BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear CFPB, It has come to my attention that there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error, nor is it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: DE
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

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.

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 2022-03-17
Company: First Technology Federal Credit Union
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2021 per First Tech instruction I sent a letter to this address reporting an update to my address. This address was provided by my local branch. 
First Tech Credit Card Payments XXXX XXXX XXXX XXXX, OR XXXX My Address was not updated correctly and at this point due to a First Tech error I stopped receiving my statements from them. I pay my bills based on the statements I receive and since due to this error I never received a statement indicating anything was owed to First Tech. 

Upon seeing that I had a " past due '' I went to my local branch off of XXXX XXXX and spoke to XXXX XXXX. XXXX informed me that the address was not changed properly and that he was able to see the updated address when I called in XXXX after I saw my credit report effected. He apologized on behalf of First Tech for their error and let me know that he would speak to the proper department to get my credit report corrected since this wasn't my error and in fact a First Tech error. 

I heard back from XXXX about a week later and he was happy to inform me that my credit report would be corrected within 30 days and that he had credited all late fees due to the bank error. 

Upon recent review of my credit report the late payment for XXXX is still showing and had not been properly corrected. I was promised multiple times by First Tech and XXXX that this would be corrected. I have now waited patiently for months and this still has not been removed.

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 2021-06-28
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX the XXXX at XXXXXXXX XXXX I had done a card to bank transfer from US Bank ReliaCard to XXXX XXXX for {$100.00} the transfer was never completed nor did it come back I was given two different Trace numbers and told to resolve the problem myself that they didn't do that because I was with a prepaid card that I didn't ask for I've asked for my pua pandemic payments to be direct deposited and they will not do it they say we have to have the debit card however the next one took place on XX/XX/XXXX at XXXX XXXX. a card to bank transfer from my US Bank ReliaCard accidentally done to XXXX XXXX XXXX for {$50.00} XXXX XXXX was contacted and they never received anything that they had turned around it never went to them and my bank is saying that they can't do anything but possibly put a trace on it and they want me to do the leg work and find out where it went myself I have asked multiple times to have direct deposit to my personal bank account for this main reason here somebody's taking the money and they're not returning it and I'm tired of fighting with them I can't give you the proof physically because I do not get paper statements and my phone will not allow me to take screenshots of the transactions for security purposes

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 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. The inaccurate information continues to do harm to my credit. 

Kindly update or correct the payment history of these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.

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 2023-03-13
Company: EQUIFAX, INC.
State: AZ
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:
The following letter was sent over 30 days ago demanding removal of inaccurate and invalidated information on my consumer report : Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX, account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Upgrade, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Attached you will find documentation filed against Upgrade Inc. I was an Upgrade customer and have been unable to access my online account for close to a year. I called multiple times, held for hours and finally on XX/XX/2021 I reached a representative who confirmed that the one account I had open with Upgrade was paid in full, I followed up with an email ( see attached ) and was told the same thing. I was also told by a representative that I could not access my account because I had a XXXX email which makes no sense as I was able to access it to set up the account and take draws and pay down/off my account. I requested that the account be closed, and Upgrade agreed HOWEVER, Upgrade continues to withdraw money from my account monthly on an account that has been paid off and closed. I have also reached to XXXX XXXXXXXX XXXX, the Bank that backs Upgrade and have not received any response. These lending practices are deceptive and I need resolution. 
My ask is the following : 1. Upgrade provide a refund to me for the funds they withdrew after confirming that my account balance was XXXX, funds should be refunded from XX/XX/2021 to present as they are STILL being withdrawn from my personal checking account monthly 2. Upgrade send confirmation to the credit reporting agencies that my account is paid in full and closed My expectation is that this is done immediately. I have engaged both the Minnesota Department of Commerce and the Minnesota Attorney Generals office for support, and both suggested I reach out to you as they have not had any success reaching Upgrade of their Parent Company, XXXX XXXX XXXX. All supporting documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Fifth Third owns my mortgage on my primary house. The house had a fire, which was covered by my insurance. The insurance company XXXX XXXX XXXX has approved ~ {$80000.00} in damages and has sent me a {$43000.00} check in XXXX ( 5 MONTHS AGO ). I have met with Fifth Third in-person many separate times and have had XXXX phone calls. I have uploaded countless documents into their portal ; however, every time I speak to someone the requirements change. 

It has been XXXX and a half months, multiple calls & meetings & I can not get bank to co-sign insurance check. My contractor is ~ 80 % complete & hasn't been paid a dime. 

To get the final XXXX of my initial claim check, they insist upon an inspection. I finally set up an inspection appointment & the Fifth Third Representative was a No-Call No-Show. I took a vacation day for this meeting! I called Fifth Third and they had no way to contact this " inspector '' XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In 2015, I bought a 2015 XXXX financed by XXXX that was taken over by WESTLAKE FINANCIAL later on.

Unfortunately, services provided by WESTLAKE FINANCIAL are not performed well, it is somewhat predatory for lacking effectiveness and honesty in customer service; henceforth, it is inadequate because I am trying to pay off my loan and can not have anyone to go over real details with me.

All calls placed have been answered by overseas third-party companies that offer a somehow robotic treatment and can not direct my real concerns because they are not culturally prepared to serve customers in the USA, and do not know how to handle issues that are off their manuals. Today, I have spoken to 11 different people from varied departments, and no one knew what to do.

Therefore, I am disappointed because I called WESTLAKE a month ago when a representative told me I did not have insurance in 2015 and had to provide them with a letter from XXXX to prove coverage always existed. The representative also told me that once I had provided them with proper documentation and proof of insurance, I would have U {XXXX} waived from the total loan amount owed. As I was instructed by the WESTLAKE representative, I sent an email to XXXX with the XXXX policy information attached to confirm the insurance proof would act as a waiver towards the predatory total owed to WESTLAKE.

Note that, not only I could not still pay off the loan with the waived fee granted by WESTLAKE, but my total amount has been increasing by the day. This type of business leads people to mental health problems, debt, low quality of life and poverty, not to mention this kind of business procedures do NOT make XXXX great at all. This is a predatory business, with underqualified customer service outside the XXXX who do not disclose information clearly and mislead customers.

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 2023-07-20
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 explanation
Consumer complaint received 2022-03-17
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022, I spoke to a XXXX from Northwood Asset Management Group regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to XXXX XXXX. I authorized her to take a ONE-TIME payment of {$1000.00} and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from XXXX XXXX. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX  spreadsheet showing payment to them ( NAM Group ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of {$440.00} from my checking account. I have already reported this to my bank as fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: IL
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:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information is accurate

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 2022-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute online and XXXX and Equifax supposedly investigated the issue and it came back as a valid debt. It is not and if they properly investigated with the information below and attachments I submitted they would see it's not a proper debt and needs to be removed from my credit report. 


We moved out of our apartment ( XXXX XXXX XXXX ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-17
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: Information belongs to someone else

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

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 2022-03-17
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:
XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.

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