BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I am once again filing a complaint against Wells Fargo, regarding the settlement with you, the CFPB in XXXX XXXX 
I have previously filed a complaint here, based on the facts that I feel I should qualify for a portion of the settlement, with regard to a Mortgage Modification in XXXX.I have provided documentation, both to the CFPB, and to Wells Fargo directly , which shows where they withheld information and documents from me, in the modification process. Wells Fargo says they don't believe I should be a party to the settlement. When I have repeatedly asked for their reasons, or their matrix on how they are deciding who is a party to the settlement, they refuse to provide, stating that is internal and propriety information. I am asking you, the CFPB, to get involved. This company should not be allowed to simply deny someone's request, and ignore the information, and refuse to pay. If I truly don't qualify, based on some real and documentable basis, I'll drop it. But with the previous deception, and their inability to provide their qualifications, this smells dirty... again.

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 2023-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This constitutes a breach under 15 US Code 1681s-2, which outlines the responsibilities of entities providing information to consumer reporting agencies. Their failure to furnish me with a written notice about the account prior to its reporting constitutes a violation. Consequently, I insist on the removal of the account from my credit report, as I contest the debt they assert I owe.

Moreover, they have infringed upon my rights stipulated in 15 U.S. Code 1681b ( 2 ), governing permissible purposes of consumer reports. This breach occurred through the unauthorized reporting of the account and the improper usage of my social security information. In light of my identity theft victimization, 15 US Code 1681c-2 necessitates the blocking of such data without my explicit written consent.

Per the guidelines of 15 US Code 1681a ( 4 ), consumer reporting agencies are obligated to uphold my privacy rights. Regrettably, this right has been violated by their public dissemination of my information, an action for which I never granted your organization authorization.

I demand the immediate deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: TekCollect Inc.
State: CA
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 received notice that my insurance paid 100 % of the contracted payment amount permitted for a surgical procedure. Subsequently I received a credit alert showing a collection account on my credit bureau. I immediately contacted & resolved the discrepancy with XXXX @ XXXX XXXX XXXX XXXX with the assistance of my insurance company. XXXX assured us that the collection reporting would be removed from my credit reports, but, it was only removed from 1 credit bureau not all 3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Bread Financial Holdings, 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:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.  

 

These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate:  

Account Number:XXXX
Company: CB/VICSCRT
Status:Unpaid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear XXXX XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXXXXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

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 2018-11-06
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
These American Express accounts have been settled through my program with XXXX XXXX XXXX. the accounts show negative remarks. However The accounts are SETTLED AND paid in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act theis creditor has violated my rights under 15 USC 1681section 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 under 15 USCS 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly ask for proof of this account I do not know any credit acceptance they have been reporting late payments on my credit for a year. I have never had a account with credit acceptance do not know this company when I tried to rectify this account they were not trying to assist with this issue. I need proof of this debt I hav disputed with all three credit bureau and no luck with proof

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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a few collections on my credit 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
Consumer complaint received 2023-08-18
Company: Nelnet, 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:
The Department of Education is, has been, and continues to violate my consumer rights. The Department of Education is not complying with the FCRA. This company continues to ignore the Gramm-Leach-Bliley Act. In addition The Department of Education has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Alpine Credit, Inc
State: CO
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 will be the XXXX attempt to stop XXXX from reporting XXXX closed accounts for the US Department of EducationXXXX and XXXX closed accounts XXXX/Dept of Education on my credit report XXXX These accounts have been closed since XX/XX/2020 and XX/XX/2020, respectively. They do not show as open accounts on XXXX and XXXX which I also explained to them on the forms and in a letter. The impact of having this information displayed on my account as open has kept me from being able to rent/lease a place to live because my credit score is too low ( XXXX ) and it shows reason code : XXXX - The total of your delinquent or derogatory account balances is too high. We currently live in a hotel. 
Secondly, I have asked more than 3 times for a duplicate account from Alpine Credit IncXXXX XXXX of Colorado to be removed from my credit report. The company charged me twice for the same day of service and the bill was paid in full by my insurance company. They never send any documentation to my email address, they only tell me " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account #. Where is the proof? I have even written XXXX XXXX of Colorado and Alpine Credit Inc and neither of them have emailed any verification documents or proof either. 
The information contained on one credit reports should be exact or at least similar in content and XXXX is always different and the worst when it comes to depicting someone's owed or owned debt. I am disputing these items every 3 months, if necessary, until they remove it or until I contact the Office of the Attorney General. I don't want to live in a hotel forever but until they remove the closed accounts for US Department of Education and XXXX/Dept . of Ed, and the duplicate account for Alpine Credit Inc., we will continue to live here because my credit score will never be high enough to rent or lease a place outside of here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered an auto loan contract with Credit Acceptance on XX/XX/XXXX for 33months and I have doubled the payments and I only owe is {$870.00} and for the last two months they have reported to all 3 credit bureaus still saying I owe {$1300.00} and my credit has fallen XXXX points, my account number is XXXX, the car will be paid off on 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 2022-01-14
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was admitted to XXXX XXXX XXXX for a XXXX XXXX, resulting in a few stitches, nothing more. Here, they did not run my medical insurance, they did not ask me if I had insurance, or care to check records. At the time, I was so focused on my severe pain that I did not think to take out my insurance card, but then again, remembering to run my own insurance while in severe pain is NOT my responsibility as the patient. It is the hospitals sole responsibility. I assumed they had my insurance on file as I was sent home without a bill included in my discharge papers. 

Well over 3 years later, I received a bill for {$5200.00} from Certified Credit & Collection in XXXX XXXX, NJ. When I first called this collection agency in XX/XX/XXXX, I asked for an itemized bill, because I was concerned with what this was about. After all these years, I thought my insurance took care of this bill. Naturally, I asked if my insurance was ran in XXXX. This is when my account representative, XXXX, ( Possibly XXXX, they are hard to understand ) told me that my insurance was NOT ever ran by the hospital. This is the first time I became aware of this information, on XX/XX/XXXX. My account representative told me she would reach out to the hospital for notes. And ever since that conversation, I have tried to reach out to my account representative more than 6 times for said hospital notes. I was told I would receive a call back every time I reached out, and I never have. I have been following up daily and I get no feedback. 

In fact, the more that I follow up, the more angry and rude this agency becomes. This agency has used abusive language with me, today XX/XX/XXXX at XXXX, saying that " I lied '' and that " they try to call my but my phone is disconnected ''. My phone number has never been disconnected since I obtained it over 15 years ago. That is 100 % false, an intimidation tactic, and predatory. Especially because I have documentation from XXXX of incoming call logs with no call coming from them, and I have documentation from XXXX of outgoing call logs with multiple calls from me to their agency. I also have documentation from XXXX that my phone has not ever been disconnected or shut off. 

Additional from the abusive language from this agency, to my knowledge, this debt is no longer collectable and they should not be contacting me about it. It has been over 3 years without running my insurance on their end, thus a medical insurance claim can not be filed. And according to my insurance agency, this debt is the sole responsibility of the hospital now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from ECMC. I have not taken any loan from ECMC. As I contacted ECMC the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not  match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence ECMC promised that I will not receive any email or letter communication from ECMC going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from ECMC. I contacted ECMC again but it is not getting resolved.

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 2020-03-30
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:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2023-11-21
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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 do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX  ( aka XXXX Payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account XXXX XXXX Credit Card XXXX XX/XX/XXXX. The account was closed and Paid in full XXXX, XXXX. The re-assigned cc number is on my credit report. I have called so many times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listing on my credit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} in XX/XX/XXXX. I did so because of interest, etc. There is a whole long story behind this. XXXX XXXX  REFUNDED THE MONEY TO COMENITY BANK XX/XX/XXXX. They stated their policy is to send to original purchase point. I have a dialogue with XXXX XXXX. I sent a USPS Priority Mail packet with all the documentation I have to Comenity Bank 's po box in XXXX, OHIO. I received a letter back that the account is closed and the balance is zero. So what happened with the {$11000.00} refunded by XXXX XXXX. I have documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief