BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
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 status incorrect

Complaint:
as with ID # XXXX, no litigation involved.Experian is reporting accounts the creditor has reported update, experian have XXXX XXXX XXXX  reported to c.f.p.b. on respond on complaint # XXXX, for credit bureaus to update accounts experian is reporting account # ending in XXXX bank/XXXX  which is a federal for given debt, under account # ending in XXXX with a bal OF $ XXXX updated XX/XX/XXXX. account ending in XXXX, last up date XX/XX/XXXX, which is also a federal forgiven debt -- -- sent by certified mail, XXXX 1099-c forms two reports from experian, one dispute form, one complaint respond from creditor.

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.

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 2019-12-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called and written 17 Communications from XXXX to XXXX Walmart found out it was fraud they closed the account, two months later they open the account with a bigger credit limit. I found out they closed the account. but left this debt on my report. The Walmart does not care about me. I shared with them I been traveling to 3rd world countries XXXX  work. the rep was understanding I was transferred to security they closed the account not once but 2 times. on two different years. 

I been living out of the country for over 6 years, and to my surprise as I have return home I see this walmart debt again .Its been removed 2 times from XXXX that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.

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 2019-12-29
Company: EQUIFAX, INC.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage account was reached with XXXX and was updated by modifying the mortgage loan. For this reason, arrears that appeared in previous years can be eliminated. If so desired, the " allonge '' agreements can be sent to update the mortgage. Attached documentation of the XXXX mortgage. In the credit factor I understand that it can be reported as up to date and not with 28 late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery Associate, reported 4 fraudulent accounts to all major credit bureaus without a 30 day notice by mail, also reported a fake address that don't exist. The original account holder ( XXXX XXXX ) have sent me letters stating that those accounts don't belong me. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Pressure to enroll to XXXX XXXX by calling several times and being charge for full cost of the course when i only attended a couple months. I been making my payments on time and it seems that the balance still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other

Complaint:
I receive my new capital one credit card. Call to activate the card Capital One representative said that security number did not match up. I feel this is a system error po I feel this is a system error in Capital One part. At this credit card for years now with certain there 's a problem with the Social Security number I was forced to close my account with Capital One customer service reps and very rude and disrespectful. But I just recently purchased a car bissell capital one bill my credit report. it for them to say that my so security number his name is ludicrousThank you Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Ad Astra Recovery Services 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:
I received notification today that a collection was added to my credit report in the amount of {$520.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted a certified dispute letter to XXXX Credit Bureau, Transunion and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, Transunion on XX/XX/2021, and XXXX on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

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 2019-12-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2017-06-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear, Sir/Madam, I did not know to whom I should address my concerns to so if you would be so kindly as to forward it to the appropriate area I would be greatly appreciated.
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My name is XXXX XXXX XXXX I have had nothing but misery since you have become my mortgage holder. Your paper work has my mortgage start date as XX/XX/XXXX for the amount of XXXX however this mortgage was started in XX/XX/XXXX and original amount is for XXXX please see the attach documents. I am also attaching the copy of the document you sent title wellfargo 1,2,3. Please note the signature on the bottom of those document are not mine or my husband. They seem to be paste and cut.

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 2022-07-25
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX XXXX received {$160.00} and transfered these funds immediately to chase Account number XXXX Routing number XXXX a closed account. Way2go has the {$160.00} cleared not returned. I've reached out to XXXX. XXXX has denied receiving these funds and stated they would send back or push back the funds to VA XXXX aka way2go. Till date the {$160.00} has not returned back to way2go account and chase continues to deny receipt even after reaching their claims department. Missing {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CORELOGIC INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give my express consent orally or written neither did I authorize these inquires to be furnished on my consumer reports pursuant to federal law from the following corporations : 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 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 FTC Report Number : XXXX for identity theft

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.

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 2020-11-23
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The mortgage servicing department ( HELOC specifically ) of Pentagon Federal Credit Union ( " PenFed '' ) has not processed payments correctly, rendering my account unusable for 3 months now. While this has been an aggravating problem, it is now negatively impacting me financially ( i.e. having to use higher cost credit card availability ). 

I have been told that PenFed went through a system conversion back in XXXX and they are " having difficulty clearing some of these transactions ''. Three months is entirely too long to fix a servicing problem that they created. In addition, their employees are obviously not trained on escalation procedures or regulatory complaints as several times I requested escalation to prevent having to go to a regulatory complaint option, to no avail.

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 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-05-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I set up a payment plan with Nissan Motor Corporation back in 2017 after they repossessed my vehicle, after a payment was made on my account. I contacted Consumer Affairs and Licensing, through XXXX XXXX XXXX. I worked with a young lady by the name of XXXX XXXX. On XX/XX/2017, the Mayors Office of Consumers Affairs and Licensing, received a letter from a XXXX XXXX XXXX, Senior Counsel, on behalf of Nissan Motor Acceptance Corp. stating in order to recover the vehicle I would have to pay  {$2700.00}, which I did on XX/XX/2017. I never received the vehicle back in my possession. I ended up filing a small claims judgement against Nissan Motor Acceptance Corp., in XXXX District Court. I was then contacted by an attorney they hired out of XXXX Ma. from The XXXX XXXX XXXX by the name of XXXX XXXX XXXX. We entered in to a stipulation of dismissal on XXXX XXXX and a confidential general release settlement and indemnification agreement which was to release the vehicle back into my possession and to take all negative items off my credit report. None of this was done. They took my money and kept the vehicle and they committed fraud against me. I have bad credit as a result of this transaction. I need help getting these negative items off my report as they have five of them on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CMRE financial services XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference number XXXX Account number XXXX To whom it may concern : I am disputing the above referenced alleged debt. I sent a registered letter through the United States post office on XX/XX/2022 and the letter was received at CMRE financial services on XX/XX/2022. I demand that you verify this alleged debt which you have not done and I requested this over 30 days ago yet you continue to harass me by calling my house which I demand that you stop calling my house. I am a XXXX recipient and have a XXXX policy therefore I only receive care that is covered by XXXX and/or my secondary insurance. 
You have failed to validate this alleged debt therefore you need to stop calling and mailing me request for payment. Your only recourse is to resubmit your billing to XXXX if you feel theres an error on the part of XXXX or the provider - you need to re-bill XXXX! 
As of this date you have not acknowledged my dispute letter over this alleged debt you shall not report anything to a credit reporting agency if you have you need to contact them and delete it from my credit report. Reporting information that you know to be erroneous or not accurate or failing to report information correctly violates the fair credit reporting act. You must Mail me a detailed verification of this alleged debt immediately within 10 days. This is your notification you shall not contact me about this alleged erroneous debt by phone and I am well aware of the fair debt collection practices act, 15 USC section 1692C, requires you to honor this request. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Late fees not waived Rowdy behavior by Bank of America collections agency Football between departments XXXX agents talking like parrots with standard legal terrorism statements Non availability for in person meeting by any Bank of America employee in person Modern corporate terrorism Prompts voice response systems closed XXXX Giving trouble to consumer through one sided policies Charges for retrieving 7 years bank statements Other similar bank are providing free

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 2019-12-29
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation