BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Ditech Financial LLC
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX report account # XXXX to Experience credit bureau as foreclosed, despite the fact that it has been never happen. The property was sold in the regular course of business, as proof to it attached 1 ) Condominium unit deed, executed by me ; 2 ) Discharge of mortgage ; 3 ) letter from XXXX XXXX XXXX XXXX XXXX, stating that account has been paid in full. I communicate with XXXX XXXX XXXX, XXXX,  requesting to clarified error and send me a letter of correction. Despite assurance to do so they neglected. I send them a letter to request set for information, however no response was follow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit has been negatively affected by false claims about a debt and balance reported by JPMCB Card Services. XX/XX/2020 XXXX  reported a charge off - XX/XX/2020 - XXXX  reported payment after charge off - XX/XX/2020 XXXX  reported legally paid. These claims are false, I paid a debt not owed to save my credit and my credit is being unfairly impacted. Dates, amounts, balances, acct holder all inaccurate. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Resurgent Capital Services L.P.
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:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Premium Credit Bureau
State: KY
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:
XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX  credit report. 
XXXX  refuses to remove them also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Applied Data Finance, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : PERSONIFY Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently bought out and transferred to PHH mortgage on XX/XX/XXXX. My property taxes were due XX/XX/XXXX and when I contacted their customer service to make sure with the transfer and everything they were paid - they stated yes Im all paid up for XX/XX/XXXX taxes. According to their records next payment is not due till XX/XX/XXXX. Next comes a surplus check from an escrow analysis done XX/XX/XXXX saying I have an overage in my account. Its clear to me they havent made any payment for XX/XX/XXXX, so I called XXXX county treasurer and sure enough no payment, they stated that a certified letter is being mailed and there is a penalty added to it of XXXX. I then reached back out to mortgage company and they gave me a fax number to submit the bill along with a letter of service error. I have submitted these documents to them on XX/XX/XXXX. I have checked my account online as of XX/XX/XXXX looks like they made a payment to county tax but when I call they just state the facts of what I already see. I have contacted treasure office but they havent received payment yet. Its very frustrating because I cant seem to get a straight answer from their customer service. They are reading off a script and keep putting me on hold to try to get more information but then state everything I already know. They should be able to provide me with more specifics as when the payment is mailed out when they expect it to get there? Are you covering the late fees. This should all be well documented. At this point I am in limbo waiting to make sure XXXX county receives the payment. Im concerned that there will be a tax lien put on my property due to this companies failure to do its job with my escrow. Please advise if any further information is needed Im looking forward to this being resolved as soon as possible,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Nelson Cruz & Associates LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt popped up on my credit report this year. I have no clue what this company is or who they represent. It should be against the law for this companies to just pop up on your credit report without contacting the consumer first

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I know I don't deserve this erroneous information credit bureaus are placing on my credit report. I have always been a responsible payor. I am very disappointed because they did not fix and correct the late payments..CFPB please step up and fix 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 2020-07-03
Company: Rocket Mortgage, 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:
An inquiry was made to pull my credit report. Quicken loans does not have my authorization in writing. They used deceptive practices to have me verbally agree to a credit pull. They did not explain that my credit would be pulled. Also, I did not qualify for a home equity loan since I have zero equity in the house. This is the question that should have been asked first before pulling credit. They called me as a telemarketer trying to get me to get a home equity loan, I was not interested in. Not once in the call did the person even state that this was for a home equity loan. I guessed that is what the call was for. I have never had a problem with companies pulling my credit score unauthorized before. Most companies explain that your score will be pulled and ask you if you agree. It that had taken place I would have said no. 

I spoke to the company and I was told that I agreed when the salesperson asked me to confirm my birthday so he could check to see if I qualified. That statement is not a clear authorization to pull credit. The company refuse to remove it from my score and honestly its unfair that I have to ask them to. Its not in their interest to help me or make my life easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: MD
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:
Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.

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 2021-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for XXXX and Equifax besides the companies which I spoke with explaining my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: PNC Bank N.A.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PNC Bank fraudulently and through racial discrimination gave me a mortgage loan that was higher in interest than what was charged to a similarly situated white male. I was charged excessively for an 80/20 loan. They still continue to harass with calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: U.S. BANCORP
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was paid in full - and due to fraudulent activity charges were made to my account. After many conversations with US Bank, these transactions were reversed, confirmed that they were fraudulent, but US Bank never contacted the credit bureaus to wipe the late payments from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Sent two emails in XX/XX/2021 to XXXX advising them of an address change, never heard a reply back from Nelnet. Spoke to XXXX at Nelnet on XX/XX/2021, he advised that they have two different systems, I provided him the updated address which is : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. 

Please confirm that this is the address that I will be mailed the post discharge monitoring form. Also, please confirm that I am in the final year of the post discharge monitoring period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Aldous & Associates, PLLC
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:
I've been disputing fraud accounts on my credit report since XXXX 2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
avient, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as Navient, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, Navient and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: ID
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:
Credit Bureaus told me that XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on 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 2019-09-06
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019, I applied for a new account with the bank. I was denied with a generic rejection notice and given no specific reason for the denial. I contacted the bank via the phone customer service number and they were not able to provide any details as to why I was being denied. I previously had an account with this bank and had no issues. I had closed this account a few years ago and never had an overdraft or any other type of misuse of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: United Student Aid (USA) Funds
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, USA Funds, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as XXXX, USA Funds, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and USA Funds ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions 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:
Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) 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