BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-09
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Attn : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the lease. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2019, I completed a balance transfer online from a XXXX XXXX  credit card account to an HSBC credit card account. I contacted HSBC twice because the transfer has not been completed after over two weeks even though the balance of the transfer shows up on my new HSBC account. In the mean time, I am still paying interest on the XXXX XXXX   account. A transfer like this should not take this long. I don't think HSBC is making an effort to complete this transaction. I need help getting HSBC to do what they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
2019/XXXX/XXXX  Received letter dated 2019/XXXX/XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1.  WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have actually called numerous times to REMOVE, not add. 
2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names and phone numbers that I can reach directly.

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 2018-01-30
Company: EQUIFAX, INC.
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  and equifax keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by Diversified Consultants, Inc. concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by DCI that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from DCI when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX. XXXX, XXXX XXXX XXXX  On XX/XX/XXXX, i called DCI about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Wells Fargo, and there were charges made to my account which I did not authorize. I initiated a claim ( claim number XXXX. ) The bank reversed the unauthorized charges, and I gave them a copy of my identity theft report filed with my local police department. I believe that I knew the individual who was using my card and information, I believed it to be my Ex Fiancee. 

The claim was handled, and the money was returned to me. Upon further investigation of my account, I found more charges that I had to dispute. Wells Fargo Claims Assistance Center added these newly found charges to the same claim number ( # XXXX ). I never received the money back from these fraudulent charges. 

I was contacted by Wells Fargo High Dollar claim department, and was asked questions about when/where I had my debit card and informed them that it was on me at all times, but that these charges were made through merchants that had my debit card information saved on file, such as XXXX and other merchants. I was told that I would have the rest of my money returned to me the same day as long as they could get upper management approval. 

Two days later with no money returned, I called the bank and asked them to read the investigation notes to me. According to the notes, that bank was not going to issue my money back because I had my debit card in my wallet at all times, despite the charges being made with the card NOT present, nor swiped. The notes continued to say that I was liable for all charges because I likely knew the person using my card information, even though I never gave them permission to use it and it was true fraud. 

Wells Fargo never refunded the fraudulent charges made to my account, and also reversed {$3600.00} and {$570.00} from claim number XXXX. 

My account is negative, and this has impacted my life immensely. My account is plagued by overdraft charges from automatic payments and the bank has still not refunded my money from these fraudulent transactions.

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 2019-05-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Hello, I purchased items at Home Depot on XX/XX/XXXX paid through Homedepot credit card ( citi bank ) my husband brought items back to store for return on XX/XX/XXXX due to wrong items. Store clerk and manager declined the return because " items were already returned '' they said. Based on what store manager told me and I called to check with the Citi bank that I still have not see the credit back to my account for returned items.

Citi bank did not sound to help me resolve this problem.

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 2018-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against Portfolio Recovery Associates. I have notified this company with a cease and desist request however they still call me several times a day. I have also requested full debt validation and have not received acceptable proof that says I entered an agreement that requires me to pay PRA. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. Please dont send back a print out. Provide me with a contractual agreement. 
The following accounts are in question : Account # XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: IL
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 file several dospute with many the collection companies on my report with are reporting payments or accounts that do not belong to them and were paid off to the orginial creditor months or years ago. I have sent letters to the collection agency I have submitted proof of payment to orginial creditors to all 3 Credit Bureaus some they remove, shift to another credit bureau, report under a different creditor, or claim to investigate but do nothing but refresh the date so that it stays on my credit report longer. I have been more than patients in the process now I'm getting can no longer dispute on some because the " investigate '' nothing.

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 2020-12-18
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: Information belongs to someone else

Complaint:
There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX I never had any service from XXXX, so this must belong to someone else.

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 2021-11-09
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I went into covid forebearance and was ready to start paying inXX/XX/2021. I was advised to let me forebearmace end even though I was also told that there was an automatic option of modifying my loan and setting it to market interest rates with my balance added to the end of the loan. I requested in XXXX and they didnt process until XXXX. I was told I didnt have to make my XXXX Payment I order for my loan modification to begin. I paid in XXXX and received paperwork in the mail offering me options Like I hadnt already requested a loan modification. I paid my mortgage in XXXX and for XXXX. I called to say and they still have not even processed the paperwork for a loan mod for me despite knowing that I have lost income and am entitled to a loan mod. They said they would give an update at the end of the week. However this is an internal update and provides me no relief or guidance as to the process and where it is at. I feel like Sierra pacific mortgage is intentionally dragging their feet on my loan mod because it isnt a new loan. They are using the excuse that they are busy, yet a conventional loan will Close and fund in 30 days. It feels discriminatory and maybe delaying to hope that the market interest rate rises prior to them modifying my loan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Submitted a complaint via this site, company responded to call with any further questions, I attempted to call regarding account being paid in full but they will not speak to me via the phone. I submitted statement in writing requesting that they respond with information regarding receiving the full payment and a response to delete from credit file. That was mailed XX/XX/2020. To date, I have not received any response from this company and it is still showing on my credit report as not paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a late payment alert on XX/XX/2017, I called XXXX and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.

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 2021-11-09
Company: Ballybunion Enterprises, Inc
State: HI
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : MILITARY CREDIT SERV XXXX Balance {$0.00}

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 2021-11-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to COMENITYBANK/VICTORIA, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the company to provide accurate documentation proving that the debt was indeed mine and proof of an agreement between the company and me over the validity of the debt. Unfortunately, the information provided by the company consisted of personal medical information that was not approved to be released to this company. THIS IS A VIOLATION OF HIPAA AND I WANT THIS INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm really satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: USA Service Finance LLC
State: HI
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : USA SERVICE FINANCE, XXXX Balance {$730.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, COMENITYBANKXXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
We live in a world of high technology, why would a bank allow you to transfer money from XXXX or anything else when you dont have enough deposits? Because they can charge fees and its relative to writing bad checks. 

This is wrong, they know you dont have money and they also know they can charge fees, crazy fees for overdraft, this was an accident, not purposeful. 

Come on government, make it fair, everyone is tired of being ripped off. Its simple, if you dont have money, you cant transfer it, not go head and we will chrArge you crazy fees. 

This is Wells Fargo who has ripped everyone off and Im the XX/XX/XXXX one for being loyal. 

Come on government, protect us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently sent a letter regarding an account on my consumer report furnished by the U.S Department of Education and according to the FCRA this is a violation being that it was already removed from equifax and experian. And pursuant to 15 usc 1681a under the exclusions section under ( B ) anything that was extended or authorized from a credit card should be excluded from my consumer report. It states under The truth in lending and FCRA that the definition of a credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This account is also already paid in full.

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 2018-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

Company response to consumer: Closed with explanation