BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This was a mortgage refinance. I submitted payment to CIT bank on XX/XX/21 to the address provided and with the attached stub provided. The payment was cashed on XX/XX/21 ( but the stamp endorsement on the back shows a XXXX XXXX XXXX account number ). As of XX/XX/21 my mortgage account shows no payment has been received. I called the number for the bank ( CIT bank ), and the guy that answered stated that he works for " XXXX '' which does servicing for the bank. He stated that he could only confirm that no payment was received. He stated multiple times that he does not work for CIT bank, and he offered to transfer me to a number for CIT bank, which led to a circular automated system, which eventually hung up on me. I could not get a human being from CIT bank on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: MD
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:
When I investigated my credit report, I realized that this account was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}

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 2021-09-26
Company: Resolve Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied for an apartment and they used a Credit background agency Ive never heard of, RESOLVE and while inspecting the information I see several issues that are out dated, addresses I never lived at, account that are reported erroneous, I had a Idenity Thief case several Years ago. and I sometimes see issues that the people used to gain some kind of use. 1 ) there are many different name variations, I did not spell my name any different ways other than I use it. Because of this I was denied a Place to live. I have no Rental or Utility Companies default, I am widowed and worked to rebuild my self and I see companies like this looking to create bad reports. My issues are the many errors reported 2 ) XXXX XXXX ( XXXX ) This item was a mail order TV trial which the original was paid.. I did not like the makeup and returned the package..But the company instead resent more, Telling me to keep it then sent a XXXX. I complained and they would not resolve the issue.. Thats why they no longer sell the products via TV, because that was not real according to their Ad. I have challenged it and than no one has ever taken the complaint serious.. also they added more fee. 
3 ) I never ordered from XXXX XXXX but yet they keep insisting I did. Ive filed complaints of Not my account all they send is a copy of a order. 
4 XXXX XXXX  XXXX XXXX  XXXX I had two  separate credit card accounts I had one and Paid it off before it was delinquent. I need them to send the evidence of two accounts two separate signatures for 2 accounts and the evidence that their BAD business practices did not cause delinquency. 5 ) Metadate Be removed as it is paid, I wanted it removed since it is satisfied. 6 ) Web Fingerhut is 7 years old reporting. past credit reporting time 8 ) XXXX XXXX is over 7 years reporting and was deleted from other Credit Reporting agencies ( XXXX XXXX ) 8 ) As stated I did not use various forms of my name. 9 ) The many Phone number are not mines directly but of possibly others around Me. 10 ) I lived in New York until XXXX  Period!! Never lived in these addresses XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA, XXXX XXXX, NY in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FCC Grand. I have never had any background screening company report such information that is so erroneous. I have worked for Government Agencies, Federal Level and none of those very detailed Background Check company created the most Harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2019-07-09
Company: Nelson Cruz & Associates LLC
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was called by a creditor Nelson Cruz and Associate they claimed I owed XXXX XXXX XXXX XXXX {$12000.00} from XXXX thru XXXX ... I never had a credit card with XXXX or applied for credit with them ... On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke in someone in customer service along Security and Fraud Dept. I gave them my personal info SS #, DOB, address and they did not have me in there records.. 
I called XXXX, XXXX  and XXXX I ordered my credit report and XXXX XXXX XXXXXXXX XXXX XXXX not on my credit report ... 
Nelson Cruz and Associate will not give me the bill from XXXX XXXX instead they want to settle for {$4000.00} over the phone, They continue to harass me with threats, arrest, lawsuit, vehicle repossession, wage garnishments ect.. 
Here are the name and phone.. 

Nelson Cruz and Associate XXXX XXXX XXXX. XXXX, Tx XXXX phone XXXX or XXXX 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
This is XXXX XXXX submitting this CFPB Complaint requesting that the Credit Bureaus remove the disputed fraud items from my Credit File. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the Following items from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} XXXX OF XXXX XXXX Balance : {$3100.00} XXXX OF XXXX XXXX Balance : {$10000.00} XXXX  OF XXXX XXXX Balance : {$6800.00} XXXX  OF XXXX XXXX Balance : {$8100.00} XXXX  OF XXXX XXXX Balance : {$3300.00} XXXX  OF XXXX XXXX Balance : {$9400.00} XXXX  OF XXXX XXXX Balance : {$7100.00} XXXX  OF XXXX XXXX Balance : {$460.00} XXXX  OF XXXX XXXX Balance : {$3900.00} XXXX  OF XXXX XXXX Balance : {$1600.00} XXXX  OF XXXX XXXX Balance : {$5600.00} XXXX  OF XXXX XXXX Balance : {$8300.00} XXXX  OF XXXX XXXX Balance : {$6700.00} XXXX  OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

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 2020-02-10
Company: Dovenmuehle Mortgage, Inc.
State: GA
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 want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehles bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted 2 disputes with XXXX  Credit regarding a derogatory collection that was added to my report. They could not resolve my issue. The debt theyve placed on my report belongs to a family member. This not the first time XXXX has allowed this to affect my credit. In 2018 I spent nearly 6 months disputing derogatory reports and finally got it resolved, now it seems to be starting all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023, I called Nelnet, my loan servicer that I was only a few of my loans had been approved for the XXXX program. After waiting for XXXX hours, the representative told me that I had to consolidate my loans in order for all of my loans to be approved for XXXX program. A few days later, I believe on XX/XX/XXXX, I applied for consolidation of my loans and the XXXX program again. I only did this because I was told this was necessary for all of my loans to be under the XXXX program. 

Later, in XXXX, I tried to log onto my Nelnet account, but the number associated with my identification verification was incorrect. I called Nelnet on XX/XX/XXXX to find out if my identity had been compromised and after waiting XXXX hours again, I was told that my application had included this unknown number I have never used before, but my identity was not compromised. During the conversation, I asked about my XXXX application and we talked about my consolidation and this representative said that it was unnecessary to consolidate my loans and that it may increase my interest. He said the office was closing and that he would call me back on XXXX, XX/XX/XXXX, to try and unconsolidated my loans and apply again for the XXXX program, but he never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sunrise Collection / XXXX ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
never got any information from companies after 35 days of waiting.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts and inquiries below have violated my Federally protected consumer rights to privacy and confidentiality. Under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX Acct : # XXXX Amount : {$8500.00}XXXX XXXX XXXX Acct : # XXXX Amount : {$400.00}, XXXX XXXX Acct : # XXXX amount : {$300.00}, XXXX XXXX XXXX Acct : # XXXX Amount : {$4400.00}, XXXX XXXX XXXX Acct XXXX # XXXX Amount : {$8900.00}, XXXX XXXX Acct : # XXXX Amount : {$2500.00}, XXXX XXXX Acct : # XXXX Amount : {$170.00}, XXXX XXXXXXXX Acct : # XXXX Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 623 of the FCRA and Regulation V that a creditors must not furnish, inaccurate information to the CRA these accounts was never investigated to confirm accuracy of the above accounts. After reviewing my credit reports it is fact that under 15 U.S.C. 1681 ( a ). Prohibits the furnishing of inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: 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:
I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX XXXX XXXX  and they are using XXXX  and TRANSUNION. There is also a unknown fraudalent hard inquiry on my XXXX report, please remove this XXXX  This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my XXXX and my Transunion credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, 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 explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 explanation