BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Macy 's cancelled my store credit card undenounced to me. No notification that Macy 's cancelled my card that I've had for over 30 years Due to Covid, I did not visit this store for almost 2 years so they cancelled my account, driving my credit to debt ratio to in a downward spiral.

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 2021-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a billing statement through the USPS from WELLS FARGO BANK in XXXX for a total of {$420.00}. I noticed violations under the FDCPA and sent them an Affidavit of Truth on XX/XX/21 to enforce my consumer rights and invoke my specified remedy by way of certified mail Article # XXXX which they received on XX/XX/21. They refused to rebut my Affidavit point for point. Instead they sent me a Record of Application Information and stated they decline my remedy.

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 2020-01-07
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I receive my credit reports monthly. I noticed a collection report that was placed on my credit reports that was NOT on my report last month. 

On Friday XX/XX/XXXX at about XXXX, I received a call from a company that I did not know nor had I ever heard of or done business with - National Recovery Agency. The lady on the other end said she was attempting to collect a debt. I let her know that I was the person she was looking for and asked that she not call me again - but to communicate via mail only. This person hung up the phone. I then received a notification by XXXX XXXX on Monday XX/XX/XXXX that a new collection account for XXXX was added to my credit report between XX/XX/XXXX and XX/XX/XXXX. The collection letter was from National Recovery was dated XX/XX/XXXX - the same day I received the initial phone call. I ask that this account be removed from all my reports from National Recovery Agency so I can have an opportunity to validate this alleged debt. 

This company did not sent any notification to my address regarding any debt until AFTER they placed this account on my credit report. I am requesting that this be removed immediately from my report since I was not even given a chance to request validation of this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Telsa Motors Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX is reporting an at fault accident and there has not been an at fault accident. I contacted the companies and they have the correct information. Not XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX for Navient XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: STATE FARM BANK, FSB
State: AL
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:
Creditor : State Farm Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( State Farm XX/XX/XXXX ) I contacted State Farm on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for State Farm or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights,

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 2023-11-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX  I applied to refinance with XXXX XXXX XXXX XXXX they pulled all three of my credit reports through factual data. 
I did not open an account and would like factual data inquiry removed from all three credit bureaus. 
The inquiry is approx 1 year and 6 months old.

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 2020-01-07
Company: EQUIFAX, INC.
State: AL
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 notified the credit bureau Equifax of a fraudulent account on my credit report 3 times from XXXX XXXX. I provided legalized documentation to support that this account doesn't belong to me and that I had been a victim of identity theft each time I have notified them. The credit bureau Equifax refuse to  remove the erroneous reporting account. I have notified all credit bureaus and the other 2 XXXX and XXXX have investigated and removed the fraudulent account that stemmed from identity theft but Equifax will not properly resolve this issue. I am a XXXX veteran that is XXXX and I am sincerely saddened by this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Firstly, I requested a quote for a delayed financing mortgage in XX/XX/2023 from Amerisave mortgage. We purchased the property in question via auction with all cash, thus was trying to borrow against the equity that we now have with the property. When the loan officer ( XXXX XXXX ) first contacted me, he gave alot of ( now known as false ) promises about how this would be an " easy '' and " quick '' mortgage application process and said I can close the loan within 3-4 weeks. I only requested a mortgage loan of $ XXXX which was only about 50 % of the equity of the property. 

Lo and behold, after countless requests for additional information and pre-payments for credit reports and appraisals, they came back and told us we were only eligible for a loan for the equity that we personally put into the house since we did purchase the house with the assistance of family members. That was an incredible blow considering this significantly reduced the amount of the loan we were requesting from $ XXXX to $ XXXX. That would have been fine if the loan officer was transparent about this from the beginning! Since our names are on the title and we own the property free and clear, we did not expect this to be the case. This happened about 5 weeks into the mortgage application process ( already longer than we initially thought ). After this of course, it was more and more letter requests on top of bank statement requests. 

Finally as we got to closing, we repeatedly told the mortgage officer we DID NOT want to include escrow. But at closing, the closing disclosure of course had escrow included. Not only was that incorrect, it also had an additional charge of {$700.00} for the appraisal! I had already paid this in the very beginning! If I did not read through the closing documents carefully, they would've charged me twice! Additionally, I was promised the loan would be funded within 3 days of closing, and it has now been 5 days and still hasn't been funded. All these events have been unacceptable and I honestly believe this company is very unprofessional and borderline scamming consumers. I had a very poor experience with both the loan officer and loan processor of AmeriSave Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXXXXXX XXXXl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 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 instructionsI

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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-02-03
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Nelnet, Inc.
State: GA
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:
I first got into XXXX due to the offer of a grant of XXXX after a year in school I noticed that the quality of the service was poor. Teachers will not show up to the class in many occasions class was cancel. Most of the class were giving by different substitute where everyone had a different teaching style. I was not learning anything at all. I pass the class and don't know how as the teachers was granting good grades to everyone regardless if they show up to the class or not. The grades was fraudulently granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an entry on my credit report with Experian Credit Buearu and uploaded 20+ pages of documentation detailing a seven month effort to validate this entry. 

I reached out to the contact address and email listed ( as I'm XXXX low hearing do don't engage via phone ) and per both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) this entry should be deleted from my credit report. 

I sent a written and electronic request to the collector and they were unable to respond back with the legal requirements and requested pieces of information. I shared a copy of the letter with the itemized pieces of information I was legally due and wanted to see and they responded they were unable to provide this information. 

I shared this thread and again multiple documents as reference points with Experian and they shared an auto generated template about what their role in the dispute process is and how it's simply to ensure the items the collector has have the same name and contacts on my credit profile. No request for the original creditor, a valid contract between parties, receipt of a debt- as I have documents that I owe no such debt. And then as a collector, authenticity of their authority - their collector 's agent license number, evidence of their legal right to collect in the state of Nevada where I live, and if this is an actual debt, record of the transfer of ownership or receipt of sale of debt. 

Not only was none of this provided, the collector in question provided no method to contest the debt or intake verification that it was not valid. 

I presented all of this to Experian, along with multiple threads and documentation of being a victim XXXX times over of a data leak by XXXX large XXXX XXXX companies and my own personal identity stolen and fraudulent accounts and action taken in my name. 

None of this was handled correctly to remove the entry and now I have been denied housing because of this illegal error and Experian is ( rightfully ) bracing for contact from my legal counsel until this is removed. 

I would love for this complaint to evade that process and for Experian to allow a mediator to help them see this is a failure on their part that need to be rectified immediately, but I also want all consumers to know this is victimization and exploitation by careless process on Experian 's part as well.

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 2022-10-07
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning, back on back on XX/XX/XXXX i submitted a complaint to XXXX about a debt not owed. The company did respond back and say that they had got with there client and that a deletion of the account was processed on XX/XX/XXXX to remove the collection from all 3 credit bureau 's which they did. i get an alert that the collection has been added back to my credit for the same issue. Guys i need this to stop happening and not trying to keep adding this to my credit. This issue has to stop as it's already been decided that this is something i do not owe. Please kindly remove this ASAP This is the company 's response back on XX/XX/XXXX XXXXompany 's Response Good day, After thorough review of your complaint, please be advised that we have reached out to our client in regards to your claim. A deletion of our account was processed on XX/XX/XXXX to remove the account information from your credit file. Please note, once we submit the request to the credit agencies, it may take up to 60 days to reflect the update to your credit. On behalf of Sequium Asset Solutions , LLC I would like to apologize for any inconvenience this may have caused. Thanks, XXXX XXXX XXXX XXXX Sequium Asset Solutions , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
Hi Equifax, XXXX, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXXXXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of DOLA, DLP, DLR, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TN
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:
I recently received a copy of my ( Name Credit Bureau here ) credit report, and I noticed some late payments posted on my credit report : The account in question 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 2018-11-06
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, FROM XXXX. XXXX   XXXX, XXXX VA. XXXX, TEL. ( XXXX ) XXXX, PUT IN MY CREDIT FILES A DEBT COLLECTION FOR {$50.00} FROM THE CREDITOR " XXXX XXXX  ''. THIS AMOUNT WAS PAID IN FULL ( SEE THE ATTACHED COPY ). THIS IS THE SECOND TIME THAT THIS SITUATION HAPPEN, ALSO I SEND COPY OF THE HOSPITAL TO THE RADIOLOGIST OFFICE : AT XXXX. XXXX XXXX XXXX, OH.XXXX, TEL. ( XXXX ) XXXX, TO TRY STOP THIS SITUATION I CALL TODAY XX/XX/2018, TO THE COLL. AGENCY AND THEY TOLD ME THAT THEY SEND A COPY OF THE LETTER TO THEM BUT THEY DONT RESPONSE BACK. AND UNTIL THEY DONT RESPONE, THEY DONT DO NOTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation