BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently was made aware that a new collection item appeared on my credit file. Upon reviewing the information I was able to verify that this does not belong to me. I have never received treatment for any medical procedures and I do not owe any medical bills as I have health insurance. I have contacted this company and requested a copy of the original bill. The company failed to provide me. I have disputed this with the credit bureau and it is showing as verified. This is incorrect.

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 2022-03-15
Company: Capio Partners, LLC
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: Account status incorrect

Complaint:
I received a letter from Asset Care ( Also called Capio Partners ) in XXXX. The letter was addressed to XXXX XXXX XXXX XXXX. I do not have a mailbox at the physical location of XXXX, nor do I get mail at this location. I only get mail to my XXXX XXXX which is XXXX XXXX XXXX. 

I live in a small town and while I eventually received this letter, between the holidays, I didnt actually get this letter till the end of XXXX. 

I have been receiving XXXX XXXX XXXX letters about this debt for years. I have always sent in a debt verification letter at which point I never hear from the collection agency again. I was going to ignore this letter, assuming it was the same old incorrect debt. However, when I logged into my credit report I saw this being reported. Based on that I sent in a debt verification letter on XX/XX/XXXX. I have never heard back from this collection agency. 

I assume this debt is not my debt like the others. I had a debt with XXXX XXXX XXXX from around XXXX which showed up on my credit report, I dont remember the amount. I called the hospital and paid the bill directly in full. The debt stopped showing up on my credit report a few months after I paid the debt in full. I dont recall any other debts with XXXX XXXX , and I especially do not have any unpaid debts. 

In XXXX I started getting collection letters about this debt from XXXX. This debt while similar to mine, is not my debt. And if, which it is not, it was my debt why is it being reported a second time when it was paid. Even if it was not paid why is it being reported with a start date of XX/XX/XXXX when the start date was XX/XX/XXXX and I didnt even receive a letter about this until XX/XX/XXXX? You cant re-report a debt, you cant report a debt twice and you cant report an old debt as new. And again, that all is a moot point because this isnt my debt. 

I would like this debt to stop being reported. I have never received a debt verification letter. They continue to report it on my credit report. And since it appears as a 3-month-old debt it has dropped my credit from XXXX to XXXX. You dont get a credit score of XXXX by not paying debts. This isnt my debt. 

I am attaching all the letters I have gotten, not just Asset Care but asset care if the company in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian consumer report states 24 potential negative months with XXXX XXXX. This account original charge off date reflects XX/XX/XXXX since this date either XXXX XXXX is reporting on several different dates ( XXXX ) as charge off dates when it should only reflect 1 charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that XXXX XXXX has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if XXXX XXXX has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XX/XX/XXXX-XX/XX/XXXX and it does not have anything from or for XXXX XXXX . Eitherway this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An individual fraudulently opened a XXXX XXXX XXXX credit card under my identity using a different address. The balance on the fraudulent account has now reached {$33000.00} with a charge off status, causing my credit score to drop by over 200 points and completely ruining my previously impeccable credit history. Despite my efforts to have this fraudulent account removed from my credit report, my requests for justice have been ignored by XXXX and Transunion. I sent certified mails to the credit bureaus, but did not receive any response. There's no evidence of investigation. This fraudulent account still stays on my credit report as I am submitting this report. 

I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.

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 2023-12-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone stole my credit card information and made purchases on XXXX through her XXXX account. I called XXXX and I found out that the person who used my information without my authorization was my ex girlfriend where we broke up 2 years ago. I haven't seen her since then and I've never gave her my credit cards or authorized her to use my cards. I already filed a police report and an FBI report against her. Also I have an appointment with a lawyer next week. I contacted CITI to dispute the charges and they sent me a letter where it says that I knowingly provided access to my financial information, including credit cards and bank accounts which implies the authority to act on my behalf. They're asking me to pay otherwise they'll report 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 monetary relief
Consumer complaint received 2020-03-06
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WELLS FARGO & COMPANY
State: IL
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired onXX/XX/2019 XXXX XXXX XXXX, Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: John C. Heath, Attorney at Law, PLLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Sometime in XX/XX/XXXX and in XX/XX/XXXX, I signed up with XXXX XXXX XXXX  to begin improving my credit for {$100.00} per month. They stated they would do so by filing disputes with creditors and credit agencies. I asked both times if the disputes would have any negative impact on my credit and was told they do not hit credit will not damage my credit. On XX/XX/XXXX I submitted an application for a pre-qualification for a home loan. The mortgage broker explained to me that the disputes were holding me back from being able to get a home loan and keeping my score lower. After speaking with XXXX XXXX of XXXX XXXX in the XXXX office she told me she has known since the beginning of her employment 1.5 years ago that the disputes, in fact, were impacting customers ' ability to obtain home loans. This means XXXX XXXX has been withholding that information from their customers thus influencing our decision to work with them. I don't think it's going out on a limb believing that other manager level team members at XXXX XXXX knew this information even before XXXX began her employment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-30
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 fraud alerts or security freezes

Complaint:
Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, XXXX, and Experian, but I was unable to complete my request. The Experian site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXX XXXX account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX  XXXX XXXX account # XXXX XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud

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 2020-03-06
Company: ID Analytics, Inc.
State: NJ
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: Problem getting your free annual credit report

Complaint:
this is in reference to previous complaint # XXXX. 

Sage stream continues to violate FCRA by continuing not to honor my mailed in request with documents proving my identity. This has been going on for 6 months. I submitted the documents that suitable to verify my identity, by certified mail on 2 separate occasions. 

certified mail # XXXX delivered and signed for on XX/XX/2020 certified mail # XXXX delivered and signed for on XX/XX/2020 SAGE STREAM 's failure and continuance to deny my request for security freeze and copy of consumer report, will lend to a filing of suit at a legal venue near me. This will be my last request for them to honor my documentation or I can see them in court and a let a Judge decide on who was correct on suitability of documents. Northing in the FCRA says I must submit online and I will not be using online means to facilitate my

two requests. I've submitted my two request via certified mail on 2 separate occasions the next certified mailing will be for legal remedy this is my 4th and final reques
t.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed some inaccuracies on my credit report i brought it up to XXXX Experian and XXXX they told me they were going to take care of the problem but they never did. its effecting my credit report and score.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM VERY UNSATISFIED WITH XXXX THEY SAY THAT THEY SEND OUT A STATEMENT DO THEY HAVE NOT SENT OUT ONE THEY LIED TO SAY THEY WAS DOING INVESTIGATION ON THE DISPUTES THEY HAVE NOT DONE ANYTHING NO SENSE ANY INFORMATION I HAVE REQUESTED THEY KEPT DENYING MY REQUESTS AND DISPUTES I AM ASKING DID THEY OPEN THIS CASE CONCERNING THE DISPUTES WITH XXXX they said they sent out letter to me they have lied and continuously lying perjury on government document

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 2023-12-29
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Somebody got access to my bank account so I went to my bank which is Santandar and they close the account. We went through the fraud department. This was in XX/XX/2023. It is now XX/XX/2023 and they are so refusing to refund me all my money I give them a police report statements everything that they have asked for theres over {$13000.00} that was withdrawn out of my account and they froze my old account once I went to, the fraud department and they told me that it was frozen and with that they still let funds go on the frozen account I gave him a police report. I went to the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  was created as well and they saw that it was fraud, so I had those notes sent in, they owe me {$13000.00} and they are refusing to give it to me even though they are insured attached is the link to what happened I went public with it https : XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a long time victim of Identity Theft and I have submitted multiple police reports to Equifax, report number, but Equifax has not removed the fraudulent accounts listed in the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
So when I called Navy Federal Credit Union about paying on my loan they told me I had three loans with them and I only have one that I got merged in XXXX or XXXX maybe XX/XX/2019 around that time and I havent made a payment because their asking for more than my payment was suppose to be and thats like {$250.00} and I was planning on giving them {$500.00} to be back on track with my loan. I just want to know how do I have three loans with them? Or find a solution that I can work with paying them their money! Or I wont pay at all for the misunderstanding or disruption with my only loan I have with them. Thank you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Over the years I have disputed that the payment history on my student loans was being reporting inaccurately. There are several months reported as late when they should not have. During the period reporting as late, XX/XX/XXXX-XX/XX/XXXX, I was granted a forbearance which covered the payments and removed my obligation to repay the loans for those months. Despite making an arrangement with XXXX  which removed my obligation to pay, the payments are still reporting as late.If I had no obligation to repay, then there is no way a late payment can be accurate. In XX/XX/XXXX- XX/XX/XXXX they reported my loans the same way despite having an arrangement which removed my obligation to make payments during the time frame. I am unable to dispute this information with creidit bureaus directly online for some reason. These erroneous entries are affecting my ability to obtain necessary financing for essential purchases which contribute to my ability to earn a living. I requested a copy of my approved forbearance requests but only received information for XX/XX/XXXX-XX/XX/XXXX. I will be making a second request for the forbearance transcript from XX/XX/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