BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
My Name is XXXX XXXX, XXXX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

Discover Credit  card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: OR
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:
Both XXXX  and Experian are not providing a credit report on XXXX Experian 's response is : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX XXXX. '' XXXX  's response is : " Internet Delivery Unavailable - Mail-in Request We're sorry, for your protection we are unable to deliver an XXXX  Free Annual Credit Report over the Internet. 
Request by Mail To request your Free XXXX Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' Both companies make it extremely cumbersome to get a credit report, which is against what FCRA is all about. 

Please help

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 2022-10-25
Company: Greco Financial Services Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity

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 2017-08-13
Company: EQUIFAX, INC.
State: AR
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:
The following inquiries were disputed several times to equifax and they will not remove them. XXXX XXXX, XX/XX/XXXX ... I applied for my account with them in XXXX. No requests were made in XXXX XXXX, XX/XX/XXXX ... no idea what company this is XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... I applied for a job with them, not for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Currencies Direct Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I missing stocks an bonds some reason my personal information have overseas accounts in my name

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 2022-09-30
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
People 's United Bank transitioned to M & T Bank XX/XX/22. M & T sent me information about continuing to use XXXX and how I was to go about this. I went through all the steps many, many times without being able to connect the bank to XXXX. I have spent literally hours on the phone with M & T trying to resolve this. Last week I spoke again with M & T and " XXXX '' said she would work it out and call me in a few days. It has now been almost 2 weeks and I have heard nothing from M & T. At this moment, I have been waiting on the phone for 1 hour and 25 minutes to speak to someone in online banking. This is really completely unreasonable. 
I had no choice about my bank being changed or my services curtailed and I feel completely helpless in trying to resolve their problem when I can not even speak to someone after 1.5 hours of waiting.

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 2018-11-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Opened a credit card account with Wells Fargo in XX/XX/XXXX AWSOME bank by the way ended up closing the account in XX/XX/XXXX and payed off in full after closing. Pulled my credit because now I do XXXX XXXX and I see its reporting still and also has a late payment which is stoping me from getting loans with my company because of the late payment and it still reporting after being paid in full.

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 2018-11-30
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I received an alert from XXXX XXXX saying that a collection was added to my report. When I looked on my report I saw National Recovery Agency. I never received a notice to dispute the debt, which I am suppose to receive one.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have owned my condo for ten years now and faithfully paid expenses related to my home such as mortgage, property taxes, Homeowners Assoc Fees, and homeowners insurance policy. Last year, XX/XX/2017, my mortgage had a balloon payment become due and Lender stopped accepting my payments. I did not qualify for a refinance through an outside Lender source and found myself caught in between a rock and a hard place. Meanwhile, I had some medical expenses and fell deeper in financial hardship. 
Ultimately, I have been denied mortgage assistance until I consulted with a Foreclosure Prevention Advocate. The advocate and I contacted my Lender and I was advised that mortgage assistance is a possibility. However, there seems to be a question of whether the Lender has 37 days prior to the sale date to process my request. 

We are told it is up to the XXXX XXXX XXXX ( a XXXX XXXX Trust ) whether or not to postpone the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Early on the morning of XXXX I received an email alert from XXXX  indicating a " credit alert ''. When I checked, I was told that a company called Commonwealth Financial - XXXX XXXX XXXX XXXX XXXX, PA XXXX Had placed a " seriously delinquent '' credit report on my file for {$390.00} effective XX/XX/XXXX. I have not borrowed money in several years and have no idea what this is for. Furthermore, I have had no communication from this company about this alleged debt. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Effective XXXX XXXX, 2017, Equifax and other CRA 's adopted new policies that developed enhanced public record data standards for the collection and timely updating of civil judgments and tax liens. The new credit reporting law applies to new and existing public record data on respective credit reporting databases, and will require a minimum of consumer personal identifying information : Name, Address, and SSN and/or Date of Birth.
I have sent previous letters to Equifax requesting the removal of inaccurate information from my credit file, and they have failed to do so. They continue to report the disputed item regarding the public record, specifically an incorrect tax lien. Their egregious conduct is unacceptable and must be addressed. Again, I am requesting that the negative item be removed from my credit report immediately.
Please resolve this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. I have been a victim of ID theft for about a year now. I have tried to do the right thing by reporting my information stolen, etc. yet the credit companies continue to report a few of the items involved in the ID theft as correct or accurate. Pls assist me in having them correct it. 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 2022-09-30
Company: WELLS FARGO & COMPANY
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A popup came up on the computer stating : Warning!! Your computer has been hacked, they can hear all of your conversations on your cell phone, your account has been hacked into for {$18000.00} you are being charged with XXXX  XXXX XXXX, contact this number to resolve the incident. 
I called the number on the screen but didn't make record of it. The representative, XXXX XXXX, with XXXX Fraud Badge ID # XXXX XXXX ran a scan on my computer and said I was involved in a scheme and needed to talk to a fraud representative from XXXX XXXX  and transferred me to her. Her name is XXXX and her number is XXXX. She told me she's going to initiate a method to clear my name find and arrest the culprit that instigated the hacking of the computer and the account. That I needed to wire {$18000.00} for them to track and find the hackers. I was told to keep this secret in order to clear my name and not to tell anyone, especially at the bank. 
I went to my local XXXX XXXX  branch and wired the {$18000.00} to the account they gave me described in the original complaint. They claimed they would use the funds to track the criminals and then deposit the funds back into my account when completed, supposed to be Tuesday evening the XXXX. 
XXXX called again today trying to get more time, which leads us to believe they don't have the funds yet. We contacted XXXX XXXX  Fraud department and the Wells Fargo Branch the wire went to this morning. I went to the XXXX Police department and filed a police report. Case XXXX XXXX  XXXX I contacted XXXX XXXX at the Wells Fargo Branch in XXXX, CA. XXXX XXXX XXXX, the fake Fraud XXXX XXXX  XXXX also gave us another bank account to use : XXXX XXXX  Acct # XXXX Routing # XXXX But no funds were wired to that account. The account holder is also XXXX XXXX XXXX XXXX XXXX. 

Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/2022 Was the money sent? 
Yes Victim Bank Name : XXXX XXXX  Victim Bank Address : XXXX XXXX XXXX XXXX XXXX Bank Address ( continued ) : Victim Bank XXXX Stop : Victim Bank City : XXXX Victim Bank XXXX XXXX United States of America XXXX Bank XXXX XXXX Kansas Victim Bank XXXX XXXX : XXXX Victim Name on Account : XXXX XXXX XXXX XXXX XXXX Bank Name : Wells Fargo Recipient Bank XXXX XXXX XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America Recipient Bank XXXX XXXX California Recipient Bank XXXX XXXX : XXXX Recipient Name on Account : XXXX XXXX XXXX, XXXX. 
Recipient Bank XXXX XXXX : XXXX Recipient Account Number : 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 2022-12-26
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have not found a XXXX XXXX for Credit Acceptance nor XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requires the licensing and regulation of finance lenders and brokers making and brokering consumer and commercial loans, except as specified ; prohibits misrepresentations, fraudulent and deceptive acts in connection with making and brokering of loans ; and provides administrative, civil ( injunction and ancillary relief ) and criminal remedies for violations of the law. 

Only active license Credit Acceptance have is out of state non in California state as required by law.

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 2018-11-30
Company: NCC Business Services, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account sent to collections in the amount of {$490.00} that was paid off in XX/XX/2016. I was advised by my lender to call the number provided NCC Business Services, he told me they should be able to remove this from my credit record and if they do not comply then I should file this complaint. I called the telephone number provided XXXX. They told me they couldn't do that, that " it's not what they do. '' It was shown to me that having that remark removed from my record would raise my credit score significantly. It has been a major inconvenience for me as my family is trying to purchase a house. I would really appreciate this issue being resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-10-24
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding : Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX Aldous & Associates is posting a fraudulent account to my XXXX Credit report under different account numbers. On XX/XX/XXXX, XXXX validated the account as fraudulent and removed the Aldous Associates Collection Acct. for {$170.00}. 
Unfortunately, Aldous & Associates resubmitted the debt again for collection to XXXX under a new account number. I contacted Aldous & Associates in writing with the written documentation from XXXX confirming the account as fraudulent and removed it from my credit report. Each time it's removed Aldous & Associates reports the same fraudulent account to XXXX under a new account number. 

I was told by XXXX XXXX XXXX Aldous Associates that I need to have Aldous Associates dispute the collection account, which is not true. They are deliberately being uncooperative and XXXX. I was hung up on and my experience dealing with this company is hideous. 

I joined XXXX XXXX in XXXX XXXX. A few days later following an emergency room visit, I learned that I needed to have emergency XXXX and could not participate as an active gym member due to my health. I went to XXXX XXXX and informed them of my health matter. I was told to contact XXXX 's XXXX office. Based on my medical documentation, I called XXXX 's Corporate office and was told that the contract could be XXXX.I also paid any outstanding costs. I have the medical records, if necessary. The truth is that XXXX XXXX sold XXXX XXXX a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Nelnet, 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: Information belongs to someone else

Complaint:
Dear XXXX XXXX XXXX/Neltnet I recently viewed my credit report and noticed errors on my credit report. I 've contacted you notifying you about some fraudulent student loan accounts open without my authorization, consent. I 've sent you certified mail letters, a police report, documents verifying that it was all fraud but you fail to send me any documents bearing my signature and it 's been past 120 days and going on 6 months. You 've contacted the credit bureau notifying them that these accounts belong to me. I 've called several times speaking to customer service reps and making them aware of this situation but I have n't received any fraud packets in the mail. I was lied to and given the run around. It is ridiculous. I 'm accused of these accounts and I 've never been a member of any colleges or signed any student loan documents. I am a victim of identity theft, and have been a victim for some time and several times throughout my life and it 's not a great feeling. I refuse to be accountable for someone 's wrong doing and this will be my final letter before any legal actions are taken against you and the credit bureaus for posting false information on my credit file. No ongoing reporting from month to month shall be posted on my credit because these are fraudulent accounts I am not aware of these accounts. I will have my lawyer investigate any documents, if for any reasons I suspect that a signature was forged by someone impersonating to be me, I will be seeking a lawsuit against any institutions, credit bureaus, and XXXX XXXX XXXX/Nelnet as well. I am now giving 5-10 days total. I am not sending any documents I 've sent in the past because I 'm spending my hard earned money sending over certified documents and if your company did n't correct these issues before then it 's not my fault. I repeat for the final time these accounts are n't mine. I have been an identity theft victim several times in the past and impersonated. How much more would I have to prove my innocence to you? I have discriminated against by your company as a criminal because you continue to contact the credit bureaus verbally verifying accounts that does n't belong to me. If that is n't discrimination then what is it? I am disheartened that your company continued to verify month to month for several years that this account was mine and it was n't.

Company response to consumer: Closed with explanation