BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has a " copy '' not the original lease documents. The lease does not show my signature on there and no evidence of an drivers licenses this is surely hearsay and is inaccurate. I never lived at this place and I was a victim of identity theft. This needs to be removed off my credit immediately. This is against the law. This is not the original lease nor does it prove anything. My social was not only compromised but it is not even shown on the lease. If this is not taken care of this will go into litigation. Have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 7191 may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Skopos Financial, LLC
State: AL
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:
Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.

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 2021-09-03
Company: MARINER FINANCE, LLC
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am livid and I am tired of being ignored, violated. Experian is repeatdly lieing to me about verifiying accounts on my report. I have proof and copies, that they have not accurately been reporting, validing the request i send in. I need help in enforcing the rights I have as a consumer to fix these repeated ongoing issues.I have taken the time to list each account for ISSUES and REASONS OF INNACCURATE, UNVERIFIED AND SHOULD BE DELETED. I have provided copies of request that i have certified copies they received with this information dated back to XX/XX/XXXX. 

XXXX XXXX ACCOUNT XXXX ... -- - ( XXXX ) *Reporting late 30 days 23 times! shouldnt it have been XXXX????? 
*if that was the case how is it PAST DUE in XX/XX/XXXX? isnt this reaging? FCDPA VIOLATION *I have been disputing this for months how is the Date of Status XX/XX/XXXX? Violation of FCRA *How and WHY are you reporting payments on a charged off account? 
*why is the chargeoff amount XXXX when you say I am past due XXXX? 

Do you see a pattern of this? This clearly has not been valided, nor verified and should be deleted! 

XXXX XXXX # XXXX .... 
* Date of status is incorrect ( i have been disputing the validation and verification for months ) This provides this account hasnt been updated ( DOIA ) FCDPA and FCRA *XXXX XXXX is the month and date of the inaccurate reported charge off *How is this past due XX/XX/XXXX of XXXX when you charged off the same amount 2 years ago? 
*NO TERMS BEING REPORTED *NO MONTHLY PAYMENT AMOUNT.

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 2021-04-12
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no clue what the debt is for they will not tell me they are rude and not willing to help resolve the issue. They call 5x a day atleast at all hours and have taken to calling my parents who have nothing to do with whatever this is multiple times a day causing issues there.

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 2020-06-27
Company: National Credit Adjusters, LLC
State: LA
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:
National Credit Adjusters is reporting that I have a new debt with them starting on XXXX.This is incorrect, the debt was purchased from XXXX XXXX and is scheduled to fall off of my credit report next year. They are falsely putting this on my credit report as a debt that started in XXXX. The debt was not their debt they purchased and are trying to restart the debt. This is in violation of the Fair Debt Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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/XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute filed ftc reporting public records when I opted out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency portfolio recovery associates XXXX .acct # XXXX .Please escalate to have this collection removed not mine all my current debts are paid in full.This is inaccurate and outdated fraud collection agency my bankruptcy was over 20 years ago all accounts discarded in bankruptcy.This collection agency is sending out old outdated information not my accounts would like them to cease from sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was charged interest on promotional charges with Lowes on several occasions over the past few years, on the latest one on that expired on XX/XX/XXXX I was told by a lowes credit expert that I had a grace period to pay the interest of 30days and not be charged the $ 4700+ in interest, I immediately paid it within the 30days. I was also told that the previous charges that they had ran up on me of promotional interest were going to be waived due to this and the fact I had paid thousands of dollars in interest already. 

Since such time I have spoken to Lowes on 4 different occasions including 2 managers that keep telling me that this will be " taken care of '' within 24-48hrs and I had original transcripts of when that was said. I am sure there are notes. The latest notes would indicate per XXXX I owe and agreed to pay {$150.00} and that would clear the entire account. I waited another week it has not moved to that amount. I spoke to XXXX one of the " managers '' who felt the need to argue with me that she couldn't just make it go away and I tried to explain that this was 4th time I have talked to someone and that I was going to file a complaint and needed some real results and I am not Paying interest that i don't owe and especially when I was told that I don't have to pay it by more than one lowes representative. I need help to clear this once and for all and get transcripts and phone calls etc.

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 2020-07-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase opened a Chase Freedom Unlimited Card after applying and getting accepted for the Chase Freedom card. As per the terms I spend over {$500.00} to receive the equivalent of {$150.00} account credit. I always paid my bill on time. Nevertheless my account was closed by chase within two months. I was told I could still use the points I had earned. I made many attempts to use the points online starting on the day I got the letter that my account was closed. Despite continued on time payments I have made many efforts to use these points starting on the day the account was closed. I have been unable to use the points and recently they disappeared from my account. I called chase and was told I would be able to use the points starting the next day. The next day I got a letter saying that because the account was closed through no fault of my own I would not be able to use the points. Despite the closure of my account I continue to pay my bill every month in keeping with the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
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 was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I believe that Wells Fargo has miss used and miss representing my funds and charging for fees that I have not aquiered Im being charged for overdraft fees I did not do they hold money for payment then wait a week later and say I owe them money and fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Around XX/XX/2017 my account was closed by BOA for suspicious activity on funds that were deposited by an authorize person I had given my card to due to my illness. My account was then closed by BOA. I called several times to follow up and even disputed the fact that I was not the person who deposited the funds so I was unaware of the situation that had occurred. When closing the account, a charge I dispute months early due to debit card fraud was placed back on to my account stating I owed them. I then asked to dispute it again and they said I could not due to the account being closed. Now I have negative reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: JH Portfolio Debt Equities, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XXXX XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. XXXX is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to JH Portfolio Debt Equities. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from XXXX. This letter was sent in XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I receive a letter from JH Portfolio Debt Equities stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a XXXX statement dated XXXX/XXXX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.

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 2021-09-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX - XXXX is reporting a debt on my credit file that I do not owe. This debt is erroneous and I can not believe this is still reporting on my credit file. 
This debt was paid years ago and it needs to off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has consistently misapplied payments and now for the second time has only credited me with a portion of a payment with the remainder missing in their system. I utilize online bill pay through XXXX XXXX  and I believe the payments are electronically sent to Navient. 
I make two separate payments to Navient. One for Federal loans and one for Private loans. This month, for my XXXX XXXX payment, Navient properly applied my {$150.00} payment for private loans. For federal loans I made a payment of {$1300.00}. They have applied {$1200.00} toward my federal loans, putting me in default. They have a ticket in to find the remaining money that I paid and I have provided a copy of my online statement showing the payment being made. A similar situation happened several months ago and was resolved but I do not have any paperwork for that instance. 

For payments made XXXX XXXX, XXXX XXXX, and XXXX XXXX, Navient improperly applied {$170.00} each month from my federal loan payment to my private loans ( instead of applying {$150.00} to my private loans each month they applied {$270.00} XXXX. Always the same amount, always putting me in default. Each time they rectified the situation but if I was n't constantly tracking I would have potentially remained in default and lost benefits for being in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent transunion 3 different letters on 3 different occasions about a couple of things that are on my report reporting incorrectly that should not be there. I ve repeatedly asked them on several occasions to either show the accounts as simply delete them all together. Ive asked them to provide me with documentation on how these accounts are showing this information and they haven't provided me with one shred of evidence. They say they got the chapter XXXX bankruptcy information from my lexis nexus account but that account is frozen. Therefore that is false information. The court that they also said I'm bankrupt threw said they do not give out information to credit bureaus at all so how are they getting this information to put on my profile? If this is not resolved in timely manner I will be taking legal action. 

the accounts are as followed Chapter XXXX bankruptcy 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 2017-12-06
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CARTER-YOUNG, INCXXXX is trying to collect on debt that is not mine. CARTER-YOUNG claims I owe {$350.00} toward a medical/health care. I spoken with a representative via telephone and have verified the XXXX XXXX they 're looking for does not share the same SS #, yet a " collections '' notice exists on my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a Validation letter to XXXX XXXX on XXXX XXXX, 2017, to Verify that this debt is my debit. I waited 30 days to see if they would send a response to my letter. I waited 30 days and they still have n't replied to my request. I have attached proof that they received the letter I sent to them certified. I have attached the proof that they received my letter as well as a copy of the letter that sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I had a deposit clear in my chase account after the 10 day hold ( it was a large amount ) and become available in my account which I have photo evidence of only to have my account then locked and access to my funds denied and withheld even after clearing the 10 day hold with no problem whatsoever then after closing my account still having denied me access to any of my money they sent me a check for {$18.00} instead of the {$230000.00} that was in my account at the time of closing and I also have my final statement from chase showing a closing balance of {$230000.00} not the {$18.00} they sent me and further more it clearly states in black and white on my final account statement the last transaction was XXXX check charge for the amount of {$230000.00} yet to date and its now almost XXXX I have still yet to receive that check they made for {$230000.00} nor any explanation as to where it is and why I havent received it or any of my money that was in the account at the time of closing Ive called and called Ive gone to multiple branches and Ive been left with more questions nobody will help me and frankly as a whole JPMorgan Chase has overall been rude and disrespectful to me not helpful or honest at all and extremely unprofessional at any level I dealt with how they can do this to somebody is beyond me and absolutely ridiculous thing to do

Company response to consumer: Closed with explanation