BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$98.00} ; XXXX  XXXX XXXX XXXX : {$1600.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
As of XX/XX/2021 Credit Acceptance was named an entity in my finalized divorce decree as solely the responsibility of my ex husband. After the divorce decree was provided to both him and I we both informed the company of this. After 12 months the company has updated the account on my credit report as active, open and 120 days past due. This should not be on MY REPORT! This became solely his debt. I even provided the company and all 3 credit bureaus with the decree supporting this statement and nothing has been done. The bureaus just report back as verified with no explanation. In accordance with the Fair Credit Reporting Act XXXX   Credit Acceptance Corporation, has violated my rights.. 15 U.S.C 1681 section 602 A states I have the right to privacy and any 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 2018-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates XXXX has been contacting me about a debt they say I owe them, I have never done business with them, nor do I owe them any money, no credt has been extended nor any services ever rendered to me from this company. They have been calling my work place during working hours. Account # XXXX. I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between PFR XXXX and I that im responsible for the debt on this account. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04
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: Account information incorrect

Complaint:
I have reviewed all three of the credit reporting agencies reports for myself. The show as follows : Experian Total Balance Due : {$57000.00}. 
Total Payments : {$710.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

The balances on all of our accounts ( 1 real estate/1 car payment ) is {$29000.00}. The total monthly payments we pay ( 1 real estate/1 car payment ) is {$1100.00}. 

We have some additional credit card accounts, but there is XXXX- balance on them, and has been that way for years. 

I have contacted Experian previously, however, they refuse to change the numbers on my credit report. Can you help me? As I strive to maintain excellent credit information, when you look at these credit reports, it indicates that I owe more than TWICE as much as I actually do. I am furious about this. Please help.

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 2023-06-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Recovco Mortgage Management, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I did a refinance of my mortgage with Sprout wholesale. It is a conventional loan. The loan was XXXX on XX/XX/2020 and the lender scheduled the closing for XX/XX/2020. Because it is a refinance, they were supposed to fund this loan on XX/XX/2020. As of today XX/XX/2020 at XXXX XXXX they have not funded the loan and what is worst, they are not even telling my mortgage broker when will they fund the loan. I am attaching an email chain between my mortgage broker and them. What will happen if my current lender decides to report me to the credit bureaus because they have not receive my payment from XXXX? 
According to my mortgage broker, Sprout is doing this all over the US, so it seems to be a problem with their credit lines. In the meantime they keep receiving new applications from clients that do not know what is going on with that firm. Avoiding this type of ponzy schemes and protecting the consumer, isn't what the CFPB is for? 
Please help, it is not right for a financial firm to behave like this and do not correspond with their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: IA
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:
Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX  many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate 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 explanation
Consumer complaint received 2023-07-07
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
About XXXX months ago my daughter babysitter started using my pc and extra phone to fill out application as well as to have a phone because she didnt own a cellphone, she had access to all my financial information, emails, banking as well as apps! Ive known her for years and trusted her! I didnt notice anything until Sunday XX/XX/23 when her mom called me and ask me was I letting her use my card to order clothing my answer was NO she only has the right to order food and thats it! Her mom told me that she was ordering items and shipping them to her friends house upon looking through my accounts I see she has been ordering items some 3 times in a day. I did NOT authorized her to use my accounts or cards to make any purchases other than XXXX or XXXX XXXX anything else she had NO rights! I have my police report, I have put in a dispute with all of my banks I bank with Chime is the only bank that hasnt giving me my money back i have sent in my police report and all info about the other banks! They take all of 10 minutes to come back and tell me there is nothing they can do the first day i tried to put a claim in someone had made 2 extra purchases and I called them to tell them and again they told me it was nothing they can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: GA
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}

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 2023-11-15
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I received a text message from phone # XXXX stating REGIONS BANK N.A. : Did You Attempt A Transaction Of {$220.00} At XXXX XXXX, GA? # XXXX REPLY I/ ( YES ) Authorize ( NO ) Fraud, A Call Will Be Generated To You Momentarily please be on stand by After receiving the message I messaged back NO. Immediately I received a call from a regions phone # with a lady on the line named XXXX. She proceeded to ask me about some transactions that had occurred on my account that was not me being that this is a business account I DO NOT HAVE A CARD FOR THIS ACCOUNT. I ONLY WRITE CHECKS OUT OF THIS ACCOUNT AND PAY MY BILLS ONLINE WITH MY CHECKING ACCOUNT. I proceeded to log into my account with regions coming to find out there had been several charges on my account that said XXXX XXXX Deposit but it was not deposits it was money being withdrawn from my account. SEVERAL DAYS SEVERAL TRANACTIONS. Totaling an amount of {$24000.00} I have been round and round with Regions Bank and have got no answers to where my money went and no answers of when my money will be given back and not one phone call from Regions Bank to talk to me about what has happened. I have called Regions numerous times still getting nothing. This is a lot of money not just {$5.00} and I want my money back and some answers from someone of what is going on. I have opened a new account with Regions and have taken all security measures to prevent this from happening again now I need Regions to do their part and help me get my money 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 explanation
Consumer complaint received 2021-04-05
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I attempted to pay Wayfair account before services mailed my first statement. The day I received the statement I paid the Bill in full. The next month I received a late payment fee. I called to request it to be waived. I was told due to Wayfair and XXXX  dissolving their partnership they would not waive. I called more than once, and no resolution. Mail in my area was delayed due to COVid-19, with the post office being shut down. Every month I got an additional late fee and report to my credit bureau. I filed a previous a complaint with CFPB. In the mean time I continued to resolve the problem until one person at XXXX  threatened me. Stating that it was mot his fault I didnt pay my bills, and that I could pay {$75.00} today and no other offers would be given to me. ( I had explained I was waiting for CFPB, and he continued to talk threaten me. ) this person also stated he knew when I received my bill, but clearly did not ... and continued to say I failed to pay my Bill or listen to me. This account has now ruined my credit score that I have spent the last 3 years repairing. As a consumer, I was at their mercy to do the right thing, they did not. I thought the CFPB was to protect consumers like me? Last week I was able to speak with an XXXX rep and he cleared up my account balance. Now, Im left with a suffering credit score. What recourse do I have? How can XXXX be responsible for the actions and comments of its staff. I tried to resolve this situation as soon as it happened. And I feel it should be illegal they way I am being treated. How can XXXX be forced to revise my credit reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
TransUnion I have two issues with this company. Number one, my score is SEVENTY FIVE points lower than both XXXX  & XXXX. It is impossible to get through to an agent. We are trying to obtain a home loan, and there is no way to communicate with this company in a timely manner. They are owned by XXXX XXXX, this is owned by the XXXX. Why in the world do you let the words largest bankers run a credit reporting agency? 

Secondly, when TransUnion asks you to sign up for an account, they DO NOT mention AT ALL there is a {$24.00} fee for credit monitoring. If you look, there and thousands of complaints about this. 

None of this is acceptable. I demand my {$24.00} back, and I am contacting the Delaware Attorney General to file a complaint against TransUnion. 

We bailed out these people 12 years ago, now during a pandemic we are getting crapped on. I will not tolerate this.

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 2023-08-18
Company: DigniFi
State: NV
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:
I requested to have the annual fee waived and the account closed since it had been dormant for 1 year and that I no longer needed the account. I was told on XX/XX/XXXX that my request was approved and that the {$60.00} fee would be waived and account closed. On XX/XX/2023 I was notified by XXXX that my credit score dropped XXXX points due to derog hit from Dignifi. I contacted them immediately and to have the account rectified and bureaus updated. I was told by Dignifi that I needed to file a complaint. They should rectify this since it was their NEGLIGENCE that caused a DEVASTATING IMPACT TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX my XXXX XXXX contact was mutually cancelled due to the company not being able to provide services at my address. I switched to XXXX network and have been with them since. XXXX of this year I noticed a credit decrease from jefferson capital on my account stating this was for XXXX XXXX I called jefferson capital and asked them to verify this charge and they stated on the phone they don't have any records just an amount owed they also stated that I need to contact XXXX XXXX  for records. I then contacted us cellular and they stated to me that they don't keep records once there sent to a collection agency. I called jefferson capital back and told them I would like to dispute this charge as I was never notified by XXXX  XXXX  that there was a remaining balance nor should there have been. This has been 5 years and no notice or letter regarding this matter. I requested from jefferson capital validation of charges and records from this charge and was only sent two letters with an amount on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I did not received the most recent billing statement to pay the monthly mortgage. The bank terminating my banking relationship and also terminated my online access to view the mortgage. The mortgage is not in default, but the bank is creating a hardship and unduly burdensome conditions in violation of : 1. Equal Credit Opportunity Act ( ECOA ) : ECOA prohibits lenders from discriminating against borrowers on the basis of race, color, religion, national origin, sex, marital status, age, or other protected characteristics. Denying loan payment access based on these factors could be considered a violation. 

2. Fair Lending Laws : Various fair lending laws at both federal and state levels prohibit discriminatory lending practices, including actions that unfairly target certain borrowers based on protected characteristics.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The Consumer Financial Protection Bureau ( CFPB ) may investigate and take action against financial institutions engaging in unfair, deceptive, or abusive acts or practices. 

4. Contractual Violations : If the denial of loan payment access goes against the terms and conditions outlined in the loan agreement, it may constitute a breach of contract.

5. State Consumer Protection Laws : State-specific consumer protection laws can also come into play and vary depending on your location.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: GA
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:
I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.

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