BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: NRA Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX saying I owe XXXX. The letter stated this is an attempt to collect a debt. Unless I notify there office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. I mailed a certified letter to XXXX XXXX XXXX dated XX/XX/XXXX requesting validation of the account. I did not hear or receive any documentation response for XXXX XXXX XXXX. On XX/XX/XXXX I get a email from my credit report monitor service saying an collection account been added to my all three credit agency and it was XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX  amount  XXXX , I was made a dispute at XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   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 2021-04-11
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would say the date would have to be around XXXX 2019 when I went to the XXXX XXXX XXXX. I had insurance at the time but I didnt have my insurance card with me that day. They said they would be able to bill my insurance anyway so I just left it as is since they said they would bill my insurance. Months later I see on my credit report that Im in debt {$560.00} for the services I received that day. Ive disputed it through XXXX XXXX numerous times with no changes made to that account. Ive contacted the original lender XXXX XXXX XXXX XXXX XXXX and the bureau CMRE Financial Services, sending them photos of my insurance card so they can verify that Im not responsible for the amount owed, and that its my insurance who needs to pay the amount but nothing has changed. After Disputing through credit karma, they verified that the information I provided was accurate. I desperately need this removed from my credit report because I am not responsible for the mistake XXXX XXXX XXXX XXXX made by not correctly billing the insurance and billing me instead, and I am not responsible for this amount owed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Kashia Services
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The interest rate is 769.31 % so pennies are going to my loan of {$750.00} whereas they are charging over {$220.00} every two weeks in finance charges. I'm drowning. The total amount to be repaid on a {$750.00} loan will be over {$5000.00} please help. Their website says they allow credit card payments but when you call they say they can not accept them. I'm not even sure if they can legally charge such a high interest rate to a resident of the state of Oregon. Are you able to check if they are a valid tribal company or if the interest amount is legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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:
I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions Inc.
State: NV
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:
SS # XXXX I have submitted police report to Experian as well as a letter of dispute for each incorrect fraudulent activity on my credit report. And the issue has not been resolved. I am a victim of identity theft 2x. Experian has not removed the following fraud inquiries and credit card and Bankruptcy. Please review my documents I have lived in XXXX  10 years. There is a XXXX XXXX   bankruptcy reported XX/XX/2015 reference number XXXX.

Inquiries 33 total most of these are online inquires I researched. Online payday loans .Please Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account

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 2021-11-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was lured to apply for new credit card from XXXX XXXX by Macys store representative ( XXXX XXXX XXXX XXXX ) She lied to me that I should upgrade my Macys card that I already have to get more money savings and after I added all my information I found out that she applied for new card and that I will keep my Macys card I was furious, she did this to get XXXX bonus may be but I didnt ask for new card. I report this to make sure customers never trust Macys store representatives with their information and. Macys store should keep descent business ethnics.

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 2021-02-21
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: Account status incorrect

Complaint:
My credit report shows a deliquent account from XXXX XXXX XXXX XXXX. That account has been paid in full and it needs to be deleted 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 2021-02-21
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:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XX/XX/XXXXbecause to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: FL
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:
This is a VERY unusual issue. In XXXX, I received a letter from Social Security that my XXXX benefits were being terminated since I was supposedly incarcerated in Massachusetts since XXXX. I found this to be a bit humorous since I retired from a XXXX XXXX career in XXXX after 26 years of NY XXXXtate service. Via telephone calls, SS cleared this up within a week but warned me that this severely impacts my credit score. I have been trying to communicate effectively with the credit bureaus but it is futile. Nobody listens. 

Tonight I was told that despite having NO loans, mortgages, car payment, etc ... that my lowered rate is due to my not having enough accounts open. Why do I need unnecessary accounts when I am financially solid and have nothing but a XXXX XXXX history? Why is a financially responsible citizen being forced to open unwanted and unneeded accounts and expose myself to even more fraud? These credit bureaus are out of control.

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 2021-04-11
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company, AD ASTRA RECOVERY which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$400.00} with a credit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt. 
I would like the business remove the negative report against my SSN at any credit reporting agency, In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly, they agree to remove my personal information from all accounts in the companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Sequium Asset Solutions, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. 

Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX.  XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer,  XXXX 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 2018-12-05
Company: JPMORGAN CHASE & CO.
State: MS
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 company is reporting a credit card on my credit reports and refuses to delete the information. Ive disputed this account multiple times and it keeps returning as updated after only 1 day of being open. Ive asked the original furnished to provide to me verification in the form of the original consumer contract with my signature on it and all Ive received was a print out of the account with a list of information and no signature anywhere. They continue to report my information even when they have no verification. The credit bureaus also have failed to investigate thoroughly because if a human being actually investigated and not XXXX, they wouldve deleted this account a long time ago. The negative reporting is defamation of character and I am preparing to seek litigation for damages caused by the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- - XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX ( Original Creditor : 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 2021-02-22
Company: BSI Financial 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: Account status incorrect

Complaint:
In XXXX my I entered a forbearance for my FHA mortgage due to COVID 19. It ended in XXXX of 2020. I made all payments on time prior to XX/XX/2020 and have made all payments since XX/XX/2020 yet my mortgage has been reported over 120 days delinquent on my credit reports. I have attempted to contact BSI who is my mortgage company have not been able to have anyone return my calls regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Debt Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt Recovery Solutions ( DRS ) showed on my credit report with no mention of what the original debt is. No communication received from DRS in regards to the debt. On my credit report it lists XXXX XXXX XXXX as the original creditor but upon searching XXXX XXXX XXXX purchases written off debt. This company was of no assistance as they stated they no longer have the debt. As such, I have no knowledge of the debt & have not received any communication from DRS. DRS is also not licensed to collect debt in the state of Washington. The company is in violation of the FDCPA for not providing information & attempting to collect on phantom debt. Request this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name XXXX XXXX. I had an item i wanted to buy from XXXX XXXX, XXXX XX/XX/2021, Amount {$3800.00}. So i was advice by the store associate to apply for their store credit card that carries 0 % APR for 18 months, since i have an " Excellent '' credit score with a FICO score of XXXX & above depending on the credit bureau. XXXX credit card is operate by " Synchrony Bank ''. I was hoping there won't be any problem since i have an excellent credit with a FICO score XXXX & above depending on the credit bureau, so i applied. After my application, Synchrony bank run my credit history but there was no issue as well & i was instructed by the bank to send my ID & take a picture of myself and submit it to the link that the bank sent to me to verified my identity. Immediately after i submit my ID & take a picture of myself they saw my picture & realized the applicant was an XXXX, then they started coming up with all kinds of issues just to denied the applications because in their widest dreams they could not believe at a time like this a XXXX man can have such a great credit history. This is unbelievable & unacceptable that having a good credit history is not good enough to get a store credit card for an amount a low as {$4000.00} even though it's clear through my credit history i am above & beyond qualified. They were unable to provide a cogent reason for the denial because i ask them for the reason, THEY ONLY JUST GAVE ME A GENERIC RESPONSE. I HAVE A GOOD JOB, GOOD INCOME & FICO score of XXXX & ABOVE depending on the bureau, i've been on the job for more than XXXX. WHAT A HELL IS THE REASON FOR THE DENIAL I want to make this compliant here as " Synchrony bank '' has racially profile me & i felt been discriminating against cuz this is an act of discrimination even though i met above & beyond all the qualifications for this credit card, they could not provide me with a cogent reason for the denial. Synchrony bank need to be exposed because i'm sure they have done this to some other applicant of XXXX. THIS CAN NOT CONTINUE!! This is perhaps the most humiliating i've felt in a long 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 2021-01-20
Company: Sequium Asset Solutions, LLC
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:
Focus Receivables Management shows up as a collection on my account. I have contacted this company to verify this debt prior to reporting to my credit report. I still haven't received the information yet. I have been with my current cell phone company now for 9 years and there is no way that this debt can be mine since this company is past the XXXX year old. In XXXX of 2020 anther collection agency tried to put this same account on my credit report and still no one is verifying this debt. How can this debt still report on my credit report this company has not contacted me also being with my current company for 9 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: ID Analytics, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to contact XXXX XXXX many times via phone. I previously had my report frozen with them requiring a lot of unneeded information. They do have a number so they can call you back, but with all the bulk of information. I have already given them. I feel I shouldnt have to wait for them. 

My issue is if IDA has changed to XXXX. Is my credit freeze still on my 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 2021-02-11
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello I am a single XXXX American woman residing in XXXX NY. In XXXX of XXXX I purchased my home in the XXXX XXXX section of XXXX NY. The total purchase amount was considered a jumbo loan so I had to take out 2 loans at closing ... one was a conventional mortgage at 4 % and the second was a line of credit from PNC bank for the balance {$150000.00} The interest on this second mortgage was and still is 9 %. I have tried 4 times throughout the life of this loan to modify to a lowered interest rate. Each time up until recently ( XX/XX/XXXX ) in the XXXX of a pandemic I have been denied. I started the process in XX/XX/XXXX, submitted numerous documents via fax and XXXX only to be told that I did not qualify for a modification, that I had exhausted all other options and that I am now 4 months past due. The reasons given for the denials is always that my income is not sufficient to qualify. So I am forced to continue to pay an interest so exorbitant on a package they no longer offer for new applicants due to its predatory nature. I believe that ECOA violations have occurred and I wish to file a formal complaint against PNC bank for Discriminatory mortgage lending practices.

Company response to consumer: Closed with explanation