BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Kriya Capital, LLC
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:
I receive noticed from XXXX XXXX that my credit score dropped XXXX points. I looked up my credit and a company called Credence placed a negative remark on my credit report about collecting a debt. The are representing XXXX XXXX XXXX XXXX. I do not have any idea what this about. I have not purchased any products from XXXX XXXX XXXX XXXX. If it's about wireless service I purchase my phones from XXXX only. They are stating the purchase was made on XX/XX/2021 for {$1200.00}. I called XXXX to dispute the negative report and I'm still waiting to hear from XXXX The other agencies state that negative reports are not on their file. I received a letter from Credence yesterday wanting me to fill out a fraud report for XXXX XXXX XXXX XXXX. I called Credence yesterday and it keeps sending me to XXXX. I do not want to fill out any documents until I know what they are claiming that I bought. I looked up Credence on the web and there are many other people complaining about Credence making fraud claims. I prefer to talk to someone in the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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: Account status incorrect

Complaint:
I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.

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 2019-07-14
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
Reported dispute with XXXX. Said MIDLAND FUNDING WAS CHARGED OFF CLOSED Yet it remains open on credit file as negative & is decreasing my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX XXXX with Experian numerous times. The account is charged off and closed and should be deleted in XX/XX/XXXX, however, Experian is the only credit reporting agency who refuses to delete it stating it is scheduled to remain on file until XX/XX/XXXX. My first delinquency was in XX/XX/XXXX, therefore, the account should be removed within 7 years.  XXXX and XXXX have confirmed they will remove it in XX/XX/XXXX. Why is Experian discriminating against me? 

Also, Experian, is reporting an inaccurate account from XXXX University that does not belong to me for {$2700.00}. Several months ago they deleted the account, but now have allowed another collection account to report it using a different account number. This is ILLEGAL. 

Also, Experian is not reporting all of payments accurately for the following accounts : 1.  XXXX - was not 90 days late in XX/XX/XXXX, Experian did not report my payment for XX/XX/XXXX as  well. Other credit reporting agencies are reporting accurately. 

XXXX - did not report my payment for XX/XX/XXXX XXXX XXXX - paid account, balance of {$490.00}. Please delete.

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 2019-10-25
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: Their investigation did not fix an error on your report

Complaint:
Equfax and XXXX are reporting a Student Loan with the U.S. Department of Education. Both have received at least three disputes stating that the DOFL, Date Of First Delinquency is wrong and the correct date is 1999. As a consequence, the time for reporting this loan has came and gone. Equfax and XXXX are reaging this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I need someone to take a look at how Nationstar Mortgage Company is handling my mortgage loan. I am on a fixed interest of 6.555 since XX/XX/2017. Lately, Nationstar has been charging fees that I do n't understand. I am trying to speed up my pay off by doubling the monthly payment, by the unforeseen fees are not helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Simon's Agency, Inc.
State: NJ
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:
on my XXXX report i have an item in collection from simon 's agency inc for {$200.00}, the date opened is unclear ( approx 5 years ). i have asked this agency numerous times to supply me with a original contract signed by me with their agency for a few years now and still i have not received this document. i dispute this item with XXXX numerous times and they keep stating the item was verified by simon 's. i disputed this item again in XXXX and received the results today XXXX XXXX from XXXX and again they stated simon 's verified this information is correct by me contacting XXXX by phone. i asked the first equifax representative XXXX ( id # XXXX ) if she could supply me with the documentation simon 's supplied XXXX to prove this item belonged to me, fcra states all items on a person 's credit report is supposed to be verified by the cra by an original signed document from the company. XXXX stated she could not supply this information, only the outcome of the dispute. i again asked how did XXXX verify the information and she stated she didn't know. i asked for a supervisor or an american representative. i was transferred to an american representative XXXX ( id # XXXX ) and asked for the same information i asked the previous representative. she stated she couldn't give me any information how XXXX verified the account with simon 's or who i could contact to get a copy of the information ( original signed contract ) simon 's sent to verify my dispute. i than informed this representative it is against the law to put unverified information on my credit report and i would like it removed. she stated she couldn't help me and i was going to file a report. i also explained that because of the false information the cra could be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/XXXX I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. The previous owners were XXXX and XXXX XXXX and their mortgage company was XXXX XXXX XXXX XXXX XXXX XXXX acquired by Chase in XXXX ) and XXXX failed to properly discharge the XXXX mortgage with the Town of XXXX, VT. I'm currently in the middle of trying to sell my house and the buyers title search company discovered the error. I'm currently out almost {$10000.00} dollars trying to correct this error. I need some assistance in getting Chase to properly discharge this mortgage so I can continue with the closing. I currently live in XXXX Texas and trying to support two house holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a mailer from Citibank in connection with my credit card. The mailer offered balance transfers and included checks to do so. There is a number provided if one does not wish to receive balance transfer checks in the mail. I have requested a stop to these letters in the past. I called this number multiple times to confirm that in fact it was the wrong number. For some reason this number forwards to a leasing office for some sort of housing facility called XXXX XXXX at XXXX. That is obviously preventing me from contacting office in order to fix this situation. 

The mail was received on about XXXX XXXX 2017. 

The phone number provided by city is XXXX XXXX - XXXX - XXXX, I called on Sunday XXXX XXXX, 2017. I also have a recording.

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 2016-12-01
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I put my house up for sale. I received an offer and I excepted that offer. The buyer had numerous issues with their lender ( required paperwork and inspections that they were not aware of ) This caused numerous delays and postponement of the final closing. I notified my lender ( NATIONSTAR ) of these delays, I assured them that the property was in contract and would be sold. The Nationstar Reps. repeatedly assured me that there was no problem and that everything was OK. It was always very difficult to talk to a live person at Nationstar and when I was able to talk to someone it was always a person with a very heavy accent that did not seem to understand English very well. So to protect myself I wrote a letter to to Nationstar explaining the situation on two different occasions. 
We were finally ready to close on the property and requested the Payoff from Nationstar. 
Nationstar sent us a statement with the payoff amount. We closed and the house was officially SOLD. 
Six days later Nationstar sent another payoff statement. This statement is {$2400.00} more. 
Nationstar said the additional charge is for " Legal Fees '' because they had started the foreclosure process!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: CA
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:
A XXXX XXXX XXXXXXXX credit card account was created fraudulently and had an outstanding balance of {$7000.00}, exceeding its credit limit. XXXX has been contacted to investigate this account. 
A XXXX credit card account was created but was closed without any transaction. 

Many unauthorized credit inquiries occurred from XX/XX/2022 until XXXX, which caused my credit score to drop more than 200 points. I reach out to XXXX and XXXX to file a dispute. I could not do the same with Experian since an existing Experian account links to a fraudulent email address that prevents me from getting registration confirmation. Experian requested that I fax or mail in my document to claim control of that account. That will take a couple of weeks to clear. 

I have placed a credit freeze, and fraud alert through 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I just filed Complaint XXXX for the exact same reason when I got a call From Wells Fargo stating they are also voiding my new card the number I will enclose for the exact same reason.

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 2021-08-17
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear sr First think you for your help and I wish the best news for you, for other reasons I have something very important for me to complete my information and my account for my future life and for my family, and I need you to help me and give me more information about my future life and my SSN information to claim my credit report and account bank. 


The second thing I try to contact the transunion and XXXX   and XXXX customer service and I was calling them several times to asking them to give me my credit report for my XXXX XXXX XXXX account and my XXXX XXXX credit card. 
but they never send it to me, I HAVE RECEIVED MY REPORT BUT I CAN'T UNDERSTAND ANY INFORMATION ABOUT IT ALSO I CAN'T FIND MY ATM CARD NUMBER Could you please help me sr and give me more information about my SSN INFORMATION FOR MY FUTURE LIFE AND MY ACCOUNT BANK AND MY XXXX XXXX ACCOUNT AND CREDIT CARD, PLEASE THANK YOU SO MUCH FOR YOUR SUPPORT I WISH THE BEST NEWS FOR YOU AND YOUR LIFE Best reagards XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: WA
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:
We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This morning I checked my account at PNC Bank and saw a withdrawal of {$100.00}, which I knew nothing about and did not authorize. I called the bank about it and they said that they did the withdrawal and placed the funds in another account that my social security appears on. I AM NOT THE OWNER OF THAT ACCOUNT! That account is owned by by XXXX XXXX, and my name is on there just for oversight. I have NO MONEY, NOT EVEN TO BUY FOOD, because PNC illegally withdrew my money to put into another account I dont own, and which is overdrawn only 17 days! 

The Bank claims they are doing whats within their rights but its not true. The bank exercises collection right AFTER 30 DAYS OF A NEGATIVE BALANCE. That account was overdrawn only 17 DAYS, and does not fall within the time frame for collection activities. 

Also, Ive had transactions coming in on my account before, and didnt have enough money, and the other account had money but PNC have never taken money from that account to pay anything for me, they returned my transactions and charged me fees, so how is it now, that they can take money from my account to that account, when they have never done that when my account couldnt pay transactions??? 

Also, IN THE SPACE OF 17 DAYS, THEY HAVE CHARGED FEES ON THAT SAME ACCOUNT IN THE AMOUNT OF {$240.00}!!!! 

SEVENTEEN DAYS!!! {$240.00}!! Which includes {$7.00} PER DAY EVERYDAY! 

The fees that PNC Bank charges, needs to be investigated! Its robbery!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-02
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt.never knew a XXXX account was opened in my name or social security number.i was never contacted by mail or email to have a chance to dispute.When i saw this on my credit i tryef to contact the original creditor and request a original application.they told me to contact there 3rd party representative..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Inquiries : XXXX XXXX  Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,

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 2023-02-01
Company: T.S. Holdings
State: MO
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 DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. 

XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX  XXXX FOR {$450.00} ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have amsher collection reporting to XXXX credit bureaus that are not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: LA
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:
I disputed several accounts that were being reported on my credit report with Experian. Ive sent three letters requesting Experian to provide me with verifiable proof, such as the original consumer contract with my signature on that proves I owe the debt to these companies that are reporting on me. Experian has failed to supply these documents and continue to allow these companies to fraudulently report against my character, which is defamation. I have asked for the exact method and procedures that were conducted in the dispute investigation, but again, Experian has not provided me any of these lawful requests. I have asked for Experian to provide me the names of the end-users that have worked my file [ FCRA 609 ( a ) ( 3 ) ]. There are several inaccuracies that have been applied to the credit reporting that Experian has not addressed in my disputes. Experian is assisting and aiding in violating my consumer rights but not upholding their responsibilities as a credit reporting agency. According to FCRA 611 ( a ) ( 1 ) ( A ), the consumer reporting agency is supposed to conduct a reasonable reinvestigation upon the dispute request by the consumer, to determine whether the record is indeed inaccurate, otherwise it has to be deleted ; not just closed. This is considered unfair and unjust acts against consumers. In the case ( No. 95-CV-1743 ), Cushman vs Transunion Corp., 115 F.3D 220 ( 3rs Cir. 1997 ), the United States Court of Appeals agrees that the FCRA requires credit reporting agencies to go beyond its original sources of credit information when reinvestigating inaccuracies in disputes. The credit reporting agency must bear some responsibility for evaluating the accuracy of the information obtained. ( Stevenson vs TRW Inc., 987 F.2d 288 ( 5th Cir. 1993 ).

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