2 accounts were being reported to the credit bureaus.A solid answer could not be provided to me.I spoke to XXXX XXXX today in regard to this account.The total owed for these 5 accounts is XXXX.I asked her why 2 accounts were on my credit report since there is only one account.This is being reported inaccurately and I would like this resolved.Thankyou for your assistance.There phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have paid off my auto loan but on my credit report it shows I still owe {$15000.00}. That is so untrue and my credit report needs to reflect that the account has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2022-05-04
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 AM A VICTIM OF IDENTITY THEFT, VIA THE EQUIFAX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS EQUIFAX, XXXX AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJUSTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is a case that started in XX/XX/2019, was filed with the New York state attorney and FTC in 2019. This information was provided to the original plaintiff but this debt has been sold to a new Plaintiff Portfolio Recovery and they are wanting to us to pay this debt when its still under investigation. We received a letter from the New York state attorney that told us that this case was given to the FTC for investigation and that this type of case would take some time. I can provide the FTC case # is needed. 
This is a fraud case were Portfolio is asking for the sum of {$11000.00} I don't see how they have come up with this amount because this was fraud.

Company response to consumer: Closed with explanation