BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract ( s ) with Credit Control Corp. I am not liable for the collection of this debt from XXXX. I am not responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-28
Company: Designed Receivable Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ireceivedanegativeremarkonmycreditreport;TheaccountwasopenedonXX/XX/2018fortheamountofXXXXfromDesignedReceivableSolutionsrepresentingXXXXXXXXXXXXHospital.IamXXXXandhavebothprimaryandsecondaryinsurancewhichissupposedtopayforthesemedicalbills.IneverhadagoodunderstandingofcreditsoIallowedtheseremarkstobuildup,andnow,asIamworkingtorepairmycredit,IamfacinganumerousamountofthesefalsechargesandIhopethismattercanbelookedintoasagestureofgoodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was never notified of the foreclosure/auction date. I happened to get a notification last week from XXXX regarding my property and the auction. I instantly reached out to the Mortgage company to see what was going on and they said that I had been notified and that they would not speak to me regarding a modification. The company that I hired to help me through this process told me the name of the mortgage companies attorney. I called them looking for assistance and they told me that they sent me notification of this and when I started to ask them for copies of information, I asked her what address they were sending it to and they were sending the info to an address that I haven't lived at for OVER a year! I know the mortgage company has the correct address because they still send me statements. I called an attorney for myself and he reached out to the mortgage attorneys who said that the have advised their customer to postpone the auction and foreclosure until I have been given proper notification. My representative from the company that is trying to counsel me, has also reached out to the mortgage company and they are being very emotional over this. 
They are in the wrong as they did not provide me with the proper paperwork or time to try to rectify this situation. Hopefully allowing me the time to try to get a modification. The mortgage company said no and was still going ahead with the foreclosure. This doesn't seem right. All I want to do is work out a modification or payment schedule to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: AL
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 2021-01-27
Company: Experian Information Solutions Inc.
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:
I have contacted Experian multiple times over the last few months to correct the inaccurate reporting of account : XXXX  # XXXX. My credit file concerning this account states it was opened on XX/XX/XXXX. It also does not reflect the monthly payment amount. It further state that this account was discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. All these things are being reported incorrectly. 

The documents I have included clearly shows that XXXX didn't report a payment in XXXX and actually stop reporting payments after that month because they account was paid in full after XXXX. There is also an address that does not show on my credit report and never have been on my credit file. As of XX/XX/XXXX when I received this document there was no chapter XXXX bankruptcy indicated associated with this account. Experian using address identifies to cross reference accounts on my credit file and this is a great example of them not following their own cross referencing for verifying account information on my credit file. The only item being reported on the included document is the phone number.

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 2021-09-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I HAVE 2 ACCOUNTS THAT DO NOT BELONG TO ME I WANT THEM REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
State: LA
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 have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.

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 2019-09-06
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX  Balance XXXX {$710.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-09-06
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo is reporting inaccurate information on my credit file. I applied for a secured loan through Wells Fargo. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. Wells Fargo did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with Well Fargo they said they would remove the lates, yet they have nothing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-15
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please reference XXXX I dont know what's going on with your. company but you closed out my complaint for no reason. I advised you guys back in XXXX that this is not my account, I send a letter and go no response back from this company, I even submitted an affidavit and got no reply im asking for a removal of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for the AAdvantage Citi bank credit card enticed with their XXXX miles offer if one meets terms. I proceeded to apply and then suggested my wife to apply as well. We both were approved and completed the minimum purchase required to get the XXXX sign up bonus, $ XXXX. However, neither received the promised benefit as it seems that we had the same card within their 48 month framework. However, they approved us for the card without mentioning anything about the previous card misleading us to believe that we are eligible for the promotion. It is unreasonable to expect someone to remember what card they opened 48 months ago. They had the info but did not tell us and kept quiet and let me use the card like a fool expecting a bonus. I complained but they feel that they did not do anything wrong or misleading, I beg to differ and any reasonable person seeing that would see the fraud Citi bank is perpetuating on unsuspecting customers. Other banks like XXXX or XXXX for example inform you that you had a card like that before and would not qualify for a bonus. They would INFORM me as is reasonable to expect and not mislead and scam me. If I were to use my other card for the same amount I spent with them I would have received {$300.00} in bonus payout, thanks to their deceptive practice I got nothing.

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 2018-02-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint from my wife and I against National Credit Systems for their failure to provide requested information for alleged debt. National Credit Systems ( NCS ) has been reporting two open accounts against me ( {$3100.00} acct # XXXX & {$500.00} acct # XXXX ) and one for my wife ( {$3100.00} acct # XXXX ) that we do not recognize. NCS sent written notification of debt recovery based on initial 30 day validation on XX/XX/XXXX. On XX/XX/XXXX I responded ( based on legal advise ) with a written request for documentation, including the following : 1. debt amount clarification ( including fees and interest added ) ; 2. Name of creditor owed and notice of assignment or receipt of sale to 3rd party collection ; 3. Verification or copy of any judgment ; 4. Proof that you are licensed to collect this debt in Texas ; 5. Proof of last payment made on the account and any other documentation which tend to show validity. 6. If they do not own the debt I demand they send the request to the original creditor so they are aware. On XX/XX/XXXX I was contacted at my place of employment by NCS 's rep. and I informed them that no calls are acceptable please respond to me in writing. NCS called me at home and I asked for all calls to stop but NCS reps. continued to call my place of employment 2 other times in XX/XX/XXXX following my validation request. I again expressed that they should contact me in writing. On XX/XX/XXXX I reviewed my Credit report and noticed NCS had reported inaccurate information on both of our credit reports before validation. I received mail on XX/XX/XXXX from a old address, of NCS partial response to my XX/XX/XXXX validation request. NCS responded providing partial documents from original creditor and no verification that they own the debt or that it was transferred to them. No verification of break down of debt amount balance or accounting of payments. No proof of NCS license to collect debts in Texas. NCS 's failure to respond to a consumer 's good faith request for documentation makes it impossible for me to make an informed decision regarding alleged debt. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. Also, to have already reported alleged debt to any credit reporting agency or credit bureau, prior to validating the debt violates Fair Credit Reporting Act ( as stated in my XX/XX/XXXX validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with AFNI. I have never received any correspondence from AFNI stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that AFNI owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. AFNI is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure AFNI understands the importance of properly investigating my concern. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in AFNI 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent several cease and desist letters to the company requesting that they stop call specific numbers. I have stated on numerous recorded conversations that my cell phone number is not to called on the auto dialer. I discussed this issue with a supervisor in XXXX 2017, and I am receiving calls in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: CA
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 paid {$15000.00} in XXXX 2007 when I had a XXXX loan. My student loan was {$11000.00} that I owed. Then I lost my job. My student loan is now almost 4 times that amount now. I had XXXX XXXX then XXXX XXXX. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-12-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$42000.00}. 
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 Laending 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. 
-OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

-CLOSED ACCOUNT- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account.

Company response to consumer: Closed with explanation