BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX of this year a collection company placed a collection on my credit reports from XXXX XXXX. I called the collection agency and I explained that I never had Services with XXXX. They sent me an affidavit to complete. I completed the affidavit and the collection was removed XX/XX/2018. 

Now I check my credit report and this company Diversified Consultants has placed this same collection back on my report. They are reporting the collection open date for XX/XX/2018. I have never had XXXX XXXX   services. I believe this company is placing debts on consumer files that they do not own nor can they verify. How can they have an open date of XX/XX/XXXX when XXXX XXXX didn't remove the accounts from my files until XX/XX/XXXX. This is illegal and unethical tactics are being used. I am fully aware of my rights and I am currently looking into suing this company for defamation and violation of the FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
First Citizens Bank advertised a promotional offer of {$300.00} cash bonus for opening a Free Checking Bundle. I opened the account through the promotion on XX/XX/2020 and met all the requirements ( minimum balances in checking and saving accounts, 10+ debit transactions ) by XX/XX/2020. It's been six months and the bank has not provided the {$300.00}, which was promised within 90 days of account opening. I've contacted the bank but got bounced around and never received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07
Company: VW Credit
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: Account information incorrect

Complaint:
VW Credit account XXXX The payments on this account have been reported and changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time VW Credit says the account has been verified. Clearly it is unverified because the payment history changes every month and is being reported differently to XXXX, XXXX, XXXX, and XXXX.These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. VW Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it keeps changing and is not being reported the same to all bureaus. 

The last payment that they are reporting was made from XXXX XXXX on a payoff. It was based on a 10 day payoff and was submitted in plenty of time to be on time and should not be showing late. 

I demand that these specific and unverified information be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously received an attempted debt collection from the company Sequium Asset Solutions LLC in regards to our equipment that was provided for XXXX XXXX. We cancelled our service for XXXX XXXX, paid a cancellation fee and returned all the equipment. This was over a year ago and now I am receiving additional letters from this company trying to collect this debt saying that the equipment ( tv boxes ) for XXXX XXXX were not returned and this is a fee for the collection of the equipment. We already submitted the receipt from XXXX XXXX or XXXX ( forgot which one ) of the shipping label that confirms the equipment was returned because the lady at the shipping store advised we keep the receipt as this kind of tactic is used often. I'm sick of being harassed by this company for money that is not owed. Please put an end to this as now I have a debt that's affecting my credit score for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023 I initiated a transfer from my chase Amazon rewards account to my account with XXXX XXXX XXXX  in the amount of {$7200.00}. I received an email confirmation from chase that the funds should arrive to the destination bank XX/XX/XXXX. With the following order # : XXXX I never received the funds although the funds were taken out of my chase account. On XX/XX/XXXX I called XXXX XXXX XXXX they say the never received it. I called chase they say they sent it and confirmed the correct account number and routing number. At this point XX/XX/XXXX I don't have my money and each bank is sending me to the other bank. 

Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Synovus Bank
State: MD
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:
This item First Progress credit card ( Account # : XXXX ) is inaccurate because this account was paid in XX/XX/XXXX but the date major delinquency first reported / failure to pay status updated on both my XXXX & XXXX credit reports to reflect XX/XX/XXXX/ XX/XX/XXXX & now my credit reports are considering this account as being late when it's already paid. The last date of delinquency should be in XX/XX/XXXX since this is when the account was charged off. My credit reports are now showing this account as a new late and since this information updated incorrectly my credit score decreased by 10-15 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In this month, XXXX XXXX, XXXX, when I got the paycheck I noticed over {$300.00} was seized without me knowing. I work as a driver for XXXX XXXX, so I had a friend call payroll for me, and I was on the call simultaneously. Cause XXXX contracts with XXXX for payroll services, we had to get in contact with XXXX, an XXXX employee, telephone XXXX, XXXX. We were told by XXXX, XXXX was following a XXXX XXXX from a New Jersey venue case. Problem is I domicil in XXXX  and prior to that XXXX XXXX. I got no Notice from either XXXX or XXXX payroll services, to allow me the opportunity to challenge the aledged debt. XXXX has all contact information for me. XXXX from XXXX stated they had no way to contact me. 
I asked for the supposed court order, but was never given it. I had to ask several times before I was given the Sheriff 's office who issued the writ and the unlawful debt collection agency ; XXXX XXXX. I called XXXX many times and to date, have not been able to speak to anyone. 
From the Sheriff 's office, I was able to view the Writ, and from what I read, this is supposedly a XXXX judgment order, in New Jersey [ court ], for which I never got Notice for such. I suspect the issue maybe an Identity theft one, as I have never had any accounts with the debtor. I checked the credit report for XXXX and nothing shows up for the said unlawful debt. I am waiting on reports from XXXX and XXXX, by mail. 

I truly have no idea what this is about, and I am unable to contact XXXX, to challenge the debt under 15 USC 1692g, and other debt challenges. This quite unfair and deceptive act and is causing me financial harm. 
Both XXXX and XXXX failed to notify me of this garnishment, putting me in stress and turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously submitted complaint XXXX. Credence Resource Management was attempting to collect a debt for XXXX XXXX XXXX that is not mine. In that complaint, I asked for verification of the debt and a letter of deletion. I never received any such verification or letter of deletion. Credence has started calling me again. They called and I did not answer yesterday, XX/XX/2022. They again called today, XX/XX/2022, asking about a debt from XXXX & XXXX with an address in Arizona. When I talk him the account was not mine and I've never lived in Arizona, he continued to ask other questions. I told him not to call again and only contact me by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit bureaus XXXX XXXX XXXX   about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX Credit Dept. in XXXX, OH canceled my thirty year old account upon my husband 's death without notifying me. Simply stopped accepting my card when I placed an order with no prior notification. When I submitted the information they required to apply for a new card in my name, such as social security card, date of his death etc., they still have not issued a new card. Further, they denied credit card also to my XXXX daughter, XXXX XXXX XXXX who lives in XXXX, Or. and lives on social security and XXXX income from a trust fund.

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 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
XXXX. Capitol one account account was recognized as open I dont have a credit card at all told them I would pay the balance off if they showed as closed in a retaliation they sent in as a charge off dropped my credit score 40 points after I agreed to pay it as soon as it was shown as closed. Now I cant get a loan for my XXXX which is imperative to have to live. Capitol one gave someone a credit card in my name years ago and I took them to court guess they are getting me back for something they did to begin with. I told them I would be glad glad to pay the XXXX they said I owed them for a card I dont own just to save my credit. But they turned in as a charge off not fair I had already cut them a check waiting on the proof of a closed account. And when XXXX  posted results capitol one gave me a charge off. I need this resolved so I can get my XXXX I dont have insurance so I have to pay cash and now there is no way to get a loan with a charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: LA
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:
Ive been disputing the XXXX XXXX XXXX XXXX XXXX and they dont work wit it i want to remove it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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: Public record information inaccurate

Complaint:
I was a victim of identity theft. I have attached report showing the accounts and inquiries that are inaccurate. I have contacted Equifax on multiple occasions, yet Equifax has not removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I reached out to Mr. Cooper in the hopes of getting some assistance with my mortgage payments post being impacted by Hurricane Ian in XX/XX/XXXX. On that date, I was told I might be eligible to have an additional 6 months of forbearance to continue what I had previously since I had not fully recovered from the hurricane damages. I asked if I could take advantage of this program and inquired if this would impact my credit due to being behind at the time of this program being extended and was told that my credit would not be impacted. On XX/XX/XXXX, Mr. Cooper reported to the credit bureau that I was late in XX/XX/XXXX. I have since called to ask for this to be updated to remove the damaging report that caused my score to drop 60+ points depending on the bureau, but to this date, this has still not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
On XX/XX/XXXX I contacted Experian about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened:XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX XXXX Date OpenedXXXX, Balance : {$400.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX XXXX Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX ( Date Opened:XX/XX/XXXX, Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the Experian. I also have the certified mail receipts that I can provide if necessary.

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 2022-11-30
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having difficulty with this company saying that I do not have hazard insurance. After my last complaint, they have changed the claim and said that I do not have flood insurance. Prior to this, the company had never asked me to get flood insurance. However, I did go out and purchase {>= $1,000,000} worth of flood insurance. The purpose of this complaint is to ensure that the company admits that I have bought this flood insurance and reanalyze my mortgage amount to reflect the removal of the forced placed flood insurance that I bought. 

I faxed in proof of this insurance on or around XX/XX/2022. In addition, I am uploading a copy of the declaration page and insurance material with the complaint. 

I file this complaint, as the executor of the estate of XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: SANTANDER HOLDINGS USA, 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:
According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. 

I have disputed the information on my consumer report with XXXX, XXXX, and XXXX on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by Santander. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( Duty of Furnishers ) violations being committed but still the information was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XX/XX/XXXX {$0.00} XXXX COMENITY BANK XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX for 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 instructions 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 explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In the month of XX/XX/2019, the bank chase, closed my account, and does not want to return {$1000.00} that I had in my account, claiming that a deposit made to me by the XXXX  XXXX company was fraud and that the XXXX  XXXX company reported it as fraud, therefore chase informed me that he would close my account and withhold my money, because I would return it to XXXX XXXX, I approached chase to show the proof that everything was correct, but even so they They proceeded to close my account and take my money, to return it according to them, to XXXX XXXX, a situation that has never happened, because as of today, my money is still in the account, I have come several times to demonstrate them with evidence Chase, this was not a fraud, I even have the person who owns the XXXX  XXXX account, I speak with the bank to clarify the situation, but the bank still does not want to return my money, therefore I request that they help me with this situation, Well I was harmed, and actually the person who deposited me that money still tells me that everything is correct.

Company response to consumer: Closed with explanation