BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2018-10-15
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the first week of XX/XX/2018 I received a note that my bank, BankUnited in XXXX, Florida, transferred ownership of my mortgage loan to a different service provider. In the letter I received, I was told that I had 30 days by federal law ( from day of notice of transfer ) during which I could send the original payment to the original bank and they would be obligated to forward it to the new loan holder and without incurring any late fees. BankUnited, however, refused to accept the payment in violation of federal law. I then called their helpline and both the person who answered the phone and supervising manager told me that they were under no federal obligation to receive the check and could also not tell me where to send the payment to. After the call, I researched the aforementioned law and found that BankUnited has in fact ran afoul of the law by refusing to accept my payment during the statutory allowed period. Today is only XX/XX/XXXX, meaning I am still within my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax Is reporting 13 HARD inquiries that where not made by me and are fraudulent. These inquiries where made fraudulently/unauthorized and was not given my consent to do so. Please remove them from all 3 credit bureaus if they are reporting to more than equifax. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion I'm writing you as I have been very ill with XXXX and still not doing so well I'm writing in regards to my info on your site as it shows two accounts from the same company XXXX XXXX, one shows for the amount of XXXX and one for XXXX both accounts shows open but closed at the same time, confusing, yet there is no info on either concerning the matter. 
FYI : I have no open accounts with who ever this is and more importantly according to the new rules and guide lines as I have read about from Washington no account is supposed to stay on a report longer than 4 years. 
I know you're busy and I too trying to stay alive. This needs to be corrected.+

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 2018-02-14
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to Equifax, XXXX, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and

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 2019-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On the XXXX of XXXX I obtain a copy of my Experian report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX XXXX XXXX XXXX Inquiry Date :  XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquire Date : XX/XX/XXXX Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature

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 2019-06-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity Bank has punished me and my family by freezing all my accounts. I can't make any purchases anything. I was having some financial difficulties after I lost my job and instead of this bank understanding my situation they were calling me about 5 to 6 times daily demanding for payment. I got up to the point that they were calling me at XXXX XXXX and late at about XXXX XXXX. I couldn't believe what was happening and they kept apologizing for it and I told them that I do understand why the frequent calls. I also told them that I know they need to collect their money, but calling me on an everyday basis and that frequent wasn't going to help me generate income. I told them to stop calling me so frequent. 
I wrote a letter letting them know that I recently lost my job and that I was looking for work and for them to stop making so many frequent calls because it was psychologically affecting me and my family. I couldn't believe what was going on and because I express how I felt and told them to please have some consideration and as retaliation Comenity Bank ordered his employee to freeze all of my credit lines because I told them to stop calling me so frequent. I have not been able to do any purchases in a period of two months because of their retaliation against me. I want to know if this is ok because I have recently made payments and found employment. Can you please help me recovered my credit lines, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: ENCORE CAPITAL GROUP 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:
Midland credit XXXX XXXX bank is stating that I owe XXXX this information is false XXXXXXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX  is stating that I owed XXXX this information is false

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: STATE FARM BANK, FSB
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has reported fraudulent information in reference to my credit history. State Farm Bank ( credit card ) has myself listed on the credit card as an " authorized user ''. XXXX will not recognize that the authorized user is NOT contractually responsible for the debt. The dispute # 's are as follows:XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: UT
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:
A company XXXX XXXX XXXX XXXX with which I have never transacted has fraudulently posted a collection report on Equifax. I have disputed this with Equifax. However, Equifax failed to remove this posting on my credit report. Since I have never had a relationship with the collections company or the vendor for which the collections company is posting, I am not able to provide any additional information to Equifax on this matter. In contrast, Equifax has failed to provide any additional information on the posting. Further, I am not able to communicate with Equifax with their online platform because they apparently attribute a variety of other credit items to my file that are ( incorrectly ) being used for verification purposes. I received a hard copy of my credit report which did NOT include any of the incorrect verification questions. This suggests that Equifax online data for my file is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, we noticed an {$8100.00} withdrawal from our checking account with First Horizon Bank. Upon further inspection, we saw that a check we had written to the utility company XXXX XXXX XXXX, XXXX, and XXXX ) for {$220.00} was changed to {$8100.00} and the payee changed to XXXX XXXX. This check was originally deposited into a blue USPS mail box at the XXXX Tennessee XXXX XXXX. We immediately notified First Horizon who told us to file a police report with the XXXX Police department. We filed a police report and completed an affidavit at the bank on XX/XX/22. We were told by the bank it could be 3-6 months before we receive our money back. At the end of XXXX, the detective for the XXXX police department informed us that she had completed her investigation and turned the investigation over to the US Postal Inspectors. She stated there were multiple victims and all had received their money back except us. She said she would email her contact at First Horizon to inform them. We called First Horizon to inquire about our funds who told us the investigation is still pending, and that the check was deposited into an ATM at XXXX XXXX XXXX, so they are waiting on XXXX XXXX XXXX to give the money back so they can credit our account. We were also informed that only a branch manager can provide a provisional credit. We called the branch manager who said she will not provide us a provisional credit for this amount. We have been banking with First Horizon for over 50 years and have always had our accounts in good standing. We have filed two complaints with First Horizon XXXX XXXX on XX/XX/22 and XX/XX/22. On XX/XX/22 a First Horizon representative told us that she spoke with security and they said we need to call XXXX XXXX XXXX and ask them to give our money back because XXXX XXXX XXXX  will not speak to a 3rd party. This answer is unacceptable. On XX/XX/22 we received a letter from the DOJ victim notification system informing us that the person responsible for the stolen check has been in XXXX XXXX Custody since XXXX and has a court date in XXXX. The defendant is charged with robbery or burglary- mail, money, or other property of United States and theft or receipt of stolen mail. We again informed the bank on XX/XX/22 to prove to them we are victims. They asked that we send them our victim notification letter as proof. I have asked multiple times to speak with someone in security but never receive a response. Our funds are being withheld from us by our own bank and we have been told its up to us to get our funds back from another bank who we do not have accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX {$1200.00} reporting invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.

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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX XXXXXXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.

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 2018-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On account ending in # XXXX and # XXXX I had unauthorized drafts taken out of my accounts. Bank of America closed these accounts and gave provisional credits. 

I then made a deposit to my new account ending in # XXXX and # XXXX that was from someone who ultimately scammed me for {$800.00}. 

I have had {$530.00} in account # XXXX and {$98.00} in account # XXXX that has been withheld from me since XX/XX/XXXX with promises that I could go get my funds in the branch. 

I have spent a minimum of 23 hours on the phone with Bank of America and have made 4 trips into the branch. 

I no longer want to do business with a bank that doesn't have my best interest. 

Accounts affected : Ending in # XXXX balance {$530.00} # XXXX balance {$98.00} Claim accounts ending in # 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 2018-04-17
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2018 I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. 
I had to drive from XXXX New York to XXXX New Jersey to get jerked. 
I gave them my XXXX and {$13000.00} plus came back a second time just to personally deliver the title for my XXXX and still havent received anything that I was promised. 
I was told I was going to receive a check for my first months payment an extra key for my vehicle two new back tire so I can pass inspection and my tile for the vehicle I am financing so I can register it. 
I spoke to two sales person in person XXXX ( manager ) and XXXX. And when I call I get the runaround from the secretary XXXX and the business manager XXXX. I call every day to their DMV department and speak to XXXX which is the manager and XXXX. I shouldnt have been so stupid in the beginning but I am waiting For about a month for title that isnt being sent over basically Im paying for someone elses car. Temporary plate is expired so I cant even drive the car By the way Im XXXX so I had to switch my hair control and pay for them out of my pocket {$800.00} and I have a document for everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Source Receivables Management LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX keeps switching creditors and adding an incorrect debt to my credit reporting. Its resulted in dropped scores and denied financing. When I attempt to resolve, its taken off my report for approximately 15 days or so and then readdressed to a different collection agency. Ive requested a 609 letter info and have yet to receive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX SENDING MY DRIVER LICNESE AND SOCIAL SECURITY FOR THIS COMPLIANT. 


my information was misused and now i have some fraudulent accounts on my report. 


PLEASE SEE ATTACH DOCUMENTS

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: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased this home in 1997 at XXXX per month how come I still owe on it is what Im wondering Im already out XXXX dollars and they still say I owe XXXX.. idk what to do about this even with an 11 percent interest rate it should have been paid off by now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft for many years and two collections were placed under my credit report from Capio Partners LLC, I have try many times to tell this company and their subscriber that, that account does not belong to me and I'm not getting no response from them. I have contacted all credit bureaus and dispute these collections. I truly need help with this company informing them that these account are from Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged an {$8.00} dollar service fee by Regions Bank since XX/XX/2015 when I opened my account. I have made regular weekly deposits between 500-750 dollars, which should be sufficient enough to avoid a fee.

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 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Good afternoon, Capital One account ending in XXXX {$1800.00} Registered Securities were sent and account paid in full. 

15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Harvard Collections, LLC
State: AL
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 got an alert from XXXX  that HARVARD COLLECTIONS added a delinquent account to my credit report. There has been NO communication from this company regarding any debt that belongs to me. I have no dealings with ILLINOIS DEPARTMENT OF HEALTH SERVICES. I dont even live in ILLINOIS. This has negatively impacted my credit score by large numbers and changed my rating and they need to resolve this immediately. This is fraudulent activity!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have apply for XXXXXXXX XXXX XXXX for a XXXX, have been paying more than the minimum payment every month, without any late payments. Without any notification I was charged for the full interest rate on the card on XX/XX/20 in the amount of {$3200.00}, interest rate was charged at once NOT on the balance ( {$5900.00} ) but on the total charge when applied for it {$11000.00}. I try to call to negotiate the charge, to explain that I did not receive notification that I was going to be charged for all the interest rate at once. They did not offer any agreement to reduce or remove the interest charge. This credit card is misleading the customers and it is a completely ripoff. My balance on the card went from {$5900.00} to {$9400.00} without notice that the full interest rate was going to be charged at once on the initial charge, not on the balance.

Company response to consumer: Closed with explanation