BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the collection agency to pay the amount due in Early XX/XX/XXXX. We came to an agreement that if I paid them they would update my credit report to show I paid. I did as they asked, they sent me a letter to show I was confirmed to be paid in full. They did not contact any of the three credit bureaus to update my credit to show paid in full. " Months '' went by I noticed not too long ago or currently that there still has been no update. I contacted the collection agency to ask what is going on with my account. The woman I spoke with told me they were not going to change my credit report update because I took too long to call them back about updating the credit report. I thought that I was paying them so that they would change to pay? She told me yes I'm paid in full, even sent me a new letter from their company stating I'm paid in full dated XX/XX/XXXX but told me they are not going to correct my credit report. I need help, I paid them and they still have me as a charge off on my credit report for ( XXXX XXXX/XXXX  ), ( Jefferson capital systems , LLC. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: John C. Heath, Attorney at Law, PLLC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I kept denying to get my frist personal loan and I'm new to credit score and I have a payment in like 3 more days left from today ... why can't I get one? I have bad credits or good credits I just started I should be able to get a chance so that I can fix my credits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid 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:
Original dispute filed with American Express for a charge of XXXX made to XXXX in XXXX of XXXX for the event occurring in XXXX. When XXXX was canceled On XX/XX/XXXX I originally disputed the charge with AmEx and they removed it, then received an alert that my card would be recharged for the amount. Because American Express partners and supports XXXX they are not providing my refund despite the fact that the event did not occur due to COVID-19. Neither XXXX nor AmEx has offered any consideration of the fact that I have now been charged for an event that did not occur. I have received no product or service from this purchase not has American Express tried to resolve it in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 went to the XXXX police department to have them sign my Identity theft victims complaint and affidavit with my federal trade commission identity theft report so it will support my request to block the fraudulent accounts in my credit report. please see attached updated reports with my Drivers license and social security card current copy of my utility bill for my identity.

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 2019-05-30
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent an investigation request to Equifax in late XXXX. Over 30 days have passed and I have yet to receive a copy of my completed investigation results in the mail. I even sent a follow-up letter a couple of weeks ago, and that has received no response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX To whom it may concern : I would like to file a complaint against Bank of America, almost 2 years ago, I had, had a credit card account with them. I am XXXX, and in early XXXX I ran into a period where my illnesses were at a very low point. 

The balance that Bank of America is reporting to the credit bureaus regarding said account, I did not charge up. This balance was ran up by the bank with excessive usury charges and fees. 

The status dates that they are reporting to the credit bureaus, are inaccurate, in XXXX of XXXX, I had, had no dealings with them. 

Bank of America is intentionally placing false status dates onto my credit files, so as to further ruin my credit, and to re-age this debt, making it seem that the debt is from XXXX, and that is not true. 

They are placing 120 day delinquencies onto my credit files for, XX/XX/XXXX, as well as XX/XX/XXXX, when I had no dealings with them even earlier than the XX/XX/XXXX payment date that they are reporting. 

They want the account to look as though in XXXX, I was having dealings with them, and that is false information. 

I do not owe the {$770.00} balance that the bank is slandering my credit files with. As stated, that balance was ran up by the excessive charges, and fees that the bank has placed onto that account. 

Last year there were many phone calls that were made to my cell phone by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 
I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling regarding this credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XXXX XXXX, 2017 my daughter wired {$2500.00} from her Wells Fargo Account to a XXXX XXXX XXXX Account for an apartment she was planning on leasing in XXXX. After learning of the wire transfer I did some investigating and it became clear that she was scammed. I had the account number for the scammers XXXX XXXX XXXX account and called and tried to stop the transfer. I was told by a XXXX XXXX XXXX rep that the transfer was in progress and Wells Fargo needed to call XXXX XXXX XXXX to stop it.. Simultaneously, while I was on the phone of XXXX XXXX XXXX, my daughter was calling Wells Fargo to advise them of the scam. Throughout my call with my daughter I continued to text her to find out how the call was progressing. She texted back and told me she explained the situation but kept getting put on hold. Approximately, half an hour after she made the call to Wells Fargo she was told that the bank was opening a case. She was given a case number but when she called the next day, Wells Fargo had no record of the case. She had to explaining the situation again and was given a new case number. Needless to say, the money was taken by the scammer Wells Fargo did n't even speak to XXXX XXXX XXXX until XX/XX/XXXX ... one day later! Wells Fargo maintains that they are not responsible for the loss. I maintain that Wells Fargo is responsible for failing to take appropriate action and contact XXXX XXXX  XXXX while the transaction was in progress.

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 2018-07-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX Over 15,000.00 worth of fraudulent charges were placed on my account by a merchant that used a company called XXXX  and XXXX to Spoof fraulent charges placed upon my bills that appeared to be legitamate after hiring a private investigator we found out this was done by XXXX XXXX and an internet identity crime ring located in XXXX XXXX Nevada. They hit all my credit cards and all of my credit cards investigated the frauds and removed the Fraudulent Unauthorized Charges. 
However one creditor despite sending them over XXXX pages of supporting documentation has dragged its feet for 4 months and as of XX/XX/2018 now refuses to remove the fraudulent charges despite having a zero liability policy for fraud. They initially showed a balance of XXXX which is because it took 3 months from the time the fraud began for me to discover it and I paid for charges that were for products or stores that didnt even exist. 
The creditor is Synchrony Bank which issued me XXXX XXXX Mastercard, I have refused to pay for these when I discovered I already paid for a significant amount of the Fraud and the creditor is showing 30 and 60 day derogatory entries in its data it furnishes the Credit Reporting Agencies.

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 2020-05-13
Company: CITIBANK, N.A.
State: NC
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 is reporting I have an account with them and I have never had an account with them. 

Citicard Cbna has an account on my credit and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reached out to TransUnion several time in efforts of having the incorrect information removed from my credit report. Unfortunately, the customer service agent I was connect with would not help and take care of the negative inquiries reporting to your credit report. After informing them that I was a VICTIM of their inquiry issue. 
I have listed the inquiries below : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX I Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/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 2021-02-05
Company: Santander Consumer USA Holdings Inc.
State: DC
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 never had a drivers license I can not even get behind the wheel I have XXXX  XXXX  I have a problem with XXXX  and XXXX  I am on able to drive a car permanently I got a police report I did a fraud report I am not got a resolution yet and its been since 2019 when I found out about the fraud with Santander consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Credit Systems International, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Systems international Date : XX/XX/XXXX- {$310.00} XX/XX/XXXX- {$33.00} I have disputed this account with the company and the credit reports several times. The XX/XX/XXXX for {$310.00} has been removed several times and added with different dates and/or amounts. The XX/XX/XXXX was added and deleted several years ago, due to the creditor not being able to verify the account. I have sent the company a debt verification letter to verify the account, the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: 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.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  : XXXX XXXX  ACCOUNT NUMBER : 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 2017-12-11
Company: RESOCORE ASSET MANAGEMENT
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I agreed to settle this account for a specific amount. They sent an email confirming the settlement. They agreed to send me a letter confirming the settlement after payment was received to the credit reporting agencies and myself. 

I met all the conditions but they now do not take my calls, emails and the credit reporting agencies have not been notified. 

The company involved : Resocore Asset Management XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Representative : XXXX XXXX XXXX XXXXXXXXXXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Vanderbilt Mortgage and Finance refused to foreclose on my mortgage after I filed for Chapter XXXX bankruptcy without reaffirming my loan back in XXXX. They stated that as long as someone was paying the payments they were allowed to accept them. My ex-husband, whom was never listed on the loan in any way, continued to call in and make phone payments on the loan. In the past year they have also added more money to the original loan to pay back property taxes that accrued and were owed from the time I was released from the debt. I was told several times that this was legal and that although they have never changed the loan into someone else 's name, they will continue to accept payments from whomever is squatting there. I called back in XXXX to ensure that my information stays confidential and made it crucial that my personal information was not shared with my ex-husband due to a restraining order and other domestic issues. The account representative then spoke to my ex-husband and shared not only that I called and requested this, but also shared my contact information with him at the time. I moved in XXXX and updated my mailing address with the mortgage company to keep track of the loan that is still in my name. On XX/XX/XXXX an account representative allowed my ex-husband to call and change addresses to get my information including my new home address, and he was able to get my loan information sent to him directly. Vanderbilt has breached my confidentiality on more than one occasion and this needs to be investigated. I am not only responsible for HOA fees where my mortgage has not been foreclosed and my only recourse is to evict my ex-husband that is squatting there, but now I am in danger due to the breach of my personal information by Vanderbilt and his new ability to find me at my new residence. I have called several times to share this with the company and they state that because I am not longer liable for the loan due to my bankruptcy that they are now allowed to talk to anyone that calls about the account whether they are authorized or not. This is not okay!!! If they are allowed to talk to other people then they need to take my name and personal information off the loan and change ownership of the mortgage!! I have been dealing with this issue for several years and I hope someone can shed some light onto why this is happening and how to fix the problem. I should not have to deal with this for 30 years.

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 2020-05-13
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: Account status incorrect

Complaint:
XXXX in its usual fashion made false claims in consolidating student loans for nearly 20 years ago and reissued paperwork for me to sign alone even though it was no longer valid for collection purposes with the thought that I may have a chance to going back to school. Despite allowing them to get away with that fraud they now have ruins my perfect payment history by instituting XXXX 's payment during a pandemic and somehow miraculously charging me a hundred and twenty days late now. First and foremost this loan is inaccurate and has never then used for XXXX as they claim but also to ruin someone's credit during a pandemic when you ordered the president was to defer those payments is it illegal immoral and another reason why they shouldn't exist as a company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received a call from someone claiming to be with student loan forgiveness. I did not provide them any information and hung up. The phone number that called was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2017 Enrolled into a school program. XXXX  XXXX XXXX .The student council signed me up for loans I didnt agree on. Once i learned about it I stopped attending altogether believing that would stop the loan however they continue to collect on my behalf.

Company response to consumer: Closed with explanation