BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-02
Company: United PanAm Financial Corp.
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: Old information reappears or never goes away

Complaint:
This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, United Auto Credit is still  reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And United Auto Credit attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with XXXX and their response is that United Auto Credit said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against XXXX and United Auto Credit ( again ). Regardless of the category of this claim. United Auto Credit should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, United Auto Credit is blatantly violating the Fair Credit Act and in plain site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
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: 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 : Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of XXXX  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 2019-05-04
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I submitted an electronic request for a {$12000.00} balance transfer from Comenity Bank ( XXXX Mastercard ) at zero % interest until XX/XX/XXXX. The transfer was suppose to pay off a XXXX XXXX creditline account. The transfer was not made to " my '' XXXX account, as of XX/XX/XXXX. I have a log of the communication between both financial institutions attached. I have repeatedly requested Comenity for a copy ( front and back ) of the check to XXXX XXXX and they have yet to comply with my request. XXXX XXXX has researched their data base with the check #, trace id # and $ amount that Comenity provided, but nothing came back. 
Since XXXX I have been paying both Comenity and XXXX XXXX with a {$12000.00} balance on both accounts. 
My last statement from Comenity shows they are charging me interest and it should be zero. ( 3 statements from Comenity are attached ) along with Letters I received regarding my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 Citibank paid out a check for {$1500.00}. from my checking account that was made out to XXXX XXXX and they gave the money to another party. 
This check was sent in the mail and written out to XXXX XXXX. XXXX XXXX did not receive the payment. 
I requested a copy of the cleared check and I showed the endorsement to XXXX XXXX. It was not endorsed by XXXX XXXX and I've have asked Citibank WHO THEY PAID THIS money too?? They did not answer this question. Citibank has all the information. They alone know who they gave the money to, not me, based on the check endorsement. 
I've signed an affidavit and XXXX XXXX sent a letter on their letterhead. They have now asked me to a third round of notarized affidavits to be sent back to them. I think they are just trying to wear me down, so I'll drop the matter. 
They paid a check that was clearly written out to someone else. I spoken to people at the bank, on the fraud line and sent back two rounds of notarized letters. 
Please help? 
I have a case number and copies of all 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 2023-06-15
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX 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 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 2023-12-17
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has been reporting an invalid account to my credit file for close to 5 years. They are falsely accusing me of owing them {$6300.00}. I have never had any account with XXXX. Also, I have no contract with them. I tried to get them to send me any agreement that I may have signed with XXXX. They failed to provide any information. This is a fraudulent act on the part of XXXX. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately. Cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
3 collections XXXX. I contacted XXXX in the past couple months regarding a debt collection claim on my credit report. XXXX replied from XXXX website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. XXXX has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.

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 2023-09-13
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My account was closed and have to call to make payments. I called but they had a different card that was not aware was affiliated. This is no longer a revolving account and owed only {$120.00}. This has harmed my credit significantly and when I call I get treated like a non human being. Big banks have no issue charging late fees and reporting negative information to credit reporting without compassion or space to error. It is immoral and have get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Bridge It, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I signed up for a Brigit credit builder account. I had it on auto pay, and it had been smooth sailing for months. However, in XXXX, my auto payments stopped going through. I checked my bank account EVERY time and I had enough money for the payment. I emailed customer support every single time it didn't go through. I will attach the email chains of XX/XX/25 emails to figure out why it wasn't going through. They offered no assistance aside from trying again. Finally, despite my constant efforts and communication with them, it was reported as late. They did not fix the problem until the day I emailed them and told them it reported as late. Note in the emails my urgency, clarity, and noted desire to get it fixed so that it did not harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This all started when the company Seterus took over the loan from XXXX. The time they took over its been nothing but XXXX what they put me through. First they took one of my payment and applied it to my escrow account when they should of applied to the loan payment. I had sent you CFPB information before on XX/XX/XXXX. XXXX is the reference number. They said they were going to fix the information and correct it. I had sent them this information on numerous times faxing all the papers showing them all my payments. Till this day I'm still getting harass about them not getting the payments they already receive even after sent them my copies of payments. The Seterus company now sold my loan to another named XXXX and now I'm going through this whole mess again because they are informing they I didn't make my payments because of Seterus and showing them that NOW they said they didn't make a XX/XX/XXXX payment of XX/XX/XXXX to which they have copies because I sent them numerous times because of their of their misapplying the previous payment earlier to which NOW I believe was a lie about them fixing it. I know i'd made my payments and I believe I shouldn't have to go though this all over again and costing me more money to send them information they already have. I really need help with this once and for all. If I need to hire some legal help please advise. Thank you. The person I'd talk from XXXX was XXXX XXXX who inform me about what is now going on with my loan with them now and Seterus and what they inform them about me. Like I said earlier it had all started with Seterus screwing up my payment and misapplying it from the get go from XX/XX/XXXX till now XX/XX/XXXX. If you need copies I will send them to you, NOT THEM ANY MORE. They already have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: ENOVA INTERNATIONAL, INC.
State: KY
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:
HEADWAY CAPITAL IS INACCURATELY REPORTING A DEBT LOAN TO MY PERSONAL CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 non-monetary relief
Consumer complaint received 2022-11-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I lost my physical " XXXX  '' credit card with Wells Fargo ( WF ) in early XXXX. I rarely used the physical card because it was registered with XXXX XXXX. 

I received a notification of possible fraud from WF about {$300.00} spent at a XXXX in XXXX XXXX. I have been to XXXX  several times, but only nearby ones ( XXXX  XXXX  and XXXX XXXX )- why would I go to a XXXX  in XXXX XXXX when there is a XXXX  right next to my house? Also, I don't believe I would do big purchases at XXXX ; I use XXXX and XXXX which has rewards and better prices. 

I called WF about the fraudulent charge. I said that my card was probably lost but I wasn't exactly sure. I had just gotten back from a vacation in XXXX and was still unpacking and short on rest, so I couldn't say definitively. WF gave some unclear response about sending a new card and reversing the charge. But it didn't turn up anywhere in the weeks after that- it was lost. 

I assumed they would be sending me a new card. But for a while I didn't check my mail because I came down with XXXX, and afterwards I sort of forgot since I rarely used the physical card and assumed that the fraud charge was reversed ( it had been, temporarily, then ) I assume they didn't send me a new card because I was still using the card through XXXX  XXXX  and for rent rewards points. But I didn't have the physical card and it turned out they were not intending on sending a replacement for the lost physical card. 

Now I see the fraudulent {$300.00} has been added back to my balance. I contacted them about receiving a new physical card, and they will send one, but it seems like they will be dragging their feet in resolving this claim and having me waste my {$300.00}.

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 monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, this is a formal complaint that Transunion is in violation of 611 section 1681i ( A ) ( 1 ) ( a ). 
On XX/XX/ I sent Trans Union a dispute dispute with the accuracy of student loans. I have several accounts reporting in accurate information and four of those accounts are duplicate student loan accounts therefore they are reporting inaccurate and incorrectly., I was in disagreement with the outcome of a investigation on my XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I requested this company to investigate this plight to which they did not comply and as doing such they knowingly violated my rights. this inaccuracies and incorrect information is damaging my reputation and I am been denied funding and other opportunities because of this

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 2023-03-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all 3 credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XXXX/XXXX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was a patient at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) for a birth and I had a high bill aside from the insurance and was then filing for XXXX XXXX and was accepted. I even had a patient advocate call on my behalf, the hospitals aid it was under charity care and didn't need to be dealt with. A few months later the collection notices showed. 
They didn't give me a chance to discuss or settle it in any way. Secondly, the collection agency didn't validate the actual claim.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX : {$8100.00}

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 2023-01-18
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 fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested an accounting of my mother 's total assets. I was told that three of her accounts were closed due to lack of verification of my power of attorney. I provided the original power of attorney documents at the Truist branch located on XXXX XXXX XXXX. XXXX, Va XXXX, which were faxed to the head office on XX/XX/23. Accounts were subsequently closed due to lack of the documents I provided. Checks for the balances of the accounts were mailed to my mother 's home address. One check for {$860.00} was sent via XXXX and was delivered to the home in a secure mailshot. The check for {$160000.00} was sent via XXXX and left on the front porch ; no signature required. Fortunately, I was able to pick up the check. The larger check was sent by XXXX XXXX from the office on XXXX XXXX XXXX XXXX XXXX, TN.

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