BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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:
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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-09-16
Company: EQUIFAX, INC.
State: MA
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:
DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I updated my bank account information for auto-debit payments with Mohela in XX/XX/XXXX via the Mohela website, changing the account from which my payment would be withdrawn. I received two messages from Mohela in XX/XX/XXXX and XX/XX/XXXX with subject lines " Auto-Debit Withdrawal Confirmation '' which made it sound like my payments were processing as usual, but Mohela later informed me that it actually takes 1-2 billing cycles to update auto-debit information, and so my account was past due. <P/>After learning of the discrepancy, I processed the payment manually via the Mohela website in the meantime, but I believe that by not clearly disclosing this delay in auto-debit payment processing on their website, they 've created obstacles to repayment by providing bad information, or no information at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I received a notice from XXXX that Credence Resource Management , LLC added a collection account to my report in the amount of {$1800.00} stating Collection Account Open XX/XX/XXXX. I have NEVER heard from this collection agency prior to this being added on to my XXXX report on XXXX. 
I emailed the company on XXXX asking for proof of this collection along with a settlement letter. On XX/XX/XXXX I received an email to use my zip to view the letter. My zip code did not match, I emailed back and informed them of this on XXXX. On XX/XX/XXXX, they resent the letter dated XX/XX/XXXX to use my 1st name for the password. The mailing address for me on this letter is not valid and has not been valid since XXXX of XXXX the letter is only labeled as : " VERIFICATION OF BALANCE ''. 

This letter does not contain any form as how I can dispute this collection. The Notice of Debt must contain a statement advising me of my rights under the ( FCPA ), including a statement that I have the right to dispute the debt within 30 days of receiving the letter. 
This letter does not contain the following : The date of the last statement or invoice provided to the consumer by the creditor. 
The charge-off date. 
The date of the last payment applied to the debt. 
The date of the transaction that gave rise to the debt. 
The notice labeled " VERIFICATION OF BALANCE '' does not prove this debt and the letter does not provide the following information as a way to dispute : This is not my debt. 
The amount is wrong. 
Other- they must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: MA
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:
DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

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 2019-02-12
Company: ACIMA CREDIT, LLC
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:
I seen this company on my credit report Acima and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a Cottonwood Financial dba XXXX XXXX. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at Cottonwood. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Ability Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a collection reported on my credit report for an online course that I never enrolled in. I have never given this company my social security number nor have signed any documents nor I have participated in any online course with them. I do not know where this account is coming from and it is ruining my credit report falsely damaging my good name.

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 2021-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent American Financial Solution {$100.00} Account number XXXX Hard Inquires : Experian Business Credit XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Experian Business Credit XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to 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 2017-07-09
Company: ERC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I noticed a charge on my XXXX statement for {$290.00} for XXXX XXXX Restaurant, XXXX, AZ, a restaurant I have never been to XX/XX/XXXX I called Bank of America to report the fraudulent charge. B of A temporarily reversed the charge, canceled the credit card, issued new cards, and said they would open an investigation XX/XX/XXXX The charge was back on my credit card statement. Called B of A again and they said they sent us a letter which we never got. They sent it again and we received it XX/XX/XXXX. The letter stated that they were unable to approve the claim because " after you submitted your claim, you later confirmed that the charge was valid '' WHICH IS NOT TRUE! 
Of note, I tested positive for XXXX XX/XX/XXXX and isolated at home for 2 1/2 weeks. Also, this charge was for a " take out '' order and this restaurant is 45 minutes away. I have NEVER spent over {$150.00} at a restaurant in my entire life, let alone {$300.00}. I have been an XXXX  XXXX ( B of A ) customer for over 20 years and this has NEVER happened.

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 2017-07-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter On XXXX XXXX, 2017 from collection then received a phone call to my mother house not my phone number which they have access to my mom who is elderly and lives in a XXXX XXXX leaves a harsh message regarding me then On XXXX XXXX, 2017 around XXXX XXXX Pacific time I called the corporate office at XXXX ( XXXX ) XXXX EX XXXX spoke to XXXX which sounded like a man possibly giving fake names then he transfers me to another collection agent and starts arguing telling me he does n't care about the reason why I could n't pay I then ask if I can make payment arrangements he refused and told me to borrow money or get it somehow today the on a recorded line he then said I 'm refusing to pay I just told him when I could pay and starts threaten about outside agency to get their money my total came out to {$310.00} and he offered to split my payment at first then he said on his time it had to be done today I ask to receive a copy of the recorded copy of the conversation and how his business ethics need improving and how he cant be threaten or talking to consumers yelling and not letting consumers talk

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TENET HEALTHCARE CORPORATION
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Central Financial control is a collection agency that is handling my medical debt. I spoke with an agent in XXXX of 2016. They agreed that if I settled the balance then the items would be removed from my report. I paid the times and the agency is still reporting as negatively. i paid half of the debt which was considered settled in full, however, the remaining balance is showing negatively on my credit report. I am requesting that you contact the agency and have them remove theses items from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: U.S. BANCORP
State: IL
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 contacted the credit bureaus and US BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: VA
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 Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2017-09-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

XXXX. They recently bought my mortgage from XXXX Address added that I have no connection with is .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX I opened accts. with Citibank responding to promotion that offered {$700.00} bonus for opening with {$50000.00}. I opened these accts. in person with XXXX XXXX, Personal Banker at Citibank XXXX XXXXXXXX XXXX, NY XXXX to be sure it was done correctly. We discussed what bonus I was interested in. Then I funded the accts. with online transfers. 
On XXXX XXXX, XXXX XXXX XXXX emailed me to tell me the funds had cleared and the required 60 days on deposit would make it XXXX XXXX, XXXX when I was free to take my money out, retaining only {$1.00} in acct. until bonus was received. 
On XXXX XXXX, XXXX he again emailed me to remind me everything was now clear and I could take my money out, again reminding me about the {$1.00}. 
With my XXXX Citibank statement I noted that only a {$300.00} bonus had been paid, and brought it to the attention of both XXXX XXXX, by email, and XXXX XXXX, another Personal Banker, in person. Subsequently it was also brought to the attention of XXXX XXXX, Branch Mgr. and ultimately I received a letter from Citibank saying I had not qualified for the {$700.00} because I had not maintained {$50000.00} for 60 days.

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 2022-03-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX 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 a 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 2019-05-15
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account back in XX/XX/XXXX with collection company called Credit MGMT XXXX XXXX on behalf of XXXX cable. And they stated that they will have this item out of my account within 30 days. Now it is XX/XX/XXXX AND THIS ITEM STILL REPORTED ON MY CREDIT REPORT PLESAE HAVE THIS ITEM REMOVED! THANK YOU SO MUCH

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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX, Transunion, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609, which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the 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 2021-04-15
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every year or so my mortgage company tells me I have an escrow shortage and they raise my bill even though I have paid for every month and haven't changed anything to increase it. This is the second time I am going to the CFPB for the same reason. The first time it was fixed but now the mortgage company is doing it again.

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