BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: ENCORE CAPITAL GROUP INC.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022, I filed a dispute against several companies when I found that there were credit accounts opened under my name. XXXXXXXX XXXX promised they would resolve my case, which they did three months after my dispute. XXXXXXXX XXXX closed the account after an investigation found that I was not responsible for opening the account. 
However, a debt collection, Midland Credit Management, sent me a letter asking me to pay the balance on the previously closed fraud account with XXXX XXXX XXXX for XXXX USD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. These are Expired, well over XXXX XXXX XXXX. I did not receive any response, so I submitted online request with EXPERIAN to validate these items. I did not receive a response. It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. Plus, with the new medical laws, starting XX/XX/2023 the medical collections that are under {$500.00} were to be removed. Ive attached a copy of the 4 items that need to be removed from my credit report. 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit 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:
Over a year ago, XX/XX/XXXX of XXXX, I made a {$700.00} payment on a credit card issued by Comenity Bank, a card I had been using for a number of years. I shortly discontinued the card with Comenity Bank and paid off the remaining balance. Comenity Bank claimed at the time and subsequently, that I had not made that {$700.00} payment. They could not find the check, apparently. Finally, after I had sent them proof of Comenity receiving the payment digitally from my bank here in XXXX, Va., Comenity Bank sent me a letter, dated XX/XX/XXXX of this year, acknowledging the payment had been made, a letter I will attach to this complaint. While communicating with Comenity Bank about this dispute, they have continued to send me statements claiming I still owe a balance of {$680.00} on this credit card account, despite their dispute department sending me the letter indicating I was not responsible for the questioned payment of last XXXX. I will also attach the last letter I sent to them about this issue. Also attached will be their latest statement sent to me in the past few weeks. In short, Comenity Bank continues to send me statements for an account that has since been closed and by their own admission I am no longer responsible for any balance. 
The address I have used to communicate with Comenity Bank is on the letter I have attached : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX The payments made are sent to a different address in Texas : XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18
Company: Chaplain Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted several times from a company claiming that I owe a  cash advance loa n in the amount of {$3300.00}. They have contacted my home and place of employment even after I have requested that they cease. The company representatives have threatened to place a lien on my home, have me served at work and my pay garnished. When I contacted them at  XXXX ,  XXXX   XXXX  as they request, they will not provide me with any information unless I verify the  last four digits  on my social security number and other personal information, which I refuse to do, after which they hang up on me. I have never tak en a cash advance loan, so I know the loan is not mine, however they will not stop con tacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
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 have attempted to dispute all listed items in attached document with all 3 credit reporting agencies : experian, XXXX and XXXX. Information would be taken off, then readded, disputes were coming back with no proof of accuracy and I was part of the XXXX data breach. 

All account information and dates are on attached document.

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 2023-01-30
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XXXX, I changed cell phone numbers. I updated my phone number with my bank and needed to make a wire transfer from my business banking account. I called customer service who directed me to authenticating myself using the standard text messaging that I had used prior without incident. I set up the transfer and received a text on my new cell number and entered the last 6 of my ssn as instructed. I received an error that this was incorrect. I spent hours over the next month on the phone, in my local branch, and reaching out to the CEO/executive care line eventually as I followed Regions instruction and was locked out of all my accounts. After I finally was able to get access to my accounts again, I was told by an agent that I should have never had this happen as it was well known glitch that any customer who had a social security number where the last XXXX digits begin with a XXXX will trigger a fraud block - she said they had numerous trainings on this and it should never have happened nor been allowed to lock me out. 
The result was I was locked out of all XXXX of my Regions accounts for over a month resulting in Significant overdraft fees ( some of which were refunded after I continued calling ) and most importantly thousands of dollars in returned payments, late fees, the inability to pay any bill on time as I had zero access to my bill paying accounts. I have complained at all levels and was told indeed this was a well known issue with Regions transfer services but their response was after months of my complaints and requesting help, Regions had refunded some of their fees. As this was clearly a well known glitch with their system, it cost me weeks to finally have some of their overdraft fees recredited but it cost me thousands for every bill that was returned out of my account after I had proven my identity in person and filed numerous complaints. I am still suffering the financial penalties because of this error that was allowed to continue for weeks and the financial penalties to me have not been addressed at all.

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 2023-05-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently got a disclosure from XXXX XXXX And there are several email addresses using my information that doesn't belong to me nor have I heard or done any dealing with the companies also my criminal record is showing double the report plus showing the old cases as if active when the disposition states to be closed and over however by showing them agencies assume that these findings are current and active, back in 2020 I worked for XXXX XXXX XXXX XXXX in XXXX az XXXX XXXX XXXX And their system was hacked and information was compromised I'm currently trying to get my real estate license and these inaccuracies can and will stop me from pursuing my career which will cause me to be stuck iXXXX XXXX XXXX XXXX XXXX XXXX XXXX  from being forced into hardships joblessness homelessness and 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 2023-01-09
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: MO
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 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 XXXXXXXX 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 crimes which antedates the report by more than seven year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or 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 2023-07-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Credit reporting agencies XXXX, XXXX, and Equifax have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Account information incorrect

Complaint:
This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies Experian, XXXX, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

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 2022-12-16
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:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items in m y credit report : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX ( first year paying taxes through escrow ), loan servicer sent us a refund check for the remaining balance in our escrow rather than pay the county we owed taxes to. Then, the taxes came out of the account and put us into a " shortage ''. 

XXXX Received our escrow analysis from XXXX claiming we were in a " shortage '' and that our payments would be increased from {$2200.00} to {$2300.00}. That would be an additional {$92.00} for the next 36 months to cover the shortage of {$3300.00}. 

XXXX XXXX XX/XX/XXXX Escrow Analysis arrives stating we are now short {$3700.00} ( MORE than last year 's shortage ) and our monthly payment will increase by {$150.00} a month for the next 24 months beginning XX/XX/XXXX. 
Brought our bill from {$2300.00} to {$2400.00}. 

XXXX XXXX received an email of the escrow analysis ( although we had received the one in the mail in XXXX ). The email contains a video presentation stating we are now {$5600.00} short in escrow and beginning XX/XX/XXXX our mortgage will be increasing to {$2600.00}. 
I reviewed our mortgage payment statement online. {$1000.00} a month goes into escrow. Our taxes every year are less than {$10000.00}. So if we are paying {$12000.00} into escrow a year, and taxes are only {$10000.00} ( which they haven't been that high yet ) ... why are we coming up SHORT? We are paying at least {$2000.00} extra into escrow. Why is our escrow shortage continuing to accrue a negative balance? And why does our mortgage continue to increase, although we are already paying to cover the shortage? 
Please help! We are paying what they asked of us to cover the shortage AND our taxes... where is our escrow money going? How can they keep raising our payment by hundreds of dollars when they did the analysis and established the money needed to pay off the shortage and we are gladly paying it? 

I am happy to provide all my Escrow Analysis documents from the first year we lived here. I can provide any information you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
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:
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.

has violated my rights. Or a list of inquiries : 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 crimes 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 non-monetary relief