BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed an account with XXXX XXXX XXXX with Experian and on XX/XX/XXXX they claimed that the company verified the information to them. I find it funny how they verified the information with Experian when I also directly disputed the information with XXXX XXXX XXXX and did not receive validation fully this alleged collection is reporting inaccurately to my report. I was never given valid validation from Experian about this debt how can Experian verify this debt as accurate with the dates all out of sorts they claim this alleged debt was opened XX/XX/2013 but claim the alleged medical service did not happen til XX/XX/2013. I was never provided from Experian are XXXX XXXX XXXX a copy of the hipaa authorization form are any contracts with my signature bearing responsibility to alleged debt. Experian would not give a explanation of how they verified the alleged debt. By no means is this debt valid are do I have any ties to said alleged debt.

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 2018-07-31
Company: GFS, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter on XX/XX/XXXX for property damage and unpaid rent. {$3.00}, XXXX is the amount owed. I do not owe this debt and I also had no knowledge of this debt.The rental company kept my deposit on XX/XX/XXXX so I was under the impression that they would repair the property with the kept deposit. I spoke to the collection office on XX/XX/XXXX and it was then that I learned of the debt which I believe is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I submitted a signed letter to Trans Union verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section XXXX to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Trans Union and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Trans Union an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.

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 2018-04-23
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, my name is XXXX XXXX. I work at XXXX XXXX  XXXX Banking XXXX in XXXX XXXX, California. This morning at XXXX I received a unknown caller that said he was calling from XXXX embassy that they have two certify mails from XXXX XXXX police department addresses to me about this case, reference no XXXX. Then I got transferred to speak with the supervisor XXXX XXXX XXXX XXXX. She told me that the police in XXXX had caught this lady named " XXXX XXXX '' and find out she has XXXX - XXXX debit cards under different names and one of the card is under my name. XXXX XXXX told the police she bought this debit card from me that she paid {$3000.00} to me. " The Police '' in XXXX also found out in XX/XX/2018 I was opened an account at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX branch, New York. I haven't been to New York for more than XXXX years. The embassy even transferred my call to have me spoke with " XXXX XXXX '' in XXXX XXXX XXXX police station. " XXXX XXXX '' wanted to take my statement by asking first my phone number, and I answer him that how do I know that you are the policeman. He said " understood '' then hung up. After half an hour I received three different numbers phone calls XXXX XXXX, XXXX and XXXX ). I block all those numbers from calling back and I block my caller ID and called those number back, so the calls are ringing and went to voice mails. I left messages for them said that I need more information for police record. I really think these are scam and would like to have someone look into those phone numbers and prevent it happening again. Thanks a lot and much appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 customer service

Complaint:
Bank of American makes it effectively impossible for consumers to communicate with it without visiting a branch in person. Tonight, for example, I attempted to ask a question about my credit card account. BOA 's website does not allow for email or chat. Instead, consumers must call or visit a branch. 

Yet calling is a dead end. I spent 10 minutes setting up an automated call from a BOA representative to be placed " in more than 30 minutes. '' When the call came, I navigated through additional prompts and then .... it hung up on me. Moreover, I have tried to call again and have again been on hold for more than 10 minutes. If the last call suggests anything, it's that the wait on this call will also exceed exceed 30 minutes and then the call will disconnect again - creating an embarrassingly time-consuming loop. 

If BOA cared about its customers, or about providing the service it promises, it would : ( 1 ) provide ways for consumers to reach BOA without visiting a branch ; and ( 2 ) remove the false claims that it can be reached by phone ( which waste its customers ' time ).

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 2021-03-04
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tried several times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 both online and over the phone to pay a bill that showed as deliquent in email but everytime I tried to pay online ( with current routing numbers of my bank ) I would get a payment processing error. Now I am being told I have an additional late fee and there is no waiver. My credit score had suffered through issues paying this card and the inaccessibility of their online platform..

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 2019-02-04
Company: Experian Information Solutions 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:
Hello, I submitted a signed letter to XXXX XXXX verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX XXXX and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX XXXX an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.

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 2017-12-06
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XX/XX/XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. Citibank is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to XXXX XXXX XXXX XXXX. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from Citibank. This letter was sent in XX/XX/XXXX. On XX/XX/XXXX, I receive a letter from XXXX XXXX XXXX XXXX stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a Citibank statement dated XX/XX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.

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 2019-02-04
Company: EQUIFAX, 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 am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX XXXX, EQUIFAX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: TN
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX, Company Inquiries : 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 2017-12-06
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive sent to HIPAA letters already informing Medical Data Systems That theyve violated my privacy by having information from a medical provider and asked that they delete it immediately from my credit report which they have yet to do but insist on sending me debt collection letters. Its illegal for them to have any information dealing with private medical matters! Theyre also not licensed in the state of Georgia where i reside. This account was added between XX/XX/XXXX-XX/XX/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 2019-02-04
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.

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 2018-07-31
Company: Lenox Financial Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2017, I applied and was approved for a loan with Lenox Mortgage. They quoted a closing cost of approx {$900.00} to {$1100.00}. The company went through 3 loan processors on my loan due to lay offs etc. This delayed the closing of the loan by approx 6 months, and then charged me points to extend the loan. I paid over {$6000.00} in closing costs. They offered no relief. They said the informed the Vice President,  but I never heard from her,.

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 2018-07-31
Company: Checkr, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Each time i applied for driving job, my background check came back not favourable simply because of inaccurate information or perhaps CFPB has not updated/reconcile my driving record with XXXX. This has not been treating me fairly. I have ordered my driving record at XXXX and also send to the company that is trying to hire me, but i also need you to reconcile and update my driving records in line with XXXX records. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and a victim of the XX/XX/XXXX XXXX data breach. The following accounts and credit inquiries are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. These fraudulent accounts and credit inquiries are from my personal information being compromised from the XXXX data breach in XX/XX/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 2018-07-12
Company: Experian Information Solutions Inc.
State: IA
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:
In XX/XX/2018 after reviewing my credit file I noticed an account from XXXX XXXX XXXX {$550.00} that was opened up fraudulently. I contacted XXXX XXXX XXXX four times over two weeks about this account. XXXX XXXX XXXX informed me that they notified Experian, XXXX, and XXXX on XX/XX/2018 to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018.

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 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XXXX XXXX has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX XXXX accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-02-04
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, Tenn XXXX I was XXXX and on XXXX because of a XXXX XXXX I have only ever had a XXXX payment as my income, Vanderbilt excepted this 18 years ago, now my Mother and Fathers health is failing my Father is on XXXX Now they both live with me and my XXXX years old son, we only have around {$1200.00} per month between us coming in to the home. 
I have tried to talk to Vanderbilt several or actually I had a friend talk for me in my presence because I have a difficult time expressing myself because this is my home and I get very emotional, the last statement I received from Vanderbilt was on XX/XX/2019 was asking for a payment of {$27000.00} before the will discuss a modification. I do not know what to do, I realize now I was taken advantage of, I welcome any help you can offer. 

thank you

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