BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Rozlin Financial Group, Inc.
State: NJ
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 been trying to get information from this company for months now to show that this debt is mine and when did I sign for it. Still no response.

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 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck on XX/XX/XXXX, from the same employer that I have been depositing checks every week for over 6 months now. I live paycheck to paycheck and need money as soon as I get my check, I am a XXXX student, work a XXXX job in order to support myself. Bank of America decided to delay my paycheck that I deposited on XX/XX/XXXX till XX/XX/XXXX. When I called, they did not provide a sufficient reason about the check being held and refused to let me speak to the department that handles hold for checks, saying that I have to go through an intermediate manager in order to contact them and I can not speak to them myself. Bank of America has decided to hold my paycheck till next Saturday, when I asked to speak with a manager they recommended that I apply for a credit card or a loan since I do not have any money in my account to buy food, pay rent or get my medicine. They have decided to this in the middle of the covid-19 epidemic, I live in XXXX where almost all offices are closed and getting any necessities like food, medicine is extremely hard which makes matters worse.

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 monetary relief
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company XXXX XXXX XXXX when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show XXXX XXXX XXXX XXXX was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with Transunion and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
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'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 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 checked my credit report and I have accounts on my profile that are hurting my credit profile. I am requesting physical verification of these accounts. I am requesting physical verification of the original signed consumer contract. 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verfiy through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fradulent account. 

I demand that the following accounts be verified or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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:
Problem is credit bureaus have inaccurate information on my credit report such as dob telephone number and address

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 2023-04-24
Company: Experian Information Solutions Inc.
State: AL
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 checked my credit report and I have accounts on my profile that are hurting my credit profile. I am requesting physical verification of these accounts. I am requesting physical verification of the original signed consumer contract. 

According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verfiy through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fradulent account. 

I demand that the following accounts be verified or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This morning I received a call from XXXX XXXX. I spoke with a representative that informed me of a debt from 15 years ago. I laughed at him because I can't believe this is where we are in these times. You're calling to collect a debt from 15 years ago? If they would've checked my file, they'd see that all of my student loans were DISCHARGED back in 2014 because I am a XXXX XXXX Veteran with XXXX XXXX XXXX and XXXX   XXXX. So there's no need to try and collect because I'm not going back to work and the money I get is protected. Secondly, I am currently in bankruptcy. All they had to do is look at my credit report and they'd see that. After laughing at the representative and telling him that this is WAAAAAAAAYY past the statute of limitations, I informed him of my bankruptcy and gave him the file number. 
He told me, " A debt is still a debt. '' I mean, I know he's doing his job. But really??? 

I also have a recording of this call if anyone needs it. All of my calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Healthcare Finance Direct LLC.
State: SC
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:
I received a addendum to retail contract from XXXX XXXX  in which I never saw nor sign stating that I owe a debt. Again never did I give XXXX XXXX, XXXX XXXX XXXX permission to share nor sell my personal information. These company have stolen my identity and made fraudulent contract. XXXX XXXX has made false report to the credit reporting agency, and now they are reporting false and inaccurate information on my report. I had to file identity theft report in which I have attached for the record. I have also attached a copy of the contact that I received from XXXX XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX. 

Historical late payments for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-24
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had my account randomly flagged and terminated by robinhood in late XXXX. After a promise to be able to withdraw my funds in 7-10 days I still have no access to this and have been given the run around through email as well as over the phone. I have a medical and dental emergency to pay for and without being able to withdraw my funds I will be struggling to pay for these things

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Security Credit Services, LLC
State: MD
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:
On XX/XX/2021 I realized I had a negative remark on my credit report made by Security Credit Services , LLC in the amount of {$1500.00} ( see negative_remark.jpg ). On XX/XX/2021, I sent them a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see security_credit_services_letter.pdf ). 
I mailed Security Credit Services , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Security Credit Services representative. It has been nearly 40 days and I have yet to receive any response from Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
billed services were not billed correctly by medical office talked to billing about debt and had to have insurace talk to them to tell them they were billing incorrectly and that it was needed to be fixed. had 2 insurances told i couldnt use 2. Called medical office and had them update billing to childs father since that was where they were residing and now this bill was sent to collection. I sent a letter to collection agency XX/XX/XXXX asking for validation of debt and no response now im being sued. I have contacted insurance for payment adjustments and asked medical office to send me all adjustments and payments. neither have furnished these documents. insurance is sending paperwork to me. medical facility has not furnished paper work and i called on XXXX 
Also i have 2 statements with same date and invoice number but amounts are different and name of patient was spelled wrong for months even tho we corrected it in office Medical debt is with Family connections XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Debt collector is National Account Systems of Omaha

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Associated Credit Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have gotten cell phone calls from Associated Credit Services XXXX XXXX demanding payment for a medical debt that was paid in XXXX. The caller said they would continue to contact me unless I sent them proof of payment. I directed the agent to contact XXXX XXXX XXXX billing dept at XXXX XXXX XXXX to confirm the payment of XXXX.. ( payment of {$50.00} XXXX & {$310.00} XX/XX/XXXX. ) I also asked why their client did not notify them of the payment. I contacted the group to confirm that they had gotten my payment. I was told by XXXX XXXX XXXX that I did have a XXXX   balance on my account. I was told by the agent they would forward this information to the collection agency. This call was on XX/XX/XXXX. 

Today XX/XX/XXXX I got another call from Associated Credit Services demanding payment on the dept. I told the agent it had been paid in XXXX and they were trying to collect on a debt. that was already paid. I was told they would continue to call me until I send proof to them that I paid the bill. I said they needed to contact their client. I have never heard of a situation when a client wouldn't notify the collection agency of a payment. The caller refused and said it was up to me to prove I paid. 

Again I called XXXX. and was told this would be communicated to ACS and confirmed that there was a XXXX   balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My Bank Card Balance ( cash advance ) increased from $ XXXX 27.24 % to $ XXXX 27.24 % with out any ATM transactions. The previous statements show this balance has been paid but the credit card company says that is because of payment allocations. They themselves have no clarity on what's going on as some agree with me and opened a claim that was rejected.

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 monetary relief
Consumer complaint received 2021-07-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX : XXXX XXXX XXXX XXXX XXXX 20 % off your first purchase FREE SHIPPING on any order when you use the XXXX 's XXXX XXXX.1 DOUBLE POINTS on every purchase to earn rewards even faster.2 EARN REWARDS get {$10.00} for every 150 points earned.2 HAPPIER BIRTHDAYS with a surprise birthday offer for your child every year.4 SNEAK PEEKS let you shop special sale events early. 
EXTRA SURPRISES with exclusive bonus points and savings offers for card members It boasts tons of benefits if you deside to use it even once but they wont send you your first bill but then said a late fee notification when you call them them they will say that they have fixed it and convince you to keep the account open then keep sending late fees even when your account is balanced and Paid off Close as soon as possible they will just keep charging you as

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother, XXXX XXXX, and I, XXXX XXXX XXXX, hold a joint checking account with Wells Fargo Bank. My mother receives a monthly Social Security direct deposit to this account and has for years. I have a Power of Attorney for my mother, and I manage her account. 

The XX/XX/2022 Social Security of {$1900.00} was not deposited. I subsequently learned that her nursing home illegally diverted this amount to the nursing home Wells Fargo bank in Arizona. Social Security confirmed this as fraud, and gave me the routing and account number for the Arizona Wells Fargo account. 

I called Wells Fargo fraud twice to request a copy of the document that allowed them to divert this money from the California joint checking account to the Arizona account. They refused my request both times. 

I believe as an account holder I have the right to request and receive this document. Please advise. Thank you. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSWORLD SYSTEMS INC
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 is missing that should be on the report

Complaint:
I sent certified letter to Transworld on XX/XX/2021 Transworld has ignored me and refuses to remove the unverified account they put on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DISPUTE INFORMATION ON MY CREDIT REPORTS TRANSION UNION, XXXX, AND XXXX THERE IS INCCURACTE SPELLING OF MY NAME CREDIT BREAUS REPLIED BACK SAYING VERFIED HAVE PLACE SECURITY FREEZES WITH XXXX, XXXX, XXXX XXXX XXXX XXXX SUPRESSED MY 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 explanation
Consumer complaint received 2023-02-21
Company: Alorica Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My account information is not correct. I have not received any new accounting statements. The payoff amount does not correspond with what is online. Asked to speak with a supervisor was told none were available on XXXX I asked to facilitate the process to close my account and have the funds deposited into my account the same one making payments. I was told it could take up to XXXX business days for them to verify the funds and issue the payment of my funds via direct deposit. Per the contract I signed with XXXX the my funds would deposited into my account with 2 business days after the funds cleared the account. I did not consent to my account being transferred to SST and the customer service is awful. To be a loan servicing provider and have zero access to speak with a supervisor is very concerning. I was told I could not file a complaint with them that I would need to call XXXX at XXXX to file a complaint. I called XXXX at XXXX MST XX/XX/23 to file a complaint and was told there is nothing they can do as they do not service the loan anymore. She also informed me that they have received numerous complaints about the customer service received and all they can do about it is document it and feedback to the loan servicer to correct the issue. It should not take a whole to get the funds from my account.

Company response to consumer: Closed with explanation