BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
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: Account status incorrect

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2019-05-15
Company: Bread Financial Holdings, Inc.
State: CA
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 have a collection on my credit report that is a result of fraudulent charges. I was not aware of my card being used until after the collection because I never used the card. In addition I have placed credit freezes on all three bureaus for extra protection while I get everything sorted out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my XXXX, XXXX, and transunion credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX  XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX  XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX   XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX  - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**

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 2021-11-19
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collections notice for medical services when I have NO outstanding debts. I had surgery in XXXX of this year and was Required to pay my portion UPFRONT before services could be rendered. The total amount paid was {$2100.00} by credit card broken up in 2 payments ( First payment made on XX/XX/XXXX in the amount of {$740.00} and Second payment made on XX/XX/XXXX in the amount of {$1400.00} ). Surgery was performed on XX/XX/XXXX. 

I had to speak with a medical account manager to confirm this amount and to provide them proof that I had already paid my surgery physician, again prior to surgery.

Surgery would NOT be perform without me paying upfront. I was given a refund just last month due to over payment. This is a fraudulent collection attempt. THIIS IS NOT MY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Bread Financial Holdings, Inc.
State: PA
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:
XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with portfolio recovery to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was looking for used XXXX XXXX in XXXX XXXX  and got an offer as well. Ive agreed to pay {XXXX} as initial amount for total price of {XXXX} and transfer to the persons XXXX mobile # ( XXXX ) XXXX on XX/XX/XXXX. When I checked with the person on XX/XX/XXXX there was no response and no one picked the call too. When I contacted through text message on the same, I got a response saying its a wrong number. When I explained about the ad conversion, after that no response from the person and mobile was switched off. Pls take right action against this scammer

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 2021-11-19
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: EQUIFAX, 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:
Equifax has allowed my personal information to be compromised. They need to be shut down. They need to pay out every penny of their worth back to the people they violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NY
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably a billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have inquiries listed on my report that I have reached out to the company and credit bureaus to be removed and they state they are accurate. I have a statement with all agencies stating before credit is extended, someone should contact me to verify and that has and does not happen. This is affecting my ability to increase my credit scores and very discouraging. Please assist?

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 2019-01-22
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX I talked with Mr. XXXX , customer relations representative from XXXX Tx . I asked Mr. XXXX about the interest amount paid as of XX/XX/XXXX. per Mr. XXXX `` I can not tell you the amount of interest paid on your account. '' When I asked him why he could not tell me the amount, per Mr. XXXX " it is not company policy. '' He could tell me that the interest rate on loan is 8.5 %. Per Mr XXXX he could tell e the of principle on the loan that due is XXXX as of XX/XX/XXXX. Per Mr. XXXX " a mailing was sent regarding the interest being paid first then principle. '' This was a surprise to me, He stated " will resend to mailing adddress ''. Per Mr. XXXX the " industry standard information is not part of your original closing loan document file, the title closing agent did not confirm language, acknowledgment verbally, no signature as included in orginial loan file. You were not advised of the industry standard. I informed Mr. XXXX the term industry standard was not relayed to us at closing or after loan transfer to Nationstar mortgage. Nationstar failed to disclose the amount of interest paid on my account is a violation of my rights as coborrower. 
During loan transfer from XXXX to Nationstar, after review of loan files, fail to obtain industry standard signature, verbal acknowledgment from borrowers of loan after XX/XX/XXXX.  Nationstar neglected to convey specififications of the real estate loan transfer transcation. Interest being paid first then principle, letter not received. No verification it was received by me on file. 
Fail to investigate customer complaints. Qualified written request sent to ceo cerifitid on XX/XX/XXXX, requesting additonal information on servicing of loan.Through account history print out I discovered overcharges unexplained fees, invalid late fee assessed, inconsistent interest increases. Low amounts applied to principle, invalid late fee from bank draft authorization. Payments applied to suspense account without disclosure to me, code/description used for deduction from monthly payments. Such as corporat advance fee, non cash fee adjustments, and QC fee all were outlined in letter to ceo. 
Second qualified written request regarding servicing of my loan was XX/XX/XXXX, an acknowledgement letter sent, no follow up or investigation into complaint. Mr. Cooper continues to perpetuate the predatory lending practices against me. Being an elder couple we were unwitting victims of the housing scam era. The numerous deficiencies in accounting payments, failing to follow up with customer. Facts are contractual monthly payment for 139 months received on loan has paid off the loan amount of XXXX Zero credit toward interest means over XXXX has been paid and the remaining amount of XXXX still due is a proof of a fraudulent loan scam against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was approved for a modification through Wells Fargo. I was going through a traumatic divorce and they knew it. They were provided a quit claim deed and draft divorce in XX/XX/XXXX. I made my payments on time on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. In XXXX, Wells Fargo cancelled my modification without allowing my to finalize. They later stated that I had refused to have my ex-husband sign, which is false. My ex-husband refused to sign stating he had signed a quick claim deed and the house was awarded to me on XX/XX/XXXX. I also had a protective order against him because he was trying to kill me. Wells Fargo also stated that I have not provided the documentation required even though I had emails proving that I had. They forced me to open a new modification request, denied it in XX/XX/XXXX. I pursued escalation and they opened another request and approved. I made my trial payments again and am awaiting finalizing. I have asked that they correct my credit report to show I made my payments and to correct the damage their actions caused.

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 2019-01-22
Company: Bronstein & Weiss Arbitration
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was first contacted by Bronstein & Weiss Arbitration about 2 years ago about a pay day loan taken out in XXXX, Ohio by a woman who had the same name. They called the home of my elderly parents and were rude and threatened to serve me papers at their address. The papers were never served. A few months after that the abusive phone calls started again. This time they were calling my parents and my cell phone leaving messages that they would come serve me at my job. In XX/XX/XXXX they contacted my parents again and called my cell phone. When I answered the man on the line was extremely rude telling me to pay what I owe and that because of Trumps presidency he could speak to me in any tone of voice. The man hung up on me. After calling and being hung up on 3-4 more times I finally got a person on the phone. We compared information and determined that I was not the account holder. The social security number, address, date of birth, and place of employment were different from mines. Fast-forward to XX/XX/XXXX and I am still receiving threatening phone calls to my parents home and my cell phone. I have asked for documentation but of course I haven't gotten any because this person lives in Ohio and I live in Georgia. They have threatened to come to my job but I don't work at XXXX XXXX in Ohio. They are scarring my parents and causing my problems at work because they keep calling my cell phone.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days.

As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 45 days and 15 U.S.C. 1692g.

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 2018-03-26
Company: Stellar Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid Stellar Recovery phone number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX in XXXX FLORIDA {$450.00} to pay a XXXX bill to be removed from my credit then i received a letter from another company named XXXX XXXX  saying that the bill had been reopened an i still owe {$450.00} when i paid the bill on my credit report the bill was removed an said paid.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS SOME ACCOUNTS AND AN INQUIRY REPORTING ON MY CREDIT FILE THAT IS INACCURATE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRY. I HAVE NEVER AUTHORIZED THE ACCOUNTS AND INQUIRY. I AM ASKING THE YOU PLEASE HAVE THESE ACCOUNTS AND INQUIRY INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE. THEY SHOULD NOT BE REPORTING ON MY CREDIT BECAUSE THEY DO NOT BELONG TO ME.

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 2020-10-08
Company: CBC Companies, 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: Personal information incorrect

Complaint:
all information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY potentially negative icon Potentially Negative StatusCollection account. {$92.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$92.00} Date XXXX Details Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$940.00} Date XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Details XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$640.00} past due as of XX/XX/2020. 
Account XXXX XXXX XXXX {$7100.00} Date Opened10/06/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Dealership sales man pressured me into giving SSN to verify my Identity even after providing my XXXX  Drivers License. Then proceeded to run my credit through different banks without my consent at all verbal or wet signature.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
you guy have been giving me hard ship for a long time now I been nice and asking you to fix my scores and put the right information on my cridit report all this time have a dead ss number costed me life struggles hard ship I'm not dead other people mest up my reports and your workers incompetents you people realy no how to mess up lives I'm not dead or anything like that fox it I all ready called a lawyer fax it

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 2019-10-21
Company: State Collection Service, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
State Collection Service was contacted by me on XX/XX/2019, regarding a {$1000.00} medical bill from XXXX XXXX. I explained the circumstances regarding the bill. I provided them with all necessary information and documentation to have the debt paid. I have requested this debt be removed from my credit reports. It has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CREDIT ACCEPTANCE CORPORATION
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:
The credit acceptance and XXXX  XXXX XXXX  are both fraudulent

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 2022-01-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX XXXX -- -- XXXX : {$630.00} XXXX XXXX XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX XXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXX -- -- XXXX XXXX {$6400.00}

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 non-monetary relief