BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Enhanced Recovery a certified notification to validate the debt they claimed I owed, and I never received a return letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights  and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people. Please I want to get this solved asap.

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 2019-10-25
Company: Santander Consumer USA Holdings 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 went to lease a vehicle in my business name and they put it on my personal credit I did not sign for it personally. 
Then they reported me late payment but I had made my payment to the dealer because they contacted me and told me that the loan had not funded yet and I have to make another payment to them and I did. 
Finally 2-3 months later when I received from the my first bill I paid it then they reported a late on my credit. For the payment I gave the dealership. 
They acknowledged the payment but have not removed it off my credit report as a late payment. 
The company is Chrysler capital

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Got approved for a loan. Did all the paperwork. But I never received the funds nor did any of my debts get paid off by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is attempting to collect a debt balance that is being inflated with a ridiculous amounts of fees. The debt has reached {$5800.00} which now includes {$890.00} of collection fees. This is outrageous and there is no way anyone would be able to pay a debt that continues to accumulate fees that are in the thousands. This is outright consumer abuse. I have attached the notice I received of the inflated balance that is attempting to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a 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 non-monetary relief
Consumer complaint received 2017-12-10
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice a collection account was added to my credit report on XX/XX/17 that does not belong to me. I recently had my identity stolen and have a police report to support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: MO
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:
Contacted XXXX on XX/XX/2019 to dispute amount on report XXXX $ not the same amount on other credit reports acct number 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 2019-07-15
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Compliant # 4 : Same issue ( not posting payments when received and not posting payments in a timely manner ). 

Response to Ditech statement dated XX/XX/2019 -- XX/XX/2019 listed unpaid payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/2019 in the amount of {$5000.00}. 

False Info : XXXX payment ( Check # XXXX ), XXXX payment ( Check # XXXX ), and APR payment ( Check # XXXX ) were processed and cleared through the financial institution. 

The delinquency that exist presently was created when Ditech returned the XX/XX/2019 payment ( Check # XXXX ) and XX/XX/2019 payment ( Check # XXXX XXXX. The payments were received by Ditech via USPS Tracking # XXXX XXXX XXXX. 

Copy of attached letter post marked and mailed XXXX XXXX to Ditech and XXXX XXXX XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to bring to your attention that the reported charge-off status and the manner in which it has been presented on my consumer report are inconsistent with the guidelines outlined in 15 USC 1681eb . According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Bread Financial Holdings, Inc.
State: IL
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 according with the fair credit Reporting act XXXX XXXX XXXX XXXX Account XXXX 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ca XXXX Experian XXXX. XXXX  XXXX XXXX Tx XXXX XXXX : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/2020 I sent this letter registered mail and have enclosed a copy of the return receipt which you received XX/XX/XXXX. 

As you are well aware, federal law requires you to respond within 30 days. I understand that the CFPB is relaxing the accountability for the 30 day recepose requirement due to these uncertain times. HOW EVER THE LAW HAS NOT CHANGED. 
It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.

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 2023-05-27
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: Personal information incorrect

Complaint:
Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me. 

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX I have only lived at 1 address in fl. To my understanding there is another XXXX XXXX in my area

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 recently received a report on the disturbing trend of large U.S. banks most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, members of Congress are demanding answers and accountability. 

Sen. XXXX XXXX ( R-LA ) led the way with a XX/XX/2018 letter to XXXX CEO XXXX XXXX. XXXX expressed significant concerns about the banks new policies and asked to be provided with the specific number of entities in Louisiana which stand to lose banking services as a result of [ Citigroups ] increased scrutiny on law-abiding businesses. He pointedly reminded the bank, It feels like yesterday when XXXX received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk, a move XXXX called, the largest government bailout in American history. XXXX encouraged XXXX to be a good corporate citizen by refocusing on business decisions, including addressing apparent shortcomings like overcharging credit card interest rates to account holders and compliance with U.S. anti-money laundering laws.

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 2021-03-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified of a remaining charge on my account that could be disputed and am now being charged {$3700.00}. A letter was never received, and I was not called or emailed by Comenity Bank XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

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 2021-01-27
Company: EQUIFAX, 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 submitted a complaint against XXXX  on the CFPB Website on XX/XX/XXXX The Response I received from Equifax did not address my issue. I expect that a human review this complaint and the account with care and do not send me canned computer generated responses that do not address my issue Equifax has removed a derogatory false account from my credit report twice as I requested by sending proper documentation. Equifax keep putting the account back on my credit without notifying me This is a direct Violation of the Reinsertion Law in the FCRA. Equifax did not address this concern at all. Both times this account was placed back on my report I never received any written notice five days prior. I did not receive any notice at all this is a XXXX  XXXX  account and due to the violation of the FCRA Twice I demand the account be permanently deleted. I will seek attorney representation if this is not handled properly I know the laws in the FCRA this is not fair to me or my credit report I am also putting the complaint in here from the XX/XX/XXXX if I get another canned response that does not answer my complaint I am calling my attorney. I hope my time will not be wasted this time.The Original Complaint is below : My entire wallet was stolen and I have submitted several FTC Affidavits and also a police report to Equifax for the same account over and over. The Account is XXXX. Equifax Removed the account on XX/XX/XXXX and then added it back. I disputed it again and they removed it again between XXXX XXXX. Equifax keeps taking the account off and then placing it back on. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior of the account being reinserted and I demand that this account be deleted permanently. This is a direct violation of the FCRA and a direct violation of the Reinsertion Law. Equifax has taken the account off several times and keeps taking it off and placing it back on. This effecting my life and emotional wellbeing. Equifax is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them Permanently DELETE THIS unauthorized ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
US Bank has a due date on their card, i made the payment online directly with them. 
I was charged a late fee anyway. I called to contest the fee, I was told because I have had late fees before they can't waive the late fee even though I paid on time. The logic is because you have had problems paying before, when you did pay online on the due date they say that the time of the payment was after XXXX central time. Looking over several months, I see that unbeknowst to me I have been charged late fees anyway. Even when paying on the due date. This cant be correct. No other credit card companies charge the customer late fee for paying on the due date but after some arbitary time. I would like the fee waived. When I requested to speak to someone else, other than the customer service representative, I was cut off.

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 2019-11-04
Company: Radius Global Solutions LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to XXXX XXXX on XXXX of XXXX ; my wife rushed me to the hospital and saved my life. After being on the hospital for 3 days I left the hospital and got billed for the use of the hospital and the ambulance. I was a college student at the time and did not work. I apply for financial forgiveness at the hospital, and a couple of weeks later I got a letter from the hospital stating that 100 % of the bill was forgiven. Now on XXXX of XXXX I get a called from a collection agency attempting to collect this debt. The name of the company is Radius Global Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Rozlin Financial Group, Inc.
State: NY
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 belongs to someone else

Complaint:
My adult daughter purchase some sofas back in XXXX From a company called XXXX XXXX XXXX XXXX  '. She was going through a tough patch and like any mother, I decided to help her by taking one of her bills off her hands. 

She was a single mother with XXXX babies. I called the company and told them to charge my account monthly. they set it up over the phone, every month they took {$180.00} until they final payment on XX/XX/XXXX. 

I thought I was done, but according to the secretary whom I only spoke to on the phone, I was told I had to make 3 more payment of {$180.00} for the buyout of {$560.00}. I paid them and never heard back from them again. Mind you, they have my telephone and work number which has never changed. I never got a letter, ever because like I said, the contract was my daughters who lives at a different address. 

Now 6 years later I get a letter from a Rozlin Financial Group saying I purchased sofas and never made any payments {$1900.00}!! I called to tell them they was some mistake, I didn't know any Rozlin Financial Group, Then they said it was a leasing company and they bought the debt. First they said there was one payment missing in XXXX of XXXX. They side if i could show I made that payment they will delete what was put on my credit, I got my bank records and showed them they charged my card. then they came with another excuse, I realized they were just fishing, anything to get me to fork over more money to these scammers!!! 

The worst part is they are making it seem like I opened and account in XXXX and never paid them. They are lying and saying I owe them {$1900.00} Now! They refuse to send me the original contract with my signature or printout of payment made and who made them. They said they done't have any of that information. Truth is they do not want to submit it because they know that contract was not mine! I don't know how to expose these scammers!!! 

I want to see the original contract with my signature!!!! Attached is what they sent, this is no contract, this is just a piece of paper they generated to say what ever they want!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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:
This collection was paid by 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