BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: DC
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:
On or around XX/XX/2023 account history for my XXXX XXXX credit card account was reported to have changed on my Experian Credit Report. Upon review, I saw that all of the account history for the XXXX XXXX account was deleted, the account status changed to " XXXX XXXX '', and the account was being reported as " in dispute by the subscriber ''. The account status should indicate the account is in good standing. I contacted XXXX XXXX, they indicated they have never reported any accounts in my name as being in dispute. Because they did not report this dispute, they are not able to make any corrections related to the inaccurate reporting because they have no record of any dispute ever being reported. I contacted Experian thereafter who claimed that XXXX XXXX did report the dispute and that they could not update the account history unless they received communications from XXXX XXXX. This account was opened specifically for credit rebuilding ; removing the payment history resulted in decrease in my FICO credit score. The attached documents show that as of XXXX 2023 timely payments have been made and the account is in good standing, to report otherwise is inaccurate and is a violation under the FCRA.

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 2023-06-15
Company: EQUIFAX, INC.
State: NJ
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 ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXXXXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2019-11-05
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Texas is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: National Credit Systems,Inc.
State: AL
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:
XX/XX/XXXX - Submitted debt validation in writing. Company originally removed from credit and the replaced back without written notice.

XX/XX/XXXX - never received written notice to validate debt.

XX/XX/XXXX - currently reporting that the debt is refinanced. How do you refinance a collection and incorrectly reporting amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-06
Company: LoanCare, LLC
State: MD
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:
Have automatic payment on my mortgage. They did not take it out in XXXX and they should have. They admitted it was there fault. /they were going to send me a letter saying this.and they never did..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 explanation
Consumer complaint received 2023-01-29
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent this company a XXXX XXXX XXXX letter using certified mail, return receipt and I have the receipt back showing they indeed got it. They continue to send collection letter but I do not owe them anything. After I accused them of misrepresentation of who they were they then admitted that they " bought '' this " debt '' from another company. I have no contract /agreement with this company and I have asked that they XXXX XXXX XXXX contacting me by USPS mail or any other ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I noticed HSBC for a validation of debt, to which they have not responded. The validation also included several violations of the FDCPA and FCRA of which I invoiced them as well. HSBC reported my private transactions without clearly and concisely informing me of their intentions, which is a clear violation Gramm-Leach Bliley act 6802. To date they have failed to produce the requested information and have failed to correct their reporting of my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
I kindly request that you thoroughly investigate this matter, acknowledge the error, and promptly rectify it by eliminating the unauthorized inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson capital systems is reporting a debt as new for an account that hasn't been open in 7 years. They have also had ownership of this account for years and previously removed it because they could not validate the debt. They now put it back on my report as a brand new debt collection. It is also for 6 times the original amount. Attempting a complaint here before I pay the lawyer I consulted with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
BB & T is reporting to credit bureaus a mortgage with a balance of {$240000.00} and monthly payment of {$2500.00} that is not a mortgage obligation of mine. XXXX  XXXX XXXX  BB & T branch employee referred me on XX/XX/XXXX to the BB & T Mortgage Division. On XX/XX/XXXX the Mortgage Division referred me to the Fraud Department online support at XXXX  and I emailed the online support. On XX/XX/XXXX online support replied with direction to visit the local branch for assistance. On XX/XX/XXXX I visited the branch and was told by the branch rep that he would attempt to resolve the issue. After repeated attempts to subsequently reach the branch rep he contacted me on XX/XX/XXXX and verbally acknowledged the mortgage is not mine but directed me to the Mortgage Division. The Mortgage Division on XX/XX/XXXX informed me they can not confirm in writing because her division is working from home. She recommended I complete a BB & T mortgage release research form for the mortgage that is fraudulently reported in my name. I can not complete the form because the loan is not mine.

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 2019-11-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. Experian, XXXX, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.

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 2019-06-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been making bi-monthly payments as I was told this would reduce my balance quicker. When I noticed that they hadn't applied by first bi-weekly payment, I called them and was informed that they hold the payment until both payments are made and then apply it. What that means is that while they hold my first monthly payment I continue to accrue the per diem instead of reducing my balance it makes no impact. This is trued until we get two months during which there are three pay periods in a month for a year. Only then will I be one month ahead. When I told them I wanted the payment applied as soon as I made they informed me that that was not how it worked. I just don't know how they get away with holding my money, earning interest on it for themselves and I get no immediate benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Bread Financial Holdings, Inc.
State: NY
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:
A Balance Transfer Check was issued from XXXX XXXX XXXX XXXX on XX/XX/2023 and received on XX/XX/2023 but not processed until XX/XX/2023. 
presuming this check was lost, stopped Check and and had replacement sent on XX/XX/2023 by XXXX  XXXX tracking # XXXX to Comenity Bank overnight address listed on the back of their bill and received on XX/XX/2023 by a XXXX XXXX at XXXX payment has not been posted yet. I had called on XX/XX/2023 and spoke to a rep who told me it was the payment from fed ex that was posting., she was wrong! I am told by their Reps that paper check payment can take up to 2-4 weeks to post, is that legal? 
I spoke to a Rep XXXX last night who thought it was strange if a payment didn't post within XXXX weeks, WHY would i put a stop on it and consider it LOST. 
I normally send payments electronically and they take 2 business days to post to the credit card, but they are deducted immediately from my checking account, usually its the other way. 
these are bad business practices that need to be investigated, PLEASE. 
I would also like to now is itLLEGAL for them to DELAY POSTING of a PAYMENT and not back date it the date received..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Shellpoint in XX/XX/XXXX. In XX/XX/XXXX I received a request for proof of insurance which I faxed over on XX/XX/XXXX ( policy was from XX/XX/XXXX to XX/XX/XXXX ). In XXXX I made sure to upload the new policy ( dated XX/XX/XXXX to XX/XX/XXXX ) to Shellpoint. I have attached proof that Shellpoint received both of these policies. In XX/XX/XXXX Shellpoint disbursed {$2200.00} from my escrow account. When I questioned this I was told it was for lender placed insurance that had been cancelled. I have been trying usuccessfully for months to find out why lender placed insurance was added to my account since I had provided them with all of the relevant insurance policies. I can't even tell you the number of people I've spoken to on the phone, none of whom gave me a straight answer. I do not escrow for any insurance as the mortgage is for a condo and the condo association maintains the insurance on the structure. The one response I did get from Shellpoint was that they had cancelled the lender placed insurance in XXXX, which still doesn't explain why over XXXX XXXX dollars was taken from my escrow in XXXX. Even if they placed insurance in XXXX and cancelled it in XXXX it wouldn't cost XXXX for less than one month. And now my mortgage payment has gone up for {$150.00} per month to cover the escrow shortage. I am truly hoping you can assist in getting my money returned to me. I am aware that mistakes happen, but Shellpoints unwillingness to correct the situation is unacceptable. By now they are in violation of Reg E as they have failed to address my concerns in a timely matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: AZ
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 been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act.

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 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank of America is putting an irrational and excessively long holds on my money/deposits in my Business checking account. This is absurd, fraudulent, and harmful to me, my business and my credit report! See attached document, showing a hold/pending credits of {$3500.00}!!!

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 monetary relief
Consumer complaint received 2023-02-03
Company: Phoenix Financial Services LLC
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: Information belongs to someone else

Complaint:
I kept receiving letters regarding a medical debt from XXXX XXXX from the orignal creditor XXXX XXXXXXXX XXXX XXXX, I informed them this was not my debt and fraudulent and issued a cease and desist. They since sold this debt to Phoenix financial services which they contacted me about. I informed them this was not my debt and disputed it with themselfs they sent information saying what verified this debt basically wrong last name address is wrong correct previous street wrong apt number, no social security was provided at visit and also no ID was shown at the time of visit and no Insurance given which I have Insurnace. Further said this is clearly not my debt and fraudulent. But apparently that was enough for verification. So I issued them a cease and desist letter too as for 2 years nothing showed on my credit report as I assumed it couldnt being incorrect info. Now last month it appeared on my report. I contacted XXXX and disputed this explaining this was identity fraud at a emergency visit and that its not my debt I expected this to be removed but they have certified the debt is valid even with a misspelt last name and what is a blatant attempt at fraud. At this point I want them to stop reporting the debt on my credit report as its not mine. I am in contact with my attorney who advised i and contact yourself first to dispute before taking appropriate legal action. Please inform if you can help with this debt, so I can proceed as needed. 

The amount is for {$520.00} and the account was opened XX/XX/2022 on my report.

Company response to consumer: Closed with explanation