BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Diversified Consultants ( Debt Collector ) keeps calling after they have been told to " Do Not Call Anymore '', but they continued to repeatedly calling my residence home telephone number and my cellphone number several times after being told to NOT CALL anymore. 
Here are some of the dates and times of the calls : XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XXXX XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX &XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: AR
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:
This all started after I pulled my credit report in XX/XX/XXXX I noticed there was a credit card for Citibank/AACBNA. The account was opened on XX/XX/XXXX. The balance for the credit card was {$2500.00}. I did not open this card nor did I authorize this card to be open in my name. Then I called the number on my credit report for this company. I then got the run around I was transferred all of the company. I then got sent to the correct department and was told this card was for XXXX XXXX with Citibank. I gave them a verbal dispute over the phone. I called my monitoring service and told them what I found on my credit report. They told me what to do for my monitoring service to step in and do casework. I got all of my documents together and sent them to my monitoring service so they could send out a dispute package. I sent my monitoring service the documents they requested which were police, power of attorney, identity theft affidavit, proof of address, drivers, and my social security card all copies. The dispute was sent on XX/XX/XXXX, and was sent certified mail. I received a letter from cardmember services stating they flagged my credit report as disputed and did not give me a reason on my why my dispute was denied. Also there was not a phone number for me to call to see why my dispute was not honored. This leads me to believe my dispute was not read or investigated

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 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
BANK OF AMERICA REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXXXXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
On XX/XX/XXXX, XXXX XXXX added a remark to my account that dropped my credit score 26 points ( XXXX  ) and 20 points ( TransUnion ). It was the only change on my report, and I'd done nothing differently- I was up to date on payments and hadn't requested a deferment or forbearance. 
I tried to contest it with the major credit bureaus on XX/XX/XXXX, with no luck. 
On XX/XX/XXXX, XXXX XXXX removed the remark from my account, which combined with other things ( credit card payments decreasing my balances, a hard inquiry expiring ) raised my score 20 points ( TransUnion ). Still haven't gotten the points back on XXXX. 
The erroneous mark dropped my score so much, and it hasn't recovered totally. I should have gotten those points back, but I didn't. 
XXXX XXXX hasn't communicated with me 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 2020-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 2 account under my name both individual accounts one was closed and the other charged off. I don't recognize The name of the card company the Acct # say this is mine. The name on my all 3 reports are the same this isn't mine. These account one is from XXXX the other from XXXX. Till I know what this stands for I can't say this is mine. I own only 1 XXXX XXXX   Credit Card, 1 XXXX  and 1 XXXX XXXX mastercard totaling 3 credit cards that should be active on my credit reports. Everything else isn't mine and needs to come off. So till this entity comes to light I will denny this on my credit. I don't recieve mail from this company as it is on my credit report. So if you say your mine I want proff from the USPS,  whom delivered my mail the day the statements were sent out. I want 100 % acquite information from where this acct was open, signature, proff. Not just your word I need action Proff. Paper trail I need answers and I need them Today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$400.00} XXXX  XXXX {$4900.00} XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my 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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was receiving bills from a collection company. I wondered for days why i received this collection bill twice, if I knew I didnt owe anything. I got onto my XXXX XXXX  and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. these accounts do not belong to me. Please remove these items on my 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 2021-08-11
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
My escrow increase my payment in XXXX and the lender 's notification was late. When I was past due, they put my partial payment in suspense and did not notify me of late status even though they have my cell and email. When I received XXXX bill, I immediately called and provided an echeck payment and was told it wouldn't be late and they would waive late fee. They didn't process the payment and reported it late to all credit agencies. When i called back again, they stated payment did not go through and they should have called back. I made payment again and they processed it. They still reported me late and I need all 3 credit reporting agencies updated that payment was made and it's not late. My credit was reduced by XXXX  points because of this issue.

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 2019-02-27
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: Account information incorrect

Complaint:
I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. Equifax is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( XX/XX/XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a judgement lien on a home because the landlord failed to pay his mortgage and kept all the rent money. 

When the home was up for sale the real estate agent and title company located my judgement. They asked what the amount was to settle. I signed an agreement and faxed it to them. The real estate agent called to tell me the sale fell through. There were other liens that were settled, but mine was not. EMC mortgage sold the home to that same buyer without paying me my judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Personal information incorrect

Complaint:
REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Addresses XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX My Correct address is XXXX XXXX XXXX XXXX   XXXX, XXXX ( please see attached identification ) Please remove incorrect employment information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these authorized inquiries. 
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-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020, I requested a quote, online, on the company 's ( XXXX XXXX ) website to research what my auto insurance MIGHT cost ( Quote Number : XXXX ). I haven't even bought my car yet, so I was definitely not REQUESTING insurance and I didn't sign up for insurance - I was simply trying to gauge what auto insurance might cost me where I live, based on the model of used vehicle I'm seeking. 

XXXX sent me an email on XX/XX/2020, informing me that, " We reviewed your credit report and obtained a credit-based insurance score based on information contained in that report. ... '' They obtained my data from Trans Union. 

This is absolutely illegitimate and illegal and was absolutely NOT authorized by me! And, Trans Union ( of whom I am a client! ) was not authorized to share my credit data/report at all - I did not sign anything with XXXX or Trans Union permitting this.

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 2021-04-29
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet has reported to credit bureaus that I was past due in XX/XX/2018 on 20 separate accounts. This is inaccurate. I was attending school on XX/XX/2018, which means there should not have been anything due at that time period. Nelnet refuses to remove the derogatories despite being informed of the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$400.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$15.00} XXXX  XXXX XXXX  XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00}

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 2020-07-06
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. 
Blakely-Witt Associates XXXX Which currently is reporting through your service : Account Status : Collection Payment Status : Seriously Past Due Status Updated XX/XX/2018 Balance {$1.00} This item Blakely-Witt Associates XXXX is inaccurate I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have disputed this item multiple times through your agency and even providing supporting documentation. I am requesting that the item be removed. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone used my debit card to withdraw {$60.00} from my account. I repotyed this as fraud, my bank later decided this was a valid transaction made by me. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Today, XX/XX/2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website.

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.

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 2020-05-21
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had financial hardship, and contacted XXXX XXXX XXXX last XX/XX/2019. They said they have reached out to all my creditors to make arrangements to pay each XXXX. 
XXXX has refused to work with XXXX  XXXX XXXX. Recently, I have been receiving letter after letter, from local lawyers, that claim I have a summons to appear in court. I have checked, but there is no court case recorded. I have not received any summons, but several of these lawyers have a fake copy of a summons with my name, address, and credit card company. The lawyer letters have said this lawsuit could lead to a lien on my property, take over of my bank account, garnishment of my wages, etc. I in good faith have tried to reach out to my creditors. They have caused me additional stress to add to the difficulties I am now facing in my life. XXXX, and their Midland Credit Management, have publicly shamed me, and inundated me with countless lawyers contacting me daily. 

XXXX XXXX  turned my XXXX XXXX debt over my to Midland Credit Management for {$1600.00}, which I half of what I owed, with late fees, and interest charges doubling the requested amt. 
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, XXXX XXXX incorrectly reported a late payment- despite my payments being automatically drafted. 

I disputed the incorrect information with XXXX as well as the XXXX major credit bureaus. As a result, XXXX financial had the incorrect report removed from all XXXX bureaus. 

Unfortunately, in XXXX, the incorrect information from XXXX was placed back on my report with all XXXX bureaus. This was the second violation of my consumer rights. 

I disputed the inaccuracy with all three bureaus in XXXX and XXXX, yet again. 
As a result of the aforesaid dispute, both Experian and XXXX removed the inaccuracy from XXXX XXXX. 

However, Experian did not remove the inaccuracy.

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Ive contacted the company to tell them the account is not mine and submitted a ftc report. This is not mine

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 2020-02-14
Company: EQUIFAX, INC.
State: AZ
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 sold my House at XXXX XXXX XXXX XXXX AZ XXXX XX/XX/2019 ; the Mortgage company was XXXX XXXX XXXX XXXX and the Title company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The Title company paid the loan by wire as listed in the written payoff demand but the XXXX mortgage company returned the wire and charged mortgage for the month of XXXX, XXXX, XXXX and XX/XX/2019 despite receiving the settlement several time back from XXXX XXXX XXXX. Please refer to the attached documents reflecting all communications between XXXX mortgage and XXXX XXXX XXXX XXXX. Finally on XX/XX/2019 XXXX mortgage listed the Mortgage as fully paid in XX/XX/2019 but the past due reports for the months of XXXX, XXXX, XXXX and XX/XX/2019 remain in my credit report and despite several letters to XXXX and calls the negative reports still remain in my credit with the 3 reporting agencies, Equifax, XX/XX/XXXX. I have mortgage application and car purchases denied due to the credit score being lowered to the 500, s from the 700, s .Negative reports from XXXX must be deleted with the 3 credit agencies but XXXX refuse to take action.

Company response to consumer: Closed with explanation