BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of 2021 I received notice that my credit score had decreased. I investigated and found out that the company I was leasing my car from had sent a final bill to an address that I hadn't lived at in a decade. Because of that, the bill was not paid and was sent to collections. 

Upon learning that this happened, I called the company and paid the outstanding fee immediately. However, the damage had been done and my credit score dropped XXXX XXXX. 

In the 18 months since that has happened, this mark is still not off my credit report and is now causing me to have to pay a high fee for my next car because I am being approved at tier 2, not tier 1. 

I have not missed a payment on anything else and my credit report will show that. I immediately paid the fee upon learning of it, and yet my credit score has only minimally rebounded. 

This is causing me money, this is causing me stress, and this is something that should have been resolved 18 months ago when the fee was paid. 

I am livid that this hasn't been resolved yet and I will fight tooth and nail until it is. 

My credit history is spotless outside of this one instance, which again, was initiated by the car company sending a bill to an address I hadn't lived at in 10 years, and will continue to be so. 

I have filed claims with my credit reporting company, with the car company, with CFPB, and left reviews on XXXX  I am looking for a resolution to this punitive experience and will not stop until I find 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 2022-10-11
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, 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:
These collection and closed accounts are fraudulent and there are hard inquiries that should not be on my credit and are to be deleted, customer service is not responding. Please delete. Please see police report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchase by PRMG from another company. My XXXX. payment was cashed by the original mortgage company. PRMG keeps saving I am late on my payments even after I have called, emailed and U.S mail all the cashed checks proving that I have paid every month. It has been going on since XX/XX/2020 and I can not get them to correct it in their system. They keep saying I owe them money even after I have provided proof. They have given me late fees and reported it to the credit agencies. If they are treating someone who pays every month like this, I can only image how they are treating customers who are struggling financially in our current climate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/ I filed a complainant through the portal after trying to resolve this on my own an they have yet to provide me with the info I ask to show proof I gave anyone of these companies or them written or verbal consent to share my alleged private trans actions and we are past the 30 time frame the law allows them to do reinventions. The first complaint number is XXXX to reference. Its 47 days later no response of proof of what I requested.

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 2016-04-18
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband died. The property was offered a trial modification and I sent in payments since I live in the home and want to keep the property. My name is listed on the deed and the security instrument. I also believe my name is listed on the mortgage note. I just want to keep the property and assume the mortgage. I have lived here for over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to my XXXX for XXXX XXXX  and my XXXX  uses his own testing company to perform a XXXX XXXX. The private testing company used another third party ( XXXX XXXX ) to perform tests on my XXXX  and XXXX XXXX  is charging me for the test. I never gave permission to XXXX XXXX to perform any test on me. This is a violation of my HIPPA rights. My XXXX  results are my personal XXXX  records. My personal XXXX records are my private personal information.

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 2023-02-02
Company: EQUIFAX, INC.
State: GA
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:
The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
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: Information belongs to someone else

Complaint:
On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an XXXX  Data Breach. I demand to Delete those accounts or I will file litigation.

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 2020-07-12
Company: Square Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Im using cash app which is run by square inc . The account was locked because of a transfer to myself an account to account transaction. Its been locked since XX/XX/XXXX I believe I completed every step required all for no reply. The support means of contact was placed to make sure you dont get any help. Its a pandemic my moneys needed for rent, medicine as my XXXXyr old has XXXX and this is all my money in this account. Please help they are not replying and its almost like a major scam check the XXXX  website and did a complaint there. Apparently this is a tactic they use Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Credit report score with data collected by XXXX, Equifax and XXXX XXXX currently is not an accurate representation of my credit practice and behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The purpose of this letter is to address an issue that I am currently experiencing in regard to late payment reporting. I attempted to resolve this matter with customer service to no avail. On XX/XX/XXXX, I received notification from my credit monitoring services that I had a late payment reported by XXXX XXXX. 

Late Reporting Issue On or after XX/XX/XXXX, I requested a XXXX payment deferment granted by a customer service rep at XXXX XXXX XXXX Upon receiving my statement, I noticed that the agreed payment deferral had not been applied to the account, so I made a payment immediately, and it was made before the statement closing date. 

Thereafter, I reached out to XXXX XXXX regarding the deferment, and I was told that I had received the wrong information and that the payment deferment had never been applied. Since then, I have paid my car note every month before the XXXX late period. I made a payment on XX/XX/XXXX, in the amount of {$1600.00} by auto debit from XXXX XXXX. 

My XXXX XXXX statement due date is the XXXX of each month, and this payment was made before the due date. I have attached proof that I was not XXXX days late, and I am requesting an immediate update to all three bureaus.

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 2021-03-03
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had 17 credits on account for refunds owed to be by a merchant. these credits posted to my account between XX/XX/XXXX through XX/XX/XXXX. After the credits were adjusted, I have a credit balance of about {$29000.00}. when i requested my credit balance to be mailed back to me, i was advised all the credits were transferred over to my new account ending in XXXX. However, Citi is now telling me they can not access my account ending in XXXX and that they have no idea where my credit balance is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
CITIBANK CREDIT CARDS HAD AN ORIGINAL LINE OF CREDIT WHICH WAS DECREASED ARBITRARILY, RESULTING IN LOWER FICO SCORE. ( I.E. XXXX CARD {$5000.00} CREDIT LINE - CHARGES OF {$1500.00} - 31 % DEBT RATIO & SCORE OF XXXX. WHEN BALANCE WAS PAID DOWN TO {$1100.00}, CREDIT LINE WAS DECREASED TO {$1300.00} - CREATING A DEBT RATIO OF 91 % XXXX XXXX CARD - ORIGINAL CREDIT LINE AT {$2000.00} WITH CHARGES OF {$600.00} 30 % DEBT RATIO - THEN DECREASED CREDIT LINE TO {$500.00} INDICATING BALANCE OVER CREDIT LIMIT! MY FICO SCORE HAS DROPPED TO XXXX! ALL PAYMENTS HAVE BEEN MADE ON TIME, SOMETIMES EARLY, AND FOR MORE THAN THE MINIMUM AMOUNT. IS THIS HOW PEOPLE WHO PAY BILLS ON TIME EVERY MONTH ARE TREATED? HOW CAN ANYONE COUNT ON ACCURATE CREDIT SCORING WHEN CITIBANK IS USING UNETHICAL PRACTICES?!?!?

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 2022-08-10
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivables Management Partners , LLC ( " RMP '' ) is in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ). RMP is attempting to collect on an alleged debt that was not authorized by the original agreement. ( see 15 USC 1692f ( 1 ) ) On XX/XX/2022 I filed a complaint on with the CFPB regarding an RMP collections account partial account # XXXX ( Account ) with a balance of {$490.00}. ( See ex. A ) The complaint was filed against XXXX as I wanted this off my credit report. 

XXXX responded to my complaint on XX/XX/2022. In the response they stated Regarding one disputed item, at your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account. 

There is no way that RMP could have verified the alleged debt. I have no contract with RMP nor have they ever provided me with an agreement that explicitly gives them the authority to collect. So how could the information be verified? 

RMP has violated my right to privacy, the FDCPA and committed fraud. They are also participating in racketeering activity. These crimes and violations are serious offenses ; some which are punishable by up to {$500000.00} in fines and 20 years imprisonment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: COAST PROFESSIONAL INC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019, I contacted Coast Professional , Inc. and asked to verify the completion date for Loan Rehabilitation Program. Cost Representative stated, " Your loan will be considered rehabilitated in XX/XX/2019 ( i.e., ninth on time payment ) ''. However, I was told to resubmit financial data to re-certify payment amount. Coast Professional received my Package on XXXX XX/XX/2019 and increased my payment from XXXX to XXXX per month. I was not given the opportunity to appeal this process nor was I given an exact date, which the new amount would be in effect. I continued paying my loan at the XXXX amount, until payment data was updated via Department of Education website ( www.myeddebt.ed.gov ).  This occurred in XX/XX/2019, albeit Coast Professional , Inc. did not notify me in writing of required payment increase due date. In 2019 alone, I have successfully submitted ten on time payments and forfeited XXXX of Tax refunds via Treasury Offset Program. Despite this stellar accomplishment, coast Professional, Inc. Representatives refuses to transfer my Loan out of Default status. Coast Professional , Inc. is a  Government Contractor and collects a monthly fee for every loan in their portfolio. Hence, it is profitable for Coast to maintain a grip on XXXX XXXX student loan debt.

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: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX** , XXXX XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX  Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 instruction.

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 2020-07-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my account got restricted and without giving me a reason. since i couldn't get access to my money on XX/XX/XXXX I told them to close my account. The account is still restricted I've been calling the bank and sending them messages and no one does anything it's been a month and 2 weeks and all they tell me is that they are investigating and that they will get back to me when they are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On the process of transferring this account, I asked you on where I should send my payment for XX/XX/2019 and you told me to wait until the process is done and now you are reporting me with 30 days late on XX/XX/2019. This is unacceptable! Also, This account is transferred/sold. There should be no late payments on this account. 
I believe that I had made my payments to you when I received my statements. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2019-10-25
Company: Reliant Capital Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid all money owed to XXXX XXXX College on time. They lost checks and charged additional late fees and held my transcripts until I paid. I ended up overpaying them {$100.00} because of their accounting error and when notified they sent me a check for {$100.00}. In early XXXX I received a notice from Reliant Capital Solutions that I was sent to collections for {$100.00}. I sent Reliant Capital Solutions all the supporting payment documents showing all debt was paid and saying not to contact me further. I received another letter XX/XX/XXXX with an incorrect ledger card with a {$100.00} balance. 

Here are a list of my payments on original debt of {$830.00} : XXXX {$100.00} XX/XX/XXXX {$200.00} XXXX {$100.00} XXXX {$100.00} XXXX {$430.00} for a total of {$930.00}. A refund was issued by XXXX XXXX College for the over payment of {$100.00} but they have still sent me to collections. The attached ledger card is from XXXX XXXX College shows the over payment. This is not the same ledger card the debt collector has sent which is also attached.

Company response to consumer: Closed with non-monetary relief