BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
REPORTING NEGATIVE ON MY CREDIT REPORT MEAN WHILE I WAS NOT MADE AWARE OF THIS CHARGE AND HOW IT CAN AFFECT MY CREDIT AND MYSELF IM AWARE SECTION 609 REQUIRES YOU TO HAVE PROOF OF OWNERSHIP, DID NOT SEND ME ANY DOCUMENTATION BEARING MY SIGNATURE FOR THIS ALLEGED DEBT OR ACCOUNT INACCURATE DATE OPENED XXXX  STATES DATE OPENED XX/XX/XXXX XXXX  AND XXXX  STATES DATE OPENED XX/XX/XXXX INACCURATE LAST REPORTED DATE XXXX  & XXXX  STATE XX/XX/XXXX WHILE XXXX  STATES LAST REPORTED XX/XX/XXXX INACCURATE DATE LAST ACTIVE ON ALL 3 CREDIT BUREAUS XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX THIS ACCOUNT IS INACCURATE AND IT IS NOT UNDER FCRA COMPLIANCE

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I am a Victim of Identity Theft. I recently received my credit report and learned that my personal information was used to open up an account at a XXXX this false information is damaging my credit report. I did not open or authorize this account and I therefore request that XXXX absolve me of all charges on the account and you take all appropriate steps to remove this information from my credit files.

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 2023-03-03
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX removed collection remark from my credit report. Equifax. I filed a claim with the consumer financial protection bureau about another issue. XXXX XXXX has changed the remarks back to collection and the address that they are reporting from is a Virginia address. It used to report as XXXX Maryland but since I launched an investigation they have since switched the address on my credit report to a Virginia address. It is unlawful to get a loan in another state where you do not reside. As there are laws in that state that protect their people and the laws are different per state. They know they are wrong for doing this and I want them to change it back to XXXX, Maryland where they were originally reporting from. I did not get a Virginia loan. Branch that I paid my payments to what's located on XXXX XXXX XXXX and when I called I always go to a representative at that branch and if there was an issue they would transfer me to XXXX Maryland. I believe they changed the address so that they could change the remarks again and avoid detection. What they are doing is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at XXXX XXXX they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me And now the law has changed They cant put any days on your credit thats less than {$500.00} they recently reported on my credit and up the balance Please resolve this I rather spend {$470.00} on a lawyer than them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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: Information belongs to someone else

Complaint:
Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are officially disputing the amount that you claim is owed. We vehemently declare that your claim is totally inaccurate. 

As stated on the enclosed letters, we were provided with three servicers within the short period of nine months, clearly contributing to the miscalculation and error of figures on your part. We strongly suggest that you review our account records with all three of our recent servicers. 

After completion of your thorough review of our loan account since XX/XX/2006, please send us verifiable proof of the loan amount owed, as well as our signed copy of Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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  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 an 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 information, other then records of convictions of crimes which antedates the report by more then 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 2022-12-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a credit card with XXXX XXXX XXXX  They always report to the credit bureaus on the XXXX of every month. on XX/XX/XXXX Experian showed that I had an increase in credit usage of 63 %, this is correct and true, and on XX/XX/2011 points were deducted from my report. This is when I had a problem, less than two weeks later Experian takes it upon themselves to check my usage again with XXXX XXXX XXXX my credit card reports only once a month, so I know they did not report again. On XX/XX/XXXX Experian drops my report XXXX more points stating I'm now at 93 % usage, again first premier did not report this! I received my statement for the month of XXXX, paid off the total amount of {$270.00}. The next month my total was {$0.00}, and Experian increased the report by XXXX points. they deducted a total of XXXX points for high usage then when I paid the full amount, they only returned XXXX points! I reached out to them by phone and by email. the email they never bothered to respond to and when I called, they had no valid explanation for why they did what they did. I believe it is retaliation for filing an FTC Report against them previously

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 2019-10-02
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not  been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I was contacted 4 times on XX/XX/XXXX by different members of One Main Financial Services regarding my Secured Vehicle Loan. I spoke with the first 3 members and tried to work out a payment schedule where all 3 of them told me they were " Unable '' to make promise to pay my full balance on XX/XX/XXXX. They continuously badgered me to make at least a small payment towards the loan and I informed them I was unable too due to just getting over the XXXX and was out of work this month. On the XXXX call I received from XXXXXXXX XXXX, he again, continuously badgered me to make a payment before the end of XXXX because they were unable to schedule a payment in XXXX for the Full amount that would be due. After getting of the phone with XXXX, I logged into my account online through the One Main Website and scheduled the payment there. I feel they are harassing me as I tried to work with them to set up a payment and they denied my efforts. But yet, I was able to perform the scheduling online through my account. I am literally 1 payment behind. My " Current '' payment is not even due till XX/XX/2023, which counts as 2 payments. On the XXXX, ( Which it has not hit ) I will have 3 payments due, but that payment will not be due technically until XX/XX/XXXX. So, with only being technically 2 payments behind, I feel they are harassing me by having 4 different people calling me trying to get any sort of money out of me even after being told EVERY time that have absolutely no money to spend until I get paid on the XXXX of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, XXXX, and Transunion on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all 3 on XX/XX/XXXX and just checked my reports, not one thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was to be covered by XXXX, I was covered by XXXX, if it did not get covered by XXXX then it was to be covered by 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 2022-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint #, and I'm including it again. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint may have to be handled by the Federal gov. This is about holds made on out of country purchases and especially the amount of time held to clear money being held. I made purchase out of country and someone took out the full amount plus charge for doing purchase then XXXX hours larer took out the actual amount and now gets to keep the first withdrawl for 10 days without paying interest and most important locks up that first withdrawl so I can not use funds for 10 days. If I had {$1000.00} in my account and bought something for {$500.00} and this practice takes out {$500.00} plus their fee to hold then when they do take out the original purchase there would only be {$490.00} in account. If a check can be cleared in XXXX hours so should debit cards. This happened with US BANK but it sounds like other banks do the same.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
ON XX/XX/2020, I SENT A LETTER TO XXXX AND TRANSUNION DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.

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 2020-03-11
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I call Specialized Loan Servicing ( SLS ) to tell them of my intent to paydown the principle. The agent advised me to make the normal monthly payment of {$1400.00}. Review the account online and make a seperate payment to my principal, the agent walked me through the process of making a payment to principal. 

On XX/XX/XXXX, I made the payment to principal in the amount of {$7400.00}. This payment was not a payoff but it was a direct payment to principal, with the intent to bring the principle down to XXXX, I would still have an Escrow payments and fees. 

I reviewed my account on XX/XX/XXXX, and found that my payment was not applied to the principle. I called and spoke to another agent who reviewed the account and told me that my principal payment was applied to fees first then principal. I advised the agent that the previous agent I spoke with on the XXXX did not advise me of this and when I made the principal payment using their online system, I was not advised of this. In fact to make a seperate payment to fees was a different option and I did not use that option. 

The agent submitted my complain/request, to have the funds applied to principle and requested that I call back sometime next week for the resolution. 

1. As a consumer protection agency I feel you need to review the process and controls put in place by SLS. Their process in how they apply a principal payment is not transparent. First, their agents did not provide complete information when they had my account information. Second, their online payment systems did not provide correct information and mislead the consumer to believe that a principal payment would be applied to principle. 

2. SLS has an open separate complaint with regard to the fees assessed by a different bank. It seems like the left hand doesn't know the right hand has an open pending CFPB complaint against the fees. The agent on today 's call advised me the fees were legitimate, how could she know? The fees were assessed by a different company and the CFPB complaint hasn't been resolved? 

3. Complaint management : I made a complaint to the agent about how I was mislead and how I was not previously advised how my principal payment would be applied. The agent advised me that I would not receive anything in writing and I would need to call back. In my opinion, any UDAAP complaint should be responded to in writing.

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 2020-10-22
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:
There are currently numerous collections and inquiries listed on my report that I have no knowledge of. I did not initiate to open these accounts or inquiries, whereas they are a result of fraud or malpractice.

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 2023-06-16
Company: EQUIFAX, INC.
State: MN
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 following accounts currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report are not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX balance : {$330.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , balance : {$330.00}. I never applied for or received any credit card from XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX

Company response to consumer: Closed with explanation