BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX, I noticed my credit score suddenly dropped about XXXX points. I immediately called XXXX to understand what happened as I always pay credit cards on time and have no debts. I was informed that a company called Credence Resource Management was trying to collect a debt regarding internet services from XXXX XXXX XXXX for {$180.00}. 
On XX/XX/XXXX, I immediately disputed the charges and provided proof that XXXX confirmed the cancellation of my services on XX/XX/XXXX. However, XXXX continued to charge me through XX/XX/XXXX, despite confirming my services ending in XX/XX/XXXX. 
- XXXX removed my account from being visible so i never even knew that there was a charge on my account to begin with. 
- I was NEVER notified or contacted by Credence Resource Management about their attempt to even collect any debt. I have no mail or email or phone calls from them.

After I disputed with Credence Resource Management and provided proof of service cancellation, they replied on XX/XX/XXXX, claiming the charges are valid. I called them to understand how that is possible and they said they no longer handle XXXX & XXXX as an account, so they wouldn't even be able to collect the debt, let alone investigate it. 
I called XXXX on to find out who they have hired to collect the debt and NO ONE was able to help me, none of the representatives were able to find out that information. I have call logs for 2 hour and 10 minutes until i reached someone who was able to take the payment. I proceeded to pay the {$180.00} in hopes that my credit score can go back to normal - at this point my main concern was my credit, not the charges even though they are invalid. I still do not know who XXXX has hired to collect a debt that i never owed in the first place, nor do i know how to bring my credit back to its original score. 
I am asking for justice and help here, I am a model citizen, i pay my taxes and have no debts, with a perfect credit score. This situation has completely stopped my ability to buy a home, or even move to an apartment because my credit got hurt by something i did not even know about. This probably has gone on my record as well without my knowledge, hurting my chances to ever buy a home or getting clear background checks. Please help me resolve this matter to bring my credit score back to normal. 
I appreciate all your help and have attached the documents that provide proof of cancelling internet service along with my email with Credence Resource Management, who investigate a charge for an account they do not even work with. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When I signed for the loan through XXXX said the loan was for 15 years. I needed a cosigner at the time. After repairing my credit I tried to have the co-signer removed only to be denied. My cosigner passed away and I submitted the certificate of death and they have still yet to remove her ( it 's been over a year ) Navient said a law firm XXXX would contact me. No letter has ever come. In this process I found that when XXXX sold my loan to Navient they changed the time period to 21 years. My loan was for XXXX and they did n't apply anything to the principal until just recently. After the loan is paid in full I will have paid XXXX dollars for a XXXX dollar loan. I 'm half way through repayment and my payment is XXXX dollars a month which is on auto debit. It 's more than my car payment. Everytime I have emailed they show no track record of it in the Online inbox and have yet to follow through on the co-signer issue as well as sending me a original copy of the XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
Bank of America is refusing to produce proof of a conversation I had with an associate in which I was told to pay less than the amount I owed for XX/XX/2016, which caused me to come up short {$36.00} for the month and they reported me late. Ive written to the CEO, XXXX, spoken to a couple special services reps and have gotten no where. Since this was done with a phone rep, there are no written records on my end, so Ive asked them to produce the proof that my conversation with the rep I spoke to did not cause this. They know who I spoke to, as they have referenced it. Therefore, they must have some record of this. I want this false late removed, as I did what I was told to do

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 2020-02-17
Company: Experian Information Solutions Inc.
State: AR
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 the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00XXXX XXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOEXXXXI XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}

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 2020-02-17
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was looking on my credit report and saw a charge from speedy cash in which Ive never taken out a loan for. I submitted my complaint through them but they said Id have to file it with yall and or my local sheriff department. It was in XXXX of 2019 and it was for {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Colony Brands, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft. Seventh Avenue has been sending invoices for months on an account that I never created. Now they have reported my account as delinquent to the credit reporting agencies. This company Seventh Avenue is running a phishing scam. Now my credit is severely compromised. Ive had a score of well above 800 for more than a decade. Now its dropped by XXXX XXXX due to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A dispute and cancellation request due to faulty installation provided by XXXX ; XXXX ; XXXX ( " XXXX '' ), arose within 3-days of installation. After failed attempts by XXXX to rectify the installation issues, XXXX representative retained approval and agreed to credit the account in full and the account was then presumed closed. All items ( i.e. receiver boxes, remote controls, etc ... ) were returned with the provided box within the specified time frame requested by 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 2017-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is allowing numerous accounts to remain on my credit report some well past the date they should have dropped off.

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a new born baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX XXXX, XXXX and 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 2020-02-17
Company: Experian Information Solutions 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:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this 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 2017-06-19
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Investigator, Elanco Financial Svc. sh ows up on both our credit reports!   This account was never authorized nor opened by us and must b e Fraud!    We are DISPUTING this account and demand it be removed immediately from our credit reports.   Thank you,  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 2022-08-26
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
XXXX - received an unsolicited card from Netspend - XXXX XXXX XXXX- XXXX, TX XXXX. I tried to call the company ( XXXX ) but the automated system hung up on me. I do not know how they received my name / address and I am concerned with Identity Theft. I wish to report this as an unsolicited communique.

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 2022-08-26
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the XXXX XXXX XXXX I worked with my XXXX XXXX insurance agent to change my homeowners insurance plan. The agent said this plan would take effect in XXXX and that I would see a decrease in the monthly premium and therefore a lower mortgage payment. Fast forward to XXXX and my monthly payments went up ~ {$30.00}. I used New Rez 's webform to inquire as to why this happened and have followed up twice, but in the past 6 weeks have heard nothing. I hate using this medium to get answers out of them but it seems to be the only way to get them to answer questions. 

I'll also add in that in early XXXX  New Rez failed to pay my insurance company ( from my escrow account ) in XXXX resulting in my insurance company threatening to suspend my insurance. Then New Rez ended up telling me they were going to take out a policy on my house themselves and charge me for it all due to their own inaction. 
( XXXX  this second one has been resolved ( XXXX XXXX  got New Rez to transfer the payment ) but I'm including it as, lacking any evidence to the contrary, I have a sneaking suspicion that it is related to the above )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Sunrise Credit by a young lady name XXXX XXXX regarding an XXXX XXXX XXXX bill that was owing. I know that the debt was mine and accurate and wanted to settle it. From the beginning I told her that I wanted to take care of it so that the negative information would not hit my credit report. I gave her my debit card info XXXX it is linked to my checking account ). My purse was stolen which carried my debit card in it. It was a mess for me, having to order replacement cards, social security cards for me and my children, license etc. that I forgot to call Sunrise. XXXX called me back and informed me that my payment was declined. I told her the above situation and she stated that she would call me back, I told her to call me Tuesday XXXX because I would have my new card by then. Well the morning of XX/XX/XXXX, I was alerted that negative information was added to my credit report. When I checked, it was from Sunrise. I was never told that it would be on my report if I had an arrangement. I immediately call Sunrise and the lady that I spoke to told me that it would not be removed as the arrangements were voided. I am confused a sa consumer because I spoke to XXXX XXXX time within the same week, keeping her aware of the situation about my card and she never mentioned the negative reporting. Had I known this I simply could have provided my checking account information. This company has scammed me and refuse to right the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls from the ERC debt collection agency for a person named XXXX XXXX. There is no person by the name that lives here- no one by that name on any of the bills or mortgage associated with my address- or by that name in my family. I have told the debt collector that and have been told they would mark my phone number as invalid. They lied because they have continued to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Chase multiple times to request that they remove a hard inquiry from my XXXX  credit report, and have even received a written response from them saying they would remove it. I have disputed it with the credit agency multiple times, but they say they can not remove it until Chase contacts them. Chase has claimed they would do so within 30 days, but that way over 120 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: ENCORE CAPITAL GROUP 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:
There is a fraudulent account reporting on my credit file ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX_XXXXy XXXX- This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been in Active chapter XXXX bankruptcy since XX/XX/XXXX. Quicken Loans has been and continues to assign Auction Dates to my home. Ive complied to all terms and conditions of the bankruptcy. My attorney has requested multiple times for them to stop the foreclosure process and assignment of Auction dates. As recent as XX/XX/XXXX my attorney called and demanded they stand down on all foreclosure proceedings. The request was ignored and a new auction date of XX/XX/XXXX has been assigned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Hollins & McVay, P.A.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX from Hollins and McVay collection attorney froze my bank account for a debt the was not mine but the joint account holder, my wife. My account is still frozen and today a wage garnishment order was sent to my job for a debt in my wifes name not mine all the while my bank remains frozen. My wife and I called this attorney an employee there stated the answer from the bank was XXXX dollars XXXX XXXX then filed a stay and wage garnishment on me XXXX has yet to receive that stay however my employer has received the wage garnishment order and must answer. My wife who he levied my bank account for doesnt work at my workplace and XXXX XXXX knows this as his company garnished my wages in XXXX  for the same debt, same job same law office. My wife filed a complaint with you all already and was brushed off about it. Lets get this straight per Hollins and McVay today this isnt a medical debt at all as listed in the bank levy or garnishment of wages we were told a returned check. Which is it medical debt or a return check? Were in the process of bankruptcy all the while property taxes unpaid my wife had XXXX again the XX/XX/XXXX and no way to purchase food, medications or pay water, utilities or the like. An accident they said assuming my wife works at my job where they have already garnished me and room to continue as soon as you confirm and believe this guy without really confirmed anything. Again bank levy in my wifes name for a debt thats being sought after only in her name and now an attempt to garnish my wages under my wifes name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX., - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-08-30
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on the house onXX/XX/XXXX. My mortgage bank is responsible for my township taxes and it is paid out of the escrow. There was a shortfall for the property taxes they paid for XXXX on XX/XX/XXXX payment. I contacted the bank in XXXX regarding this matter they assured to me that they received the notice and they will pay it by XX/XX/XXXX. Yesterday I received a delinquent notice from the township as the mortgage bank has not paid the property taxes fully and now with the interest and penalty the amount is over 176.00 dollars. I contacted the bank yesterday but they were not cooperating. They said they have to research why it was not paid. I am a new home owner and i do n't want to have a bad relationship with the township. I pay my bills on time to me this type of nonpayment is unacceptable. I am afraid that the bank might not pay future property taxes on 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