BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act LVNV account ( XXXX ) has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

LVNV funding account listed above has violated my rights for the following reasons. 

- Displaying account status as open on XXXX and XXXX. 
- Displaying a past due amount reporting on all XXXX credit bureaus. 
- Displaying terms as ( 1 ) month to all 3 credit bureaus.

- Reporting over 120 days late on XXXX credit report. 

LVNV has additionally harassed me by using this debt to reach out via phone more than XXXX times a day threatening a suit if no payment is received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Daughter charged a product with my store credit card issued by Wells Fargo for XXXX in XX/XX/XXXX. I never received a bill via email, regular mail ... ( validation of debt ). I discovered there was a problem in XX/XX/XXXX while reviewing my credit scores. I contacted Wells Fargo immediately and made on phone arrangements to payoff ( and close ) acct. All late fees were waved. 
My acct was sent to an investigator who stated, at the end, they only send bills as a courtesy and since I made the charge, I was responsible. They again charged late fees as the investigation took place. She waved the late charges for the final and third time. 
I have no papers to confirm what wrongs have been committed by the credit card institution against me, which equals = no proof or chance of resolution. In my profession my credit score is used with any and all job applications. All lies, miss leading referrals, promises are unprovable because all contact with these people was by phone. All disputes to credit report agencies are strictly based on documentation. 
The only up shot I have is that my credit score was at one time XXXX and anyone who sees my credit report will automatically see the problem may not lay with me, but in fact the problem lays wth Wells Fargo Bank.

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 2021-01-25
Company: EQUIFAX, INC.
State: NV
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I need this resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries and addresses from my credit file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-02-20
Company: STATE FARM BANK, FSB
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I previously filed two complaints against XXXX XXXX XXXX XXXX XXXX XXXX and its " online bank '' FSB Today XX/XX/2019 I found an overnight letter from XXXX XXXX XXXX XXXX, XXXX IN. 

This is a Complaint against this " bank '' for FRAUD. In the envelope are document which PURPORT to be my signatures attached to the " Application '' and " Acknowledgement ''.

One place where the tiny " signature '' was placed is a BLANK PAGE with the word " Acknowledgment '' and " by making this deposit the depositor agrees to the terms and Conditions stated above and taken special notice of the discussion early withdrawal penalties which apply to this deposit included in the terms and Conditions. By signing below, depositor acknowledges receipt of an Account Disclosure related to this Account. '' This is an outright LIE. I never saw anything prior, and I NEVER signed such a document. Moreover XXXX XXXX Agent stated this was SOLELY to identify the appearance of my signature on a card. i.e. illustration to prevent forgery. 

It is fraud for SF to represent to me that I ever SAW, ever WAS TOLD, ever RECEIVED prior the account, any DISCLOSUREs, Applications, These documents are HARD PROOF they created ex post facto documents THIS WEEK, and sent YESTERDAY, which showed a " signature '' to these documents. 
Yesterday they created a compliant " Application '' and " Acknowledgment '' and miss-used what XXXX XXXX, my agent stated was a " sample of your signature '' to ensure your distinctive signature is on file. 

What they added to these yesterday documents is a scrawl which is ONE/HALF centimeter tall, and 2.2 centimeters wide. 
Anyone who claims that tiny, illegible scrawl -- is my signed & dated signature approving and accepting those terms and documents is a liar. 

I am willing to swear under oath to the above, and I believe CFPB needs to get a perjury sworn statement from SF. 

This is hard evidence of using fraud and/or deception to obtain my funds. 
I have NO doubt they are and have done this to many people who trust XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: BANK OF THE WEST
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I received two letters in the mail from Bank of the West Recovery Department. One letter was informing me that I was now in default the bank was accelerating payment for my loan. The balance reverted to the original balance due of {$12000.00} even though it was negotiated at the time my home went into foreclosure in XXXX and after 13 years of paying with no defaults my balance is {$3000.00}. The second later dated the same day and received the same day declared me in default of not responding to the first letter and encouraging for me to seek immediate assistance to save my home. My attempts to clear this up are ongoing.

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 2019-08-26
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: Information belongs to someone else

Complaint:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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:
My credit profile shows an account as a charge off. After checking all of my files and records i was unable to find any records with the listed company or any accounts that matched this account listed. I have diisputed account but it still remains. Please delete this account.

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 2019-02-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been fighting this battle with the Credit Reporting entities for decades ; and they and the financial institutions have been literally KILLING small business ; even when they get away with huge losses like nothing. 
I started with an XXXX in XX/XX/XXXX, was a XXXX XXXX  with XXXX New York in XXXX ; and XXXX   XXXX XXXX XXXX of dollars for XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) in 24 companies in 16 countries on All Continents. 
I had my own businesses since XXXX ; XXXX XXXX XXXX in the mid XXXX ; and have invested over XXXX XXXX so far ; and I owe very little to anyone. 
For the last three years, I was unable to even get a Home Equity Line Of Credit to move forward on the proprietary New Model for plastics recycling. 
This is really tragic, and my credit score keeps getting lower due my effort to try to secure some funding. 
In XXXX, I started with a {$200000.00} SBA-guaranteed loan ; which grew to {$500000.00} in about a year ; and was fully prepaid in XXXX. That never get on my record. Only very minor negatives are focused on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I have been contacting this company for almost 2 years and informing them that I do not owe for this debt. I went to the emergency room due to XXXX XXXX but due to an extended wait time I left the emergency room and was never seen by any physician. 

The company agreed by phone to remove the debt several times but has failed to do so, in fact the company has posted this debt under my credit file! 

I need this matter addressed with CFPB because attempts to rectify it on my own have been unsuccessful. 

Please advise!

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 2019-08-26
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:
Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full in XXXX of 2019. Was removed from my credit report then and is now back on there showing not paid ... .. This is wrong and must be updated ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
see : COMPLAINT ID XXXX You closed inquiry because they sent a bunch of useless paperwork that does not support any charge on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I accidentally missed a payment on my Torrid store credit card. I received a call from someone collecting for Commenity/Bread Financial XXXX The caller 's behavior was unprofessional and more importantly violated FDCPA. 

FDCPA violation details : The caller did not identify himself by name or that he was collecting a debt. Did not tell me he was calling on a recorded line. Did not verify any personal information other than saying my first name and waiting for me to respond to it. He then stated the balance due and my checking account information without any verification. His lack of professionalism made me uncomfortable and I declined to make a payment with him and instead scheduled a payment on the website. 

Follow up attempt with the company details : I called the company directly to address the issue. First person I spoke with pressured me to divulge details of the payments I scheduled on the website ( 1 for the same day to bring the account current and 1 for the due date for the regular monthly payment ). He stated he couldn't see the payments scheduled. I explained they were scheduled and I was calling to get information about the call I had received and that is what I wanted to discuss at this time. Rep transferred me to a supervisor who was very nice and knowledgable but explained she needed to get me to a higher level escalation team because FDCPA violations are out of her purview. There was no one available, so we left it at she'll have someone call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I attempted to close a checking account with Key Bank and they were unwilling to do that. Months later they charged off the account for {$75.00} which was the result of 3 maintenance fees on the account for aXX/XX/XXXX balance. I am not unable get this resolved as no one in the organization will take responsibility. I am left with no recourse as a consumer as I have been transferred to other departments several times and hung up on as well. This is a clear case of an organization gauging a customer for fees because they're unwilling to do what they're legally required to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The status is incorrect for the following accounts : XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXX CXXXX 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 2023-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They keep calling and asking me to pay them calling me after hours telling me theyre going to tell my family members that I owe this debt or take from my Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: SC
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:
I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with EQUIFAX. No consent is identity theft. On XX/XX/XXXX, I called EQUIFAX and spoke with XXXX XXXX id XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent cut me off and would not allow me to speak. I told him that I'm contacting the cfpb about this. He stated that he could not assist and to go ahead with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.

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 2023-08-18
Company: EQUIFAX, 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account.XXXX XXXX XXXX. Please investigate and provide proof with Statements showing that these payments were late. If proof can't be provided I demand this payments be updated to on time as they should be as I was never late. I demand that this account be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: AMERIS BANCORP
State: AL
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 got behind on my mortgage payments. I worked hard and paid three months at one time. I paid XX/XX/2020, XX/XX/2020, and XX/XX/2020 all on the same date, XX/XX/2020. XXXX and XXXX were late. XXXX was not late, but Ameris incorrectly reported XX/XX/2020 as being more than 30 days late. I have struggled to correct this issue since last XXXX when I noticed the mistake. I can not get them to understand that XXXX was not late. I am not disputing that XXXX and XXXX were late. I have been told numerous times that it is being worked on and they recognize the mistake, but it has to be corrected through the research dept, but there has been no resolution. I am out of options of how to correct this mistake, but I am desperate for it to be fixed on my credit report. It is affecting my life with interest rates being higher than they should if this were not reported incorrectly

Company response to consumer: Closed with explanation