BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: Experian Information Solutions 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:
The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be  reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX/XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX/XXXX  {$8500.00} XXXX XXXX XXXX/XXXX {$14000.00} XXXX XXXX XXXX/XXXX  {$4600.00} XXXX XXXX XXXX/XXXX {$18000.00} XXXX XXXX XXXX/XXXX {$24000.00} XXXX XXXX XXXX/XXXX  {$7400.00} XXXX XXXX XXXX/XXXX  {$39000.00} XXXX XXXX XXXX/XXXX {$17000.00} XXXX XXXX XXXX/XXXX  {$2600.00} XXXX XXXX XXXX/XXXX {$3500.00} XXXX XXXX XXXX/XXXX {$1200.00} XXXX XXXX XXXX/XXXX {$300.00} XXXX XXXX XXXX/XXXX {$2800.00} XXXX XXXX XXXX/XXXX {$250.00} XXXX XXXX XXXX/XXXX  {$1500.00} XXXX XXXX XXXX/XXXX {$3000.00} XXXX XXXX XXXX/XXXX  {$3400.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX  {$610.00} XXXX XXXX XXXX/XXXX  {$8600.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX {$760.00} XXXX XXXX XXXX/XXXX  {$3500.00} XXXX XXXX XXXX/XXXX {$8300.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX {$2100.00} XXXX XXXX XXXX/XXXX  {$2700.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX  {$36000.00} XXXX XXXX XXXX/XXXX {$36000.00}

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 2023-06-19
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:
I sent a letter on ( XXXX  ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/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 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 XXXX EQUIFAX MORTGAGE 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 EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went into XXXX at the hospital in XXXX, TX on XX/XX/21, I paid {$1200.00}, but I had a bad experience and don't live in Texas anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2019 XXXX Purchase {$570.00} chosen ( 12 ) month interest free. 
XX/XX/2019 XXXX Refund {$120.00} credit to account for missing parts. 
XX/XX/2019 FINANCE CHARGE {$12.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$9.00} Disputed fees ( 12 ) month interest free. 

XX/XX/2019 Opened a dispute with Comenity Bank, issuer XXXX XXXX. 

Comenity Bank alleges, that option for ( 12 ) month interest free would have been available at checkout.

Customer, alleges that option was chosen as only two options we're presented at checkout. Option : ( 1 ) 3 % cash back or Option : ( 2 ) ( 12 ) month interest free. Option : ( 2 ) chosen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019 i have 3 negative marks from collectors on my credit all from the same incident. I was lied to by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative i talked to on the phone I talked to them multiple times to have them listen to the recorded call and on 2 different occasions i was told they would clear the balance.. Those also should be recorded conversations. So i want all 3 of them disputed and cleared from my credit. It should be illegal for them to lie about what you will be paying and make you pay them or they destroy your credit. I was told i would pay {$80.00} a month for the package.. my bill was for XXXX that is insane. 

Receivable Performance- opened XX/XX/2019 - XXXX XXXX {$460.00} XXXX  XXXX XXXX opened XX/XX/2019- XXXX XXXX - {$120.00} XXXX XXXX- opened XX/XX/2019- XXXX XXXX XXXX - {$52.00} Please dispute these

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 2020-03-04
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two loans with Mr. Cooper and have not received my loan statements. This is the second time this is happened. Not too mention when I was receiving my statements at the correct address they sent my escrow refund check to a previous address in XXXX. No explanation for that one.This servicer needs to get it together. 

I called them today on XXXX and instead of trying to research my issue they are upselling their insurance company, asking if I want to be set up on bill pay, asking if I want email communication when I had clearly told her to remove my email address from my profile. My address is still the same XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The last statement was sent XX/XX/XXXX I checked my loan statements and it says my payment is Effective XX/XX/XXXX, your interest rate has changed from 4.500 % to 4.125 % resulting in a change in your monthly payment from {$1000.00} to {$1000.00}. The new payment amount is reflected in this mortgage billing statement. YET MY PAYMENT DUE IS {$1300.00}. 

THIS SERVICER NEEDS TO GET IT TOGETHER. IT DECEPTIVE TO STATE MY PAYMENT IS XXXX YET ITS XXXX Two loans with this servicer : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment

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 2019-05-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several years ago XXXX XXXX XXXX installed two new internet accounts at a service location for me. They sent a third installer through some scheduling error. The third installer was sent away never having installed anything. The two accounts opened were always paid as agreed and eventually closed. XXXX XXXX XXXX never activated the third account but would not close the account because " without activation it did not exist. '' They put the installation fee of {$100.00} on the account balance. I could not " close '' an account i did not have open and they would not remove the balance without " closing '' the account. Eventually they sent the account to a collection company who inflated the amount and tried to collect. All of this information was given to the credit reporting agencies who removed the negative collection account from the record. The collection company then sold the account to ERC collection company. Who put it back on record with the reporting agencies. I repeated the dispute through the reporting agencies who removed it yet again. We are now locked in a cycle where ERC reports it and i dispute it successfully about twice a year. However this constant replacing of the negative collections is now the only negative thing on my report and is affecting my apparent creditworthiness, costing me much money and frustration all over an account that NEVER existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Financial Network Recovery Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My account with the bank was overdrawn, how? Do not know because my pay was directly deposited by weekly. After, I was XXXX I was told that my account was overdrawnat that time I called the bank ( XXXX XXXX ) right away. I told then it wasnt me as Im no longer in the country and to put a fraud alert on the account. and requested a copy of a reconcile statement. It was never done nevertheless, I thought the matter was over my federal and stimulus check was never received because it went directly to the bank account. years later I get to find out I have 2 collection account. ; ; I believe someone committed fraud against my name, and the bank did nothing to resolve that I did not receive the reconcile statement had no idea my account was placed for collections.

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 2021-05-02
Company: Experian Information Solutions Inc.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to have Experian remove an unauthorized Hard Inquiry with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.

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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had direct deposit into my checking on XX/XX/XXXX. I also had two pre authorized payments of {$300.00} each held against my available balance, which is fine, I was expecting these two transactions. Over the weekend, I could see that my available balance was just over {$160.00}. I made three online transfers to my son 's account against that balance, leaving me with a little over {$110.00} in my available balance ( as it showed in my mobile banking application ) on XXXX. 
On XXXX, my account suddenly shows as overdrawn by over {$120.00}. In the morning, my mobile app did not really show me much of a reason. In the afternoon, I can see that I was charged three NSF fees for a total of {$100.00} in fees. 
I called Customer Service and after 20 minutes I reached an individual that agreed that this did not sound right and said he was putting me on hold while he researched it. I was on hold for a while and then disconnected. 
This is not the first time I have seen something similar happen. 
I believe this is an unfair accounting practice which ends up charging consumers more in fees than should be charged. 
Also, the bank has stated in the past that this problem is on the merchant side and not the banks. The merchant sends the debit, and it did disappears the next day, which leads the bank to put it back into the clients ' available balance when in fact, the item is still out for clearance. In any case, it is misleading and confusing for clients who think the debit has already cleared. In my particular case, there were two debits and if both had been subtracted from the available balance and the online transfers still made, there would have been enough funds to cover everything except ONE debit of {$300.00}. The result of that would have been one fee charged of {$35.00} and not three fees totaling {$100.00}

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 2023-02-03
Company: Kriya Capital, LLC
State: FL
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:
XX/XX/2023 I tried to register for an account with XXXX XXXX online. I was unable to as someone else, who is not me, nor did they have my permission to, created an account. The fraudulent email used was XXXX. I filed a police report for identity theft, XXXX. I have been experiencing Identity theft for 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: CHARLES SCHWAB CORPORATION, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Charles Schwab representative, XXXX in XXXX took my phone call at XXXX in the afternoon on XX/XX/21, This was an emergency call made because {$810.00} were abruptly taken from my account due to a large hack that happened within the bank! Not only did he keep me waiting for over 40 mins, he failed to connect me with a supervisor who could help resolve my situation immediately. And when he finally did, more questions were asked from me rather than offering a credit, proper investigation and a new debit card. 


Currently my account is negative due to their faulty and abusive consumer Malpractices. This is both abusive and against fair consumer practices. I am at a loss for words and a victim of this predatory bank. 

I have more than enough funds to cover my payments for the month and its unfair and abusive that no resolution is being provided to the consumer. 

XXXX XXXX, offered no solutions for me, and placed me in a complete panic asking me more personal details regarding my account, only to tell me she actually did not work for the bank itself and needed to transfer me. 

My account was hacked last week and a new card was issued and they told me my account was part of a wide hack within the bank itself. 

I am at a loss for words and in a panic as this bank has caused me nothing but distress, loss of funds and more panic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The Reporting of Late Payments after a repossession has occurred.

This is a factual error.

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate.

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact.

Discrepancies like this are unacceptable ; I have the right to an accurate credit report.

And this is unacceptable.

Please remove this account from my credit report. As soon as possible. 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 2021-10-06
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: R J Baucum Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Edward Sloan & Associates has reported on my credit report a debt unpaid. I do not owe this company any money. I have requested in writing to be sent any and all information regarding this debt. They have not. I am disputing the debt and meets the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Alliance Recovery Group
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called my son on XX/XX/XXXX and I reached a person and stated that this was my son 's phone and not connected to the person they were attempting to contact. The lady on the phone assured me that they would remove my son 's phone number from their list. 

They have subsequently called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice today XX/XX/XXXX. They are getting increasingly nasty in their comments and I do not believe my son needs to hear this and to hear their threats.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2021-10-06
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation