BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Identity Theft Unknown Accounts My Name Keeps Getting Mixed Up And I Cant Pull Out One Loan Or Never Had A Credit Card But I Have Been Working All My Life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-28
Company: AG AH LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted proof of homeowner 's insurance on at least three different occasions, by phone, and online. After speaking with a XXXX specialist, by phone I was told that XXXX had my proof of insurance and that it simply needed to be 'loaded into the system. ' I continued to receive notices and again uploaded proof of homeowner 's insurance to their website. 

Today, I received a written notice that my HO6 ( Condo unit owner ) insurance has expired and they do not have evidence of my coverage. XXXX is threatening to purchase forecplaced insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Source Receivables Management LLC
State: NV
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:
Please be advised I sent a letter over 45 days ago without a response as per the FRCA. I know the credit bureaus are required to report in a timely manner or they must delete the erroneous items by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please investigate these accounts they are not mines and never late on my credit please help i have no one to help XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1900.00}, Payment : {$0.00}, Issue : Identity Theft XXXX  Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Identity Theft XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Identity Theft DPEDXXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late DPEDXXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late

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 2023-04-07
Company: EIC Enterprises
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Loan ( Tribal Loan ). Claims that I took a loan out in the amount of {$850.00} now resulting in a debt of over {$2000.00}. Was turned over to collections with XXXX XXXX at Tribal collection agency. I have stated that I dont even know what this is for. I have told them to stop contacting me. There is nothing about this on my credit report. They need to stop threatening to garnish my wages from my employer they have no court order against me. I have never even heard anything from them until they called my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in XXXX of XXXX  four accounts were placed under the XXXX as an umbrella for other business accounts. In XXXX We closed all businesses and accounts. We used a debt consultation company but Capital one would not work with them because these accounts were under the XXXX. I officially closed these accounts and made and was told the online access would remain open and we would work on a settlement option to settle the accounts under a payment option. The day I closed the accounts I was locked out of all information. I lost the ability to get access to past and current documents because I was lied to. We were charged inflated and undue charges. They said on the phone it was late fees ( we were current ) and over the limit fees and higher interest fees. I to this day have never seen billing or accounting of this. The the fees were about doubled when reported on the credit report. The credit report shows all XXXX accounts are over the revolving limit and currently late and in collections. In 4 years I have had no written communication. These should be reported under the EIN number for XXXX and not under our personal report. Capital One has said they would report one thing but does another. They said they were sending account files that I never received. Keep changing dates of closing and late fees on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed my credit profile through a credit monitoring agency. I noticed a derogatory item from the company. I never received any communication from this company. I never received information regarding validation of this alleged debt. I never received information that this company can legally collect debt in my state. The company has continued to add fees, making the alleged debt 's amount to increase. This derogatory item on my credit profile is affecting my good name. I take my reputation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: IN
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: Problem with personal statement of dispute

Complaint:
I downloaded the XXXX app. I cant seem to link my account to my bank account. If we could fix this issue so I can get to my check faster please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Crow Creek Sioux Tribe
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2022 i had an problem with some kittens at a vet. The vet told me about XXXX XXXX I went home and applied for the amount i needed for the vet. It was XXXX .Git it in my account the next day it stated that i could pay off the loan early. I made the payments of XXXX was drafted out my account twice a month on my pay period. I paid it off and they kept drafted my account after it was paid off. I took a closer look at the contract and it was different from when i first applied. I have to make 20 payments for two years. This shocked me because at the end i will pay over XXXX for just XXXX. I work at XXXX and my hours are being cut right now because business is slow. This draft is making my check short. I know you have to pay interest but this is too much. I need help to end this. They have made plenty of money off this loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

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 2023-09-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already file XXXX complaint with you guys against common wealth financial, for applying a debt to my report XXXX XXXX  each time failed to provide anything proving the debt and it belongs to me so the XXXX XXXX  ended with it being removed, my information has been sold now by this company to another debt agency called XXXX XXXX and XXXX, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX  XXXX for years, now after the last complaint with you, I filed XXXX against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called medicade, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX  are unable to provide any information, medicad says all medical and emergency isots over the last XXXX XXXX  have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 2023-09-02
Company: CL Holdings LLC
State: PA
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:
My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account. 

XXXX XXXX XXXX Date opened XX/XX/ Status Collection account. {$880.00} past due as of XXXX XXXX 
Status updated XX/XX/ Balance {$880.00} Balance updated XX/XX/ XXXX XXXX Original creditor XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: OneMain Finance Corporation
State: AZ
Product: Credit reporting 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 noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Instant Loans, Inc
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
Follow up to COMPLAINT ID : XXXX My situation started after I reached out to XXXX XXXX who is a mortgage loan broker with Assurloans. He asked for all my required documents after my application was submitted. He received all the required documents within 24 hours of his request. The cash out number was over XXXX on the first loan estimate. XXXX waited a week before he locked the rate. He is supposed to do it within 3 days once the application is submitted & the supporting documents are received. XXXX then said I didn't get my documents in on time which I knew was not true. It was a lie on XXXX 's part. Everything seemed odd on the revised loan estimate. I got around XXXX on the new loan estimate. I wondered where the discrepancy came from. I didn't know until i spoke to the supervisor ( XXXX XXXX ) who confirmed that XXXX waited a week to lock the rate after he received everything that was required for my file. Rates fluctuated upward and it ended up costing me a couple XXXX dollars. Assurloans increased their origination fee on the 2nd loan estimate, I was charged points & the initial lender credit was reduced. My cash out refinance loan wasn't as good as it was initially advertised. I spoke to XXXX, he gave me a XXXX bucks total which did not make me whole. I didn't want to miss out on the rate so I took the deal. I had other lenders who would have given me a better deal if the true rate & fees were advertised. I feel like it was pure deception on XXXX 's part. I tried to get XXXX to make things right. He was honest with me. He told me XXXX waiting to lock the rate costed me XXXX  & that his management does not care. XXXX violated multiple laws in relation to the statute 's & guidelines set under the Real Estate Settlement & Procedures Act & the Truth in Lending Act. The loan estimate must be sent within 3 business days. XXXX waited over a week. He did not sent out all of the required disclosures. Assurloans then increased their origination charge & charged points after the initial disclosure. This company should be fined & penalized to the fullest extent of the law. The employee has now been terminated by the company. I have text message confirmation from the owner of the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Resurgent Capital Services L.P.
State: CA
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:
VICTIM OF IDENTITY THEFT. ACCOUNT HAD NO LATE PAYMENTS AND WAS PAID IN FULL BUT DUE TO XXXX XXXX BREACH AND OTHER BREACHS I AM A VICTIM OF IDENTITY THEFT.ANY INQUIRIES MADE WERE UNAUTHORIZED. I DEMAND THE INQUIRIES TO BE DELETED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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: Problem with personal statement of dispute

Complaint:
Hi my name is XXXX XXXX I was searching to buy a home and I came across Bank of America I was connected with a loan officer by the name of XXXX XXXX XXXX. XXXX was giving me information that I need to gather together for the bank to approve me for a loan once I got approved for the loan I started shopping for homes i got a home inspection pay for appraisal and also lost out on mortgage agreement twice because of XXXX XXXX 's lack of professionalism and responding on time and XXXX was not handing paperwork in on time emails reaching out to my realtor also not reaching out to the underwriter and the person of the property therefore I lost out on {$2000.00} Mr.Handy may take 4 day 's to even a week to respond back to all party 's involved in this process XXXX XXXX would also tell myself my realtor the underwriter and the person associated with the property that he does not do work after XXXX but XXXX XXXX was sent emails about XXXX in the evening stating documents that he needed and what those documents were presented to him he was still take days to even respond back i truly believe that I was discriminated against this is why I have lost out on a home that I've tried to invest money into.

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 2023-01-23
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: Information belongs to someone else

Complaint:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX FCRA Violation : hard enquiry not mine 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 2023-08-02
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About 6 months ago i received a copy of my credit report and i noticed a account thats listed on my report that i ever applied for never used and never revived any benefit from. I disputed this account and they refused to remove them. This account are results of identity fraud. Credence Resource XXXX XXXX XXXX XXXX XXXX XXXXXXXX, credencer.com.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 writing to express my deep frustration and disappointment regarding the charged-off accounts that continue to appear on my credit report. I have previously disputed these accounts on multiple occasions, providing detailed explanations of the Fair Credit Reporting Act ( FCRA ) violations that have been committed against me. I have now taken the extra step of highlighting these violations with supporting exhibits and attached documents in this complaint. Despite my efforts to rectify this situation, these charged-off accounts persist on my credit report, causing severe damage to my financial standing. I strongly urge you to thoroughly investigate this matter, rectify the FCRA violations, and ensure that my credit report accurately reflects my financial history. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt is on my credit report as a collection. My lawyers have communicated with the creditor. They have tried different debt collectors and have been from my credit report. The debt collector is Credence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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