BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While looking at my credit reports I have noticed the following account has discrepancy in the " payment history '' section of the listing : Credit Acceptance XXXX The charged off account is reporting payment history each month when it should since the account has been charged off. This is falsely manipulating the statute of limitations which is FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : CREDIT ACCEPTANCE XXXX When the requested above deletions are made, please mail me an updated copy of 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 2023-02-16
Company: Consumer Portfolio Services, Inc.
State: TX
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery is attempting to collect a credit card debt from a card that I used to have. The company is very aggressive with calling tactics. I have asked them before not to contact me by phone. For the last year I have received numerous phone calls throughout each day except for weekends. The phone numbers come up as an Iowa phone number but it is not always the same number. I do not believe that they are a scammer at all as they have contacted me via the mail. I've tried disputing the collection through credit karma two different times. Both times unsuccessful as the debt is valid. However I have not signed any contracts with portfolio recovery nor have I agreed to pay anything to them. That is because they are not my original creditor and I feel that I owe them nothing. I only owe XXXX XXXX as I had a contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
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 have disputed with the credit bureaus that inaccurate information reporting on my credit report. I have not heard anything regarding the status of the investigation from the credit bureaus. There is inaccurate reporting on my credit report from the same creditor and I'm unsure why there will be so much inaccuracy from the same creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXXXXXX XXXX attempted to collect a debt for rent on behalf of XXXX XXXX XXXX beginning in XXXX XXXX. My auntie, who is now deceased, was a resident until the day she passed but I wasnt on the lease nor did I reside in the unit. After I noticed this I did a dispute on XXXX XXXX but was unsuccessful after XXXX investigated so I decided to reach out to Rent Recovery to see what documentation they had. My client representative ( XXXX ) explained all they had was a move out request and she was sending it to the investigation department. I asked to see the documentation but she told me she had to put in a request to email me. I called back to check the status of my request and she told me she couldnt send me anything. I hung up and called back and spoke with a different representative that hung up in my face after I gave her my last four of my social. I also requested to speak with a supervisor. I called back and asked another representative and she sent me to a managers voicemail. I then decided to email both rent recovery and XXXX XXXX  requesting to see the documents. I was never sent any letters about this collection nor did I receive calls prior to me calling. They closed the case yesterday however the negligence has caused me to miss out on a home I really needed for my XXXX XXXX daughter. I have to be out of my place by the XXXX XXXX XXXX but rent recovery says it can take XXXX days for something to be removed. I will be homeless if I cant apply for a place in my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2020-01-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My wife and I opened a joint checking account on XX/XX/XXXX with our gift money from our recent wedding. The personal banker said that my wife was eligible for the current promotion since she was a new customer ( XXXX, Offer 1 Get a {$400.00} bonus for completing the following activities with your new checking account in the first 150 days, Offer 2 Get a {$200.00} bonus for opening a Platinum Money Market account, depositing at least $ XXX in new money and keeping it for 90 days, Offer 3 Get an additional {$100.00} bonus when you complete the requirements for Offers 1 and 2 ). 

We asked if opening a joint account would still qualify, since I was a current account holder. The banker said that she would still qualify for the promotion, so we deposited all of our savings with XXXX. He asked us if we would like to open a credit card, which would provide an additional incentive. We declined, and he light-heartedly told a coworker that he was giving us {$700.00}, and he tried to give us more ( with the credit card offer ), but we didnt want it. I believe he acted in good faith and sincerely thought that we met the eligibility requirements. 

We lived paycheck to paycheck for several months to keep enough money in the money market account, signed up to directly deposit our paychecks in the checking account, enrolled in online banking, and began paying bills online in order to meet the requirements of the promotions. After meeting the requirements for Offer # 2, we received the {$200.00} promotion. 

However, after meeting the requirements for Offer # 1 and Offer # 3, we did not receive the {$500.00} bonuses. I sent an email through the online banking system on XX/XX/XXXX requesting a status and did not receive a response. I called customer service four times, and after the fourth call, they said that my wife was not eligible for the promotion, because the account was a joint account with an existing account holder. I explained what the personal banker told us, and customer service said that we could talk with the banker at the branch, and he could override the error. When I went to the branch, the personal banker had been transferred to another branch. One of the other bankers gave me his phone number, and I left a message for him and was ignored. 

I would like your help in remedying a situation where a personal banker made a promise that the corporate headquarters is refusing to honor. Because the banker was not knowledgeable about a promotions terms is not a reason to punish a customer. This is an unethical practice and a form of deception.

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 2023-10-10
Company: OneMain Finance Corporation
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didnt authorize any or these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Finance/Personal ( XXXX ) XXXX ONEMAIN FINANCIAL Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE MY HOME MORTGAGE FINANCED WITH XXXX MORTGAGE, NON ESCROW ACCOUNT. I WAS PAYING MY TAXES EVERY YEAR PLUS MY HOME INSURANCE. 4 MONTHS AGO I FOUND OUT PHH MORTGAGE BOUGHT OUT MY LOAN. MY MONTHLY PAYMNET WITH XXXX MORTGAGE WAS {$1000.00}. PHH MORTGAGE CHANGED MY PAYMENTS TO {$2200.00} AND ADDED ESCROW WITHOUT INFORMING ME EVEN THE TAXES & HOME INSURANCE BEEN PAID MY ME LAST YEAR, EVEN THIS YEAR. MY LOAN NUMBER IS XXXX. I CALLED PHH MORTGAGE SEVERAL TIMES AND BEEN TALKING TO THEM ALMOST 3 MONTHS NOW BUT NOTHING HAS BEEN FIXED. I NEED SERIOUS HELP. IF NOT FIXED I AM GON NA GO LEGAL WAY AND SUE THEM. 
ATTACHED IS THE COPY OF TAXES PAID LAST YEAR AND THIS YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Credit Karma, LLC
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: Account status incorrect

Complaint:
Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXX that person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was told about a checking account that I did not open for XXXX to XXXX I believe no action was taken cause I did not know about this account but did receive a letter about a XXXX XXXX check that I didn't receive.

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 2023-10-10
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spoken to your company and stated it was not my debt. I did have XXXX XXXX  and that has been resolved and the equipment has been returned. I owe XXXX XXXX nothing. I have NEVER had phone service or anything else from them. Please STOP this trying to collect money from me that I do not owe and do not allow this to become part of my credit report. 

Thank You, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Credit Card Receivables Fund Incorporated
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent Unifund a letter for VALIDATION of said debt they are reporting on my credit report. The company responds on XXXX XXXX with a verification of debt by some copies of old bills. Upon further research, this by law is not a valid way to validate a debt with the way technology has advanced and anyone could be getting these bills via electronic bills and not paper. So I again sent a letter to Unifund on XX/XX/2019 highlighting I am asking for a VALIDATION of debt, not a verfication. They again sent the same information on XXXX XXXX as the first time which I will enclose on this complaint. 

I have a right to ask for validation of said debt pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. 

I am asking now you to help me either obtain this validation to said debt or the immediate removal of this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only one hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are two hard inquiries on XXXX credit report and one hard inquiry on my XXXX credit report. There should only be one hard inquiry on my credit report. I am therefore asking Hyundai Finance and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be one hard inquiry on my credit report.

I authorize the sales agent to do one hard pull on my credit report not three hard pulls.

So, two of the hard pulls down on my credit report was not authorized by me and I want them removed 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 explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-16
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Genisis FS Card Services Milestone Credit Card Application approved XX/XX/2021 Card to be received in 14 business days. 
Card not received. 
Called company. 
Card never issued. 
Recalled company. 
Card in processing. 
Called company today card mailed XX/XX/2021. 
Still no card. 
Statement received 2 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: ONEMAIN FINANCE CORPORATION
State: ND
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:
On XX/XX/2019, I received a letter from XXXX marked Confirmation # XXXX about a complaint I had filed with them concerning two hard inquiries on my report from XXXX XXXX, which they claim was reported to them as accurate, and that they had investigated to make sure these inquiries were indeed factual. On XX/XX/2019, I received a letter from XXXX XXXX about my questions about their inquiries to my credit report, and they state that the inquiries were not made by XXXX XXXX on the dates of the report. I feel this is a breech of service by XXXX, and this is a negligent act on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA is holding me accountable for 2 accounts that belong to my parents. One account that was open on XX/XX/2013 for {$300.00} and XX/XX/2013 for  {$5000.00}. I was only XXXX at the time my parents open the accounts. My mom has called and complained about these accounts being on my credit reports. But USAA has done nothing to remove them. We filled a dispute, but the investigation with my XX/XX/XXXX report has been under investigation for 2 years and they still have not updated it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). XXXX XXXX has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( Experian, XXXX XXXX, and XXXX XXXX frequently. I contacted XXXX XXXX by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education XXXX XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted XXXX XXXX verbally and they explained that it is discharged and they will remove it from the XXXX credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with XXXX XXXX that they received my letter each time. I have tried to dispute and XXXX XXXX still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with XXXX XXXX and I have no negative history. I am requesting that this be removed from Experian, XXXX, and 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