BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2019-06-11
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hillcrest Davidson and associates is an unfair foul practice company causing stress in my life ... i do not owe this company any debt they claim i do, they wont provide with any information i request regarding this debt, i asked them to stop calling me and my property management, which they haven't stopped the calls and the threats even after telling them to stop calling, this company has harassed me, XXXX profiled me, used foul language, and threaten me with in quote " we will release the dogs if you do not pay! " the amount they ask for is never the same with misleading information. 

they contacted people not related to this matter. they have used my phone number and other random numbers to call me and yell at me demanding payment they have trolled me day in day out with this matter i do not owe. 

this company has been detrimental to my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 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 2022-12-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I SENT EACH BEAURU A LETTER WITH ALL MY ACCURATE INFORMATION ON IT NAME ADDRESS PHONE NUMBER JOB I ASKED EACH OF THEM TO UPDATE ALL OF MY INFORMATION AND REMOVE ANYTHING INACCURATE. THEY HAVE FAILED TO DO SO

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 2023-06-30
Company: EQUIFAX, 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MD
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:
In previous several previous CFPB complaints, we asked Equifax to restore our auto loan account they had deleted from our reporting. As with other complaints, they did nothing so we did an CFPB complaint to the credit provider who soon after sent us a letter showing they had done an investigation and verified the account was missing from Equifax but still on the other two credit bureaus. They also indicate that Equifax acknowledged removing the account, but the answer made no sense. 

From letter : " This letter is in response to your request. First and foremost, ****** appreciates your business. Upon reviewing your account, we have determined that the information we are reporting on your account is accurate, paid off account XXXX  balance, your final payment was received XX/XX/XXXX. As required by law, we have reviewed our account records, during our investigation, we indeed show your file was removed from Equifax, according to the credit agency on XX/XX/XXXX a dispute was submitted and was never received or reply to it, that cause your file ( primary only ) to be remove from your credit. We submitted an AUD to bring your file back to your credit, you may reach out Equifax at ( XXXX ) XXXX and provide them XXXX # XXXX for further formation on your account, please allowed 24 to 72 hours for Equifax to update your reporting. Please note both XXXX  and XXXX  are accurately reporting your account, for primary and cosigner, not marked as disputed. We apologized for the inconvenience, should you have additional questions or concerns, you may  reach ****** directly using the contact information provided in the written response '' We can report that the account has since been added back to my Equifax credit reporting, but it now has deleted an important information. THE ENTIRE PAYMENT HISTORY IN MISSING -- - THERE IS NO LAST PAYMENT AMOUNT -- - NOT SHOWING MONTHS REVIEWED -- - There are also other things missing, which does not honor the XXXX  ( XXXX ) that they provider requested and therefore allows inaccurate information to be reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
yesterday XX/XX/23 at XXXX i am trying to coordinate with the agent/representative, that i can only able to pay {$150.00}, but they said they can not accept. It was the agent from XXXX XXXX XXXX XXXX who made a mistake, because i cancelled the policy way back XXXX, but no one did it. So they charged us a month bill which we have an active auto insurance with the other company. And today XX/XX/23 i called up by XXXX I spoke with XXXX and I am willing to pay instead of {$150.00}, i can only afford to pay even {$100.00}, but they don't want to accept it, she told me that the amount they can accept is {$390.00}, I can not afford that amount, we have already issues to pay our mortgage due to unemployment/XXXX  with my spouse and family got covid too. But they don't listen to me. They want to collect which i'm not liable to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened 2 business accounts in XX/XX/XXXX at SunTrust. While in the process of transferring money from my previous bank, I tried to access my account online but was unable to. I contacted XXXX XXXX, Branch Manager in person, and he pulled up my account and stated that my account had been CLOSED but could not provide a reason. He told me that I should not attempt to try any transactions for the next 5 days. Which I did. He stated that then after 10 days the bank would send me a check to close each account. The dollar amounts are in excess of {$46000.00} in my combined accounts. 

I have communicated with XXXX weekly and still not get any relief. I attempted to contact XXXX once again on XX/XX/XXXX. He was unavailable and off property. He left me a voice mail providing me with the fraud departments phone number which I called on XX/XX/XXXX only to be told the number was an inhouse number and they could not help me. I was then transferred to the personal banking center, which they stated they could not help me either. I was then transferred to the small business center. 

I told the phone clerk about the situation and provided all account information. She stated that she could not help me but would contact a person in the appropriate department that could. I said great I will wait to be connected. She then stated that I was not allowed to speak to them!!!!!!! 

She eventually came back online and told me that the account was not closed but under review for referral, but I could not transact any business. So, I said in other words it is closed. She said n. I said then I want to close the account at a local bank. She said she did not know if that was possible! 

I went back to my bank only to be told that XXXX was off property once again in a managers meeting. I said where is it perhaps they could help me. She stated that she would not tell me. I then went to another bank location, you guessed it in a Managers meeting. 

I believe SunTrust is attempting to fraud me from my money. They have been totally uncooperative, uncaring and have stalled over and over. They have not been forthcoming having never officially notifying me the status of my account. Is it closed or not? 

The lady on the phone did inform me that I was being sent a check for {$200.00}. This bank needs to be investigated ; can someone tell me how to proceed to recapture my money which has been stolen from me. 

Thank you 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 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi! I'm writing about unauthorized purchases to my account with BOFA. Since, around XX/XX/2022, we have had approximately {$19000.00} unaccounted for! It's been to our understanding that our identity was stolen. BOFA closed the old account were most of the funds had been unauthorized. The unauthorized charges continued on the new account at that time!? Most of the unauthorized charges were coming from XXXX, Colorado! We have exhausted all means of resolving these unauthorized purchases with BOFA. We've went to several branches with BOFA in person, spoke to supervisor after supervisor. They said they couldn't help us there. They just continued to tell us to call their fraud department. We and different Family members/friends attempted to try and get results with no progress! 10 to 15 times on the phone with agents, and supervisors including their fraud department, over and over! We just keep getting the run around. Stealing money from the elderly ( XXXX and XXXX ) years old! is reprehensible. Our account was closed on or around XXXX of XXXXWe were issued a new ATM/debit card and new account number. Unauthorized charges kept coming out of our account. The agents on the phone just kept placing us on hold over and over then transferred to several Supervisors with no results! Their fraud department has created 3 cases. We have 3 claim numbers with no results!!! We filed a police report case # XXXX with the XXXX. We've reached out to XXXX XXXX and they have been supportive. They referred us to you. Looking forward to hearing from you! 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 2018-12-26
Company: WELLS FARGO & COMPANY
State: GA
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO HOME MOR Opened Date XX/XX/2011 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter a few days ago from Wells Fargo telling me that they are going to close my two accounts in their bank on XXXX XXXX XXXX I was told that the decision of the bank is final. Anyway I called the bank to know the reason or get some explanation. First I spoke to the representative of the customer service and was told that they could not provide any information just I must know that the decision is final and the bank has a right to close my accounts. I told him that if the bank has a right to close my accounts then I as a customer I also have a right to know the reason. I told him that they can check my accounts there is no fraudulent activity or suspicious transaction on my accounts or any late payment for my credit card My accounts work in the same way as before what happened or what can cause to close my accounts. No answer, no explanation. Then I asked to connect me to supervisor. The same thing I explained her and got the same answer without any explanation. As a customer I have a right to know the reason of closing my accounts. I have analyzed myself if there is no fraudulent activity or transaction or late payment the only explanation is the fact of my national identity. I tend to think they are just closing my accounts because my last name ends in XXXX and I am XXXX I can not find any explanation to this awkward situation. 
I just want them to provide me reasonable explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: NORTHERN HILLS COLLECTIONS INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls from Northern Hills Collections agency. Idk what the debt is about. I have told them several times to stop contacting me. They have now started calling my girlfriend and her family members to talk with them about me. I don't even know how they got their numbers. This is unacceptable and has to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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:
Equifax, XXXX, and XXXX is reporting 2 accounts on my credit report and they are not my accounts. I never received anything in writing about these accounts from either company or from all 3 major credit bureaus. 

XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX equifax & XXXX have new inquiries that need to be removed from my credit report asap i gave noone permission to run a credit profile for inquiries fot me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: MiraMed Revenue Group LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from MiraMed Revenue Group regarding an alleged debt owed to XXXX XXXX XXXX. XXXX. To that end, I communicated in writing ( see attached ), regarding this inaccurate, erroneous, unverifiable entry. Miramed responded, see attached Please note, MiraMed 's letter is dated XX/XX/2022 ; however, the envelope containing the letter was sent XX/XX/2022, please see attached. This is very deceitful on their part, especially given the content of their letter states they will proceed with collection activity after the 10-day period. Please note, I am a XXXX consumer and receive Medicaid. All of my bills are covered and paid my Medicaid at 100 %. My disputes to this company were an effort for them to communicate with their client because I do not owe XXXX XXXXXXXX. Additionally, I requested they cease any and all collection efforts and return this alleged debt to XXXX XXXX. 

Their aggressive tactics to collect on this alleged owed debt continually cause me stress due to the fact that I know I am XXXX and my medical bills are fully covered. 

MiraMed has very detailed information about my treatment and medical care that violate my HIPPA rights. A third party company should not be privied to any information regarding care and services that are explicit to any medical conditions. Please see attached. This is illegal as information shared with third party collection agencies should be limited in nature and not explicit to the services so as to mitigate discrimination or bias. See attached whereby, MiraMed is clearly able to determine medical conditions. 

It is puzzling to say the least, that MiraMed can threathen to proceed with collection activity when they are at fault and wrong. MiraMed did not furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. MiraMed did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide the name and address of the bonding agent in case legal action becomes necessary. MiraMed blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates when they received the lettes of dispute, MiraMed should return this alleged debt to XXXX XXXX and remunerate me for the violations. 

Again, I am a XXXX consumer receiving XXXX benefits and Medicaid. I know my rights and I know that my insurance covers my bills at 100 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I was notified that my escrow evaluation anticipated a shortfall of approx XXXX dollars ... .of course an increase was also applied to adjust for their anticipated shortfall ... and the allowed us to pay the short fall which we did ... and this would carry through until review again in XX/XX/XXXX ... .well I was just notified that I XX/XX/XXXX another assessment was done to " make it better for me, to get me in sync with my escrow payouts '' ... ..and yes as earlier this year another anticipated shortfall of approx. XXXX dollars as well as an increase to my mortgage for a 2nd time this year. When asked if this practice was legal ... .they answered " it's legal as long as we notify you '' ... .Mr. Cooper purchased my loan from XXXX and specified that " NOTHING WOULD CHANGE FROM THE ORIGINAL MORTGAGE AGREEMENT ... EXCEPT WHO AND WHERE THE PAYMENT WAS BEING SENT! '' That's a lie because this is the 3rd time they have changed an agreement signed between us and XXXX

Company response to consumer: Closed with explanation