BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 have accounts that arent properly verified. The credit reporting agencies, the three major agencies arent properly investigating the accounts. These accounts remain unverified. The agencies keep responding telling me that they have verified the accounts but refuse to provide the method of verification. 

My different accounts are affected by a breach at the CFPB and should be removed from my different credit bureaus records. 

My privacy and my credit worthiness has bee compromised and this is a direct violation of Code 1681i Promptly update my files

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed XXXX bank accounts with Citizens Bank RBS. After I closed the accounts, deposits were made electronically into those accounts without my knowledge keeping the accounts open. Citizens Bank never sent me a statement of any kind for years while they drained the accounts with maintenance fees. Once XXXX the accounts went negative on maintenance fees, they finally sent me a letter indicating I needed to pay the negative balance. I 've spent a lot of time talking to a lot of people to resolve this, but Citizens hides behind its electronic statement agreement that the statements were posted to their site and I should have accessed them. However part of that service includes email alerts when the statements posted, and those were turned off during the closing process of the account, so I never got any indication for years that these accounts existed any longer. Citizens refunded 10 % of the fees they extracted and refuse to help any further. I do n't understand how a bank can have my money to make money with while at the same time charging me maintenance fees for years and never sending me a statement of any kind for regulatory purposes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The manager at the XXXX location is horrible. I waited 30 min for a card pin charge. Then I had to wait 30 min for a cashier check. I was then charged {$15.00} for the check. I can't believe so many unprofessional and sketchy bank employees are working at this branch. I was asked to share my personal protection on a staff member personal electric device.

So you charged me {$25.00} twice got a cashier check. Then you asked me to share information that never supposed to be shared with you sketchy staff

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 2020-02-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted three certified letters to each credit bureau from XXXX XXXX XXXX XXXX, signed by XXXX XXXX, Chief Audit Executive, to correct the credit reports, which was advised by the NCUA to correct. Upon reviewing my credit history, the credit reporting agencies have failed to correct. Payments were being made and not applied and they wrongfully charged off the account, admitted to the error and stated that the ya want everything to each credit bureau to update, correct and/or delete the mistakes. This pertains to the personal loan and the line of credit only. Everything is outlined in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
Since agreeing and taking an auto lease with BMW there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the BMW Financial Services Contact Center in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to BMW along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, 3 attempts in XXXX and 4 attempts in XXXX - when finally BMW decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however BMW took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted BMW and there seems to be no sense of urgency to resolve this very urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely Experian, XXXX  and XXXX. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 there on XX/XX/2023 I was a victim of fraud on my personal banking and info I did all the measures required after the fact including contacting my credit bureaus to stick Fraud Alerts on my reports incase someone tried to pull my credit! 

So today XX/XX/XXXX I get an alert stating there was an inquiry on my XXXX XXXX via trans union for some XXXX financials! I IMMEDIATELY called the bureaus to deal with this matter - XXXX was not connected to it so I called transunion! I went through 6 different customer service reps who didnt take this seriously at all!!! The one actually laughed! 

They all told me it is what it is and I could go online fill out paper work and thats it! 

SO WHY DO WE HAVE CUSTOMER SERVICE AND WHY ISNT FRAUD TAKEN SERIOUSLY! So what now I wait months on feedback when someones is having fun trying to get loans, is this a XXXX XXXX  This is my personal Info someone has taken its extremely violating and TRANS UNION needs to deal with it in an URGENCY not fill out form will take a look at it when we can LIKE XXXX this should be taken care of immediately!! Ive never been so disgusted by customer service reps in my life! This isnt a joke or a laughing matter! Its my INFO AND someone is applying for thing nailing my credit and score!

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 2021-11-09
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Nelnet, Inc.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dept of Ed is still showing that I owe {$36000.00} in student loans and responded to the last complaint saying I still owe, DESPITE me providing documentation showing PAID IN FULL. This student loan has been paid for for quite sometime. I WILL NOT pay a second time for something I DO NOT OWE. On top of that, I became XXXX 3 years ago after a XXXX XXXX XXXX that STILL requires further XXXX  and has left me unable XXXX  XXXX, do my daily activities, left me with EXTREME nerve damage, and I am in the middle of a malpractice claim for. The LAST thing I need is for someone to report FALSE information to my credit, since I may need my credit for my XXXX. 

I do not know how many times I have to complain until SOMEONE takes it seriously and stops reporting " verified ''. 

I am providing two documents from XXXX showing the student loans were paid in full, as well as photographs of my leg injury that I am dealing with. 

I have paid my debt in full and now am faced with a lifetime of XXXX and have to continue to fight for what is right against companies that simply buy and sell false information. 

Again, this debt is paid. I WILL NOT PAY AGAIN, even if I could. It is sad that companies like this can continue to destroy the lives of the innocent, especially those who are a disabled. I hope people are proud of themselves for picking on the weak. Nothing but a bunch of bullies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2021-05-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the death of my mother-in-law and tenant-in-common on the subject property, I have attempted to assert my rights as survivor-in-interest with the mortgage servicer ( XXXX, XXXX XXXX and now Rushmore Loan Management Services ). I have provided a copy of the Grant Deed granting me a 50 % interest ( in XXXX ), a copy of her death certificate ( XXXX ), and proof that the subject property has been my principal residence ( since XXXX ). Additionally, I have made every single payment to all three loan servicers since XXXX. 

Successors in interest to property secured by mortgage loans covered by the Real Estate Settlement Procedures Act ( RESPA ) and the Truth In Lending Act ( TILA ) are guaranteed certain rights as part of the Consumer Financial Protection Bureaus XXXX Mortgage Servicing Rule amendments to RESPA and TILA. A successor in interest is a borrower for purposes of RESPAs mortgage servicing rules and 12 C.F.R. 1024.17 and a consumer for TILAs mortgage servicing rules. 12 C.F.R 1024.30 ( d ) and 1026.2 ( 11 ). Successors in interest are entitled to the same rights as the original borrower. 

Rushmore is refusing to accept payments from me ( or the 2nd TD  holder ) even though under the California Civil Code, 2nd TD holders have the right to bring the first current which was current until Rushmore returned the XX/XX/XXXX payment. 

Rushmore 's actions are being taken with the expressed intent of forcing the property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Affirm Holdings, Inc
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid off my Affirm account in XX/XX/2022. As of today, XX/XX/XXXX - Affirm has not updated the balance on the three credit bureaus ; I have opened eleven disputes regarding the balance of my account. No one is reading the account status - to the letter! 

The majority of the customer service representatives have language barriers- unacceptable. The department that handles the credit reporting need additional training.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX Dear TransUnion, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The inquiries/ owed are hard pull inquiry for the following items : Inquires : XXXX XXXX XXXX XXXX XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and i am requesting that it be removed immediately. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

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.

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 explanation
Consumer complaint received 2021-02-11
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Helvey asking for any documents that have with my legal signature stated that this is my debt and the about I owe them. They sent me back a typed up letter they made stated that I owe them monies I have no knowledge of owing. I did not sign or agree to any services with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally 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 explanation
Consumer complaint received 2020-11-16
Company: Bread Financial Holdings, 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:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

Company response to consumer: Closed with explanation