BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Bread Financial 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: Account information incorrect

Complaint:
XXXX has not reported to XXXX and XXXX since XX/XX/2022 and XXXX on XX/XX/2022. I contacted the company this morning and spoke to the representative XXXX XXXX XXXX who stated they had a glitch in XXXX and turned off the reporting for all of their customers. As I explained to her, I could understand 30 days to fix a glitch but not four months on non reporting. She stated she was submitting the request so they can in turn report again. If I had not called and asked after reviewing my reports this would have been ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-02-21
Company: Experian Information Solutions Inc.
State: FL
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 There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-02-04
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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: Problem with personal statement of dispute

Complaint:
Let it be know to all that XXXX XXXX XXXX have purr perjured themselves again! A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law - Heres another example on record again today. They claimed that dispute number XXXX is a duplicate of XXXX lol- it is not even remotely they same dispute and certainly not a duplicate! They are out of control!

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 2023-02-22
Company: United Revenue Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United revenue corporation acct. # XXXX balance XXXX. This companie has illegally obtained this debt 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent correspondence to company that the debt was paid and not owed they sent a letter stating that they would respond and haven't.

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 2021-06-24
Company: EAST WEST BANK
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
EAST WEST BANK held my reminding balance and said need to verify the legitimacy of the transaction with three of my original payers. 
But until now, only one of my payers from XXXX got the contact from EAST WEST bank and had replied as requested already. The rest two, one in XXXX, one in XXXX, never got any contact from XXXX XXXX. I contact XXXX  BANK to follow up. But they never reply and never provide a clear date range that when they will finish the so-called 'verification '. Now seems like far away and not within the foreseeable future. It's super unfair.

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 2022-11-01
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
According to my consumer profile this alleged debt with credit acceptance account number XXXX originated XX/XX/XXXX. I am XXXX XXXX military, and began XXXX XXXX service on XX/XX/XXXX due to the SCRA I the consumer am entitled to a 6 % interest rate reduction, and no late fees. I have spoken to a representative to make credit acceptance aware of this fact in XXXXXXXX XXXX XXXXXXXX, and I have yet to have this matter corrected on the account in reference.

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 2023-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used the ATM at Wells Fargo XXXX XXXX XXXX XXXX XXXX CA on XX/XX/23 at XXXX and was dispensed {$1000.00} in $ XXXX that were too old to be used on a foreign trip I'm going on. The ATM card was from another bank without a branch in XXXX XXXX. I went into the bank and asked the teller if they could exchange them for bills in better shape. The teller said they would do that if I were a customer, but I declined to open an account. I pointed out that I had just paid a {$3.00} ATM fee and received bills I couldn't use. The teller said that she could get fired if she gave service to someone who was not a regular bank customer and that the ATM is not something the bank is responsible for. The ATM is managed by someone else so it wasn't the bank 's fault that there were old bills being dispensed.

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 2021-06-24
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There was unauthorized access to my PNC bank account and a unauthorized transfer of money was made totalling XXXX USD the transfer was made via XXXX, and it was done without my knowledge, and without my permission. My PNC has told me that it's against XXXX 's policy for them to do anything about it. After calling XXXX and explaining to them the situation and what happened exactly their representatives told me that it isn't against their policy for my bank to get the money back. They informed me that unauthorized fraud XXXX can be reversed but my bank PNC has to do it since the unauthorized payment was done through them via XXXX but not directly through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: MI
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:
Claim : XXXX. No statements received between XX/XX/2021 and XX/XX/2021 XXXX. Believed was paying pursuant to my card agreement XXXX. No access to online statements because card was canceled XXXX. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX XXXX. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX XXXX. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX XXXX. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : XXXX. No effectuation of notice via periodic billing statements between dates identifeid in claim XXXX. 

XXXX. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB 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 2022-07-27
Company: EQUIFAX, INC.
State: PA
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:
So, I asked Equifax to look into some unauthorized inquiries on my credit report. They are lines of credit that i did not apply for. I asked them to please look into this and verify and send me some type of explanation. They send me a template letter back saying that " Inquiries are factual record of file access and will remain on my credit report for 2 years ''. 
I want them removed because they are UNAUTHORIZED, and I gave NO PERMISSION to have these pulled. 

I want the following UNAUTHORIZED and UNVERIFIED inquiries removed from my Equifax report! 

XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX I please ask that the CFPB makes this company do their job and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-04-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On my statement dated XX/XX/23 : Due date and amount due is : XX/XX/23 in the amount of {$270.00} ( {$270.00} principle and {$.00} interest ). The amount due is the last amount due on my mortgage, aside from {$1400.00} that I deferred during Covid-19. I made my mortgage payment online ( which is the payment process I submit all my payments ) on XX/XX/23. I tried to submit a payment in the amount of {$270.00}, however, when I tried to make a payment, I received a prompt that stated " Amount must be between {$270.00} and {$270.00} ''. So, I went to " other payment option '' and made a payment in the amount of {$270.00} ( which was the only amount I could submit ). After a couple days after submitting the payment, I noticed the payment was deducted from my checking account and the payment went to " unapplied credit '' on my mortgage account. On, XX/XX/23, I chatted with an online representative and they stated they would send in a ticket to have my payment sent from " unapplied credit '' to my mortgage payment. They said to wait for 4 days for the payment to apply. I waited XXXX days and the payment was still under " unapplied credit ''. I then called the mortgage telephone number several times and talked to a representative on ( I believe the dates were ; XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 ). ALL OF THESE representatives gave me the same runaround as the representative I chatted with .... '' my payment would be applied to my mortgage payment ''. I also called my local fifth third branch on XX/XX/23 and they stated I needed to go to the branch to make my payment and have it applied. I went to the local branch and they said they could not help me make the payment. They chatted with someone online and that person told me to call the mortgage telephone number. Which I did call and the date is shown above. Also, on XX/XX/23, the representative told me to give them my checking account number so I could make a {$1.00} payment since the amount I paid was almost {$1.00} short. That payment was taken out of my checking account and sent to " unapplied credit '' on my fifth third mortgage account. On XX/XX/23, Fifth Third charged me a late payment fee in the amount of {$13.00}. On XX/XX/23, I requested to speak with a supervisor but the representative told me this was not possible at that moment and I will have to wait for a supervisor to contact me within 72 hours. I believe I have been patient enough and I need this situation handled ASAP. I have wasted hours of my time and have received several mail correspondences as well as emails regarding my late payment. I made the payment on XX/XX/23. XXXX payment is not late!! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage medical and dental insurance and I have never ever had a XXXX! but also this is a recurring fraud on XXXX this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 I spoke to a Collection specialist about my account. I made them aware that as a result of covid I lost my business and had no income. The only way they could help me was by setting up a payment plan with a minimum of XXXX per month. This would protect me from late fees, interest charges and a negative credit score impact. This company has not followed thru. They continue to falsely report my account with no payment since XXXX. This is hurting my credit score more than having a collection on file. XXXX refuses to help me clear this up and is taking my payments without acting on what was promised. I have contacted apple 13 times with no success. This company is taking my money but still claiming I have not made a payment.They took my money today and still ; threatened me an hour later

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EMCC Holdings, LLC
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:
In XXXX of XXXX, I made my first attempt by calling Equiant Financial Services. I spoke with a representative who initially told me that they do not have an account on file with the information that I gave to them. So then, I went further to inform the representative that I will be recording the call and then to confirm that that the there was a fraudulent erroneous account being reported on my credit report. The representative then place me hold several times until he came back to say, he found an account with my information along with someone else 's. I informed him that any account in my name that I was not aware of should be closed immediately. He refused to close the account. He stated that because it was joint he could not do anything. He then said that I should mail in proof if I chose to dispute the account. I placed a security alert on my Credit Reports since XXXX for 2 years and renewed it again this year. I tried mailing Equiant Financial Services a dispute letter to dispute the account and amount owed displaying on my credit report. The address that is showing on my report is invalid and non-existent. The letter was returned by the Post Office stating it is an invalid address and the back appeared to be opened and resealed. The address showing from my credit report for Equiant Financial Services is different from what XXXX is showing their address to be. Inaccurate information. My second attempt I wrote CFPB in XXXX XXXX and they wrote me back to submit my complaint online. I have since have no way of contacting this company by mail. This is against FCRA regulations. Any inaccurate and fraudulent accounts being reported on my credit report and that have been reported within 30 days and there has been no proof that this account belongs to me, the account should have been closed and removed from my report. Please follow-up for me and inform me of your findings.

Company response to consumer: Closed with explanation