BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: R.M. Galicia, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several efforts to resolve this matter directly with Progressive Management services I have never done business with this company and there is no signed agreement with the company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.

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 2018-07-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.  My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2017-08-01
Company: Blitt and Gaines, P.C.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mo. XXXX, and their attorney, XXXX XXXX, of Blitt and Gaines, P. C., Attorney at Law, XXXX XXXX XXXX, XXXX, IL., XXXX, are trying to collect on an alleged debt that has reached the status of State of Limitation and are trying to collect on a debt that XXXX XXXX XXXX, failed to validate upon request in XX/XX/XXXX. They are also trying to collect on an alleged debt from someone ( that being me ) who is retired and have been retired since XX/XX/XXXX, an entire year before XXXX XXXX XXXX made their first attempt to collect. Also, XXXX XXXX of Blitt and Gaines has committed fraud by advancing a writing ( a fake judgement ) that they know is false with its intention to be detrimental to me by use of interstate communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: FL
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:
I sent letters out certified over 60 days ago and have not been notified and as a consumer i feel like these people taken advantage of normal people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed consumer complaint # XXXX, which outlines the beginning of a series of harassing calls by both XXXX XXXX and National Credit Adjusters, but I will summarize the events here. I received multiple unsolicited communications from a company named XXXX XXXX, which I later learned was hired by National Credit Adjusters. National Credit Adjusters had previously communicated with me over the phone and via voicemails XXXX which I retained XXXX that they had filed a lawsuit against me in XXXX XXXX. Per public records, no suit had been filed since they first started contacting me back in XXXX ofXX/XX/XXXX Clearly, this was an intimidation tactic used to gain compliance. NCA later hired XXXX XXXX to start contacting me, and again, no suit was filed. After several requests for XXXX XXXX contact me by mail, it wasn't until I submitted a complaint to the CFPB XXXX noted above ) that they ceased contacting me. This is when National Credit Adjusters started calling me again. I, again, asked them several times to send all communications via mail, but they have continued to call - a clear violation of consumer protection laws. XXXXPhone call. XXXXPhone call. XXXX call. On each call, asked for mail communication NCA has yet to respond to the consumer complaint # XXXX I file with this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from PennCredit Corperation, Penn Credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX, stating that I owe {$2300.00} for 2015 Taxes in the State of MD. I have called to discuss and was yelled at by the companies representative while also being told I should not contact the IRS because they won't have the information about the debt due. I have never lived in MD not have I even visited. I assumed it was identity fraud, however the only fraud I see from research into my own social security number is that of this company associating an arbitrary debt owed by myself. As this company has a physical address and employees responding to XXXX reviews, I would appreciate it if your team can investigate the company 's legitimacy. As the company is impersonating a federal contractor, I would imagine that they have been issueing statements similar to mine nationwide and it's quite discussing. This amount of money could ruin somebody's life and cause an extraordinary amount of stress on a family struggling to survive financially. It may be overboard to say, but fraud such as this should be considered an act of public terrorism. 

Thank you, Looking forward to hearing back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - XXXX XXXX, XX/XX/2021XX/XX/XXXX - BK OF AMER, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021

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 2020-08-26
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX/XXXX, NATIONWD REC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, NATIONWD REC ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CT
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2018-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir, Citizens Bank did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records, clearance records and statements. Original Checks are missing and original checks are not returned to me. There is no electronic transfer authorization given to any bank or originator. Only Authorized checks XXXX/XXXX were given to US Department of Home Land Security ( for my individual XXXX premium processing fee amount of XXXX $ ) and Immigration Law Firm Respectively ( Immigration Law Firm fee amount of XXXX $ for processing XXXX premium documents ). Respective Law Firm has given the written statement that they have correctly deposited my original checks to Bank and US Department of Home Land Security, I am at liberty to submit the invoice, scanned copies of my original checks and law firm written confirmation to any Honorable Court, Respective Law Enforcement, customs officers and Immigration fraud department, I have only given Authorized checks with checks and social, and I have not given any electronic transfer authorization to anyone. I have only given Authorized checks XXXX/XXXX for my individual XXXX premium processing ( my address, SSN and my individual premium processing details are clearly mentioned in the check and address is same for all my checks since the day I opened the Charter One/Citizens Bank account ) to Immigration Law Firm. Citizens Bank violated authorized check terms and conditions, fraudulently tampered my original checks and destroyed my check clearance records and scanned copy of the checks in the Bank Statements and Records. Citizens Bank/Charter One Bank holds the complete legal accountability and responsibility for tampering my checks in the records. It comes under forgery act at concerned immigration department If anyone claim or use XXXX/XXXX checks for any kind of immigration benefit or visa on behalf of me, these checks XXXX/XXXX were only given for my individual XXXX XXXX renewal Premium processing along with my signature and SSN. In the response to my previous Grievance, Citizens Bank accusing US Department of Home Land Security and Law Firm that they did not deposit the original checks to Citizens Bank. May I sincerely pray Consumer Finance Bureau to refer my complaint to Respectable Federal Officer/Law Enforcement officer to investigate my complaint against citizens bank and also check with immigration fraud department, this is very important for me. There is a high possibility that my checks have been misused by someone and misrepresented me at XXXX, accordingly my original checks are missing, check clearance records are missing and check images are missing in the Bank Statements for Authorized checks, which is unlawful and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX states I owe collections and I never got a collection letter. I have no knowledge of this collection. Second of all they reported on my credit through transunion has collections type under XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX. Now through XXXX they report the account has a factoring account under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The one collection that which they claim I owe {$240.00} is now two accounts of {$240.00} with two different addresses and the company name the same with resurgent on one. I can furnish my credit report if needed to show proof. But the CFPB will have to request it from me first because im not falling victim of illegal practices and/or scams. So I never got a collection notice and this company is reporting two different types of collections one on XXXX   has a collection account and one on XXXX has a factoring account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Oliver Adjustment Co.
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: Account status incorrect

Complaint:
OAC has been inaccurately reporting a paid off service on my credit report, and furnishing this information to credit bureaus since XXXX of 2019. I informed OAC that this information was incorrect, and asked them to verify with XXXX XXXX XXXX, the original creditor, that the information that they were reporting was accurate. The original service was paid by IDPH through XXXX insurance at the time of service. Attached is proof of coverage that was also sent to OAC. This information can, and should be verified by OAC as they have a legal obligation to do so in order to validate the debt. 

As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )

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 2020-08-31
Company: United PanAm Financial Corp.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Information belongs to someone else

Complaint:
There are two accounts on my credit report that are not mine I have been disputing these accounts for a couple of months and I have not gotten any response back from the bureaus regarding this disputes. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified 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 2019-08-27
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rash Curtis and Associates trying to collect on a debt not owed. 

It just showed up on my credit report late last month ( XX/XX/2019 XXXX ) ( XX/XX/2019 for XXXX and XXXX ) for the amount of {$850.00}. Which seem unusually high for a trip to the emergency room for the XXXX. It dinked my credit score 40+ points. 

The original creditor was XXXX. So I went to check all my bills from XXXX and my Health Insurance. Nothing remotely close to it. 

Never received any notification or any call. Aren't they by law suppose to send some kind of notification? 

I would also like a copy of the original bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage company - Wells Fargo will not allow me to modify the loan. The loan originally did not have an escrow account but was an adjustable loan. The now has an escrow account and still has an adjustable interest rate. I was told it was a fixed loan. Also, the Wells Fargo does not report to the credit bureau to show timely payments. Also, I was told I could modify the loan after a certain period, but now I am told that modification is not an option.

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 2018-07-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was originally opened in XX/XX/XXXX and was service released to Carrington Mortgage in XX/XX/XXXX. I heard of no issues during this transfer as all payments were automated. Once it got transferred over to Carrington i did not have visibility to the account and was not reporting on my credit report like it was supposed to. I faxed a letter into their research department that only communicates through fax or mail. It finally started showing up a couple weeks ago and it showed that it was 30 days late. Once in finally got portal access into Carrington the first payment reported was on XX/XX/XXXX, and then the next payment was shown for XX/XX/XXXX, but the next payment due date was for XX/XX/XXXX for twice the normal amount, and i noticed this on XX/XX/XXXX. There is some billing system error that needs to be corrected as everything should be current and ontime with the next payment being in XX/XX/XXXX. When i tried to contact Carrington to discuss this, the reps on the phone could not do anything and they just tell me to fax or mail in the dispute and wait. For this kind of error, i would hope they would be willing to work with the customer to fix it, since it is on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I initially signed up for college in XXXX with XXXXXXXX XXXX XXXX XXXX, AZ location. I had explained that in XXXX I would have to take some time off due to my Mother 's fight with XXXX becoming more intensive but I assured them that I would return once she was better. She XXXX in XXXX. It took longer than I had anticipated to return after her XXXX but I did return in XXXX to continue where I had left off. The school told me that I had 44 credit pending but I questioned why they weren't just transferred since I was attending XXXXXXXX XXXX and not another school and they said that because that campus had closed and that some of the credits would be transferred but not all. I kept questioning it because it was the same school just one of their now closed campuses. So I had to re-pay for some of the classes even though I was continuing in the same field. According to them they wasn't certain if they were going to have to prorate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation