BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: Retail Merchants Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed previously disputed with this company regarding the 2 collections they have for me. The company was unable to validate this debt. They indicated that they would reach out to the original creditor an obtain a copy of the itemized bills. They were informed that an itemized bill is not an acceptable form of validation. Both accounts were removed. The accounts have been placed on my credit reports yet again only this time they changed the account number and the amount. I disputed it with the credit bureaus They sent a letter to me indicating that they would once again attempt to validate with the original creditor however they told the credit bureau that it had been validated which is not true. They told me one thing but told the credit bureau another. To date, they have not provided any documentation to me that shows this debt is validate. They are NOT my accounts. This is the reason that the debts can not be validated. Please remove from all 3 credit bureaus ASAP. Changing the amounts and account numbers to place this back on my credit report is a violation. Account number XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Nelnet, Inc.
State: LA
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 these creditors have violated my rights. Under 15 USC 1681 Section 6 o 2 states I have the right to privacy. 15 USC 1681 Section 6 o 4a Section 2 a consumer reporting agency can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
When Comenity took over my account around XXXX of 2022 all reporting to Credit Bureaus ceased. I called after a few months, and was told that the same system upgrade that was not allowing me to access my account online was the reason my account hadn't been reported to the Credit Bureaus. I mentioned that they had informed account holders that the " upgrade '' would be finished in a couple weeks, and we were months into it. They said they could give me my balance because I still had to pay, but they needed a few more weeks to finish the " upgrade ''. I was finally able to access the account online around XXXX or XXXX, so I called this time to see about getting the account reported to the Credit Bureaus. I was told that there was a backlog due to the " upgrade '', and I would need to wait until 6 months after the last time the account was reported. I waited until XXXX to call again, and was this time told to contact each Credit Bureau to ask them why Comenity was not reporting my account. I pushed back since it was not any of the Credit Bureaus that held my account, so they finally relented and stated that the only thing to do was for me to write a letter and mail it to Comenity to see why they weren't reporting the account. I asked if there was some way to talk to someone by phone, chat, or email, and they stated that there wasn't. I paid off the card and stopped using it, and come XXXX I noticed that the account no longer showed on my credit report. My credit score also plummeted, presumably because it seemed that the account was closed by the issuer and my available credit was reduced. I decided to used the card for one transaction to see if it would finally trigger a submission to the Credit Bureaus. When XXXX came with no change, I sent a message through Commenity 's website. Their response stated that they would resume reporting to Credit Bureaus on XX/XX/2022. I responded that the date mentioned passed 2 months earlier, so they said they would look into the issue, and get back to me in a month. A little over a month later, I received a letter in the mail from Comenity stating that they were reponding to my issue, and found that they have not and will not report my account to any Credit Bureaus. The letter further advised that I should call their customer service number if I had any questions. I immediately called, and was told I'd need to write in to Comenity to have the issue resolved. After some time of pushing back, I finally spoke to a " Supervisor '' who told me that she couldn't believe that no one had filled out the form to get my acccount reported to the Credit Bureaus immediately, but she would do so. It has been a month, and I still don't see the account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Community Cash Management Corp.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This person XXXX calls 3-6 times a day using different NH and Maine phone numbers as well as 800 exchange numbers. The company is Marcam Associates and this is HARASSMENT!!! STOP CALLING 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 2022-08-03
Company: Experian Information Solutions Inc.
State: OH
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 reached out to the credit reporting agency I havent been applying for any credit I have over 40 inquiries I have called the companies and they have done nothing about it XXXX XXXX nm three times XXXX XXXX XXXXXXXX XXXX once they pulled twice XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct Its so many I have not authorized any of these companies to pull my credit

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 2022-10-24
Company: OPORTUN FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Oportun added Late Payment statuses to my credit reports even though my payments are current. I've spoken to them about this before and yet they have done nothing to resolve this issue. It was marked as current on XX/XX/XXXX and then became deliquent 5 days later on the XXXX despite my on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: AL
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 fourth endeavor 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-04-06
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My original loan with The Loan Depot # XXXX was transferred XX/XX/2022. During this time, my payment was mailed to the original loan number and address. While being changed to loan # XXXX, my XX/XX/2022 payment and XX/XX/2022 payments were marked late due to the both being sent to the wrong address ( original loan payment address ). Then in XX/XX/2022, I sold my home and the loan was paid off. It is my understanding that it is illegal for a mortgage company to mark any payments late during a loan transfer period. This is exactly what happened here and i want my credit report corrected. I am a Veteran and this is keeping my from obtaining a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a an improper debt reported to my Credit report. XXXX XXXX XXXX  incorrectly charged me for service day after I scheduled shut off for XX/XX/XXXX. They did not close my account until XX/XX/XXXX. Therefore I was charged {$100.00} incorrectly. I spoke to XXXX XX/XX/XXXX at XXXX at XXXXXXXX XXXX XXXX. She explained to me the error on their part and they credited me {$50.00}. XXXX said they would remove the collection under I.C. Systems from my credit report with a payment of {$52.00}. I submitted that payment immediately in order to clear this matter up and get it removed from my report. She said it will take 4-6 weeks to remove from my credit report. 

This is unacceptable. I took care of the payment immediately because of their improper billing, therefore this collection account under I.C. Systems for the amount of {$100.00} should be removed immediately.

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 2022-08-24
Company: FIRST NATIONAL BANK OF OMAHA
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:
On XX/XX/2022 - FNB OMAHA has placed an Inquiry on my XXXX report that I do not recognize. I did not give this company/creditor consent to pull my credit. Please remove this inquiry ASAP. 

Thank you.

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 2022-12-26
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2022-12-26
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:
This is my 12th endeavor 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 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 2022-08-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I went to the Chase branch located on XXXX XXXX XXXX in XXXX. I deposited {$1100.00} at the XXXX ATM ( there are 2, I used the one on the right. When the transaction was complete, the ATM reported I had deposited {$1000.00}. I checked my surroundings, the floor, the rest on the ATM, and my wallet to confirm I hadnt stashed the {$100.00}. I was unable to locate the money.

I immediately went to the teller who said there was nothing she could do and that I should call XXXX to submit a claim. She provided me the ATMs ID, XXXX 

I initiated the claim when I got home, they deposited {$100.00} in my account while they investigated, and I was told it could take up to 3 months for a resolution. 

On XXXX XXXX I received an email informing me of a letter that has posted to my account. It was an update to my claim stating they found no discrepancies in their investigation, hence theyd be withdrawing {$100.00} from my account after XXXX XXXX.

I called the claims department again to dispute the finds. The advisor who first answered my call stated there was nothing he could do since he had no access to the backend team that actually investigates the claim. He said all I could do was go to the bank and ask the teller for video proof to support my argument. I told him that didnt make sense, why should I have to be inconvenienced again? How wasnt that Chase was unable to obtain that information with me having to go and personally request it from the branch. The advisor became combative and tried to speak over me, then he said he wouldnt be able to assist me if I didnt let him speak. I highlighted that it was him who began speaking while I was still trying to relay my message. Seeing as how there was nothing he could do nor did he seem interested in helping me, I asked to speak to a superior or their customer relations department.

After a short wait, I was connected with his supervisor. She never identified herself, but listened to my retelling of the events and placed me on hold to review the notes in my case. She stated that theyd sent a technician, she didnt specify when, and that they didnt find anything wrong with the machine nor did they find a discrepancy in the funds to support my claim hence theyd not credit me the disputed amount. 

The supervisor said that I should get the receipt or see if the teller could support my claim. I explained that I received an e-receipt but that was for {$1000.00}, not the full deposit of the {$1100.00}, and that a teller had not assisted me so they couldnt speak towards the event. 

I deposited {$1100.00} because I had to make a payment for {$1100.00} to my XXXX XXXX XXXX. I did not walk to the bank, hence it isnt a possibility that I dropped the money. Id been driven to the front of the bank and I counted the money in the car before stepping out. I deposited {$1100.00} but chase is disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: SYNCHRONY FINANCIAL
State: MS
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 was checking my credit report and I have unauthorized credit inquiries on my credit report that needs to be removed from my credit 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

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 2023-01-18
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: Account information incorrect

Complaint:
In XX/XX/2022, my student loans were transferred from XXXX XXXX to XXXX. It is now 6 months later and the XXXX account is still showing as open on my credit report, which is severely impacting my ability to obtain a mortgage because it doubles my debt to income ratio. I have disputed this with Experian, without results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 7 hard inquiries on my credit report that are not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a result of the national emergency or pandemic, I withdrew from XXXX XXXX XXXX on XX/XX/XXXX. Due to the return of title IV funds, I was charged back for the loans I took out for the amount of XXXX and XXXX XXXX is now holding my transcripts until I pay that balance off ( it has now been sent to a collection agency by name of CONSERVE-XXXX  and charged an extra XXXX on top ). Under the Federal Cares act attached below, students who withdraw or withdrew during the national emergency announced by the White House in XXXXXXXX XXXX XXXXXXXX extended until XXXX, are not required to return the title IV funds ( see attachments ) if they withdrew due to as a result of the pandemic yet I was still charged back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that i do not owe, this is retaliation for submitting a small claims lawsuit due to property XXXX trying to take my rental assistance and came up with fake debts that i was never told about, they just show up on my credit repot ~5 months after i move out. I never recieved my deposit not did i get an explanation where it went.

I spoke with the debt collector and when i asked for a debt validation she read a list of items on a word document, no pictures, no reciepts, just an invoice, and this is enough to ruin someones credit and get away with it. I had renters insurance the was mandatory but no claim was ever submitted. This is the way XXXX individuals like me are treated. I am submitting proof of insurance that the landlord needs to submit a claim if these are real debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX- sent a letter XX/XX/2022 - on the phone Ive tried to correct my name with Experian, I was told that my name would be updated to the correct spelling, they did not update my name correctly and also told me they could not update the name because its tied to a credit account. If that is not the correct name why is it being reported, and why cant it be removed. I can show identification, proof/documents of my name. They had my name listed 14 different time incorrectly on my credit profile.

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 2022-10-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/XXXX I deposited a check that I thought was real, XXXX On Thursday, XX/XX/XXXX, I checked my account approximately XXXX, and the check # XXXX for {$14000.00} was posted and clear in my account. Later that afternoon I withdrew {$9000.00} and {$4900.00}. 
Had no issues with the account until Friday night XX/XX/XXXX approximately XXXX, when I checked my balance and saw that the bank had withdrawn the {$14000.00}, leaving me with a negative balance of - {$1900.00}. 
I understand now that it was a scam, not only on myself but also how the bank deposits checks and posts funds. 
I went to the bank Saturday morning and was told it was a courtesy that they post the balance, and that I am responsible for the money from that check, even though it was clear and in my account for almost 2 days.

Company response to consumer: Closed with explanation