BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: Mar Joe Enterprises
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: KY
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:
I have contacted the major credit reporting agencies multiple times regarding fraudulent and inaccurate information listed on my credit report. The inaccuracies remain on my report even after I have supplied proof that the items 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 2021-02-22
Company: Bread Financial Holdings, Inc.
State: TX
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:
I set up automatic bank payments through my bank, and paid two weeks early for the XXXX payment. Rather than credit the month of XXXX, the credit card company credited both payments to XXXX, then called me and said I was late making the XXXX payment. They refused to credit the {$180.00} ( which is well over the minimum amount due ) and said I would need to send them another whole payment for XXXX. I was upset, to put it mildly. The long and the short of it, rather than credit my payment for XXXX, I had to ask them to refund the payment to me and now I will have to send them another payment ( ridiculous ) and have my account show a late payment. They did not tell me that if I paid early my payment would only be credited in the month paid. I want this company censured for their lack of financial astuteness and failure to be consumer friendly. 
This is Comenity Bank credit card XXXX XXXX, Texas Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$3500.00} XXXX XXXX {$1000.00}

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 explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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:
I am a victim of identity theft. I have tried disputing claims with Equifax and XXXX  to no avail. My personal information was taken from the 2017 Equifax breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LENDING CLUB CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and XXXX  by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Bread Financial Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Back in XX/XX/2017 I went online to purchase a washing machine through XXXX XXXX for XXXX, however, I entered information wrong and contacted the store and they cancelled that order issued a refund and I re-ordered the machine for the same XXXX. Upon looking at my statement I realized that Pay Pal never took the second amount of XXXX off even though on my statement it clearly states XXXX XXXX refund XXXX. Instead they took that amount and applied it to other purchases I made on my account, leaving me with nearly XXXX still owed. I made a partial payment on the second amount, leaving a balance of XXXX, and when I questioned them about why they did not give a credit for the XXXX they said they used the money on other purchases and that they did not know the XXXX was a credit since XXXX XXXX never stated it was a refund. Clearly they are lying and I have proof it says " refund XXXX XXXX '' on my statement. They took my money did whatever they wanted with it and now I want them to cancel the XXXX still owing and give back my XXXX store credit!!! They do this a lot and I am tired of being used and lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: EQUIFAX, INC.
State: MA
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 ACCOUNTS LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVELY REPORTING ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY FILE. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS UNTIL I RECENTLY VIEWED MY CREDIT FILE. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: WELLS FARGO & COMPANY
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:
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

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 2021-07-06
Company: POPULAR BANK
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and stXXXXessed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.

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 2021-05-22
Company: Bread Financial Holdings, Inc.
State: SC
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  or CCB/comenity bank has been moving late payments around on my credit report for years and have been doing this fraudulently and reporting false information! Ive reached out to them constantly dispute after dispute and no one responds within the 30-45 day time frame. These late payments need to be removed because they are FALSE REPORTING!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/XXXX & XX/XX/XXXX and I was never late. I have had several accounts with them for a very long time, this particular mortgage I had called to set up on auto draft back in XX/XX/XXXX along with my other mortgage with these guys that I pay for my ex wife XXXX. 
I set up both accounts on auto draft over the phone with your representative. I didn't get a notice from these guys until later that I had a past due amount and that I was late, even though I had already been in contact with you guys & set this up.. Then I set it up again with you guys over the phone. I never ONE TIME in my life have got a late payment on any account. So the representative set up my one account on auto draft but the one for my house I live in didn't go through or get set up, but not due to my error. Please remove the lates off of my credit file as this wasn't my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: PA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Early Warning Services, LLC
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 information incorrect

Complaint:
This company has a bunch of misleading information about my credit for other Banks and needs to be deleted from my report did not give them permission to store my information on their system they need to delete the fraudulent items immediately I called them up many times with no answer I talk to one person there who was very rude and belligerent and abrasive these people are causing me not to have a bank account and causing me financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CrossCountry Mortgage LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company is blatantly violating the advertising rules that are set forth in regulation Z. It is very unfortunate that the regulators have clamped down on all of the other lenders in the area and have written them up for violations but yet companies like this that are regulated by the CFPB are allowed to do this and willfully deceive customers based on rates that are offered and not show APR.It is an absolute travesty that they are allowed to pray on lower income borrowers showing an FHA loan product that do not even have the required disclosures. I have loan officers that half to abide by the rules and are subject to disciplinary action at our company but yet companies like these ruin reputations of mortgage lenders. It is apparent that the compliance management system of this company does not matter at all. I wish they were regulated by the FDIC or Federal Reserve so we could get more ground on this. This is an unfair practice and a willful violation. The compliance culture at this organization should be question since we all have to abide by the rules. Not to mention that the information that they are provided for at least two of the lenders is not accurate and willfully misrepresent. them. There are no disclosures on here to compare products and deceives the potential customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Webcollex, LLC
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
discover did a hard inquiry on my report when i applied to preapproved offer which was preapproved hardest preapproval i ever had

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Affirm Holdings, Inc
State: OH
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 checked my XXXX credit report and noticed that a account was opened under my name which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I became default with a loan I received through Cash Store payday loans. When in default I also was in the process of modifying my current chapter XXXX  bankruptcy. In doing so, I provided the company with the information to contact my lawyer and the bankruptcy number. Never heard from the company for over a year. Then, a collection agency called and mailed me a letter and basically stated that I needed to pay them in full and would not make arrangements other than the debt amount to be paid in full. I informed them that I could not make such payments and asked if they had contacted my lawyer regarding the bankruptcy. Again no further contact from them until they transferred the account ( I assume ) to another collection agency. This collection agency was so rude, yelled at me over the phone, called my references and had them so upset and disclosed so much personal information about me it was ridiculous. Recently someone left a message stating that they was taking the matter to civil court and provided me with a case number for XXXX county. Again, I asked them to send me information in the mail so that I can properly addressed the matter. I was informed that they will not send me any information and that I will just need to wait to hear from my county regarding the civil case. How is it that these collection agencies will refuse to provide me with any information and that the Cash Store continues to transfer my information to several different agencies? I need help to try to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then

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 2018-04-02
Company: WELLS FARGO & COMPANY
State: FL
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:
3 years ago my ex-wife and I went into a branch at Wells Fargo to remove her from my account and to get her a new account by herself. The banker we met with did not take my wife off my account and then somehow joined my wifes new account with my already existing account. On XX/XX/18 {$300.00} was taken out of my account because my ex-wifes account was over drawn. On XX/XX/18 {$50.00} was also taken out of my account. After finding this out we both went down to the bank to fix this and finally have her removed from my account and to have my money refunded to me. The bank took her off my account but refused to return the money that was taken from my account.

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