BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
1. ) An account was opened in my name on XX/XX/2020, with a credit limit of {$1600.00}. 
The last payment processed on the account was XX/XX/2020. 
In XXXX of XXXX, allegations were made against the XXXX company regarding child trafficking violations. 
At that time, proclamation of bankruptcy due to economic uncertainty was reputed and no further statements were received requesting payment.

2. ) After reviewing my account, I attempted to contact the agency on ( 3 ) different occasions petitioning confirmation of the unproven debt and obtained no response each time. [ See attached documentation. ] 3. ) It is my conclusion, that this inadequacy in communication allowed Midland Credit Management to continuously charge late fees despite my efforts in contacting them for validity of the alleged debt. 
4. ) My credit card limit, again, was {$1600.00} and the last purchase made was on XX/XX/2020 this would substantiate my submission that my credit card was clearly not at maxed-out capacity. 
5. ) Per my initial offer on XXXX, I requested full verification of the reported debt if not contacted by MCM within 15 days. My invocation was unacknowledged. [ See supporting documentation. ] 6. ) Within a timeframe of one month, this unverified debt would be considered time barred as the statute of limitations to retrieve a debt is 3 years. It is my perspective that Midland Credit Management intentionally withheld information regarding my account and declined to disclose details ; to profit financially from the accumulation of fees up until the statute of limitation was at capacity. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
THE CONTRACT OF THE LEASE TERM WAS TERMINATED WITH FULL PAYMENT, HOWEVER, THEY ARE STILL REPORTED ON MY CREDIT REPORT AS TOADY, ACCOUNT IS STILL OPENED, WHICH IS ILLEGAL FOR A DEALER TO REPORT A LEASE OF TERMINATION ON SOMEONE CREDIT REPORT, IF THIS ACCOUNT DOES NOT REMOVED IN THE THE 72 HOURS, I WILL SEEKING LEGAL ACTION ON THE SECTION 603.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is my home mortgage company. I have always paid weekly and I have always paid hundreds of dollars over the that monthly amount due. In XX/XX/XXXX, I contact XXXX XXXX to increase my weekly payments by {$150.00} per week / {$600.00} per month, stating that I wanted this to all go to principal. They agreed to do this and sent me a letter confirming it. Starting in XX/XX/XXXX, the new additional amounts were withdrawn. But when I reviewed my XXXX - XXXX - XX/XX/XXXX statements, I literally could not see where the extra money was going. In fact, it looked like I was actually paying less in XXXX then I was in XXXX. I called Wells Fargo on XX/XX/XXXX around XXXX EST. I was on the phone with them for 2 hours and 15, in which they kept insisting everything was fine and I just was not reading the statements correctly. Then I mentioned to the representative that I felt like something fraudulent was going. Suddenly everything changed. XXXX from CA ( WF # XXXX ) got on the line with accounting and had an answer back in 5 minutes : Instead of applying the extra money towards the principal each  month, Wells Fargo simply took that money and applied it towards the next months payment. When I explained to her that this was not what I signed up for and it was not explained to me this way in XXXX, she said someone from their " Executive Office '' would call me on Monday XX/XX/XXXX. I asked her to confirm that by forwarding my extra payments to the next month 's payment, I would actually end up paying more interest vs had the extra money just applied to principal, XXXX confirmed this was true. When I called WF in  XXXX to up the amount I paid weekly, I was assured that these extra payments would all go to principal. I believe that WF has been fraudulent. 

On XX/XX/XXXX I submitted a complaint the CFPB - # XXXX. Wells Fargo responded beyond the 15 days time period stating that they could not " respond '' because of an unauthorized third party. Wells Fargo also sent me a letter on XX/XX/XXXX from XXXX XXXX XXXX, Executive Resolution Specialists, Customer Care and Recovery Group, XXXX, ext XXXX. XXXX XXXX did attempt to call me. I returned his call after I received the paperwork and requested we set up a call to discuss. He never returned that call. The letter and supporting documents that Wells Fargo sent does not resolve this issue. They state false and incorrect information in the response letter and do not address the questions and requested resolutions from the original complaint. So here we go again with round 2, wasting everyone 's time.

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 2023-07-28
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:
There are UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report 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 2023-07-28
Company: Experian Information Solutions Inc.
State: NY
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 just requested my credit report and noticed the wrong information and fraudelant 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 2022-12-07
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Progressive insurance put me on debt wrongfully I did not apply for progressive insurance at first place. My XXXX XXXX has had that insurance, never receive mail or bill on my name from them. It is illegal to have this charge under my credit report or my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Nelnet, Inc.
State: NH
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 am still awaiting feedback from the complaint I submitted with XXXX on my credit score. It's been over 60 days since XXXX 's initial response on this complaint filed here and I have not heard anything back, nor has anything been addressed as to why my credit score dropped XXXX points without a reason. 

There is still an ongoing problem with Great Lakes student loan servicer either not reporting my payments to XXXX, XXXX, and XXXX, or with these credit bureaus not updating the loan status on my credit reports. The loan balance has not been updated since I made a payment on XX/XX/XXXX. This is an ongoing issue. The balance on my Great Lakes loans was {$8800.00} on XX/XX/XXXX. On XX/XX/XXXX, the balance was {$8600.00} and as of today, the balance is still being reported at {$8800.00}, as of XX/XX/XXXX. As of today, the balance is {$8600.00}. 

This results in an old past due student loan from Nelnet never falling off of my credit reports, keeping my credit score from improving. The last past due/missed loan payment occurred in XX/XX/XXXX, and the Nelnet loans have been paid off since XX/XX/XXXX. 

I want these issues resolved as I am trying to restore my credit score to what is was prior to the XXXX point drop back in XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and account which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXXXXXX 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 2023-01-28
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting to credit reporting bureaus. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for XXXX XXXX against you. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX {$95.00}

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 2023-01-28
Company: Strategic Alliances, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft and a loan with XXXX was taken out fraudulently in my name. I submitted the required paperwork with XXXX to initiate a fraud claim on XX/XX/2022. On XXXX XXXX, XXXX XXXXXXXX confirmed that my fraud claim was substantiated. As of today. XXXX XXXX, that claim was confirmed XXXX additional times, on XXXX XXXX and XXXX XXXX. Due to administrative error, the debt was sold to First Portfolio Ventures on XXXX XX/XX/2022. I also received a letter from First Portfolio dated XXXX XXXX. I contacted XXXX about this, and they confirmed on XXXX XXXX, both via phone call and email, that the fraud claim was substantiated and I was not responsible for the debt. Further, they stated that they had purchased the debt back from First Portfolio Ventures. On XXXX XXXX I received a letter from XXXX XXXX XXXX saying that I still owed the debt. I contacted XXXX on XXXX XXXX and was directed to forward my documentation to XXXX. I did so, however when I returned a phone call from XXXX later in the day I was told that my fraud claim had been rescinded and that I need to pay a minimum of {$3200.00} to clear the debt. I refused to do so and the agent ended the call.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received an email stating that an XXXX XXXX was on its way in the mail. I did not apply for this credit card. I called XXXX right away and had this card shut down. The fraud department at XXXX has been alerted and they filed a report. Then I looked at the rest of my credit report on XXXX XXXX and noticed 2 hard inquiries that were not made by me that also brought my score down by at least XXXX points. The first inquiry took place on XX/XX/XXXX and the second one ( for a XXXX XXXXXXXX card for which I did not apply ) happened on XX/XX/XXXX. I have also been notified by my XXXX XXXX and XXXX XXXX cards that someone in California tried to use my information to purchase product at The XXXX XXXX and online at XXXX, purchases I did not authorize. Those purchases were fortunately caught and blocked by the credit card companies but I had to close my XXXX XXXX account and freeze my XXXX card.

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 2022-01-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several XXXX  XXXX XXXX accounts opened up in my name. I immediately notified the XXXX  XXXX XXXX fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. XXXX  XXXX XXXX continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.

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 2021-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My deceased parents left their house to me and appointed me as personal representative of both of their wills, not knowing their had a mortgage on the house. In the will my stepbrother was only over medical of power of attorney on his father. some how he has his name on the house. I called Bank of America, to let them know that they left the house to. I sent Bank of America a copy of the Will and Testament of both and copies of both death certificates They will not talk to me at all, I tried on several occasions also several companies have inform me that the was over charging my parents for mortgage payments .All this stated back in XXXX, when my mother passed and XXXX when my dad passed away. This person name is nowhere on the wills as personal representative We do not want to lose this house of 49 years.

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 2023-01-28
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a HUD Certified Housing Counselor and submitted complete documentation for the Homeowner I am assisting, XXXX XXXX XXXX to be reviewed by his Servicer, LoanCare. 
On XX/XX/XXXX I received a letter from LoanCare as part of XXXX XXXX Foreclosure Avoidance program verifying that the document package was complete for review. LoanCare has exceeded the CFPB guidelines for Loss Mitigation review of 30 days to make a decision. 
As of XX/XX/XXXX, the Homeowner received a Letter stating that LoanCare was " Pending Investor Approval '' LoanCare has continued to call the Homeowner during this time with the collector stating that there are no documents submitted for Loss Mitigation review, or to the Homeowner Assistance Fund program in Oregon where the Homeowner is in the Underwriting Stage, and shows that the state of Oregon has reached out to LoanCare requesting documents. 
This ALSO is a violation of CFPB Guidelines.

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 2017-05-17
Company: EQUIFAX, 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:
XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Filed a complaint with all three credit bureau and the information has not yet been corrected the loan balance s reporting incorrect please see attached statement balance highlighted.

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