BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any Macy 's account open and they insist that the information belongs to me. 
When I called XXXX XXXX XXXX and Macys, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Nelnet, 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:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX  reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, 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:
XXXX, XXXX, EQUIFAX AND XXXX  CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had XXXX XXXX. Due to service issues and consistently inaccurate bills with charges that were not as agreed, we cancelled service. We returned all equipment. In early 2017 we were contacted by a collection agency stating we owed {$140.00} to XXXX XXXX. We disputed this debt as we had not only returned our equipment but we had prepaid for services that were cancelled and not refunded, yet they proceeded to file a collection activity on my credit report. 

We were unable to remedy the situation with XXXX or the collection agency and filed a report with the CFPB in XX/XX/ 2017. The collection agency was unable to verify the debt with XXXX and deleted the error from my credit report. 
Last month I received a call from a new collection agency Southwest credit systems that a debt of {$140.00} from XXXX had been placed with them. I explained this matter was already resolved and XXXX could not produce documentation that it was a valid debt. I told them I was disputing the validity of the debt and of the sequence of events listed above. I asked them to send documentation it was a valid debt. I never heard from them again. Today, I was alerted that they placed a collection on my credit report for {$140.00} due to XXXX. 

Obviously, this debt is not valid and has already been proven as invalid and deleted from my report once. This was explained to south west credit systems yet they proceeded and are damaging my credit. I want the item deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Source Receivables Management LLC
State: TX
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:
Source Receivables states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate 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 2020-01-23
Company: Experian Information Solutions 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:
Submitted a dispute about an account I have with XXXX XXXX Bank credit card concerning an outstanding balance that was paid in full back in XXXX but still showing a balance on Experian credit report. I submitted a dispute and now Experian claims that the credit reporter XXXX XXXX XXXX XXXX certified the balance as true, however, it is most certainly not correct as I just looked at my account online and shows a - {$38.00} balance which means they owe me money not me owing them. I feel that Experian was derelict in its duty to properly investigate the matter an a mere " certification '' from the creditor isn't sufficient to protect my rights under the FCRA. Credit reporting agencies should be required to diligently conduct a full investigation and not just take the creditor 's word for it.

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 2020-08-29
Company: Regional Management Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: VA
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 don't know what is wrong with Macy 's credit card company. Are you deliberately not reading what I wrote? I just said in my last complaint that I tried to pay on time but you phone agents hung up on me after waiting on hold for an hour. I tried to pay at the store and I thought that I had paid but you NEVER sent me any notifications that I was late on payments. I didn't find out that I was late on payments until I started getting credit report alerts about these 90 day delinquent charges. Had you stupid agent not been lazy and did her job instead of hanging up on me I would have paid it right then and there. It was YOUR fault that I did not pay on time not mine. I have MANY other credit lines and NOT one has had a delinquent charge in more than a decade. Look I have a Macy 's executive 's email address and phone extension. I am not the only one tired of Macy 's XXXX. You seem to be screwing over other people as well. If you do not fix my credit report I will be posting a review with all her contact information so other upset Macy 's credit card holders can have a chat with her. FIX MY CREDIT NOW!

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 2019-09-26
Company: EQUIFAX, INC.
State: NJ
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME ; I HAD NO KNOWLEDGE OF THIS ACCOUNT THAT APPEARED ON MY CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE. BECAUSE OF THIS NEGATIVE MARK, IT IS NOW HARD TO APPLY FOR NEW CREDIT. SO PLEASE HAVE THIS DEROGATORY REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: UNITED BANKSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was sent to them my letter about that this debit card of United Bank was made transaction like secure. And i was provide to them my bank statment from another bank. So, i recieve ther letter that they think it was like a fraud transaction! Not a other mean purchase. OMG, bank close please

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 2017-08-03
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notification from Transworld Systems Inc. in XXXX XXXX, PA in XX/XX/XXXX that I owed tuition from XXXX XXXX University. The XX/XX/XXXX and XX/XX/XXXX tuition was paid on a credit card and I called the school to confirm payment receipt. They said they did n't know why this was turned over to a collection agency. I called the collection agency and they wo n't work with me. I made copies of all my payments including the account printout from the school with my XX/XX/XXXX and XX/XX/XXXX account information showing a XXXX balance due. I sent this information to the collection agency certified mail with a return-receipt confirmation. I would like the school and collection agency to get their accounts straight and ensure my credit rating has not been affected by this inaccuracy. I am enrolled in the XX/XX/XXXX semester and the tuition information is reflected on these statements but will be covered in the fall with student loans and personal payment. Those figures are not part of this issue as I just registered for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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 ran my Experian report and found inaccuracy on my report from XXXX Account # XXXX. I have written a letter to Experian on XX/XX/21 and XX/XX/21 to make the correction. They have not responded to the letter I send on XX/XX/21. They only responded to the second letter stating that it has been charged off and settle for a les amount. I have explained to the that it not reporting correctly. This account has been closed and paid in full for almost 24 months. It keep showing up reporting different information. I also have a letter from XXXX  showing that the loan was paid in full. It keep repporting different information. Copy of the last report is attached.

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 2020-11-16
Company: JPMORGAN CHASE & CO.
State: MN
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:
There are many things that are disturbing about this entire situation regarding the car lease with JPMCB Auto ( Chase Bank ) that I want to bring to your attention : - My car lease was a 36 months for a new 2017 car due at the end of XXXX. I in early XXXX, I called Chase and asked to extend it for six months and, on a recorded line, the gentleman said Sure, no problem. Were doing that for all our clients. '' I've extended many car leases over the years without an issue. 
- So every month since following that call it was paid on time : XXXX, XXXX, XXXX, XXXX with no problem. 
- When I went to pay the lease on XX/XX/XXXX, the due date, the automated system said this account is closed. 
- After talking to countless people, Chase decided ( after taking numerous payments ) I never had authorization to extend the lease so they abruptly closed the account and wrote it off. I asked for the paperwork to buy it several times and they would not give it to me. 
- On XX/XX/XXXX ( after then turning it over to a collection attorney who also could not get the buyout information or any information ), the placed on a my credit report this statement : " Major Derogatory JPMCB AUTO It looks like your account with JPMCB AUTO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. '' That is a flat-out lie and fabrication - Yes, I called them and they were willing to do NOTHING. And they claimed it didn't go magically to credit reporting but it did. My credit rating sank 150+ points from that comment. 
- I believe that there is a precedent in law that basically says behavior validates the contract : In other words, Chase kept taking the money and then falsely reports that it is delinquent and then claims abruptly that it is closed. 

Chase has portrayed me as a a loser a year ago while they got ALL their payments with one late because Choice Bank ( the account linked to their ACH payment ), put an ACH block on the account back last XXXX. Explaining that also got nowhere. People that answer phones are just one level short of automated machines. 

This is not only inaccurate it is literally defamation. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
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:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Equifax reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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:
XXXX, EXPERIAN, XXXX AND XXXX CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH 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 2017-08-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Settlement with Wells Fargo on X/XX/16 - we were required to provide funds to complete the required XXXX repairs and cost to purchase the above property. Wells Fargo applied the unused fund to pay down the loan. We believe that ( {$1000.00} unused ) money should be refunded to us since it was not part of the loan amount. We contacted Wells Fargo numerous times in writing and through many phone conversations. When we were not able to resolve the dispute with Wells Fargo, we contacted U.S. Department of Housing and Urban Development in writing who in turn directed us to contact your department. Hopefully, someone there will be able to help us resolve this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: College Foundation, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions 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:
Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on Experian reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: NC
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:
Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief