BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
my credit report shows XXXX XXXX is collecting for XXXX in the amount of {$690.00} I contacted XXXX in XX/XX/XXXX to inquire about the unknown acct. was informed XXXX no longer owns it and is unable to access records. 
I never had a XXXX account.. I contacted XXXX and requested verification, none has been provided, yet they continue to report the account. I need written proof to substantiate the existence of such account to file police report. I can prove that during the same alleged time frame I had phone service connected for years under my ex account through XXXX and never had my own. tired of being ignored. they have full knowledge they are violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed a dispute requesting validation and asked for conformation on how the bankruptcy information was verified. On XX/XX/XXXX I received an email from Equifax stating my dispute was completed. The letter stated they verified the bankruptcy information through there third party vendor XXXX XXXX. I have a letter from XXXX XXXX stating my bankruptcy information was deleted from my report with them. I called Equifax XX/XX/XXXX spoke with a representative and asked how my information was verified with XXXX XXXX when that information was not in their system the rep stated they dont use XXXX XXXX and said they verify through the courts, I then asked if they called the courts, went to the court house and asked for who they verified the information with, the rep stated she cant tell me, I asked for a supervisor, I then spoke with XXXX who state the courts sends them the information electronically I then asked why my letter stated they verified it through XXXX XXXX the supervisor could not explain why he was giving me different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Kriya Capital, 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:
ATTENTION TO CREDENCE RESOURCE MANAGEMENT ( 11 XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company CREDENCE RESOURCE MANAGEMENT in XX/XX/2019an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX, 2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
As I was investigating the hard inquires against my credit, I noticed 2 Capital One card inquires. One is for XX/XX/2018 and another for XX/XX/2018. I have never applied, submitted my information, or even contacted Capital One or any of it's affiliates. Also- why would there be 2 inquires within 5 days? I would please like further information about this because I am confused. These inquires are negatively impacting me, however, I was not responsible for these hard inquires. If I am unable to solve this problem and they are not removed from my account I will have to file for identity theft or fraud against my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
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:
I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX  however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
The first problem occur in XXXX, XXXX. I was told by a representative that there will be no fees for getting a paper statement. I receive a email that a fee for a paper statement may be charge. The second problem occur in XXXX, XXXX. I tried to dispute a transaction by phone regarding a charge that XXXX approve without my knowledge or any kind of notification. I could not dispute the charge online and that is why I made a call to XXXX. I needed a password to dispute the charge. I had forgotten my password and was told that I should go to my nearest branch to file a dispute. I am a senior citizen and can't get to one of the branches. So I had to call the merchant that submitted the charge. The third problem occur in XXXX, XXXX. XXXX change my address to a address in Florida without my knowledge again. They said the error was made by an employee. And the final one occur in XXXX, XXXX reported to the credit bureau about an over charge of {$11.00} over my credit limited. Why would XXXX report this? They are the one to  approve this transaction and it should not have been approved. I have sent numerous messages without any outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions 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:
Experian/XXXX has a account on my credit report that is not mine and is holding my lively hood up and making me disqualified to obtain a checking account /credit card. The negative item is remaining on report showing a negative effect when it should not be there at all. Whenever I apply for a credit to rebuild my credit score/history the deduct a large amounts of points for inquiries and I get denied for credit. I gave disputed my credit score with Experian letting them know my score should be at a XXXX they do not care about putting me in jeopardy and tell me they have absolutely nothing to do with this. I opened and checking account with XXXX XXXX then a week later I go to the branch located XXXX XXXX XXXX. XXXX, Ca bank representative name XXXX tells me that XXXX chose not to bank with me and is closing my account. He told me he has never seen this happen before. Upon opening this account I was asked who I currently bank with I told them XXXX XXXX and they asked for my account and checking numbers with schools first to offer me a joint opportunity and XXXX deposited a small amount to XXXX  account I was told as soon as the deposit come through to let XXXX know. I believe my information was shared for other purposes other than given to me

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 2019-07-18
Company: Experian Information Solutions Inc.
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:
the accounts on my credit report do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14
Company: Experian Information Solutions Inc.
State: PA
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:
I opened a student loan in XXXX 2011 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$4500.00} go to {$4900.00}????

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 2022-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2019-02-12
Company: EQUIFAX, INC.
State: KS
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 been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I called Citizens bank to change the auto-debit checking account number associated with my payments ( I recently moved from a XXXX XXXX checking account to one with XXXX XXXX XXXX XXXX ). During this call the representative instructed me to setup an new account with their online payment portal linked through their website. After completing this setup the representative confirmed I was good to go and payment would now be deducted from my new checking account ( with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX my payment, {$540.00} was deducted from both my XXXX XXXX and my XXXX  checking accounts and both payment appeared on my loan account with Citizens Bank. As I was on vacation I was unable to call until XX/XX/XXXX when they told me I had to wait until Tuesday to even file the claim and then it would take 7-10 business days for the claim to go through and them to MAIL me a check, this is after they insisted that the transfer was not an auto debit despite me not ever logging into my account or calling them since the XX/XX/XXXX call.

Citizens Bank took {$540.00} from a checking account they no longer had a right to access and insist that they can take weeks to refund the money, this is unacceptable as I was expecting that money to be present in that account. I escalated to a manager but they insist they are unable to do more, to date all I have received notice of is that the claim has been filed, this is at 4 days post notice and 15 days since the unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12
Company: BMW Financial Services NA, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto lease with BMW Finance. 
I have set up auto payment since the beginning of the lease on XX/XX/XXXX. All monthly payment went well except for one on XX/XX/XXXX. 

BMW Finance usually collects $ XXXX monthly via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$79.00} on my bill and collected that amount via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$940.00} on my bill and successfully collected that amount via auto payment. 

According to BMW Finance email, it was caused by their own computer system error. When I contacted BMW Finance via phone, the representative promised to fix the issue.

I did find the payment was made up the next month via auto payment. So I assume this issue was resolved.

A few months later I received alert from my credit monitoring service that there was a late payment and BMW Finance initiated debt collection and reported my miss payment. I ran my credit report today and saw the error went on my credit report, saying that I have one over 30 days late payment. 

While on this auto lease, I have never changed payment source, nor did I change payment schedule. I signed up paperless payment so I did not receive any communication from BMW that I missed payment. In fact BMW Finance was trying to secretly fix their error by making up the amount in the next month 's bill, and collected it automatically, without issuing me any written notice for record. BMW Finance is 100 % responsible for their system error and the representative admitted it via phone.

BMW Finance refuses to provide any written evidence of this issue thus making it very hard for me to  make a dispute to correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: RI
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 opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
XXXX ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically Experian, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

Experian has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed 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 explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have tried to removed several addresses from my credit report that are not deliverable by usps and are very old and have errors and are damaging damaging to credit file health. Experian has not remove one address at all.

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 2018-01-17
Company: AES/PHEAA
State: MA
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:
Submitted in XX/XX/XXXX./XX/XX/XXXX my annual certification for my Income-Based Repayment plan. I was informed I could switch to the Revised Pay As You Earn plan, which I completed successfully. In order to process it with XXXX XXXX, they asked me to pay a full payment ( even though I was already approved for a lower payment amount ) as a " forbearance payment '' and it would be switched in XX/XX/XXXX. 

I was properly placed into the Revised Pay As You Earn plan and the new payment amount was also properly set for my direct debit plan. I called XXXX about a difference in my next bill of around XXXX {$160.00} ( difference between my new monthly bill and my former payment plan ) and was told it was an error in their billing software/department and would be corrected by the next bill. The next 2 bills continue to be in error still. 

I 've now called them three time about this issue, around XX/XX/XXXX/XX/XX/XXXX as aforementioned, in early XX/XX/XXXX and now on XX/XX/XXXX. All three times they say it is their company 's issue, they will put in a support ticket to have it fixed and have it expedited, and that it would be fixed in a week or two. They have failed to complete this promise at least twice. 

During my call on XX/XX/XXXX between XXXX - XXXX, I spoke with XXXX ( ID # XXXX ) and supervisor Mark ( ID # XXXX ) who stated that Mark was able to make the correction in the system after 3 minutes, while he put me on hold, and that the correction would be visible to me via my account online in 24-48 hours. He also promised that the fake delinquency would not be reported to any credit agencies until after 90 days. 

My complaint involves two major elements : 1 ) correction to their billing software, policies and procedures, to ensure that other customers do not receive false billing statements and threatening letters due to their mistakes, and 2 ) that the required " forbearance '' payment be investigated for its legality. If it is a normal occurrence, then this information should be shared widely and very often to customers who select any payment plan and again before they switch plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: FL
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
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 have previously disputed with XXXX, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation