BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I had moved to XXXX XXXX XXXX in XX/XX/2017. From the day I moved in, I had issues. There were bedbugs and other weird bugs inside the apartment. I complained to management several times. They sent maintenance manager couple of times but he couldn't fix the issue. He said it's an old apartment complex and the bugs were coming from the pipes and A/C unit and there was nothing he could do. On XX/XX/XXXX, I got robbed. I also have police report and the report number is XXXX - Police told me that I was lucky to be alive. Next day I moved out as I was in big trauma. I had already paid the apartment complex the rent and I don't owe them any money. I told them about the robbery and I was traumatized which resulted me to live with my mom for a year until I recovered. This apartment complex is not a safe place and it is not providing a healthy condition to residents as well. My safety and life was in danger there. I owe XXXX XXXX XXXX nothing. They are misrepresenting facts and claiming an amount which I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a security freeze with XXXX via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with Experian and they want to charge me {$100.00} to do so.

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 2021-02-01
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
COMENITY BANK/NWYRK & XXXX Opened XXXX. XXXX, 2016 Balance {$25.00} I'm concerned about the quality and reliability in your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The credit reporting agency is reporting a business account on my personal profile. Additionally, they report it delinquent when it's absolutely not. There is no payment due on this account. In any case, this is a business account and therefore should in no way appear on my personal profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Unfortunately, for me I had a {$12.00} balance to which I was unaware of with Kohls. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least 3 different times to get it to go through. I finally said just forget it I need to go Ill pay for my purchase. She asks for one more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from Kohls thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from Kohls and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe Kohls could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
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: Account status incorrect

Complaint:
Santander repossessed my vehicle in 2013 and they are reporting the credit bureaus sometimes the account is open and sometimes is closed. They are reporting derogatory information and it is already passed the three year statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2018. After further research regarding my XXXX  credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my Experian report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.

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 2020-09-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my 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 2018-09-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I defaulted on three private student loans ( SallieMae through Navient ) in XXXX. In XXXX I was contacted by a debt collector ( XXXX XXXX ) and negotiated a settlement on one of those loans. I am currently negotiating with the same debt collector on the other two. I checked my account balance at Navient 's website and the loan I negotiated a settlement for over six months ago still appears as due with a balance. Worried that I may have negotiated with the wrong party I contacted Navient and was informed that they do not update information for " delinquent '' loans. The operator then identified a different debt collector than the one I negotiated with for the loan and question and could not answer my questions about the legitimacy of the company I was bargaining with. When I questioned how I, as a consumer, am supposed to make informed decisions about my finances when the company that services my loans will not give me accurate information the operator repeated that this was their policy. I have two lawsuits against me by a debt collector that Navient does not identify as the legitimate debt collector for my loan. What am I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
They reported 3 loans on my personal credit reports. I wrote them a letter and call there office XXXX. Received the acknowledgment but they are not fixing my credit report. And my refinance was decline due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: LA
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} XXXX {$7400.00} XXXX XXXX {$2100.00} XXXX {$60.00} XXXX {$9500.00} XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX {$18000.00}

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 2020-09-07
Company: Experian Information Solutions Inc.
State: WA
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 would love to know how Experian is verifying this information. 2 collection companies XXXX XXXX  and XXXX XXXX, somehow they can verify debt with experian, but now with me or XXXX  or XXXX. Both of these collections were removed from the other reportimng agencies but miraculously experian are the only ones that can verify it. I've called Experian to dispute they fight you on it, and just say its already been verified, you ask how ... crickets they just say it's already been verified. I want to know the method. Seems like Experian just take the word of the commissioned junk debt buyer, while the other bureaus actually make them provide proof. I even actually sent Experian the proof of it been removed from the other bureaus.

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 2020-09-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom This May Concern : On XX/XX/XXXX I pulled my credit report on XXXX XXXX and noticed that there was an account for LVNV Funding that did not belong to me. I disputed this account with both the collection agency and XXXX, and subsequently it was removed. Proof of its removal is on the attached credit report from XX/XX/XXXX ; there are no collection accounts listed on my report. Upon pulling my report again on XX/XX/XXXX I noticed that this same account was reinserted into my credit report. FCRA requires that the CRA sends written notice of the reinsertion of an item within 5 days, and this was not done. Furthermore, I'm concerned as to how this company was able to reinsert this item into my credit report after previously deleting it after determining that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: ALLY FINANCIAL INC.
State: TX
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 RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. I HAVE LISTED THE ACCOUNTS BELOW. PLEASE ASSIST ME IN HAVING THESE ACCOUNTS REPORTED AS FRAUD AND HAVE THEM REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXX ACCT # XXXX 3. XXXX XXXX ACCT # 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 2018-02-10
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
PMAB, LLC., reported a medical bill that was in dispute with XXXX   XXXX XXXX XXXX in XXXX XXXX , NC XXXX between my Insurance provider ( XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX , for more than two years. 

PMAB, LLC., never attempted to contact me to receive or ask for any explanation on my part despite the fact they had my telephone number and Post Office Box address on file provided by XXXX  XXXX XXXX XXXX . 

PMAB, LLC., proceeded and placed the collection of a {$67.00} and {$270.00} respectively on my credit files with all three credit companies on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an attempt to damage my credit. 

I only discovered this damage done by PMAB, LLC., only when I was declined credit by a furniture company in XX/XX/XXXX, which was completely and totally embarrassing. 

I immediately and repeatedly contacted the PMAB, LLC.,  representatives in XXXX , NC, for immediate retrieval and correction of this egregious damage to my reputation and credit. This company and their representatives have been rude, inattentive, and completely treated me with disregard, and have failed to correct their error. They continuously lied that they did not have my address or telephone number when in fact my address was printed on the check that was used in paying the balance that XXXX XXXX XXXX XXXX indicated I owed, and in their record. 

I believe PMAB, LLC., has acted with malice to destroy my credit without making any attempt to contact me before placing a debt collection on my credit files. This is a violation against fair credit act and a fraudulent business practice perpetrated by PMAB, LLC., to collect a debt that is in dispute with the creditor. 

I demand an apology letter from PMAB, LLC., and an immediate removal of this error from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been using the XXXX app, which lends money, for over a year without issue. Now, all of a sudden, within the last month, PNC Bank has denied the ability to link this app to my account. I tried another app, XXXX, and it was also denied. This is making it impossible for me to get money I need to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

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 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a representative on XX/XX/XXXX XXXXabd told them of my situation and why I currently can not pay a single dollar. I do not work. I don't have any means of being able to work. I have a possible opportunity coming up to work from home and training may start next month. Since that conversation I have recieved 8 phone calls. Nothing has changed and won't until possibly next month to recieve any money but yet these collectors keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a participant in the Public Service Loan Forgiveness program. Since 2018, FedLoan Servicing has been placing Loans # XXXX, XXXX, XXXX on administrative forbearance. I have called to remove the administrative forbearance on these loans when I see a billing statement when they are not included. Some loans getting taking out of administrative forbearance and some remain. This has caused me to miss out on as many as 22 qualifying payments for PSLF ( see loan # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Escrow is always short and i have added thousands to it and mortgage payment keeps you going up. My payment went from XXXX to XXXX. My taxes went up to XXXX XXXX from XXXX but after continuing adding money my payments continued to rise. I have a 30 yrs fixed mortgage. So why has it changed is the question I would like answered and why am I always short in my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: NV
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 informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered XXXX XXXX XXXX XXXX for amount of {$360.00}.

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 non-monetary relief