BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: AL
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:
Hello this is a formal complaint to request all credit reporting agencies including XXXX, XXXX, and Equifax to stop reporting invalid information in my name. Listed account information XXXX XXXX XXXXI # XXXX, XXXX  # XXXX, XXXX  XXXX BANKRUPTCY # XXXX, that are in no way mine. There is a public record for XXXX  XXXX Bankruptcy on my report and I DO NOT file for bankruptcy. That is false and misleading and has stopped me from getting a approved for a home and much more. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car

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 2019-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a notice from Portfolio Recovery Associates to pay a bill dated XX/XX/XXXX for a hospital bill from around XXXX. 
Amount is under just under {$1000.00}. 
This bill has been resolved for several years ( possibly prior to XXXX ) and is no longer a balance owed. They have tracked down addresses which have been out of state from where the bill originated and have continued to send notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2019-02-23
Company: American Financial Resources, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
CFPB Reference # XXXX New complaint with the same company. I have not heard back from AFR/XXXX. 
Now they have just sent us a new disclosure statement, it is incorrect. Because of their error they are expecting us to pay almost one hundred dollars more added to our monthly payment because of shortage. I would think that they could not do anything with our account until this is correct. I have not heard anything back from them, I have called, written, emailed. Attached is my balance sheet of our escrow account. 
I would really like to get this taken care of. Thank you, XXXX XXXX Loan # XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of last year I received a medical debt collection bill from a company called CMRE. The debt was for a medical bill issued from XXXX XXXX XXXX XXXX from an ER visit that occurred on XX/XX/XXXX. The total billed amount was {$740.00}. My insurance XXXX XXXX covered {$520.00} dollars of the total, leaving the allowed amount my provider could bill me at just over {$220.00}. However, once the debt was sold to collections, CMRE tried to bill me the total amount of {$740.00}, instead of the allowed amount of {$220.00}. I contacted CMRE by phone on XX/XX/XXXX to explain what had occurred, and that they were billing me the incorrect amount. They refused to listen, and continued to press me to pay the {$740.00}. XX/XX/XXXX I called CMRE again, and after some bullying from them, I asked for their mailing address so I could mail them a copy of the explanation of benefits from XXXX XXXX to clearly show proof I was being billed the wrong amount. I mailed a copy of the explanation of benefits to CMRE on XX/XX/XXXX via USPS along with contact information for my XXXX XXXX representatives and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a new letter from CMRE that said they will not reduce the amount of the debt despite the proof of the error, and that they refuse to do anything more in regards to the issue. I have tried multiple times to resolve this with CMRE, I have sent proof that they are overfilling me for medical debt, and they do not care. It is my personal belief that they do not care about the actual amount owed, and are only focused in getting as much money from me as possible, regardless of legality or what has already been reimbursed from my insurance company. At this point I feel helpless to do anything, as they will not take proof of the error into account, and they know I have little recourse without outside intervention to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: ALLY FINANCIAL 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:
I have contact the bureau about the inquires that appear on my account but nothing has happen they i have sent letters and filed disputes

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 2019-02-23
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the month of XXXX, I called into Wells Fargo Bank, and reported I was a victim of Identity Theft. I also requested to obtain all documents related to my Wells Fargo account. I was directed to many departments and Finally I reached the Executives office. I was told It would take about three weeks for me to receive the documents. I received the a letter from Wells Fargo Bank on XX/XX/XXXX The letter states It was written in reference to my XXXX XXXX account, that was administered by Wells Fargo. I don't have a XXXX XXXX account. I applied for an account through XXXX XXXX XXXX for XXXX services. The letter also states the documents and invoice could not be provided due to the merchant are no longer in operation. 

I then received a letter from Wells Fargo Bank on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX Office. The letter states they were responding to my concerns. It also states my application was submitted on XX/XX/XXXX. My application was not submitted on XX/XX/XXXX. My application was submitted on XX/XX/XXXX. Along with this letter was a copy of the invoice and application that was submitted by the merchant via the XXXX. On XX/XX/XXXX, I was charged a payment of {$190.00} to my personal credit card for the merchants in house dental Insurance.

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 2023-01-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received at least six letters from banks all over the US saying that they have opened my checking account, that they need more information to open my checking account and have also received debit cards from XXXX ( letter lost ) and XXXX XXXX XXXX  Business Debit Card from XXXXXXXX XXXX No. XXXX. 
XXXX XXXX  : XXXX XXXX. XXXX. 
American Express : Ref No XXXX : Savings Account. 
I have been unsuccessful reaching all of the institutions but have reached some, and three of the letters from last week were mistakenly discarded by my wife. However, I still have three letters from other banks. I do not recall the names of two of the banks since the letters were discarded mistakenly. 
I have XXXX XXXX since a fraudulent tax return was filed under my social security number approximately 5 years ago. I now receive a PIN every year from the IRS XXXX is now helping me. 
XXXX and I have called XXXX and put a credit freeze on my account. 
I want to open a claim. 
I expect many more of these fraudulent checking accounts to have been opened, but I have not received letters other than those discussed above. 
The banks that I have been able to contact say that this is done so that fraudulent wires can be deposited, withdrawn and then leaving me owing a bank for a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: Lending Club Corp
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:
LENDING CLUB CORP - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my XXXX score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MO
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
I viewed my credit reports and saw that I have 15 Education Loans that dates back to XXXX with XXXX XXXX XXXX on my credit reports. 
These are several accounts reporting the one late payment for XX/XX/XXXX, also stating that " the '' one late payment is 90 days late. However on the previous year XXXX, I paid on time from XXXX to XXXX, so I do not understand why they are reporting a 90 day late on XX/XX/XXXX. Are there still only 30 days that make up 1 month? This inaccurate reporting has been negatively impacting my credit. 
It is also being reported as 15 late payments accounts when it is the SAME ACCOUNT AND THE SAME MONTH XX/XX/XXXX. 
These accounts have been PAID and CLOSED. The last updated report was from XX/XX/XXXX, this information is outdated. Also on the same credit report, the same account number also has 3 accounts  reporting XX/XX/XXXX as paid and in a positive status. This also conflicts with the other accounts, please note they are all the same account numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
XXXX car loan already paid XX/XX/2022. Repossion not taken off from all three credit reports. I have sent paperwork in the mail twice. They claim that they don't have information but I have gone to bank and they do have it. I am requesting it be deleted. 
XXXXXXXX XXXX  There are two accounts which I have been told no paperwork on file. 
XXXX has no longer any paperwork on this account. The only account mortage is XXXXXXXX XXXX. XXXX XXXX XXXX  XXXX has no paperwork in the computer, XXXX no account in the system.XXXX XXXX XXXXXXXX is seven years old. It has been paid. I want it deleted off reports.

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 2020-12-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have been enrolled in a Payment Safeguard Program from Citi Bank without my content. I have never enrolled in such program nor agreed to via telephone or written.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-11-27
Company: Bread Financial Holdings, 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:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
It is for an old bank account and the debt is {$440.00}. I have been told to appear at a show cause hearing. I have told the company I cant make it to the court hearing due to health reasons and as well as Im on XXXX and limited on funds. I have set up a payment arrangement with the company however they still want me to appear in court. I have only been sent the letter for court in the mail and not properly served by a sheriffs office. The court date is in another county and I live 3 hours away from that court. The agency is XXXX XXXX XXXX and they have not been understanding of my situation. They have stated even if on a pay arrangement and I dont attend the court date that further legal action will continue or bench warrant issued

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-11-24
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dovenmuehle/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and Dovenmuehle and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), Dovenmuehle and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was enrolled at XXXX University for a total of 10 days. I am not a high school graduate therefore I did not understand the curriculum. After calling the admin at XXXX she stated no problem and I would not be charged. Now there is a federal student loan for {$9500.00} plus interest that I owe. First, I was informed that since I did not qualify to attend college with no Diploma and no Equivalent and unenrolled within 10 days, I would not be responsible for any charges. Second, I was never informed that the charge was {$9500.00} on two separate loans. After attempting to contact Navient, they refuse to help me get this resolved. Navient also states that I was enrolled at XXXX University XXXX ( Which I never attended ).  They have also reported me late several times to all credit reporting agencies which I don't understand and completely disagree with as the months I was reported late, I was under a deferment. Not only is Navient not looking into why I was charged {$950.00} a day on two separate loans but has also ruined my credit by reporting negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 or spring of last last year, they tried to sue for a completely different debt ( XXXX XXXX ). They threatened me with a lawsuit that did not succeed in the past and sent more mail today for a different 3 year old cc debt from XXXX XXXX. They are not true lawyers. They've been harassing me through mail for a while.

Company response to consumer: Closed with explanation