BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: Grain Technology, 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:
Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company GRAIN TECHNOLOGY , Inc To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXXXXXX XXXX, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to fraud department email. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Write a check for {$1900.00} on XX/XX/XXXX, called Key Bank to put stop payment on check, fee of {$34.00} was debited out of said account for service. On XX/XX/XXXX, the check was cashed out of my account. 
Key bank is refusing to immediately put the money back in my account after they see that they are in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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:
My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about XXXXt XXXX  XXXX My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-23
Company: ALLY FINANCIAL INC.
State: NY
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:
In accordance with the fair credit Reporting act this creditor, has violated my rights. 
Under 15 USC 1681 Section 602 States I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-26
Company: EQUIFAX, 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: GA
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:
XX/XX/2023 XXXX XXXX  XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. 
XXXX _________________ XX/XX/2023 JPMCB - AUTO FINANCE XX/XX/2023 XXXX XXXX XX/XX/2023 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 _______________ XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Refer to CFPB complaint XXXX for background with my issues with USAA. 

As a result of their admission of fault in the result of cancelling my accounts without merit, I discovered they reported an open credit card account for the month of XXXX. 

Referring to the response from USAA on CFPB complaint XXXX : " XXXX XXXX, XXXX staff facilitated a re-review of the decision to discontinue doing business with you. It was determined that the decision was made in error, and steps were taken to reverse the actions taken and the restrictions were removed. We addressed the identified opportunity with the individual involved, to ensure appropriate handling of similar situations moving forward. We regret any frustration you experienced. '' If you refer to the CFPB complaint, you will note that I was informed ( apparently ) on XX/XX/XXXX by " XXXX '' that my accounts were closed. I learned this in a call with the Office of the CEO on XX/XX/XXXX - check the call recording. This was in the notes of the action made by " XXXX  '' when she went to cancel me. In the attached document, you'll note the credit card was opened in XXXX, after I was cancelled by " XXXX '', yet the result from the CFPB complaint was in XXXX. 

I have never used this account, did not have access to it, did not activate any cards with the account. 

I've tried to dispute this invalid credit card account via the Credit Bureaus, and so far XXXX has reported that USAA has rejected this as " open '' still. At the same time that I closed the checking/savings account, I also asked to close this " ghost '' credit card account. 

I have been rejected for new credit cards from other institutions because of this " ghost '' account showing on my record. 

My credit score has dropped XXXX points as a result of these action ( s ) by USAA and the unjust retribution actions by employee " XXXX  '', with USAA falling in line with those actions until CFPB complaint XXXX was filed and those unjust actions reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date of XX/XX/2020 Midland Credit Management opened a collection. 
Account # XXXX. Amount owed {$620.00} I have never signed any written documents saying that I owe this debt to the collector. They are violating my rights according to the FCRA as a consumer. I do not have written consent from my end. Also, they have not verified that I owe this debt to this alleged company. PLEASE, have this removed from all three credit bureaus. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'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 non-monetary relief
Consumer complaint received 2023-03-14
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX the irs deposited my federal tax refund in local bank and the financial institution kept my return

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'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 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: SIMM Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I returned some CPAP supplies to XXXX XXXX XXXX XXXX back in the fall of XXXX because I no longer needed them. I was told by a company representative in early XXXX that I no longer owed money on these supplies after I was repeatedly sent invoices for the supplies I had already returned. After that I kept getting invoices for the returned supplies despite my contacting company representatives about the amounts ranging from {$25.00} to {$40.00}, alleging that the only items I returned were XXXX nose masks when I actually returned all items in the shipment ( there weren't XXXX nose masks in the shipment ). Despite my protesting the charge for the above-mentioned reasons my account was turned over to debt collection. I wrote the debt collection company and was told I needed to contact the medical supplier in a response to a letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice from XXXX insurance company that our policy is past due ( XXXX ) Contacted mortgage servicer ( Mr Cooper ) to see when payment was sent. ( XXXX ). Automated telephone system says the payment was made to " XXXX XXXX '' on XXXX for {$3200.00} Mr. Cooper needs to rescind payment to " XXXX XXXX '' and send payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, i am writing because i have been trying to correct an era on my XXXX credit report and have written many disputes asking for validation and/or removal of the alleged debt and have received little to no acknowledgement so i decided to reach out to the company XXXX/COMENITY/XXXX who gave the data to the CRA with the little bit of information i have on them which is just a XXXX XXXX XXXX XXXX and no phone number. I asked them for validation of the debt i.e. original signed contracts or something to verify the unknown debt. My letter was received on XX/XX/2022 and signed for by a XXXX XXXX but i have not received a response of any sorts from XXXX, XXXX/COMENITY/XXXX or XXXX XXXX nor was my credit report notated as being in dispute or the items removed. XXXX and XXXX have removed the inaccurate and unverified items but XXXX has yet to even acknowledge the ERROR. I have been trying to resolve this matter for months but i am being ignored and my rights are being violated. My next step is to take legal action to correct the unjust harm being exacted upon me and my well being. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Have a mortgage thru Specialized Loan Servicing. I had a bankruptcy case discharged in XXXX of XXXX. I had noticed this account was not reporting to any of the credit bureaus. I researched information as well as contacted SLS and credit bureaus as well as the bankruptcy attorney to get information relating to and determined that the account should be reported by SLS to all credit agencies. I have had calls to SLS and certified mailings to them as well as electronic dispute requests and certified mail to all XXXX credit bureaus. It was to have been resolved. I now see it only showing on one credit bureau and that info is inaccurate and limited with last updated XX/XX/XXXX. Also shows a late pay in XX/XX/XXXX inaccurate

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-07-20
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 did not authorize this inquiry on my credit report and I would like removed, along with being unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Global Lending Services LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report.

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt.

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required.

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Was not notified of investigation status or results

Complaint:
I recently disputed negative items on my credit report and have not received a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently as of XX/XX/23 applied for a personal loan which turned out to be a scam. My bank account, as well as my account with all of my bills and creditors has been impacted by this matter. I need help navigating my way through this matter and I need to report it as Im running into many issues while addressing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 a loan officer conferenced in an employee from your company regarding my disputed claim about a delinquent account reported to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). That was the first and only contact I have had with your company ; although your employee alleged someone spoke to your company the day prior XX/XX/2023. At this time I respectfully request your company to remove all and any defamatory information from the credit bureaus as it is invalidated and unbeknownst to myself. It was only reported as of XX/XX/2023 with no prior contact therefore I can not be delinquent on any such alleged debt as I have not contracted with Portfolio Recovery Associates and no notice or payment requests have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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