BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: VA
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:
Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$24000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity was XXXX. Experian is reporting an incorrect date of last activity as XXXX. This account is well over XXXX 7 ) years old and this item needs to be removed from my credit report. XXXX is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2023-10-12
Company: AUSSRQ Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX said I owe XXXX the XXXX stated now {$270.00}. Posted on my credit report earlier this year, disputed amount now XXXX says I owe {$270.00} before it was more than that. I do not owe them anything, I sent back the tracker last year and now I have a collection on my account. Disputed to remove because debt not owed and all they did was adjusted the amount. 
I am requesting this item be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Service date : XX/XX/XX/XX/XXXXAmount Owed : {$610.00} The debt is owed by my mother. She had custody of him during this time. I have constantly told HRRG that I did not have and dont have custody so this should be debted to her.

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 2023-03-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My concern is about XXXX line of Credit. I was given a line of credit for {$2000.00} and I maxed it out after some months. My balance was {$1900.00}, so I paid the full balance from my bank account, {$1900.00}. The money was taken out of my account right away. One week later the balance is still not paid. Mind you, this is an interest-bearing account if the balance is paid within a certain amount of time. I called the company and ask why my account is not paid in full? I am told, since this is a new account, the amount I paid is placed on hold to prevent fraud since this is a new account. They even go further to tell me that the hold on my money that I paid to clear this account will be held until XX/XX/XXXX! They stated it's in our agreement. No where in the agreement could I find this. I paid this amount on XX/XX/2023. When they release the money to pay the account in full, it would be 16 days that they have held those funds to pay off my account. The interest from holding this money will not be giving to me, but to them. I have advised them that this is highly illegal, and they stated they can do this. Can you please offer some assistance here? I find this very disturbing that my money is just sitting there and not applied to the balance to pay it off. Thank you so much.

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 2018-04-11
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 status incorrect

Complaint:
I was a victim of the 611 of the Fair credit act. This states that anything deleted and then re-inserted on my credit report needs to be followed by a 5 day notice from the credit bureau. I was a victim of this an issue that occurred with TransUnion. Basically I my inquiries were deleted from my account and then they were added back to my account without any notification. By law I need to be within notified 5 days mail. I did not receive any notification. I am a victim of this issue. I called the Transunion customer support on XX/XX/XXXX and informed them that they need to remove inquiries below, in order to conform to Section 611 Victims. Inquiries in question are below : -- -Inquiry details -- - XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX   XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/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 2021-08-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and Midland is still reporting account as no paid. Please remove account from credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, 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:
Bank of America Home Loans made a Hard Inquiry on my credit on XX/XX/2020 without my expressed permission! 

I have tried to call SEVERAL times to have this removed and have not received a call back.

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 2023-03-30
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 am distressed that you have included the information provided in my credit report. You have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Everything in your power needs to be done to make sure this is true. Meaning every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts you post on a credit file. If not, anyone paying for your credit reporting services could fax, mail, or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. Please remove these accounts from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2023-10-11
Company: VW Credit
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : VW CREDIT INC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
N Accordance with the fair credit act XXXX account # XXXX, XXXX, XXXX, has violated my rights. XXXX, XXXX XXXX, ARS 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2019-02-12
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to promotion in which if you have a Key Bank Credit Card and you open a Savings Account {$200.00} will be added to your account. I entered promo code and opened account as stated and the {$200.00} was never added to my account. Not sure of promo code but it was on or about XX/XX/2018 that I responded to PROMO. Ive repeatedly reached out to company with no response They did respond to my last email, 'XXXX XXXX stated that the case had been submitted to the Executive Offices that was on XX/XX/XXXX. Have heard nothing since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
They owe me over XXXX for closing on my property at XXXX XXXX XXXX XXXX. 
I have called them, written them, emailed them NUMBEROUS times and they give me a reply that it will take 10-14 days to reply and then reply with some nonsense, not researched and just say they are right. 
They have incorrect information ( the closing was on XX/XX/XXXX - not XX/XX/XXXX ). 
They have a payment of over XXXX that was automatically and incorrectly remitted from my bank. 

They treat this cavalierly ... .I send them specific information and they come back with unsupported nonsense. 

I am a senior citizen - XXXX years old now with a XXXX XXXX that needs attending to. 

I will not be treated like this and will sue these XXXX  if I dont get my money back immediately. 

Have someone IN AUTHORITY call me from Wells Fargo .... and make sure they have INFORMATION ... not form letters and XXXX. I am XXXX .... 

And VERY upset

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 2023-10-10
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
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:
An Unauthorized Inquiry was reported to my XXXX Consumer Report on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*XXXX XXXXXXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, 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 2023-08-09
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The financial institution that is in charge of my auto loan has been repeatedly calling me. As of writing this statement, they have called me 8 times in 3 days. I have a call log and voicemails.

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 2023-10-09
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Our escrow didnt get paid properly by this company and we tried paying it twice, our payment got reversed causing it to be a late fee. We tried paying our escrow completely with what we owed, but they refused to apply it to the escrow balance and increased our mortgage rate due to the money owed escrow despite us trying to pay it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
An account seems to have been opened in my name as : XXXX XXXX XXXX with Comenity Capital Bank. According to USPS informed delivery I was supposed to receive a letter from Comenity Capital Bank on XX/XX/2023 but that item of mail was removed from my mailbox before I was able to collect it. An image of the missing item of mail is attached I tried to call the Comenity hotline but reception was unintelligible. I believe someone is trying to use my name for the purpose of credit fraud. I have already placed a freeze on my Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2019-09-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account for XXXX XXXX  XXXX for my XXXX XXXX which is held with Comenity Capital bank. It is a deferred interest account. I consistently made the payments on time and in some months twice in the same month. Their computer system erred in not applying some of these payments and as a result charged me an extra {$38.00} late fee. I have documentation that these payments were on time and consistent. Comenity Bank refuses to remove late fee even with several letters and phone calls. Payments from inception:XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XXXX $ XXXX,XX/XX/XXXX, {$170.00}, XX/XX/XXXX- {$170.00}, XX/XX/XXXX- {$140.00}, XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. Each payment cleared my bank. They refuse to correct the late fee. The late fee was posted in XX/XX/XXXX.

Company response to consumer: Closed with explanation