BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-24
Company: William D. Meeker Enterprises, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never have applied to any housing loan or mortgage and I have never authorized any inquiry of my credit for such a thing..I don't understand how on XX/XX/XXXX a hard inquiry by CIC MORTGAGE CREDIT was made ... this could be a potentially identity theft I am currently living in Florida and apparently the inquiry was made by a company in Tennessee. 

This the report from XXXX : Inquirer Name CIC MORTGAGE CREDIT IN Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage Reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got this account caught up about 2 months ago and have been making payments ever month but it shows on my credit that I havent make a payment in months. Santander USA is the company and it says my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I recieved a voicemail on XX/XX/2020 at XXXX from a restricted phone number that stated " hello, XXXX. My name is XXXX XXXX maam contacting you once again now you case number being filed out of XXXX County ive reached out to you several times ( im assuming restricted ) maam over the last few days all correspondence has been ignored youve left me no choice but to forfeit your legal rights and proceed to have you located. We have now verified you commercial as well as several residential locations. Im just saying ms XXXX you still have the legal right to contact the office processing your case prior to the order of location being released. I will provide information to that office once again so there's no way for you to state you did not have prior knowledge to this matter. The number provided to that legal office is XXXX again maam you will need to provide case number XXXX. This is considered your final legal notification by phone and XXXX XXXX you will be located unless im instructed otherwise. '' I called that number at XXXX XX/XX/XXXX and was told that I could pay XXXX or pay ( if memory is correct ) almost XXXX dollars in fees and i had also informed her that no one has tried to contact me and if they had it had been restricted. I also told her to take it out at XXXX and they attempted to take it out at XXXX XX/XX/2020. I later recieved a phone call from a restricted number yet again at XXXX XX/XX/2020 about the attempt from the " search party '' saying that my file ended up back on her desk. So I then asked the name of the company and she said " XXXX '' i then later checked my account and the name said XXXX. I later went to the XXXX XXXX XXXX website to get information and it stated that my debit went to the XXXX XXXX National Management Recovery Corporation and i called them at XXXX. They processed to inform me that it was sent to another company called XXXX XXXX with whom I have left a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For many years these bureaus have automatically placed extended fraud alerts on my credit file each time I am advised the alert or consumer statement is added i call and write in to have it removed. They all remove it and within 45days its re-entered the main issue I have with alert it always have a phone number I have never provided or have access to. Overtime they have system glitch issue the alert and incorrect phone number and numerous inquires are added onto report without my doing or knowledge. From time to time good accounts that are mine paid onetime are removed, blocked stopping the creditors ability to report. And late payments on accounts that creditors have sent in letters to have late reporting removed.

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 2023-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I NEVER gave, Equifax Information Services , LLC any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

Equifax Information Services, LLC, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I haven't received the {$200.00} sign up reward as advertised below by Valley National Bank after meeting all the direct deposit requirements. 

XXXX XXXX  XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX   XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-09-18
Company: EQUIFAX, INC.
State: OH
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:
This is not my account and another collection company is stating they owns this account on the XXXX and XXXX. Therefore this account information is inaccurate and need to be delete. Also, I'm unware of this debt did not have the opportunity to dispute as I have never received information. 

XXXX XXXX XXXX # XXXX Please provide verification, method of verification and validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: ERC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX keeps reporting a fraudulent account on my credit report even after they sold the debt to ERC. Theyre ruining my credit when I sent in all the proper paperwork. This account was already removed due to fraud and they keep selling it and keep reporting it to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Radius Global Solutions LLC
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: Account information incorrect

Complaint:
The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.

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 2020-10-21
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX stated I had renewed a contract and terminated early. I did not renew any contract because I did not want to upgrade my phones since I'd be switching to XXXX, who was my employer. 
I have asked XXXX repeatedly for the signed contract but they said they don't have it. Instead they sent me a copy of the bill. Convergent Outsourcing stated XXXX did not give them proof of signed contract, they too only have a bill.

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 2020-10-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Ive been disputing this card since 2017 this account was opened fraudulently Ive filed a police report Ive filed a FTC AFFIDAVIT which Ive sent to both credit bureaus and wellsfargo and they still continue to report this to my credit report i do not know what else to do Ive done everything required by law to correct this problem but i cant seem to get them to correct the problem

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 2021-08-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit continues to call from various numbers. I do not have an account with them. My wife does. They started calling my daughter as well. The calls are coming 2-3 times a day from multiple numbers and to my work phone which has been affecting my job. Theyve been calling constantly for the past few months as recently as yesterday XX/XX/21. Ive blocked numerous phone numbers and they just come in through several others from MI, CA, MN. 

This was for some debt my wife has and I made an arrangement with them ( on my wifes behalf ) to pay it off but they did not continue after the first payment. Im not responsible for them breaching that agreement and I will not reauthorize. Yet they continue to call daily and even on weekends. I would like this to stop immediately. Especially since its not my debt to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: OPORTUN FINANCIAL CORPORATION
State: OH
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:
Opportun/XXXX  XXXX Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XX/XX/2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of Opportun/XXXX. I have also never had a visa credit card. I did not open a credit card other than a master card 2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX back in XXXX. I have also never been contacted by Opportun/XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted Opportun and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Truist Simple Business Checking account using promo code XXXX at the branch on XX/XX/2023. The code was successfully applied and can be found at offers.truist.com. The promotion terms say : " XXXX. Make {$1500.00} or more in qualifying deposits into the new business checking account within 30 days of account opening. XXXX. Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. " I have completed both requirements ( please see attached screenshots for proof ). However, it still shows " Enrollment Pending '' offers.truist.com rather than " Reward Pending ''. I called Truist XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023 on a recorded line. Even though the agents I talked to confirmed that I have enrolled in this offer and I have completed the XXXX requirements ( please check the recordings on the recorded line ), they can not help me get the {$300.00} bonus. They just transferred me to another agent again and again, which put me in a loop. Would you please investigate and resolve this issue? Thanks.

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 monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
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:
XXXX, equifax, and XXXX  all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
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. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lendmark financial services are sharing my personal information to the credit beauras such as my payment history. By law that is prohibited in state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: LA
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:
My identity was stolen resulting in unauthorized ACH attempts on my checking account. XXXX XXXX closed my checking account due to it having a negative balance from the identity theft. I called to have this resolved and they said since it happened over 3 months ago then they can not launch an investigation. They also said they can remove the negative information from my report if I pay the negative balance, they said they are not concerned about my identity being stolen they just want their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called Capital One on Fri XX/XX/20 to redeem my matured CD. Since my branch is closed due to Covid and the next closest branch is 1hr15min away I asked if they could send it electronically to my bank. They said no we have to mail you the check. It's about {$90000.00} so I asked if they could send it certified and they said they would. It is now almost 5 weeks later and there is no sign of the check. I have called 6 times and every time I've had to wait a grueling 45 min-1 hour with a horrendous music loop that is like water torture. I don't say this to be dramatic I am serious. It is bad, really bad. Each time I call I have to explain the whole scenario and they invariably send me to a supervisor only for me to explain the whole thing again. On one occasion I spoke to a supervisor named XXXX and on another occasion I spoke to a supervisor named XXXX. Today I talked on the phone with an associate and she elevated it to XXXX, then he elevated it to XXXX and then she elevated it to XXXX. Each time in between I had to explain it again and then hold with the horrid music. They said they had stopped payment on the check and they would mail ( they said they can't email it ) out a lost check claim form for me to fill out and then review it. I've been waiting on this form for over two weeks and no sign of that either. Why am I having to wait for a form that I am required to fill out and have notarized and and then send back for them to review and then start a long process of waiting all over when I wasn't the one who lost the check. They sent it out without any kind of tracking or signature required by the recipient. They're sending out massively large checks by first class mail with no idea if the checks will ever get there or any way to trace it. The supervisor XXXX admitted that they are supposed to XXXX   all checks over {$50000.00}. I keep waiting and hoping someone will acknowledge how outlandish this is and cut the red tape and get me my money. By holding on to my money they are defrauding me out of {$4.00} interest a day which is what my CD was making and thus far I have lost well over {$100.00} in interest waiting plus an opportunity to deposit the money in XXXX and get a {$300.00} bonus on an offer that has ended. I am at my wits end. I desperately need this money to live on. I am a senior and it is most of my life savings. PLEASE, PLEASE HELP ME RESOLVE THIS HEARTWRENCHING PAINFUL SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Resurgent Capital Services L.P.
State: AZ
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 was a victim of identity theft. 
I didn't open this account or give anyone else permission to open the account. I have been trying to dispute this account and didn't get anywhere. 
The account was opened fraudulently with different email address and phone number attached to the account, but they will not even give me access to the account and will not tell me any information on what was purchased or how it was used. 
But the card company harmful to my credit report. This is been going on for a long time now, and I don't feel that I should be responsible for the charges to the account I didn't open. Can someone please help me in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

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