BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous.

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: NY
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:
Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You continue to violate and disrespect my right to privacy which is a direct violation of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people mentioned below to use or share my nonpublic personal information. Please be clear that no consent or authorization id IDENTITY THEFT! Your willful noncompliance has resulted in identity theft which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transactions and or experiences to be updated in accordance with my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: MI
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Ditech Financial LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ditech provided a modified loan payment program ( attached ) starting in XX/XX/2017. The payment schedule is in the attached. I made all of these payments on time during that program and yet they showed my account late in every single month ... they even accelerated the delinquency all the way up to 90 days. I disputed this with the credit bureaus and they left the status and historical payment information the same. 

Section 623 of the Fair Credit Reporting Act provides that data furnishers ( Ditech ) have the same responsibilities under this law as credit bureaus. Ditech is reporting something they know to be incorrect by listing this delinquency during these months.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: MA
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 am submitting this follow-up complaint to inform XXXX, Equifax, and XXXX Credit Bureaus that I will be updating my credit reports within a 15-day time period. I am eagerly expecting that the three Credit Bureaus will remove these inquiries from my credit reports. This complaint is a continuation of the previous one dated XX/XX/XXXX. I request that the inquiries listed on this complaint, as well as the previous one, be removed once the 15-day period for credit report updates comes : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was called today by Advance America and informed that my payment had not gone through on the XXXX, the date it was scheduled to be withdrawn from my checking account, and that I needed to pay that today. It was only after I asked as to why it had not gone through that I was told of a network outage at Advance America on the date it was to be processed that caused the payments to not go through. I told them I would need to check my bank account and get back to them. I checked my bank account and there was a withdrawal, for the full payment amount, by Advance America on the XXXX. When I called back I was told and explained that, I was then informed that the treasury had begun recognizing the payments from the dates of the network outage and that they would soon be able to see if the payment had gone through or not. 

I verified several times with them that they had called me informing me my payment had not gone through, when they in fact had no idea if it had processed or not, and informed me that the payment had not gone through, and that I needed to pay my bill today. At no point before I asked was I told that there had been a network outage and that they did not know if the payment had processed or not until I began to ask questions. Just simply that my payment had not gone through ( when it had ) and that I needed to pay today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Good morning, I received a credit card from US bank that I never applied for, I worried about somebody have access to name, account number, address, Social Security number. 

Thanks,

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 2023-10-23
Company: EQUIFAX, INC.
State: NV
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The account with XXXX on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The credit bureau verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.

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 2018-12-06
Company: Experian Information Solutions Inc.
State: DE
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 had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX. The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.

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 2023-10-21
Company: EQUIFAX, INC.
State: NJ
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:
This is multiple request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the listed items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery continues to call spoofing different numbers to reach. I personally warn them to stop calling and yet they continue to call. 

( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to XXXX, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 non-monetary relief
Consumer complaint received 2021-03-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was looking through my emails and received my statement of a balance. I never once used my card once I opened it. So I don't understand why I have a balance.

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 2019-04-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The following is the list of steps around this issue. 

Last winter ( XXXX XXXX ), I requested Wells Fargo to help me manage a checking account. It had a negative balance and I no longer had an Online Banking service and don't have a branch in my area so I asked them if I could deposit money to the account. They said they would not take any kind of payment on the phone so I had to open a new account. For some unknown reason, they said they had to to close the original account, transfer the money to a new account ( which they opened ) and set me up to use Online Banking. I then used Online Banking to make a payment to bring my balance to a XXXX balance. 

I called a few weeks later and then asked them to close the new account. They said they could not close it because it had not been opened long enough and I had to wait. 

I waited another month and called again. They said they would close the account. The account was never closed. 

I called again and they told me the same thing - the account had not been opened long enough and I still had to wait. 

I then received a statement in the mail with a {$10.00} service charge for having a XXXX   balance! I sent them a written letter the first week of XX/XX/XXXX stating that the service charge was a result of them not closing the account and asked again for the account to be closed. 

On XX/XX/XXXX, I received a letter from them saying they could not close the account because it had a {$10.00} balance. I am now writing them again to ask them to get rid of the service charge and close this account. 

Please note that they have performed many activities which do not seem to be legal : 1.  Opened up an unnecessary account for no valid reason 2. Would not allow the account to be closed 3. Charged a {$10.00} fee on this account.

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 2022-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed by citizens at the end of the day on XX/XX/XXXX. Me not knowing my account was being closed I deposited a check in the amount of XXXX which was more than enough to cover my overdrafts and I would have had XXXX in my account. I found out on XX/XX/XXXX that my account has been closed. From there I was sent through the run around as it relates to retrieving my funds. Now here it is XX/XX/XXXX citizens is in possession of over XXXX of my money and will not and has not sent my funds to me. I call constantly and Im constantly given later dates as to when my funds should arrive. This situation is causing hardship in my home in ways you cant even imagine. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX Account NumberXXXX, has violated my rights. 

15 U.S.C 1681 Section 602A.

I have rights 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.

15 U.S.C. 168 S-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 non-monetary relief
Consumer complaint received 2018-07-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and SANTANDER with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation