BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: Experian Information Solutions 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:
XXXX sent me a letter advising my credit information was used for an application on XX/XX/19. I did not apply for an account or services with XXXX so this application and credit inquiry is fraudulent. I tried to contact XXXX to report the fraud but fraud phone numbers and their website for fraud only offers automated messages that if you are not a customer you must mail in a fraud packet with a police report and photo id to even report fraud and start the process. I also tried to contact Experian at the number referenced on XXXX letter XXXX but there is only an automated prompt for credit alert, freeze, order credit report or info for credit on a minor. I tried all prompts and there are no options to file a dispute or talk to a representative. Experian online verified a hard inquiry was done by XXXX but their dispute website does not allow you to dispute hard inquiries online. It references to call a service specialist but the number takes you to the same automated prompt from the number on the letter and you can't get a rep or file a dispute. These hard inquiries adversely effect my credit score and will stay on my report for 2 yrs and Experian has no means to file a dispute for fraudulent hard inquiries to my credit report. I tried several phone numbers listed on websites but they all go back to the automated prompts with no option for a rep or to file a dispute online ( hard inquires ). I had other fraud on my account for hard inquiries including XXXX but i was able to speak to reps at XXXX to report the fraud. I placed fraud alerts to the 3 credit bureaus but am still unable to find a means to notify Experian that the hard inquiry from XXXX is from a fraudulent application. The hard inquiries resulted in adverse action per XXXX  letter citing " total amount of inquires too high '' and too many hard inquiries effects my credit score. Experian not having a means to dispute the fraudulent hard inquiries violates my consumer 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of accounts for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and remove the following accounts XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Sears Card. Sears did not answer when I disputed the account as I sent them several letters which there was no response. Sears sold the account in which they faulted to my dispute in several issues as well as phone calls in which they never return after talking to me. I also was told every time some would get back in which they never did it was just the run around and then they sold the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is my old address in which I updated in the dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2021-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 already reached out to the credit bureaus ( XXXX, XXXX  and XXXX  ) and to BANK OF AMERICA and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment, Date Last Reported and Date Open are inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2019-10-29
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I stopped making payments to the original creditor ( XXXX ) accumulating a past due amount totaling {$250.00}. This account was sent to collections and acquired by Credence Resource Management. My XXXX  consumer report reflects this account, however it lists the date as being XXXX of XXXX and the amount being {$210.00}. I have never made any contact with either the original creditor or the debt buyer, nor made or offered to make a payment, and therefore have reason to believe this account has been illegally " re-aged. '' I filed a dispute with XXXX, whose investigation determined the date ( XX/XX/XXXX ) to be correct, when in fact it should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I sent my dispute letter to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute with the inquires. I did call the all 3 bureaus and sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over a month for a response.

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 2021-04-12
Company: DISCOVER BANK
State: MI
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:
My discover account was paid off, payments were made but it is still reported that there were late payments. I'm asking for this to be corrected. I attempted to speak to discover regarding this and they neglected to work with me on any months that payments were received. I also tried to satisfy the payment with this creditor prior to it going to a debt collector and discover was unwilling to do so. Due to the covid pandemic and lack of employment I was unable to satisfy this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account XXXX : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Some details herein, attributable to employees of Mr. Cooper Mortgage, formerly Nationstar Mortgage, are contradictory and erroneous.On XX/XX/XXXX, at closing on the property at XXXX XXXX XXXX, {$940.00} was paid to our insurance co. for one year 's insurance.On XX/XX/XXXX, a {$940.00} was paid to our insurance co. ( Travellers ) By Mr. Cooper . They refunded the check to me and my wife. Our insurance company advised we return the check to Mr. Cooper. Cooper refused the check insisting my wife must write a check from her bank account. 
After tendering her check a Cooper ( Coopers are what they call their employees ) informed me that we have plenty of money in our escrow account now, so we could use the second refund check to make a mortgage payment instead of adding it to escrow. I approved, so {$810.00} was applied to XX/XX/XXXX mort. payment and the balance of the {$130.00} was applied to escrow.

Bad advice because the amount was applied to the mortgage payment and I got an escrow bill for {$810.00}. We sent the {$810.00} which was also applied to mortgage not escrow. Now, my monthly Mortgage bill is {$60.00} higher. There are only errors and many more than this.Everything is always wrong and too complicated for us to deal with. The Coopers claim everything is fine but EVERYTHING IS WRONG! I spoke with XXXX who apparently has no last name. A few acquaintances had their MR. Cooper Mortgages sold to XXXX XXXX. I want out! We can not keep up with constant errors and miss communication. They will say everything is fine .... every time ... but everything is a disaster and they will cause us to lose this house because everything is perpetually changing with cooper. I do n't think they lie. I think they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I used to have a checking account with JP Morgan Chase. I received a check by XXXX, a XXXX XXXX company and I deposited the check through mobile banking. I received a notification that Chase was closing my account while my check was still processing. Because I never received the funds on the check I had deposited, I contacted XXXX  to request resistance of the check, but they showed that JP Morgan Chase had cashed the check. I contacted Chase and they said they had to contact XXXX but they were unable with the numbers they had and they could not take a good number from me. So they asked me to go into a branch with an XXXX representative and myself. We all know that is not possible given the fact that XXXX is a big American corporation, I live in Texas and their corporate offices are in California. Chase has the funds, this is a valid check that I receive monthly. I'm not sure why they are keeping my funds. Obviously the check was paid by the issuer. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received an email saying that my account with USAA was closed. I contacted them dip try to find out why because I receive direct apposite of my SSD and it was due in three days. They informed me that oh well didnt matter I receive a check in 20 days I told them that I need my money sooner than that I have to pay my bills I have to buy medication and I have to feed my kids I was instructed that there is nothing they can do I got transferred to another young lady she said that I can open up another account and the funds can be deposited there I was like a fine then a guy got on the phone and said That cant happen. So I took it to social media finding out that this company has done this to many more people so they were banning together to do a lawsuit I contacted them again they contacted me I spoke with the guy named XXXX he told me that it will be expedited on Thursday and I should have it so I can you know do whats needed. the call got disconnected he never tried to reach back out I called them again he told his team member to tell me itll be 10 days for them to review a deposit that theyve been getting for over 5 years and then cut me a check and then XXXX XXXX it out so I would not receive a check until around XX/XX/XXXX. How am I supposed to buy medications for my XXXX XXXX waiting into the XX/XX/XXXX or buy food

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Experian Information Solutions Inc.
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:
I reached out to the XXXX XXXX XXXX Georgia to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Got an alert that a bank account was opened in my name at Bank of America today XXXX!!! Did not open an 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 explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reviewed my consumer credit report and XXXX is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 

1. I closed this account inside the bank several years ago. XXXX actually gave me money back upon closing the account out. Without my knowledge or consent XXXX reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 

2. After XXXX refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an XXXX branch on XXXX XXXX in XXXX, FL and paid the amount that XXXX stated I owed although XXXX credit the negative balance. XXXX refuses to remove the debt from my credit report. A balance is still showing owed. 

I contacted XXXX by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. 

I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!

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 2023-10-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The response letter and statement sent to me via Registered Mail dated XX/XX/2023 is not sufficient evidence to prove validation requirements. This was requested since XX/XX/2023 without complete validation request and requirement considered by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: NY
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:
please investigate these accounts they are not mines and never late on my credit please help i have no one to help XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1900.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TekCollect Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have NEVER done business with TEK-COLLECT INCXXXX XXXX XXXXXXXX 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 2019-10-29
Company: Advanced Resolution Services Inc.
State: CO
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:
Received a letter from an unrecognized consumer reporting agency named Advanced Resolution Services notifying me of changes to information they provide about me to financial institutions. The letter goes on to say i can request a copy of these changes to their report but requests things like my social security number, copy of my drivers license or passport, and signature among other personally identifiable information. I did not contact this company. Tried to look them up but there is no information on the internet other than similar complaints/ issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan was sold to Firstmark services. First of all, when I first got with this new company, I was told I had 90 days before being reported to a crediting agency. A little long, but I always made sure I kept it in that window since Im trying to start my life off. At the start of this process, I hit some snags because the XXXX XXXX was supposed to be paying this loan per my enlistment contract as a part of my bonus. When I found out that the XXXX was not fulfilling their end, I started paying. After starting to pay, I continually told Firstmark that I am the primary so please get with me on all the information I need to know. Firstmark continually sends mail, emails, and calls to the Co-Signer, XXXX XXXX ( XXXX ) and only sends me the bill. Firstmark does call but I repeatedly told them that I am a Deputy Sheriff on Midnights and when they call I am asleep. The times I do get to answer, no one answers the phone. Ive even heard the person on the other end of the line having a conversation. They will then call the co-signer as if I didnt answer at all. For example on XX/XX/XXXX, I answered the phone and, with witnesses, stayed on the line for XXXX minuets with the both of us trying to get someone on the other line to talk. Then, XXXX minutes later Firstmark called the co-signer and left a message. Something Firstmark has never done for me. Now, the co-signer is threatening to sue me due the him being adversely affected by the situation and me not being able to take care of the situation. All due to the fact that after multiple complaints Firstmark refuses to elevate the issue. Ive reported to management multiple times and when I ask to speak to management, like today XX/XX/XXXX, I get hung up on. I feel as if Firstmark is operating as such on purpose given the fact the co-signer has stated that he will not pay any part of the loan to both myself and Firstmark. As I do not have the best history of payment, I do have a history even paying more than what the monthly payment is at times in order to try and catch up.

Company response to consumer: Closed with explanation