BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over XXXX credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am no longer disputing 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 2020-02-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't know this account. I never opened this student loan. The company claimed it was from California. I have never lived there and did not take this loan out. I do not owe this debt. 
Experian is the only company showing I owe this debt and they would not help me either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was lost/stolen when I was in XXXX XXXX, Nevada and was charged many times without my consent. I reported it stolen within 6 hours when I realized it happened. I talked to my bank and they had already shut my card off due to the amount it was used and said the dispute would be settled in 7-10 days. It was not settled within that time frame. I subsequently was charged over draft fees on top of the money that was charged even after I reported it stolen. I reported it stolen XX/XX/XXXX and talked to them on XX/XX/XXXX when my issue was still not resolved. They proceeded to tell me the dispute could take up to 90 days. I talked to another person on XX/XX/XXXX and they said my money would be returned by XX/XX/XXXX. My account was not corrected on that day and I received a letter on XX/XX/XXXX stating that based on their evidence that I authorized those charged which I did not. The bank letter is dated XX/XX/XXXX but I did not receive it until the XXXX. At my local branch my mom talked to the bank manager on XX/XX/XXXX and that I was not getting my money back and I would be getting a letter. I never received a phone call this entire time from the bank when they said they would be contacting me for further questions or information. Even with the letter I received stating the charges I was disputing was incorrect also. They only had maybe half of the charges. 


I have 24 unauthorized charges to XXXX XXXX in XXXX XXXX, Nevada totaling {$980.00}. I have another 4 XXXX charges in XXXX XXXX, Nevada totaling {$91.00}. One charge to XXXX XXXX at {$13.00} and another to XXXX XXXX at $ XXXX.Due to all of these unauthorized charges I have 9 overdraft fees totaled at {$260.00}. I am disputing a total of 30 charges for the amount of {$1100.00}. Also I am disputing {$260.00} in overdraft fees. That would be a total of {$1300.00} that I am disputing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source Receivables management Is still engaging me concerning a XXXX and now defunct XXXX bill where a XXXX  manager did a fraudulent transaction on a XXXX  XXXX stealing the phone and not paying XXXX. This transaction was just before the merge this is well documented. Now they ( source receivables management ) are sending letters and demanding payment for XXXX $ I want this issue resolved I will not pay this fraudulent bill the letter states sending in a police report stop with the nonsense they know I dont have a police report but the companies DO HAVE RECORDED CALLS so they need to reference those calls and source receivables management needs to stop harassing me and get those calls and transcripts from XXXX. This on/off my credit report is annoying for literally years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2006 I have contracted the purchase of two 5 family buildings four mortgages were established two main accounts and two piggy back accounts. XXXX M & T Bank raised the interest rate from 9.5 % to 11 % without any contractual basis, furthermore I have requested a payoff to potentially pay these mortgages off they were charging me charges which seemed unlawful such as recording fees, other funds due ( which are not detailed ) release fee, and a payoff letter fee all of whom are illegitimate and not contractual. They are not willing to show me any legitimate documents that allows them to request these high interest rates which I have been paying for 14 years with no incidents, or request these payoff fees. M & T has really engaged in a racketeering enterprise.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00}

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 non-monetary relief
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) U S DEPT OF ED/XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) U S DEPT OF ED/XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-04-01
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-17
Company: AXOS FINANCIAL, 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:
The bank Axos Bank has done a hard pull on my credit dramatically reducing my credit score for such a small inquiry. They have done so without my authorization, permission, or knowledge they even existed. I have complained through their email portal, to their customer service email ( which I never got a response back ), and on the phone to at least 6 different agents. I have spent over 3 hours on the phone with different members of the company, each of which has told me something different about how they would send it to the " right department '' and that I would receive a call in a few days. I have been calling them for over a month and have never received a call back once despite having been told 3 separate times by 3 individuals ensuring me " that they figured it out. '' This bank is clearly fraudulent and their XXXX reviews with a 1 star rating overall demonstrate that. I will be complaining on XXXX and filing a complaint with the BBB if this is not resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Resurgent Capital Services L.P.
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 have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-17
Company: Hillcrest Davidson & Associates
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
to whom it may concern. I'm writing looking for relief of an incorrect bad collection account on my credit report. I have no idea who or how it got on my credit, and was not contacted by anyone pertaining to this account if was accurate. 
account name, HILLCREST DAVIDSON & XXXX date open XX/XX/2022 SAYS : past due as of XX/XX/2022 amount {$1700.00} can you please launch an investigation this is holding me back and may not be accurate. The Fair Credit Reporting Act. 15 U.S.C sec 1681i ( a ) ( 1 ) ( a ) I was pleading for an investigation.

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
For over 15 years an accounting errors from the SLS company have not credited my account with the pay down accurately.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-12-02
Company: Chime Financial Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX was the start date of the dispute and amount is XXXX and chime kept closing all my disputes up until now and sent them everything they said like police report of my old phone being stolen that had chimed logged in and just sent chime all the tracing numbers and sent them all the merchandise and amounts and they still been closing all my cases since XX/XX/XXXX until no and thy told me XXXX and XXXX i would get the number never got it so they been lieing since XX/XX/XXXX and XX/XX/XXXX this year and still have yet received the XXXX from transferring it from pua unemployment to chime and when i did the transfer it never went on my chime account and didnt go threw but yet my money left my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint bbagainst IBERIABANK for using a false debt to income ratio to deny my application for a home equity line of credit.The response letter is further evidence of what I experienced. This bank will not explain what their criteria is concerning debt to income ratio, and how it is calculated.They have now changed the reason for the loan denial to lack of verifiable income.This is also false. My XXXX per month income was verified by a signed IRS form XXXX ( request for transcript of tax return ) signed by my wife and myself. And the monthly debt payments of less than XXXX was verified by the credit report.There are no inconsistenciesregarding the hand written tax return. Banks use form XXXX to verify that all information on tax returns are accurate. Finally a bank can not consider income on forms XXXX as unusual, And refuse to count it as actual income. All of these falsehoods ; and changing the original reason for denial ; to lack of verifiable income, is more evidence of my original thoughts. I believe the real reason for denial was age discrimination.

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