BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: MIDFIRST BANK
State: OK
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:
On XX/XX/2022 my divorce from my ex-wife was final. She was awarded the house providing that she removed me from the mortgage and deed. She has also filed a financial release of responsibility to the company. Midland Mortgage has refused numerous times to stop reporting the mortgage loan under my social security number. Ms XXXX has also contacted the VA and has assumed full responsibility for the VA portion of the loan. This amount of debt still showing on my credit report is impacting my ability to purchase my own home. The VA has said that it should not be showing on my credit report. I don't understand how I can be removed from the loan and the financial responsibility of the note yet it still shows on my credit report. I can't call or access anyone because my social security number is not in their system. So then how and why are they reporting it? Any assistance in this matter would be greatly appreciated.

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 2022-01-28
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-06-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Good evening I was hacked on XX/XX/2023 in both my checkings as well as savings account. The total amount taken was {$3200.00} in 3 different XXXX  transactions from an unauthorized recipient named XXXX XXXX. I submitted 3 different claims regarding this fraud and received the same answer that my bank believes it was authorized by myself or someone who has access to my account. This is not the case, I submitted and provided screenshots and documents proving my accounts were compromised and put hours of work into this matter, missing work to do something my bank should be doing and that's protect my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
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 contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've have provided the bureau with an FTC Identity theft report, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ). I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, services, or for any other purpose as described in this report. I did not receive any money, goods, services, or other benefits as a result of these events described in this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Nelnet, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I contacted Nelnet to ask for an Income-Based Repayment Plan, and it was approved. I received a letter that stated that it would take some time to show on my Nelnet account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact Nelnet because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. Nelnet did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online Nelnet account. I spoke to Nelnet XXXX XX/XX/XXXX after receiving notifications that my credit score had dropped XXXX XXXX due to Nelnet adding a 90-day past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over 4 hours. They have ruined my credit score and I need it fixed. I was in the process of a loan, and now I am not able to. 
I need this fixed. I did everything on my part and they did not! Not only that, but I contacted Nelnet by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am currently unemployed, last pay check was XX/XX/21. I filed for unemployment, received my PIN to make claims. Filed first claim XX/XX/21 and received confirmation that it was being processed. Filed my second week claim on XX/XX/21, received confirmation that it was being processed. I have yet to receive any unemployment funds to my Bank of America account. I had multiple overdraft charges hit my checking account ending in XXXX. The first call to Bank of America was XXXX XX/XX/XXXX. They would not refund all overdrafts despite that Im unemployed and havent received my benefits. I was on that call for 57 minutes. That call was made at XXXX. The final Supervisor that I spoke to was XXXX. I have had overdrafts in the past and at no point did anyone tell me about Safe Balance Checking that charges a {$5.00} fee each month so I went ahead and switched over to that while on the call. Another overdraft fee hit my account. So I still have two fees totaling {$70.00} that have not been refunded. I just called Bank of America again today, Friday XX/XX/XXXX at XXXX, located in Arkansas . The second Supervisor I spoke to, XXXX, lied to me and kept giving me the run-around. She stated she was the highest manager there. I had to keep asking who she reports directly to. FINALLY, she said XXXX. I asked to hold for XXXX and XXXX stated that XXXX wasnt available. I said I would hold for as long as it takes. She stated XXXX doesnt speak to customers. I said I would hold for her. She ( XXXX ), then said that she can get XXXX to call me back as shes assisting other customers. I said I didnt think she spoke to other customers and she said she speaks to Clients ... I said I would continue to wait. I kept holding. XXXX said she would let me speak to XXXX, another Supervisor but not her peer. I said I would continue to hold for XXXX. She transferred me to XXXX even though I wanted and continued to hold for XXXX. She finally put XXXX on even though I wanted to hold for XXXX. XXXX said he couldnt assist me any further and WOULD NOT LET ME HOLD for XXXX and that he would disconnect the call. I said Im staying on until I speak to XXXX no matter how long it takes and XXXX disconnected the call. That call lasted for 1 hour and 18 minutes. Mostly on hold. I want the {$70.00} in fees returned to my checking and then Im taking my business elsewhere. Im not going to deal with a financial institution that deals in lies and deceit.

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 2022-01-28
Company: Experian Information Solutions Inc.
State: CT
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: Problem getting your free annual credit report

Complaint:
I am trying to set up the Experian account to get free credit report and credit monitoring as part of settlement. When I login, Experian says it will send a text message to my OLD expired HOME PHONE which can not even receive text, I can not choose the " Choose security Questions '' option as this is erroring out. A phone number is given to contact Experian and when I call, I can not reach a human being, the automated call response boldly states, either you deal with the automated option or disconnect, it is incredibly frustrating.

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 2022-08-12
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I just want to make sure that it is a legitimate debt collecting company. I paid them {$610.00}. there name is " XXXXXXXX XXXX '' Address & telephone number : XXXX XXXX XXXX XXXX XXXX, CA XXXX TEL : XXXX I paid them because they threaten to sue me and garnish my wages so I was afraid. I have tried to look for myself to make sure that it is not a scam and I am hoping that it is not but I want to make sure please. Thank you for your help with this matter. 

Sincerly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several pieces of mail to my house directed to XXXX XXXX. My former married name was XXXX, so I thought that maybe they just got my first name wrong ( my name is XXXX ). 

Upon opening it, I saw a large bill for XXXX XXXX. I spent an entire day calling back and forth to XXXX and to a doctor in TEXAS ( I'm in IOWA ) that this alleged bill was for so I can tell them this has nothing to do with me as I'm in Iowa and haven't been to Texas in 30 years and this is not my name. I also haven't been to the doctor in over a year because I was laid off due to COVID, so this definitely has nothing to do w/ me. 

They said to just ignore it if it isn't for me, so I did. I was sent bills in the mail on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I probably got one in XXXX, but didn't get a date and scan of it ) XX/XX/XXXX Then, collection notices arrived on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now, the collection showed up on MY credit report for this in the amount of {$1500.00} for the following creditor : CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX It says the original credit was XXXX XXXX XXXX. I am not the intended recipient of this debt and did everything in my power to tell them so before it ever went to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pulled my credit report and noticed that XXXX and Equifax were reporting a derogatory mark on my credit from XXXX XXXX XXXX. I sent a letter to XXXX and Equifax via certified mail ; disputing the validity of them posting this on my credit report and asked for verification that the debt was owed and that it was mine, as well as proving that I owed the debt from my wet signature and that all documentation be verified with my social security number, date of birth, address and phone number. XXXX wrote back saying they are unable to verify the information and that the information would be removed. It was removed from my XXXX report within 30days. Equifax simply responded by saying that the account was verified and that the amount was updated but the account would remain on my Equifax report. Per the FCRA, this is illegal reporting and is not considered verification of indebtedness by Federal or State statutes. We have been given specific instructions by our legal counsel, to file a complaint and send Equifax another Validation Letter before proceeding with a lawsuit. They have not been diligent in complying with the FCRA, Federal or State statutes and we seek to have the account removed immediately and an updated copy of the Equifax report mailed to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: I.C. System, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-11-22
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Vance and Huffman LLC. has continue to contact and harass me into paying a debt of {$770.00}, I have not given this company written consent to locate any information on my behalf ; also such communication from a debt collector is prohibited because I cease and desist all communication. Reporting this fraudulent information to the credit reporting agencies is in violation of my federal protected consumer rights and all information shall be deleted permanently from your system. XXXX USC XXXX XXXX XXXX ) XXXX USC XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Velocity Portfolio Group
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email stating that the company that purchased this debt CKS Prime uses ( XXXX XXXX XXXX ) which seems to be the company CKS Prime uses their accounts for a one-time payment of {$280.00} plus the processing fee, which was paid to this company on XX/XX/2023. They received this payment they agreed to as a paid in full payment and are now trying some XXXX XXXX to get more than the original amount was. I was only informed of this after requesting the account be removed from my credit report after CKS Prime got their payment they agreed to. CKS Prime seem to be trying to take advantage of people that are down on their luck and as CKS Prime will send out emails offering to settle for a onetime payment which seems to be false / flat out lying to someone.

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 2023-10-12
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fraudulent and Unlawful Practices made by Bridgecrest. On XX/XX/2023 assumed account status was confirmed by multiple Bridgecrest agents that account in question in now Paid in Full and Closed. On XX/XX/2023 it was noticed by me that this account was re-opened by Bridgecrest without any prior knowledge or consent given by me. I immediately contacted Bridgecrest regarding this issue and was told by another agent that account was considered Closed as Paid in Full but has manually been re-opened. I responded to agent that this was done without my consent knowing that prior debt has been considered discharged and to immediately close this account as Paid in Full. The next day XX/XX/2023 the account in question was Closed again. In a Breidgecrest response letter dated XX/XX/2023 I observed in the transaction list provided that transactions were showing Manually altered post dates of recent transactions made on XX/XX/2023 which resulted in Fraudulent Acts made by Bridgecrest. In addition to Fradulent Acts I was notified via CRAs that Bridgecrest attempted to verify a dispute knowingly having knowledge of account being discharged prior and also aware that car has been Sold on XX/XX/2023

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 2023-10-11
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter dated XX/XX/2023 in response to a validation request sent by me. The information was sent via registered mail. All requested information was not sent. The information sent was ( letter response, transaction payment list, a digital buyers order, and digital retail installment agreement ). It was requested that Bridgecrest provide e-signature verification that displays electric record of esignature showing date, time, IP address, and device used to sign the agreement ( Not provided ). The response letter and documentation sent is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response

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 2021-03-12
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
THE ACCOUNT LISTED IS AN ERROR AND MAYBE FRAUD. THIS ACCOUNTS IS HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNT IS NOT MINE, IT BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation