BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
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:
Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed XXXX has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reached out to the Federal Trade commission regarding fraudulent activity on my credit reports. This information must be investigated and removed immediately as it is directly effecting my credit.

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 2017-08-07
Company: Admin Recovery, LLC
State: MA
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 which is with XXXX XXXX originally. It is with admin recovery now I paid in full XXXX XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called XXXX on XXXX XXXX 2017 they said to call admin recovery to do it. Admin recovery said the opposite that XXXX XXXX XXXX has to update it because they were the original lender. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma 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 2020-05-12
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Allied Collection Services. XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX A notice for collection of debt. Dated XX/XX/2020. 
A total of XXXX dollars. 

Phone calls were received and a letter with debt collection notices was obtained. This is false. 

By calling the California Attourney Generals office we were instructed to send them a letter asking for true information about this debt and a cease and desist if this is false which we believe it is.

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 2020-01-21
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I tried to make a deposit of {$200.00} using the ATM inside the lobby of my PNC bank, but Instead of using my debit card from the bank, I used my credit card by mistake when I put the {$200.00} in the ATM. The ATM took the deposit and gave me a receipt that said transaction can not be processed and kept my {$200.00}. I spoke to the manager XXXX XXXX he told me to have the issuer of the credit card file a payment research request with PNC so they can do an investigation to see what happened to my {$200.00}. I contacted the credit card company and the credit card issuer said they can not find the payment and to have PNC trace the funds. I consider this incident a malfunction of the ATM operated by PNC and feel that they should be able to investigate without need for a request from another company, the ATM receipt shows the time and sequence number, so PNC should be able to verify with video footage that Im telling the truth.. I would like PNC to return my {$200.00} that the ATM should have returned to me since the transaction could not be completed. Please see attachments. Thanks XXXX Pnc bank I used was the one in XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The student loans I acquire was with XXXX University which is currently under investigation for illegal student loan practices and funding for students. I have tried many times to get my students loans forgiven because of this and has been not successful. In my attempts to contact the student loan company I have been on hold for hours or the phone would disconnect. Sometime I keep getting switch between operators until the phone would just hang up suddenly. This is very unfair and unprofessional when I'm only trying to info on resolving my student loans and to see if they are eligible to be remove as debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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 am a victim of identity theft

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 2021-05-29
Company: Experian Information Solutions 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:
I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS XXXX XXXX LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: All American Check Cashing, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
All personal and credit reports added to my account are incorrect and needs to be taken off my credit report and payments over seven years old, also need to be taken off my record, all those addresses that were added to my account are incorrect, I never lived in Texas, please correct, I dispute all information needs to be taken off my record

Company response to consumer: Untimely response
Consumer complaint received 2020-01-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied the Citi XXXX XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX XXXX bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX points. Tried to contact Citi customer servicevia online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see 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 2018-06-25
Company: AES/PHEAA
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX, I communicated in writing to PHEAA via certified letter with return receipt seeking an investigation on the entries they were reporting on my credit report. To date, over 60 days later, I have received no correspondence from them. PHEAA has not attempted to respond to my request, yet when I disputed the inaccuracy of these entries with the credit bureaus, the bureaus responded that the entries were verified. This response prompted my communication to PHEAA. PHEAA has reflected late payments from XX/XX/XXXX thru XX/XX/XXXX. I do feel and believe that these entries are erroneous. I keep all of my records regarding student loans and I take full responsibility for my obligations ; however, having not ever received any information nor communication from them regarding the alleged delinquencies has me baffled. Additionally, the reporting among the bureaus for these accounts vary. How does the same alleged accounts on the 3 bureaus vary in the payment history? PHEAA does not even reflect payment history on the XXXX report? How so are the entries validated? 

If PHEAA is truly reporting accurate information, they should have been able to respond to my request and justify these entries with the corresponding documentation that substantiates the reportings. To that end, these entries should be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX  was order by the court to dispute or deleted these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
XXXX XXXX2018 American Express make a hard inquiry with wasn't authorized by me I would like this to be removed as it is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: Nelnet, Inc.
State: MO
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 have been trying for almost 2 months to get information from my student loan servicer about the terms and conditions of my student loans. they have at various points said they would send it then didn't, said it doesn't exist, said they have it but can not send it to me, said they have it but are not obligated to share it. I would like a copy of the full terms and conditions of my loan agreement. I've never had an issue with any other lenders I worked with on any type of loan to get a copy of the full terms and conditions of a loan. I've never seen a contract that was enforceable with only one or two pages of a  multi-page contract but that is what XXXX keeps saying is the case. I am asking for what I have been asking for during this entire issue, a copy of the full terms and conditions of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The card is tjmaxxx credit card and I never opened an account it says it was opened online on XX/XX/XXXX I just see it in my credit report it says the account was closed on XX/XX/XXXX and the amount owed is {$490.00} as of today I tried contacting and disputing it with the credit card company and havent gotten an answer I never opened this account and it was used in a town I dont live in this isnt the first time my info has been stolen and used please help me its hurt and is still hurting my credit so bad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Previously a victim of identity theft, as a result account with XXXX XXXX XXXX was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, XXXX is still pursuing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Midland Funding, I was sent a letter on XX/XX/2021 by the company XXXX XXXX XXXX XXXX XXXX about an alleged debt that I supposedly owed. On the letter it shows Midland Funding XXXX XXXX as the current creditor but I have not had any debt with your company or XXXX, who it shows as the debt collector. 
I requested for all written verification of the original debt and that it be sent to my address, showing what purchase ( s ) I made and the total principal amount owed on this alleged debt. I also requested a copy of the alleged final account statement from the 'original creditor ' or even from your company, as it shows you being the 'current creditor '. Documentation showing the total for these charges and the fees applied to them, the dates for each fee and the dates each were incurred is also requested. Also please provide the date this account first became past due and the date this account first went into Collections. At a minimum, I'm requesting a copy of the original signed agreement between myself and the original creditor showing proof of such exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have written to this company and asked that that the information they keep in my credit file be 100 percent accurate and that if its not then they need to correct it. They have not done so. The continued reporting of inaccurate information is a violation of the law under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone has created a fake account with my email on XXXX. I keep getting email telling me to verify my account. And that my account a has been verified!!!! Apparently XXXX does not have a support service. I opened the email to find out its some type of bank card! I NEED THIS REMOVED ASAP! Someone is committing fraud under my Email ( XXXX )! Wouldnt surprise me if they are using my name too!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I've spoken with Experian Credit Bureau on a number occasion regarding their reporting practices regarding information should have been deleted or incorrect there response they get their information directly from the creditor. I contact creditor directly and they state something differently. One example is XXXX XXXX who deleted an inquiry from my XXXX XXXX and XXXX  credit reports. So why is Experian showing a inquiry after XXXX XXXX submit paperwork informing them they were removing the inquiry. Why is Experian credit report showing also most two months difference in reporting on my report Why is there XXXX point difference on my XXXX  credit and XXXX point difference on my XXXX report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: DISCOVER BANK
State: WI
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 a loan with XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had a debt that as that has turned into a time-barred debt. The collector XXXX XXXX  XXXX I believe has broken the law and has garnisheed my wages on a debt 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Stearns Ventures, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recieved a letter from XXXX XXXX  on XX/XX/XXXX stating my mortgage loan would be transferred from Stearns lending LLC to XXXX XXXX  effective XX/XX/XXXX. In this notice of servicing transfer, it stated Stearns lending LLC would stop accepting payment recieved from me after XX/XX/XXXX. Those are the words used verbatim. I recieved another letter from Stearns lending LLC on XX/XX/XXXX stating The notice of loan transfer it states verbatim : the servicing of your mortgage loan is being transferred, effective XX/XX/XXXX. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Stearns lending LLC c/o XXXX XXXX XXXX is now collecting your payments. Stearns lending LLC c/o XXXX XXXX will stop accepting payments recieved from you after XX/XX/XXXX. XXXX XXXX   mortgage will collect your payments going forward. Your new servicer will start accepting payments recieved from you on XX/XX/XXXX. Send all payments due on or after XX/XX/XXXX to XXXX XXXX XXXX  XXXX at this address ( then they gave me the info for XXXX XXXX  ). I then set up automatic payments to start for XXXX XXXX  on XX/XX/XXXX on their website. I looked at my bank account on XX/XX/XXXX to make sure the new payment went through smoothly to see a negative balance because Stearns LLC STILL took my mortgage payment out. So, now I had paid my mortgage payment not only to XXXX XXXX ( new servicer ) but the payment had also been made to Stearns as well without my permission. I tried calling Stearns on XXXX and someone told me they were taking care of it and they would overnight me a check. That never happened. I proceeded to call both companies numerous times daily for weeks trying to figure out where my money was and neither company knows where it is. Stearns stated on XXXX over the phone that my loan was actually tranferred on XX/XX/XXXX and that the funds were sent over but XXXX XXXX  states those funds ( the mortgage payment made on XXXX to Stearns ) was never recieved and that it could take up to 30 days from the transfer to see those funds. Another person stated from Stearns that the money was in a suspended area of the account and that they dont know where the money is now. I am currently on maternity leave and I do not have the money to be able to pay my mortgage this coming month now because Stearns took this money from me and refuses to give it back. I filed fraud for the payment at my bank a week ago but still have not recieved any information as to where this money is or how to get it back. I am out of options and need help.

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 2020-08-30
Company: PREMIER HOME MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a usda home loan and the loan officer never got back to me with an answer wether I was approved or denied. I made several attempts to reach out to the company and no one responded. Company ran my credit and obtain all my personal documentation and its been a month since I applied.

Company response to consumer: Untimely response