BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
On XX/XX/XXXX. Apparently, a company called Midland Credit Management served papers for a wage garnishment in the amount of {$1200.00}. They served it to the company 's Board of Directors in XXXX, XXXX via email ( XXXX ). I am in XXXX. Attached was a court order that has never been seen by me and the signature on it is unrecognizable to have accepted the order. I had my identity stolen in XXXX and have been fighting issues like this ever since. The Board of Directors in XXXX  sent the paper to my company CFO ( XXXX ), also located in XXXX. No prior order was served in XXXX. The information on the order is stating the city I currently live in within TN. The Notary signature is in XXXX, XXXX. When I called the company after having received the order, I spoke to a man who was extremely rude, when I asked his name, it was still unclear, When I started asking Questions regarding the charges, he gave me a different dollar amount to be paid and spoke with a very strong XXXX  accent almost not understandable. He continued to tell me that I could pay him {$1100.00} or I can just let the garnishment take the amount he stated prior. When I pointed out that the amount was different on the paperwork I had, he stated I would need to pay the interest. Really? The delivering company was called XXXX. out of XXXX. ( Fraud? sounding more and more like it ). 
Either way I would like for Midland Credit to stop this process and to stop harassing me. I have explained the identity theft and the information they are using for this pursuit is not true information. I have asked for proof ( exact ID 's, Social Security Card ( actual used ) and signature. In speaking to this man and I asked him information used to obtain this card, he gave me an address that I have not lived at in 9 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CHRISTUS HEALTH
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TLRA CALLED ME TO MY PHONE NUMBER XXXX AND ATTEMPTED TO COLLECT A DEBT FROM ANOTHER PERSON. I TOLD THEM THIS PHONE NUMBER NOW BELONGS TO ME AND TO NOT CALL ME AGAIN. DESPITE MY REQUESTS, THEY CONTINUE TO CALL AND TEXT ME WITH THEIR AUTOMATED VOICE / COMPUTER VOICE. THIS IS A FDCPA AND TCPA VIOLATION. IT IS ALSO A VIOLATION OF THE TFC SECTION 392. I AM A XXXX RESIDENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is my mortgage company. I closed on my home in XX/XX/2021. I got various quotes for homeowners insurance and chose the policy with the best rate. At some point, Flagstar paid three insurance payments, two identical payments of {$2100.00} each for a policy I don't have ( XXXX ) and XXXX for the correct policy of {$980.00} ( XXXX ). I received a new escrow analysis with an increase in escrow of {$260.00} per month. Naturally, I contacted Flagstar and discovered the error, however, at the time, I was told only one erroneous insurance payment was made, or that the second erroneous payment was reimbursed to Flagstar by the insurance company. I had to cancel the XXXX policy and request a refund of {$2100.00} so that I could forward the payment to Flagstar. I did so and was advised that a new escrow analysis would be made. I received it, but the amount is still wrong. My payment went from {$1600.00} to {$1600.00}, an increase of {$71.00} per month. Depending on who I speak with at Flagstar and after many calls, I get different answer as to what the increase is for. Some say it is due to the insurance issue, some say they require a " cushion. '' My homeowners insurance is the same, my property tax went up approximately {$60.00} for the year and so my payment should be {$1600.00} ( as was confirmed in one of my calls with XXXX ). My last call today with XXXX indicated my payment would go up in XXXX to {$1700.00} because of the " shortage. '' When I ask what the shortage is for, I am told due to the overpayment in insurance even though she acknowledged that I took care of it. Now I am advised there were three insurance payments. I ask which insurance and am told they do not know. I have gone round and round with Flagstar and can not get an appropriate response. Botton line, I believe my payment should be {$1600.00}. I have made every effort to resolve this issue based on facts. I am beginning to feel as if I am a victim of predatory lending. Ironically, the payment Flagstar is saying I owe would have likely not been approved when I got the loan in XX/XX/2021. Now they don't care. They have seemingly picked a number out of thin air and just expect me to pay it with no questions asked that I can't get a straight answer as to what the extra amount is for. Perhaps someone more knowledge than me can get a straight answer and get around the confusion and doubletalk. The escrow analysis also doesn't make any sense. Thank 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 explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: OH
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:
These companies continue to show late payments for a vehicle loan that was paid off completely before the final payment terms, YEARS BEFORE.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: NC
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:
Misuse of my name, address, phone number, and social security number along with the Dark Web inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( XXXX, Experian, XXXX ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.

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 2022-10-12
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet - utilizing Coinbase 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/2019, I applied for a XXXX XXXX with CAPITAL ONE. The card was denied because they said XXXX did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with XXXX was not frozen, but CAPITAL ONE said it was. I closed the Master card that day and do not know what kind of business CAPITAL ONE is running.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2018-08-02
Company: EQUIFAX, INC.
State: FL
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:
All THREE Credit Reporting Bureaus- Equifax , XXXX  and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX  Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
There are two account that are old and past seven years old. The first one is XXXX and the other is XXXX XXXX. I first did two disputes with all credit bureaus and they refuse to remove the outdated files. I then reached out to both credit lenders and XXXX XXXX agreed to remove the account. This has not happened and its been over thirty days. I reached out to XXXXXXXX XXXX  for XXXX and actually spoke to a live person that stated that they no longer had my account information in their database and could not assist me any further. I then filed another dispute with all three bureaus without any results except the usual response '' please reach out to the lender ''. Both creditors have XXXX balances and was closed due to inactivity over eight or nine years ago. I need help in removing this outdated information. I did everything possible with all three bureaus before contacting this agency. Please help me resolve this never-ending issue.

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 2023-10-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : -- XXXX -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX -- EQUIFAX -- XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NV
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:
Lender : XXXX XXXX XXXX Inquiry date : XX/XX/ Credit inquiry was not authorized as I did a pre approval and as stated from rep at bank and website that It would have an affect on my credit because it's a soft pull.

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 2023-03-25
Company: EQUIFAX, INC.
State: FL
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 Report Act XXXX XXXX : XXXX ProCollect 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 an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: PA
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:
The following accounts that is on my credit report is not mine : XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
XXXX needs family. I had an uncharacteristic 30-day late payment in XX/XX/XXXX on credit card. This was after a 2+ month battle with severe XXXX, and an XXXX child who became intensely violent in XX/XX/XXXX, leading to documented XX/XX/XXXX partial hospitalization at XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and months of both state funded XXXX XXXXn and private XXXX XXXX during the pandemic in summer XXXX. XXXX XXXX so deeply affected our health, finances and well-being that we missed one payment to a card I forgot I owned. Upon catching up in life when our son and my health were stable, I realized the mistake and immediately paid and closed the card, as it was based on XXXX XXXXXXXX, and we had moved outside of the airlines flying radius. I also missed filing unemployment due to mail piled up on our home. It was a terrible unimaginable time for our family, and BOa does not appear to be compassionate, even though the CARES Act was enacted to help people exactly like us. I Wrote letters to Bank of America in early XXXX. BOA replied that I should have told them in advance that I needed help. I did not know I needed the help, and literally kissed one payment. My credit is paramount to my business, and this one blip from height of pandemic has caused me significant financial hardship, as my credit score has dropped almost XXXX points due to this reporting by BOA. I have doctors letters documenting my XXXX and requiring time off work. I have documents relative to my sons hospitalization in XX/XX/XXXX. This was the worst 6 month period in my life, and I hate that I have to relive that by filing this, but I think the CARES Act was created to help someone like me who is now impacted long term because of a report made by a credit company in XX/XX/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 2021-07-13
Company: Experian Information Solutions Inc.
State: NM
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 have student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XX/XX/XXXX-XX/XX/XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/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 2023-10-20
Company: EQUIFAX, INC.
State: NE
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : 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 any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously notified Equifax that i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Multiple inquiries on my report I do not recognize

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