BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I mailed a correspondence to XXXX XXXX XXXX due to the fact that XXXX XXXX XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX XXXX XXXX on XX/XX/XXXX per USPS tracking number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX XXXX XXXX XXXX per the return receipt received by me ( XXXX XXXX ). The reason for this correspondence was to have XXXXXXXX XXXX XXXXXXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXXXXXX XXXX XXXX for a response ; it is well past 30 days with no response from XXXX XXXX XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX XXXX XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as  of XX/XX/XXXX well after receiving my correspondence, so XXXX XXXX XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX XXXX XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.

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 2017-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Bank of America account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2020-08-19
Company: Allied International Credit Corp., (US)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received in the mail. XX/XX/2020 a letter from XXXX XXXX XXXX XXXX, of XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, claiming I owed {$55.00} and referencing XXXX as the creditor, Total fraud, I don't owe XXXX anything. I called XXXX XXXX AT XXXX at XXXX XXXX  XX/XX/2020 and asked what this was about. She is well trained to spout off a lot of bogus account numbers, code words, and tried to get my personal info, very clever. You should shut these crooks down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to get Enhanced Recovery to send me over proof of this debt and they have yet to do so. I have tried to despite this with XXXX also and they keep saying the debt has been verified but want provide me with the proof Im asking for if its been verified by Enhance Recovery. Its looking like they cant prove this debt and thats again all my right. I have been trying to get this debt settled since 2020 with both Enhanced Recovery and XXXX this is looking like fraud since neither one of them companies want to provide proof of this debt they claim I owe to Enhance Recovery. They letters I send off to Enhance Recovery regarding this debt they want even respond at all and thats again the law. I understand they have a 30 day investigation to do and send proof of what they claim I owe on the debt they have on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN INFORMATION SOLUTIONS LLC has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.

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 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I previously submitted a complaint on XX/XX/XXXX. The check I received from Bank of America in XX/XX/XXXX could not be cashed because the numbers in the upper right hand corner was missing four numbers. The resolution Specialist did reach out to me to resolve the issue. Unfortunately we never connected. I am providing the emails I have sent her, unfortunately she never respond to me. As I indicated previously if this was me holding the banks money, I would be charged, therefore I am requesting interest on my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-29
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have placed an advance for my product camera which cost of XXXX XXXX XXXX and one of the customer from USA asked for the and she as send the address to which I need to send and once the product reached I will get my money like that she as informed me ... but now she is not responding and that bank people also not responding and they are asking extra money for transfer of amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed on XX/XX/2022 by TD bank, on XX/XX/XXXX my brother mistakenly sent money to the account by XXXX, I called them to take the money out but they said they have to close the account first, I told them I need my money, all my efforts is prove abortive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX - I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several weeks ago saw that my fico score dropped 99 points. Got XXXX  report. It showed I owed {$2200.00}. for medical debt. Creditor was. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX. XXXX XXXX XXXX Called them found that the debt was my sons for an ambulance run in XX/XX/XXXX. Called XXXX XXXX XXXX. They told me that they reported to Simons my sons name ( he is a XXXX ) address and DOB. No SS number as they did not have it. Turns out that they had his DOB off by one day which happened to be my day and month date. Simons then added my SS number to the information and reported to XXXX  that I owed the money. My address is not my sons address. Called numerous times to Simons ( 11 ) got transferred and disconnected three different times. Was told early on by XXXX that she would call billing company and call me back. No call. Spoke to XXXX next day. Explained situation to him. He put me on hold to check things, was then disconnected. Called back at once got his voice mail. Left message, no response. Sent email to XXXX XXXX ( supervisor? ) explaining again the situation. No response. Called XXXX XXXX on XX/XX/XXXX. She told me my credit was fixed and would email me confirmation. Nothing. Emailed her again. Nothing. Want them to acknowledge their mistake and give me written confirmation that my credit is fixed and that this was never my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Started buying home XXXX ended up with subprime loan. My wife and I are seniors XXXX and XXXX XXXX XXXX an I am a XXXX XXXX with XXXX working for the government. We started having problems in XXXX and filed for a modification with Ocwen, nothing became of it. We filed bankrupt in XXXX and filed for another modification in XXXX and was led to believe that we had a modification until XXXX of this year XXXX XXXX ) and was told that we did not have a modification. We were told by XXXX XXXX XXXX in XXXX XXXX that they can and will refinance our home. They took {$550.00} for appraisal and the end of XXXX XXXX they told us they could not refinance. We contact XXXX in XXXX XXXX which we thought was this office and they took {$2500.00} of our money.We would call and could not get to talk with anyone. We are trying all we can to keep our home and continue to be taken through the ringer. We are at the point and do n't know where to turn to. We hope and pray that you can lead us in the right direction. If more information is needed, please contact us

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EXPERIAN was advised via Certified mail return receipt and signed for the evidence and proof to remove a derogatory from my credit report and to unfreeze my Credit! and bsigned for this information and paper work XXXXXXXX XXXX2019.. According to their information on the web this only takes 3 days to do this.. I havr tried several times to contact them by phone to no avail on every call them tell you to mail in the information which I have already done!! I have also tried to contact them via computer they continue to report the same as they do on the phone. they are screwing up my credit with my CREDITORS and make my life a living XXXX! If you dont do some about this situation I will hire a private attorney to sue them and the electric company along with the COLLECTION AGENCY that put the false information inmy CREDIT FILE!!! Thank you for your attention to this matter I will sincerely appreciate any thing you can do to resolve this depolable situation!

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 2022-05-03
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-10-20
Company: BARCLAYS BANK DELAWARE
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:
OnXX/XX/XXXX I mailed a correspondence to BARCLAYS BANK DELAWARE due to the fact that BARCLAYS BANK DELAWARE was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by BARCLAYS BANK DELAWARE on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of BARCLAYS BANK DELAWARE XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have BARCLAYS BANK DEALWARE cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to BARCLAYS BANK DELAWARE for a response ; it is well past 30 days with no response from BARCLAYS BANK DELAWARE. I have attached a copy of this correspondence in this complaint to ensure that it is on record that BARCLAYS BANK DELAWARE did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as of XX/XX/XXXXwell after receiving my correspondence, so BARCLAYS BANK DELAWARE apparently has decided to ignore my correspondence but continue to report false information on my credit file. If BARCLAYS BANK DELAWARE continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.

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 2021-07-22
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Oklahoma Student Loan Authority
State: TX
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:
In XXXX of XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XXXX of XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, TX to XXXX Georgia in XXXX, XXXX. I have NEVER attended ANY schools in Oklahoma period. 

XXXX XXXX, XXXX, My Mom received a notice from XXXX Oklahoma Student Authority, XXXX Central XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.

Company response to consumer: Closed with explanation