BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
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 status incorrect

Complaint:
XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX, Equifax XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: FirstPoint Collection Resources
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:
Firstpoint Collection Resources Inc. ( Firstpoint ) is in violation of the FDCPA. XX/XX/2021 an FDCPA demand letter was sent to Firstpoint and received, as evidenced by my credit report status for this account being updated to " Consumer Disputes This Account Information. '' Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. Firstpoint ignored the letter and failed to respond within 30 days. As a result, legally Firstpoint must cease collection efforts, remove negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However, Firstpoint has reported to XXXX, as recent as XX/XX/2021, their information is accurate. Again, please be advised I did not request a " verification of debt '', but a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My husband and I filled out an online inquiry for a pre-approval for a home loan on the website of XXXX in the morning of XX/XX/2022. Right after, we received a phone call from one of their lenders XXXX XXXX- a Sr. Loan Consultant. We described our situation to him and that we were looking for a pre-approval for a home loan. He assured us that he was licensed, so we agreed to ran both of our credit scores during this phone call, because he said that was necessary. He then sent us a list of items that we additional had to provide such as pay stubs, W2 forms, bank statements, drivers licenses, etc. He said if we provided these information until XXXX the same day, we would receive our pre-approval letter the same day in the evening. So we collected all the information necessary and uploaded everything through a link that he provided us in an e-mail ( see attachment ). 
Unfortunately, he did not provide us with a pre-approval on that day. Nor on the following days. We sent another follow-up e-mail to him on XX/XX/XXXX to see if he had an update regarding the pre-approval ( see attachment ). We did not receive an answer. 
On XX/XX/XXXX my husband received a phone call from XXXX XXXX XXXX. He had called us by mistake believing that we were different people. During that phone call my husband made it clear to XXXX XXXX XXXX who we actually were and that we were still waiting on our pre-approval letter and that he ran our credit and collected our personal information letting us believe we would be able to start our home buying process soon. We made very clear that we were rather upset with how our information were used with no outcome so far. XXXX XXXX XXXX assured us then that he would send us our pre-approval latest the day after. 
It is now XX/XX/2022 and we still have NOT received any further communication from XXXX XXXX or anyone else from XXXX XXXX XXXX. The company did therefore collect all of our personal and financial information, ran our credits without ever fulfilling their part of the agreement which was to provide us with a pre-approval.

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 2021-08-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am having issues with Experian. They are reporting that I was late on my target account which is 100 % wrong. I have never been late the other two bureaus are showing no late payments. I understand that they are all different but when all three are reporting the same account they all should be reporting correctly .I want this late remove my from my reports.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  blocked me from my credit report and no one is as to verify my identity no matter where i go. my bank account is now frozen because of what they have done because they couldn't utilize the current verification process. i have a family to take care of and provided them the information that they needed on more than one occassion and they have completely ignored it by blocking my credit file. this is unheard of! 

I have already provided them my identifying information and they put it on my profile them blocked it

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 2023-12-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As mentioned, this company makes it really really hard to get your account number to make a payment and also just make a payment. I called for them first payment for over a year now multiple times to get my account number so I could log in. they always had an attitude that they sent it in the mail, but I don't have it. finally, I was told were to get my account number 2 months ago. But without the account number they make it next to impossible to pay. they harass you with restricted calls and non-restricted calls all day, but no one is often on the line when you pick up to even take a payment that just call continuously to harass you. I have 12 calls from them today. Never spoke to a person. They need to make their system more payment friendly and hire really phone reps to call and speak to you and take a payment. They people that take the payment say they can not give you your account number because they do not have access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Experian and XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX 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 Experian and XXXX are 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 XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}

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 2023-12-02
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit reporting 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:
I received a credit alert on XX/XX/23 from XXXX XXXX stating that someone opened a credit card under my name. This was done without my knowledge and consent. I called FNBO and informed them of this so they put a freeze on my account. They recommended that I notify the Credit Bureau in which I did.

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 2022-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Lender acquired insurances at a much higher costs than the original insurance amount I previously paid with them, without consulting me. The estimated amount exceeded what I agree to pay. The lender has included an extra amount into escrow amount without consulting me, which is causing a drastic increase in my Mortgage payments from {$2100.00} to XXXX. Making my payments {$320.00} in difference from the original agreements and by doing this they are deliberately creating a Billing default or wrongfully declaring a default in order to generate fees and penalties or to acquire the property. Guild Mortgage is wrongful failing to honor a loan agreement. The Lender ( Guild Mortgage ) claimed that the increase in the insurance amount was the main cause in the increase of my escrow. Guild Mortgage stated that the new payment amount would take effect beginning XX/XX/2022, and prior to that date I have acquired my own Property insurance and have paid it in full. I have provided that information to Guild on XX/XX/2022, and yet they refuse bring my mortgage payment back into the original payment amount of {$2100.00}. Claiming that they must re analyze the payment amount but yet they consist on making me pay {$2500.00} payment for XX/XX/XXXX, XXXX which I have offset by paying my insurance in full.

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 2022-04-17
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Experian In reviewing my credit report from Experian, I found unauthorized Addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following addresses are unauthorized. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX GA XXXX 3. XXXX XXXX XXXX XXXX XXXX AL XXXX 4. XXXX XXXX XXXX XXXX XXXX AL XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

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 2023-12-01
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Weber and olcese. They have claimed to put a lien on my house in multiple counties which makes no sense. I got a writ of garnishment and I get these court forms that are not legally filed with the clerk which means they are not valid judgements AT ALL months after theyve filed them and there are magically never any hearings to attend either. 

Talk about harrassment from a debt collector who LITERALLY IS AN ATTORNEY. Thats not supposed to be legal. 

Maybe they should go after my ex who fraudulently used my card and also committed IS theft against me multiple times. It would be a better way to spend their energy instead of harassing a XXXX  parent whos absolutely XXXX  and feeling stalked by illegal court documents that are never ever properly filed! Perhaps they can talk to my exes attorney because they apparently both improperly served documents regarding my income in the same courts by randomly just dropping stuff off as if thats a valid process in a court house. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
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:
These accounts they've reported on my consumer profile were incorrect and I demand for the elimination of these items as soon as possible. 

XXXX XXXX XXXX Account # : XXXX >>> XXXX  XXXX Account # : XXXX >>> XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent out a validation letter XX/XX/22 I havent got a response. I asked debt to removed deleted off credit reports if didnt provide a contract with me the company within 30 days its been over 30 days no response from company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I am sending you a letter regarding the inaccurate and misleading information that I have found on my credit report. These inaccuracies that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has been reasonable to believe that this information is inaccurate 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

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 2021-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two CitiCards. An Awards ( ... XXXX ) card and a CitiAdvantage Card ( ... XXXX ) Sometime in early 2020, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( CitiAdvantage ) were being applied to my XXXX card. I discovered this error and contacted Citi, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. Citi moved the credit to XXXX on XX/XX/2020, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/2021, however upon notifying Citi, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from Citi ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with Citi again, XXXX - XXXX PST on XX/XX/2021 and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates Citi 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if Citi releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/2020. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except Citi. 

Best Regards ... ... ..

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