BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Rent Recovery Solutions
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Rent Recovery Solutions after receiving an alert of a collection attached to my social security number on my credit report. After learning that this was an account for 1 ) a lease that I never signed for residency 2 ) City and State were I have never resided 3 ) attached to a name that is not me. After the representative become combative, I decide to write a letter to this company, Rent Recovery Solutions that I have absolutely no dealings with, nor the client that they are representing, XXXX at XXXX. Rent Recovery Solutions stated that they purchased the debt from XXXX at XXXX and that the debt belongs to XXXX XXXX. I received an ineffective response in writing from Rent Recovery Solutions. I'm extremely perplexed as to how a debt belonging to another person whom I do not know is on my personal credit file and social security number. When I requested the contract/lease, any supporting documentation for this action, my request was not honored. I would like to receive assistance prior to filing a complaint with the circuit court for the Common Wealth of Virginia for this matter. I'm extremely upset about this and I will not allow this company cause this harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Experian Information Solutions Inc.
State: UT
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:
The credit bureaus have yet to provide me with any results to the disputes I have sent to them multiple times! I've been keeping an eye out on the mail for any responses and have yet to receive any correspondence or results!! I don't understand how they can just ignore disputes and report inaccurate items. I understand with the pandemic there is a delay but it can't possibly be over 4 months long. Under the law they are supposed to be providing results. They need to remove the inaccurate items off my credit 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 2022-10-15
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022

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 2022-10-15
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: Information belongs to someone else

Complaint:
I received an alert from the credit monitoring company that lowered my credit score. The alert was from a collection agency stating that I owed {$1500.00} to XXXX. I do not have nor have I had a XXXX account. The collection agency is XXXX XXXX XXXXXXXX at XXXX. They are located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I tried to call them to resolve the issue but my call was never answered. Since then, I contacted my credit monitoring company to report the incident. They suggested that I file a thief ID affidavit form.

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 2019-03-07
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 I scheduled a payment request for the total balance of my Gap Visa credit card ( managed by Synchrony Bank ). I had taken an early withdrawal of my retirement funds to pay off all of my high interest outstanding debt. I had scheduled the payment of {$10000.00} to process on XX/XX/2019 to allow time for the funds to hit my bank account. When the funds were deposited a day earlier than expected, I tried to edit the payment so that it would process immediately. Their website did not allow any changes, so I cancelled the scheduled payment and then resubmitted a request to process immediately. The confirmation number for this cancellation was XXXX. The payment was processed on XXXX, which brought my balance to XXXX. However, the next day, XX/XX/XXXX, they still processed the cancelled payment, withdrawing an additional {$10000.00} from my account ( which required the bank to dip into my savings to avoid an overdraft ). When I called to report the error, they informed me that the soonest they could refund the amount of the overpayment was XX/XX/XXXX and they could only do it by paper check. I have since spoken to two supervisors and they both stand by that policy, even though they have no problem withdrawing my funds immediately through ACH. Given the slow pace of the mail, that means I will be nearly {$11000.00} poorer for almost 3 weeks, AND I run the risk of these funds being stolen or lost in the mail because of their policy of only distributing refunds via paper check. The only reason I even had that much money was because I made the difficult decision to pay tax penalties and early withdrawal penalties in order to eliminate my high-interest debt. I am not a wealthy person, and I can't really afford to wait 3 weeks to get my money back, though it appears that I will have to find a way to make that work somehow. There are a variety of problems with their policy that I do not think are fair or ethical, and they probably should not be legal. Why did they accept a 5-figure payment on an account with a XXXX balance? How is that they can take my money immediately, but can not return it in the same manner? Why is it that I have to pay penalties and interest if I fail to pay them back in a timely manner, but they can just keep my money as long as they want and I have to just bite the bullet and take it? I did also try to see if my bank ( XXXX XXXX XXXX XXXX ) could do something to address the issue, but they could not get the funds back once they had been transmitted to Synchrony.

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 2023-06-07
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:
15 U.SC. 1681 SECTION 602 A. States I have right to privacy 15 U.S.C 1681 SECTION A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Without The prior consent of the consumer given direclty to the debt collector or the express permission of a count of competent jursidiction, a debt collector may not commincate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector continues to collect debt that is not mines from over 7 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have asked for proof of validation from Experian XXXX and XXXX the debt is account number XXXX XXXX XXXX XXXX. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA

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 2018-02-27
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical debt in the total of XXXX was attempted by another collection XXXX XXXX XXXX, I have brought this up to the credit bureau and have a letter from XXXX stating this was removed and would not return back on XX/XX/2017. This debt has already been removed from my credit and now has been somehow sold to another company Transworld systems. I do not want to go back through the process of taking this back to the credit bureau. Please remove as it should have been removed permanently. If need be I can provide the letter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX VIA EXPERIAN, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files byXX/XX/2017. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on Experian but 120 Days Late and open on XXXX XXXX This account is not FCRA compliant and should be deleted immediately.

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 2018-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I notified XXXX XXXX XXXX : regular tod that my Father has passed away so I contacted them to close the account and send me the check since I am the sole beneficiary to this account, I was told by XXXX XXXX XXXX that I would have to send them the death certificate a long with notarized statement claiming that I am his Daughter and that I am the sole beneficiary to this account, so I did and I also requested that once the death certificate was scanned to return it to me, that was on XX/XX/XXXX so when I called again to check on the returning of the certificate on XX/XX/2018 they told me they sent it back so when I asked what address did they send it to it  was an address that I am not familiar with, so I stated I wanted to speak to a supervisor and I wanted to know how is it possible with all of the hurdles that they having me to jump thru to close this account, that a Major Bank can send my Fathers and my personal confidential information to someone that is not associated with me at all. They have violated not only my privacy as well as my Father so explain to me how you plan on correct this violation of privacy act, and I want to be compensated for any occurrences that have happen and in the future, with the threats and hacking my private information has been sent to a stranger and who's to say what could happen because of it, I also want to be reimbursed for the lost certificate I have to pay XXXX for each one I have to order.

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 2021-06-29
Company: EQUIFAX, 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 is incorrect

Complaint:
Sent letter out XX/XX/2021 no response was given by the company to remove incorrect information on account or to valid date the collections on my credit report. It has been 26 days and still no response and I gave them up to 30 days to respond with validation and to remove the incorrect personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed XXXX XXXX Bankruptcy with said company and in response they verified the item as accurate stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in a request to close the escrow account for taxes and insurance a year after the loan closed. The servicer Home Point Financial denied the request on XX/XX/19 stating there was a 2 year waiting period. I escalated via their call center and on XX/XX/19 spoke to a supervisor who claimed that I had agreed to maintain escrow for 2 years in the closing documents. I disagreed and challenged him to provide evidence that I had agreed to 2 years. They came back with a clause from the promissory note saying I agreed to be bound by the lender 's policies and procedures, which were not defined or disclosed anywhere in the documents. He claims this constitutes my agreement to be bound by the 2 year policy or any other policy they could define at any time. 

The broker whose advice I relied upon as the lender 's agent told me I could remove the escrow account at any time after 6 months. 

I do not believe this loan servicer should be legally allowed to make up whatever terms they want and treat me as being contractually bound by that when I did not agree to those terms. I would never have knowingly agreed to take on a mortgage with no rights to cancel the escrow account. 

Furthermore, Home Point stated that they would not accept a payment of principal and interest and apply the payment per my instructions, but would simply not apply the payment and treat it as if it had not been received, even if I pay the property taxes and insurance premiums myself outside of escrow. In other words, they are making it impossible to pay my principal and interest unless I also deposit to escrow against my will. 

This is abusive behavior and that is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
Summary : My credit card Citi XXXX XXXX has authorized XXXX to charge me for a service/product that I did not authorize, and that XXXX did not provide, and will not provide. 

Details : Several years ago I set up a placeholder website with XXXX, using their domain registration and hosting. 

Their domain system failed to renew the domain in XXXX of XXXX, meaning the hosting was not useful to me. 

XXXX attempted to process the payment on XX/XX/XXXX and it failed, as it SHOULD HAVE because there was no valid card associated with that account. 

Later, when looking at my credit card statements, it became clear that XXXX had associated a credit card/payment method, Citi Double XXXX XXXX XXXX with that subscription and charged it *without my authorization*. 

I contacted my credit card provider Citi XXXX XXXX XXXX to notify them that this was not an authorized charge. I filed a dispute, but given the retardedly over simple method of their mobile application, with only a handful of multiple choice options, I was unable to clarify the problem fully. 

They decided with XXXX  that the charge would be honored. 

XXXX collected {$220.00} for an annual hosting plan. 

XXXX was NOT authorized for that purchase. 

They will not provide or honor that hosting plan. I was charged for a product I did NOT authorize, and did NOT receive. 

This is unjust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt : XXXX Date Posted : XX/XX/ Illegally submitted medical bill on credit and did not send a bill for payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
They have revered a dispute with taking an amount twice and have approved it to be back into my account and its been two weeks and my account has over drawn they have changed my claims where I cant receive my temporary credit until the investigation is happening this against all banking regulations and police and I feel discriminated

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