BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted Midland Credit Management at XXXX. 
explained to them that these XXXX debts were settled in my bankruptcy case # XXXX in XX/XX/2013. These keep appearing as judgements still not settled on my report. 
I need these debts to be removed from my report and would like a letter stating they were settled. 

MCM ACCOUNT # XXXX MCM ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX I ended my contract with XXXX after many years of poor customer service and not receiving paper bills after many, many requests. I sent them their final payment in XXXX XXXX. Last year, in the XXXX of XXXX, I notice on my credit report that Diversified Consultants has put a collection on my credit report for the final XXXX bill paid in XXXX. I notified my credit card company XXXX of the fraudulent collection and they removed it from my credit report. Today, XXXX/XXXX/XXXX, trustedIDpremier/XXXX is showing this collection on my credit report from Diversified Consultants again for this XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been in my home for over 16 years. Back in XXXX of XXXX I filed for bankruptcy in order to recover from a financially devastating blow to my household. I applied for a modification with Bank of America back in XXXX XXXX and I have been given the run around for the past 9 months. I have had 4 different account managers requesting different documentation and every time I submit the required documentation, I am advised that the original documents have expired and to resubmit them. I have done this on 3 separate occasions and BOA allows the documents to expire and I have to call 2-3 times per week to follow up. There is no follow through or any desire to assist. I am tired of empty requests and threats of foreclosure when I am jumping through hoops to save my home. XXXX XXXX is my current case manager and every time he calls me with another hesitation strategy. I have requested assistance from a manager but my  concerns have fallen upon deaf ears. I have been strung along for 9 months and after being told that I have submitted everything, my case manager called me again today to request additional financial documents because they have expired again due to lack of follow through by Bank of America and due to no fault of my own. Attached is proof from their portal that I have provided a wealth of documentation ( at times duplicates ) in order to support my request as requested by BOA.

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 2020-12-18
Company: DISCOVER BANK
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:
The Problem that I have been having with this company is that I have been trying to solve a mistake that they made while reporting on my credit report a late payment when Im sure that I made that payment and Have sent the proof on this letters attachments, Ive tried to solve this with them already but when I called them, they say there is no late payment in their system. Furthermore, they will not fix anything for me even though they admitted I am not late, and this has affected me on my mortgage putting me on escrow, just to think about the fact that this could have been solved by just putting a small effort and fixing their mistakes makes me feel bad because I would not be in the situation that they basically put me in. 

If this continues to be an issue and they do not tend to resolve their mistake I will feel no more than obligated to file a sue against Discover since they refused to fix a mistake that they did, and it brought serious consequences against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My account was frozen by Regions with no reasoning. I am trying to close the account and am unable to. I have no access to the acct at all or the money.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX INQUIRIES : 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 explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: IN
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 filed a dispute with Experian and reported to the CFPB regarding an inquiry on my credit report and the response said the inquiry was not listed. 

I checked my credit report today XX/XX/XXXX and the inquiry is still present on my report. On XX/XX/XXXX XXXX XXXX XXXX placed a hard inquiry on my experian report WITHOUT my approval. Please remove this inquiry immediately as I did not authorize this. This is my 2nd time requesting this to be removed and I was told the inquiry did not exist yet it is still on my report. Please remove the inquiry expeditiously.

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. My request for the correction and removable of the erroneous information about my account has been diligently neglected by XXXX Credit Bureaus. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, XXXX Bureaus 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 is the account that is still reporting on my account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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: Account information incorrect

Complaint:
I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).

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 2021-05-13
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2021, I sent Equifax a followup letter regarding a previous letter from XX/XX/2021 and XX/XX/2021, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/2021 that has not been addressed neither by the credit bureau XXXX note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Equifax and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told the collection agency that this debt isn't mine and requested they validate/verify the debt with a signed contract binding me to the debt. That have not verified the debt. They told me over the phone that they didn't have a signed contract legally binding me to the debt. It was a woman that I spoke with. She reiterated to me over the phone twice that they didn't have such evidence. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NY
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: LEXISNEXIS
State: OR
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:
The car was auctioned for {$8900.00} we Only owed XXXX  dollars The finance company is lying about the amount they received in the amounts that we

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approximately FOUR MONTHS after closing on our refinance, we were contacted by e-mail by XXXX advising there was an " issue '' with our property taxes amounting to a {$3500.00} shortage that would be needed to be paid. WE IMMEDIATELY followed up with the company demanding how could the property taxes be missed. This is when XXXX XXXX advised that the expenses including winter taxes, a delinquent water bill was the driving force and could not be anticipated prior to our closing. HOWEVER, upon my research and speaking with someone with the City of XXXX XXXX, this is absolutely NOT TRUE. This information could not only have been anticipated, but also confirmed PRIOR to closing. The water bill itself was simply a call to the municipal building that would've provided any balances HAD that been inquired about. So, this is an untrue statement. Furthermore, this is information is public record and could've been requested and obtained from our city municipal website. The City Office is unclear as to why this information is so " baffling and unanticipated '' as Mrs. XXXX claims. They assured me that this is a common practice and that information could've been provided at ANY TIME during the year. 

Secondly, I would like to note that this process has been riddled with inaccurate, rushed information from the very onset. Always a fee, always a representative having to do research with underwriting. Now, here we are 5 months into our refinance and being blindsided with a nearly $ XXXX bill. WHY WAS THIS NOT TAKEN FROM ESCROW OR ADDRESSED PROPERLY AND PRIOR TO THE RUSHED CLOSING? 

Simply, because this was a RUSHED process to attempt to close as many loans as possible. If I called and got all the information needed within a simple 15 minute phone call, as well as was guided through a system online with information pertaining to the public records regarding the property address where the information they are FALSELY claiming that the information they are seeking was " unanticipated ''. The representative at the City Clerk office said that statement is simply UNTRUE.

I can only imagine how many homebuyers are being treated in this way. We have submitted a requested to the FTC requested research into this unethical business practice to determine if this is affecting hundreds, if not THOUSANDS of individuals who have recently refinanced with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
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:
I have notified the credit agencies several times and nothing seems to be done about this. There are unknown accounts which have no validation and names listed I have never used. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Names XXXX XXXX and XXXX XXXX I have never used these names nor have ever been called these names. Remove and any accounts associated with

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
As I reviewed my recent report, I have found some erroneous information 's reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to TransUnion to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items :

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 2022-03-31
Company: Experian Information Solutions 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 status incorrect

Complaint:
As I reviewed my recent report, I have found some erroneous information 's reporting on my Experian Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$4700.00}

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 2020-04-25
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:
( XXXX true Identity theft ) Im a member of the XXXX  data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police  made a report they also told me to make a report with FTC  because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help XXXX  : CONFIRMATION NUMBER : XXXX Experian Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX | XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-03-31
Company: Bread Financial Holdings, Inc.
State: LA
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 closed an Ann Taylor account several years ago MYSELF and XXXX just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX {$300.00} was withdrawn from my account and I called and filed a claim to Wells Fargo which they denied after already canceling my card and sending a new one.

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