BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Bank of America on XX/XX/XXXX after I received notice from my credit monitoring service that an inquiry by Bank of America had been made on my credit report. I spoke with a representative and informed that I did not request a credit card with Bank of America or authorize them to access my credit report. The agent assured me that the attempt at acquiring a credit card had not been processed and that she would terminate the application and the inquiry would be removed. This was in XXXX. It is now XXXX and the fraudulent inquiry is still on my credit 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 2021-10-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an identity theft they opened a credit card with this bank that account is fraudulent and I contacted them and they closed the account but I need to be removed from the credit bureau because it affects me. 

Account : # 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 2020-05-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The servicers in question are XXXX XXXX XXXX XXXX XXXX, Navient, and XXXX XXXX. 

Loan servicers XXXX XXXX and Navient have misplaced funds totaling {$6500.00} that is owed to me. 

On XX/XX/2020, I applied for a consolidation of a federal Perkins loan held by the University XXXX XXXX XXXX and serviced by XXXX XXXX, and selected XXXX as my servicer. 

On XX/XX/2020, I paid the Perkins loan serviced by XXXX XXXX in full, as I never heard from Navient about my loan consolidation. 

On XX/XX/2020, weeks after the loan was already paid in full by myself, XXXX XXXX received a payoff from Navient, thus meaning that I had a credit of {$6500.00}. The same day, XXXX transactions show a debit of that same amount, but with no details. A customer service agent claims that XXXX refunded the money back to Navient. However, Navient went ahead with the consolidation and pushed the loan to XXXX XXXX XXXX XXXX XXXX, which had a loan balance of about {$6500.00} added to it, which is a new liability for me although I paid the Perkins loan in full already on XX/XX/XXXX. 

On XX/XX/2020, I called Navient, and they know nothing about a refund from XXXX. XXXX claims they can not provide documentation to prove it was sent to Navient, so Navient will not give me my money back or look into it. XXXX has not sent me any official paid in full documentation or otherwise. XXXX has not provided any timeline or support in getting me documentation of this alleged transfer of money back to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
I've written several letters to XXXX, XXXX, XXXX and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.

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 2021-10-23
Company: EQUIFAX, INC.
State: TN
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 have been making payments to XXXX XXXX XXXX for years. I recently settled with them using XXXX debt restructuring and have not missed a payment. For the last three months they have reported to the credit bureau that I am not making payments and its killing my credit score. They are unorganized, sloppy and their mistakes are affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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'm the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer credit 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 non-monetary relief
Consumer complaint received 2017-10-13
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC has informed me that they are handling a collection account for XXXX. The issue is that the date this debt became delinquent was before XXXX and they are reporting it now as a XXXX debt so that it will age current and affect my credit for longer than legally required. What they are reporting is false and XXXX is required to furnish truthful information and so is ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: WELLS FARGO & COMPANY
State: DE
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:
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX of XXXX Car Dealer XXXX, MD XXXX XXXX XXXX XXXX. The amount borrowed was approximately XXXX. I had an excellent credit score when I entered the door. They told me they dealt with XXXX and would acquire the loan there. I told them I was going to check with my credit union and would probably get a better rate, which I did. XXXX was paid off with my new loan. I made a point of telling them I did n't want a lot of inquiries on my credit. I pulled up XXXX XXXX and found that my credit rating has been affected by the amount of Hard Inquiries they made. Is there anything that can be done about this? 

Inquiry details Wfds Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from 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 2022-03-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Innovis
State: MD
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:
On XXXX XXXX, XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XXXX XXXX, XXXX. Additionally I have submitted a sworn under oath, affidavit on XXXX XXXX, XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being Ally Financial and XXXX, XXXX, XXXX, and Innovis will risk a lawsuit with the state and federal courts for damages of this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call on Monday, XX/XX/2022 and missed it. Upon looking up the phone number, I realized it was a collections company. Having dealt with their tactics 6 months prior in regards to identity theft on my wife, I immediately called MRS Associates back. I was advised of an outstanding balance due under my name and social security number for XXXX XXXX. I advised them this was identity theft and that I have never opened an account with XXXX, nor have I ever lived in Texas, which is the address on the account. MRS Associates advised me that I needed to file a police report stating as such and email to them. I submitted the requested documentation, including the police report, placed a fraud alert on my credit file, and still MRS Associates attached a delinquency on my credit account with all 3 major bureaus. I maintain a credit score over XXXX and now have wasted hours of my time and lost over XXXX points on my credit score because of their dishonest tactics when I was very transparent with them. XXXX XXXX XXXX XXXX is a collaborator with the criminals in these situations in allowing accounts to be opened without proper verification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: NCB Management Services Inc.
State: PA
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 checked my credit report and noticed to inaccurate accounts. 

Account under the name of NCB Management Services has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. 

Account under name XXXX XXXX XXXX was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing the obligation of this debt in writing directly with the Creditor as well as with the credit bureaus. The credit bureaus fail to conduct a thorough investigation and simply parrot information from the Creditor. The results have continued to come back as verified. I have sent the Creditor over 4 letters requesting that they verify this debt they are claiming I owe them or remove it from my credit profile. The very first letter was sent to the Creditor the last week of XX/XX/2021. Not only have they failed to respond to my requests, they also continue to report this derogatory information on my credit profile. I have even noticed that the debt has been re-aged by 2 years with one of the Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: CITIBANK, N.A.
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:
XXXX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of Citibank N.A. services.
There is NOTHING on my XXXX consumer credit report to dispute ... 

This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of Citibank N.A. 

What XXXX information was used to reduce my credit line??? 

My XXXXX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint. 

After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A. reduced my Home Depot Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./Home Depot consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX  and XXXX XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my XXXX XXXXredit report that substantiates the claim from Citibank N.A.

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 2018-01-15
Company: CL Holdings LLC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: NY
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 just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about experian and XXXX credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and experian and XXXX should have received the same response from XXXX XXXX XXXX to remove this account off my credit 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 2017-12-27
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Re : Loancare loan # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXX I am fully up to date on my mortgage payments. I have {$2400.00} in my escrow account ( see attached statement ).

My mortgage servicing company, Loancare, failed to pay my city property taxes. 
I have been calling them multiple times, beginning in early XX/XX/XXXX, to verify my taxes have been paid. Customer service repeatedly told me they would take care of it, but as of today, XX/XX/XXXX, they have not paid them. 
I had to write a check for my city property taxes in the amount of {$830.00} and take it to the city clerk myself today. 
I should not have to pay my property taxes myself, when there is plenty of money in my escrow account. And when I repeatedly asked them to pay my city property taxes. This is fraud, as far as I 'm concerned.

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 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about XXXX and transunion credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and XXXX and transunion should have received the same response from XXXX XXXX XXXX to remove this account off my credit 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