BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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,, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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.

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 2023-02-28
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX in XXXX ga coded XXXX XXXX incorrectly. 
XXXX Charge turned over to collections is {$150.00} This was a no charge XXXX XXXX that she coded wrong. This is preventative procedure for XXXX. 
XX/XX/ order date. She used order diag as XXXX. 
I have repeatedly called so many times to her to correct. She finally corrected it but I dont know how it needs to be submitted to credit unions to remove it. She informed me that the code was changed. I have filed disputes to all 3 Credit agencies. 

XXXX has deleted from my account but the other two have not. 

This has reduced my credit score and I can not get it corrected. 

I can send the report if you let me know how Drs phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX and XXXX  XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

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 2023-12-14
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a Care Credit card for several years and made several large purchases on the card. I paid it off, on time, every time. I never missed a payment once. The problem arose when I stopped using the account that my autopay was scheduled to come out of. I used the app, and it had no way of changing the autopay account. I decided to just set a reminder in my phone and pay the bill manually from a different account every month. I never missed a payment ever. Then I started seeing an extra charge on my account, and I called to ask what it was. They were charging me for non payment of my bill, regardless of the fact that I had paid my bill on time, without fail every month!! Then they closed my account for missing too many payments!! I have not yet checked, but I assume that they have likely reported this to the credit bureaus as well. This is completely unfair and undeserving.

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 2023-03-07
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received an Escrow Statement from my mortgage servicer, Dovenmuehle, about an escrow refund due on our loan with them. The statement was a one page document with an image of the refund check in the amount of {$610.00}. On XX/XX/XXXX, another Escrow Statement was generated, this being my most recent Escrow Analysis. The Analysis said that the escrow refund would either be included in that statement, which it was not- we received the paper copy of the Escrow Analysis weeks ago, or it would be mailed to me within 30 days. 

More than 30 days have passed and I still have not received the escrow refund check. We have since moved and have a mail forward in place. I have also changed the mailing address on our mortgage account with Dovenmuehle. I use Informed Delivery with USPS so I can see mail that is coming and there has been no mailing from Dovenmuehle other than the Escrow Analysis statement. Clearly, our refund check was generated back in XXXX because the document has the check number on it. I called their customer service line on XX/XX/XXXX and was told to " just wait longer. '' Dovenmuehle debited our escrow account on XX/XX/XXXX for the amount of the refund like we have already cashed the check. Where is my money? Why has our escrow refund not been mailed to us yet?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Security Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I happened to check my credit report and I noticed that there is a debt on my credit report that I am not aware of. The debt collector is Security Credit Services. I have never received any letter from them or any telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: NY
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:
Equifax and XXXX has not corrected the information that they have allowed to be reported on my credit report. Instead of being in complying with the credit reporting laws 15USC 1681 these two companys took it upon themselves to contact the creditor and update an item that t asked them to remove from my credit report. The company that reported on my credit report did not have permission to report on my credit report and failed to supply any documents to show that I agreed to them reporting on my credit report. I asked Equifax and XXXX to removed the items and to date the items are still being reported on my credit report. And the two companies just took it upon themselves to contact the company and update the information. These two companies have No permission or authorization to report any information from this company on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Experian credit file.

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 2022-04-09
Company: EQUIFAX, 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 in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In response to your answer dated XX/XX/XXXX. You stated that USAA utilized Title 31 of the Code of Federal Regulations part 212 to determine how to handle my account. An the removal of funds from my account on XX/XX/XXXX. Ok so a few items that have brought questions after further review of that law. I have asked several times for a copy of the notice to garnish federal funds deposited that you state you were served, an have yet to receive it. There was also no mention of the letter dated XX/XX/XXXX from the Florida Department of Revenue releasing the funds in the garnishment order dated XX/XX/XXXX. Also when was the look back period into my account? According to the CFR title 31 212. It was supposed to happen within 2 days after receiving the order to garnish if it included a notice to garnish federal funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Equifax are incorrectly showing that I have a late payment for XXXX XXXX XXXX Account # XXXX. on XX/XX/2023. While XXXX is correctly showing that I have never had a late payment for the same account- XXXX XXXXXXXX XXXX XXXX XXXX. 
Secondly, XXXX and Equifax are reporting that I was 30 days late on this account on XX/XX/2023, this is an obvious error as my payment dates are due on the XXXX of every month, thus I could not be late prior to the due date. Notwithstanding, the second contention, my primary contention is that I can not be late and current for the same account on the same date. It is my contention that this inaccurate reporting between the credit reporting agencies violates the maximum accuracy reporting standard set forth in the Fair Credit Reporting Act. I have written several letters of dispute, and requesting verification on the disputed account, some letter written more than 45 days, ands of this day, I have received no response, or an update to my credit report that this account was even in dispute. It is my request that the XXXX XXXX XXXX Account # XXXX be updated to current status showing that this account was never late as is the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Kikoff Inc.
State: PA
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:
Credit bureaus will not update my personal information and wont remove late payments showing on consumer report. Was asked to remove all inaccurate name variations and inaccurate addresses, phone numbers and employment information from my consumer report. The bureau continues to report inaccurate payment history and personal information on my report, Causing me to be denied extensions of lines of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recieved an alert about a credit inquiry for SYNCB/Dicks Sporting Goods XXXX I did not authorize this inquiry nor have i called or stepped foot in this location to begin an inquiry. Alerted on XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I sent a complaint asking XXXX, Transunion, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, Transunion, and XXXX have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.

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 2022-04-09
Company: EQUIFAX, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Radius Global Solutions LLC
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:
This is the second time this debt has gone on my credit report and the third time disputing it with experience. They have removed it once but it was recently put back on. It is not on my other reports. XXXX will not open dispute again and is asking for proof. I can not prove that it isnt mine since I do not even know what it is?

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 2023-02-14
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Without notice or reason Discover closed my secured credit card. Card # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. {$200.00} security deposit not returned. Did not have a balance when account closed. I have asked about the return of the deposit and told that they do not know when it will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent written notification to Portfolio Recovery Associates LLC requesting documentation of any contractual relationship between myself, & Portfolio Recovery Associates LLC. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Portfolio Recovery Associates LLC, {$1400.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. The response from Portfolio Recovery Associates LLC was an XXXX computer generated response that did not lawfully respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: M/I Homes, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have not yet received anything on how to pay my first mortgage payment. We closed on XX/XX/23 and we have received nothing in the mail from M/I Financial. The first payment will be due at the end of the month. I can find nothing online on how to create and account and pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 I was notified of a debt for {$12000.00} as it was flagged as not being paid by XXXX. I use XXXX to monitor my accounts etc. 
the company name in question was Affirm. I had never heard of that company before. I called after finding the website of Affirm. They told me I did not have an account with them and could not provide me with any information. I am still trying to request documentation from Affirm. I have never received a bill, account number, balance or any communication of any variety from Affirm.

Company response to consumer: Closed with explanation