BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: Rozlin Financial Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the last three months Ive been receiving harassing phone calls from this collection company about an account which I have never had. The company proceeds to tell me that there was an account leased through XXXX and they could not even tell me what type of merchandise it was. Im own a very large corporation  here in XXXX XXXX South Carolina and I have never leased any merchandise from XXXX much less even shopped from XXXX my entire life. I am actually an A+ member of the XXXX XXXX XXXX  with our XXXX XXXX company match XXXX  managers. I asked the company to please send me proof of this purchase along with a picture of my ID and a signature and they were not able to do so. They mailed me an amortization table of some payments which I have never seen nor never signed up for and my entire life. They also had me in an address in which Ive never lived that in my entire life.I have a very high credit score and I own over 15 personal properties here in XXXX XXXX and I would never ever go into a XXXX and lease any type of items. My concern is that the company can not provide me with identification nor a signature which says I purchased at least anything from any company Which makes me believe some identity theft is in play here.. I want this item removed off all my credit reports, this item is not mine it is never been mine and they can not provide any proof whatsoever that Ive ever obtained an account by this company. This is my first step in beginning a litigation process with them. I can see they have many many complaints against them and harassing phone calls and emails which Ive had the same thing. Ive told them that this account is not mine and to please prove to me that it is and they are unable to do so but yet they report to my credit bureaus. I will be contacting the federal trade commission along with contacting my attorney XXXX XXXX esq. if they do not remove this off of my report. I will go after them for any type of harassment and also defamation of Character.I Purchased many properties but yet this item pulls up on all three of my reports it is the only negative item Ive ever had to get me ever. The fact that its not my account is very devastating to me and very Concerning. Theres no proof, theres no signature theres nothing this company can provide me to prove this account is mine. This company should not be allowed to do this I have no idea how they got my information and yet they look can not even give me my Social Security number when I ask him for it please check into this and have them remove this in anyway they can because Im trying to buy the {$750000.00} commercial building And this false account is reporting to my credit report. This is unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have received some large deposits of $ XXXX that disappeared or were withdrawn 2 mind after deposit that I did not withdraw or spend. 

A lot of fraudulent charges. Missing funds. 

Account underwritten. Allowing ppl into my account without even having the correct password. 

Implicating my P.O.A. of withdrawing $ XXXX around like 6-12months after the money was stolen while back dating the entries on the account that never happened nor should exist to account for missing funds. 

Not allowing me info from prev accounts that were open then closed for fraud due to Wells Fargo claiming that the accounts never existed. 

More then 1 card open at a time but lying stating there is only 1 open. All the while I can see like 3 cards open ending In different numbers online. 

Hacking my online account. Refusing to allow me to dispute transactions and credits to fraudulent transactions. 
Drive through teller attempting to steal {$200.00} and other tellers stealing money constantly.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-06-09
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additiona l required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).   The lender as of  XXXX / XXXX /  XXXX   has stated the file is deemed complete and has been submitted for review with the underwriting team - The lender is in violation of Dual Tracking laws since that are refusing to postpone/hold the sale set for  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 2020-03-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Yesterday I decided to get a copy of my free credit report and i went to the website referred to my by XXXX at www.equifax.com. I went to the website that i thought was secure and after i put in ALL my personal information such as address and social security number the website crashed numerous times. Then when i finally got back in it said my request could not be processed and that i need to call this number. XXXX XXXX XXXX. " We can't complete your request at this time. please call the customer care team. customer care is available between XXXX and XXXX  ET 7 days a week. 

so i called and i got the run around by the automated menu and the robot could not interpret anything i was saying or texting. for example it said please press 1 for yes and 2 for no and it didn't receive any of my digit responses. Finally, after about 10 minutes of total frustration i started pressing every button i possibly could and got some worker in XXXX who after about 13 seconds of me speaking, hung up on me and sent me to the 2 question survey which also could not detect my digit responses!! 

I feel completely violated and taken advantage of. I'm in limbo, still don't have a report and now these people have all this power to make or break mt credit rating and i'm supposed to feel secure that this company has the ability to destroy my credit at the drop of a hat. Who manages these companies and why are they allowed to have such terrible customer service? i'm not even sure i was speaking to the actual Equifax. How does a company with this power have a website that crashes and then sends you to never never land?? I emailed the company and got a autobot response telling me " the following link may address your concern..blah blah blah how-can-i-get-a-free-equifax-credit-report '' .. wow ya thing i didn't already try that?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions 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:
In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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 2017-06-09
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:
I file a written and verbal dispute with both   XXXX   and Equifax several times throughout a year to investigate, update or remove from credit report regarding inaccurat e " Tax Lien '' repo rted on my credit report.     Both credit agency   XXXX   and Equifax has stated they have completed an investigation and reported the G A State Tax Lien is reported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate inf ormation on the both reports.     The dates the report was filed on :  XXXX   XXXX ,  2017  to Equifax file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to  XXXX  file #  XXXX  - GA Departmen t of Revenue Tax Lien File :  #  XXXX  {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX  has failed provide validation of this debt i allegdly owe they have failed to provide me any info after numerous attempts all  XXXX  credit bureaus have not investgated and or removed from my reports

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.

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 2020-03-02
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: Old information reappears or never goes away

Complaint:
XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening an account on you guys website and it have been brought to my attention through email that I did not qualify for whatever reason.

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 2020-03-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX is trying to collect on an old debt that should have been closed one year ago. Business records provided to XXXX by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for a balance of {$2600.00}. It is now XX/XX/XXXX, exactly 7.5 years into the future. This debt has had no activity but is violating the law by reporting negatively.

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 2017-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On  XXXX   XXXX ,    2017  I received another letter from  XXXX   XXXX   XXXX   XXXX  after I had explicitly expressed to them and the original creditor that this debt was a result of identity theft. I have provided  Chase an d   XXXX   XXXX   with all the necessary documentation including a Police Report, FTC Identity Theft Affidavit, CFPB Complaints, FTC Complaints, Identity Verification Document  s i.e. State ID & Social. After receiving all the necessary documentation from me to block this fraudulent account from my credit profile per 605B of the FCRA they had removed it from my credit report.
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All though they had removed it from my credit report they continued to harass me via mail for what is now almost one year. They have recently began to call my phone again twice a day every day for the last month trying to collect on a debt that is deemed fraudulent. This willful negligence is   now causing damage to my person and there bombardment of calls is now effecting my quality of life. I will be seeking legal remedy granted to me by Fair Credit Reporting Act and The Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and the original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the debt to Calvary Portfolios LLC who re-aged the debt to look as if I recently purchsed the vehicle On XX/XX/XXXX which is inaccurate and falsified. This account was removed off of my account on 2 separate occasions and the company continues to place it on my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: Nelnet, Inc.
State: CO
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
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 had a forbearance agreement with my former mortgage company, Specialized Loan Servicing , LLC, for the months of XXXX, XXXX and XXXX of 2020 with an expiration date of XX/XX/2020. The loan was paid off on XX/XX/2020 and therefore it was not a late payment. Yet, Specialized Loan Servicing, LLC informed XXXX  that the payment was late when they know that it was not. This has adversely affect mine and my wife 's credit because of their error.

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 2022-01-04
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company saying there trying to collect a debt for aurora health care that I don't have, I'm on a monthly payment plan with XXXX and not in areares.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I returned all XXXX equipment in 2015 as the attached receipt shows. The collection agency Stellar Recovery has never validated the debt or attempted to contact me about this erroneous collection. This company is highly disreputable since they are knowingly using false collections and information to hurt ordinary Americans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
First of a ll I filed a complaint against chase Bank for the  XXXX  family trust I am the trustee of the estate the first complaint was not resolved yet case number  XXXX  Chase bank said that they will contact me that was a week ago.Also I had request the history of the accounts with  XXXX   XXXX  name on accounts so that I can account for all assests both  XXXX  and  XXXX   XXXX  the  XXXX  are both deceased I would like all history statements from  XXXX   XXXX  to close out the estate.they refused to release history statements because my name is not on the accounts but in fact as trustee the accounts belong to me and the  XXXX   family trust

Company response to consumer: Closed with explanation