BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: MIDFIRST BANK
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 status incorrect

Complaint:
My account with Midland mortgage was originally reported by Midland as having a late payment for XXXX of 2023. I disputed the late payment because at that moment I was in the process of a mortgage assistance application and such report should not have been made. 


After my dispute, Midland agreed to change the late payment to report as suppressed. XXXX and XXXX changed the information for XXXX 's payment as suppressed, but after two requests from Midland, XXXX has not changed the information as yet. 


Additionally, XXXX is also reporting my XXXX and XXXX mortgage payments as being late when Midland did not report such information, as the payments were NOT late. XXXX is the only credit bureau that's reporting XXXX, XXXX and XXXX as being late. None of the other credit bureaus are doing so so. The other credit bureaus are reporting XXXX as suppressed and XXXX and XXXX as paid on time. 


I have reached out to XXXX twice. First, to inquire about the XXXX payment not being reported suppressed. They requested that I asked Midland to send the information to them once again. Midland Mortgage assured me that they would re-send the request to suppress XXXX 's payment. XXXX still has not changed the reporting. Now they're reporting 3 months incorrectly. Midland Mortgage also assured me that they never reported any payments late for XXXX and XXXX to the credit bureaus. 


I reached out to XXXX again today XX/XX/2023 and they are adamant that the information they have received for all three months is information they got from Midland Mortgage. 


I would like XXXX to do as requested by the mortgage company. To change XXXX 's payment as suppressed and to change XXXX and XXXX payments as paid on time.

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 2023-06-30
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: Investigation took more than 30 days

Complaint:
I sent a dispute by certfied mail to Experian, and XXXX XXXX. The dispute of illegal late payments reporting to Experian. The certified letter sent on XX/XX/2023 to Experian and XXXX XXXX. XXXX responded back with a credit report stating that it was the result of the investigation, report was dated XX/XX/2023. 

Experian received its letter of dispute on XX/XX/2023 which was five days after being sent by certified mail on XX/XX/2023. In my request for a re investigation of the late payments, also inaccurate information being reported. They sent a Experian report, advising that the results had been completed. 

Experian,. never did thier due diligence in ensurig that the investigation had been conducted. Therefore, XXXX XXXX had not even did a investigation into my complaint whjich is a violation of ny federal rights under the FCRA 15 USC 1681i. ( a ) ( 1 ). In accordance with federal law my rights has been violated under FCRA 15 USC 1681i ( a ) Reinvestigations of Disputed Information. 
( 1 ) Reinvestigation Required : ( A ) In General Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumerand the consumer notifies notifies the agency directly. 

I never received any results from XXXX XXXX of my dispute. Also, I never received any results within the ( 30 ) days mandated by federal law. The dispute was sent on XX/XX/2023. XXXX XXXX stated that they had not got my dispute of XX/XX/2023. I then conducted research of tracking by XXXX. I found out that XXXX XXXX received my certified letter on XX/XX/XXXX, @ XXXX. 

As, of the date of receiving my letter of dispute. I have not received any response of the ( XXXX ) days mandate by federal law. Therefore, my rights again have beeen violated under FCRA 15USC1681n- Civil Liability for willful noncompliance : Any person who obtains a consumer report from aconsumer reporting agency undr false pretenses or knowingly without a permissible purpose shall shall be liabile to the consumer reporting agency for actual damages sustained by the consumer agency or {$1000.00} whichever is greater.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I spoke with Professional Account Management , LLC to verify the debt that they are trying to collect. 

The debt collector is refusing to verify the debt which is related to identify theft. 

The debt collector is also refusing to take my dispute regarding the debt in question. 

And has harass me and threats to damage my life with phone call, emails, and letter and will not verify that debt. 

The collection agency is only seeking payment of the debt with no verification of the individual and purpose of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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. 
XXXX  Account # 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
I am interested in processing disputes on my credit report to remove an delete all inaccurate information that is listed on my files to clear my report. this has been an on going issue that needs to be resolved asap. checking all the data this is holding my file back from being clear. please review an delete all errors to help my credit report asap.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been a victim of identity theft with XXXX  XXXX. I went to go check my consumer report and saw there was a late payment with an account thats on my credit profile that doesn't belong to me. That account is with XXXX  XXXX as a credit card titled XXXX XXXX XXXX  FROM XXXX  XXXX with a balance of {$4800.00}. This card does not belong to me and is fraudulent. I submitted my FTC REPORT on XX/XX/2023 and sent out to XXXX, XXXX AND EXPERIAN ON THE SAME DAY, it is XX/XX/XXXX today and I have yet to hear back from XXXX, XXXX AND EXPERIAN. This fraudulent account is causing me financial injury as I try to keep up with my consumer report and I have been denied getting a home loan.

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 2018-09-10
Company: RGS Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RGS Financial is reporting a medical debt in the amount of {$300.00} that belongs to my minor step daughter. My step daughter does not live with me and never has. I have never taken my step daughter to any medical appointment and have never signed anything saying that I would pay for medical expenses for her. The name listed on the bill that RGS Financial sent me belongs to my step daughters biological mother. The name on the invoice is that of my step daughter. I think when my step daughters mother took her to the dentist office and they used my insurance policy, the dental office attached my step daughter to my established account that I have for my biological son. This company can not and does not have documents where I signed and agreed to pay for medical expenses for my step daughter. I am not my step daughters guardian and HIPPA would prevent me from even obtaining information from a medical provider in reference to her. Please have this collection account removed from my credit report immediately as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened this account on XX/XX/XXXX with the intention of using it as a checking account. I have maintained a positive balance since and have had several transactions since I opened the account. I have been nothing but transparent with your institution and do not agree with the closure of my account. Especially under the circumstances in how it was completed. 

On XX/XX/XXXX I found out that my account had been closed without my permission and without any notification via email, traditional mail or the Wells Fargo banking system. By law, banking institutions may close bank accounts, but they are required to notify account holders so they have adequate timing to seek another banking resource. In addition, a banking institution is required to notify customers when they intend to close their accounts so they can properly transfer their direct deposits. As a result of no notification, my payroll deposit was rejected and I was unable to gain access to my funds which are deposited on bi monthly basis. As a result, I was unable to pay for bills and everyday necessities. Following the call on XX/XX/XXXX, I contacted the branch manager ( XXXX XXXX ) at the same location that I opened my account. XXXX informed me that he looked into the situation and that his representatives at the customer service department couldn't explain why bank account was closed and that there was no logical reason either. His source couldn't explain why the account was closed even if it had a {$0.00} balance for 10 days and stated that other accounts with negative balances over for a longer period weren't even closed. During the past 90 days, it has been difficult near impossible to conduct in person transactions. In fact, it was against the law due to Washington 's Stay at Home, Stay safe order in reaction to COVID-19.

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 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my transunion report and found multiple hard inquiries that I did not authorize and are hurting my credit score. These are the hard inquiries. 
XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2019-06-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have asked credit collection services to verify the debt they are trying to collect as mine per FCRA regulations and they refuse to respond. Yet they promptly respond to the credit bureaus every single time i attempt to dispute the inaccurate information. I am horrified at the lack of responsibility.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
After the Equifax hack, my wife and I froze our credit at all 3 major credit bureaus. While XXXX and XXXX have been extremely helpful/easy to work with, Equifax has not expended any effort to help us manage the freeze. 

1 ) We tried to setup online access ( myequifax ) but received error messages indicating we needed to call an 800 number : We can't complete your request at this time. 
Please call the Customer Care team XXXX XXXX ) We tried calling the number but gave up after waiting 1 hr on hold ( do appreciate the pandemic impacted customer service - but Equifax had the longest hold time of any company we tried to work with ) 3 ) We tried Equifax 's XXXX account - someone replied but never resolved the issue 4 ) We gave up for several months 5 ) When we tried again on XX/XX/XXXX, we were told by customer service that we were not ALLOWED to use online access but customer service didn't know why - instead we would need to call each time we wanted to do something 6 ) My wife and I were able to call on XXXX to get the freeze temporarily lifted - but when we called back on XX/XX/XXXX to verify it has been frozen again, we were told we didn't answer one of the security questions appropriately and would now need to mail or fax proof of identity and our request to them. 

It is completely inexcusable that Equifax can not enable online access or provide a reason why we can't, as well as providing an opportunity for us to correct/rebut the reason for online access denial. They will no longer accept phone calls because we missed a security question and now have to work with them via fax or mail? How can they not provide timely access to manage a security freeze we PUT IN PLACE BECAUSE THEY CAN '' T MANAGE DATA to begin with!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX Bought a XXXX XXXX XXXX from US Auto sales in XXXX XXXX, I think listing price was {$17000.00} ( way too much for the car, but I needed one ) Paid extra ( XXXX ) for 2yr service contract with XXXX that was never sent to them ( XXXX ) and GAP Waiver ( XXXX ). 
Car was ok for about 9 months then steering wheel started making noise when I turn, told it was a knock sensor from XXXX XXXX. Did not have the money to fix it then and actually forgot I had the service contract. Then in XXXX of XXXX the car made a loud pop and left me stranded. Not sure if it was the engine or not but when I tried to call the dealership, i was told the went out of business and was to contact Westlake Portfolio Managemnet. Did that and they said my loan was transferred but the service contract is discontinued when they bought the loan. And the service contract company is XXXX and they are suing US Auto sales too. So know they won't honor my service contract and won't return my email and I'm stuck with a car that doesn't run and they want me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Called capital one to check on the status of my application and the representative saidbshe didnt want to answer my questions and hung up.

Company response to consumer: Closed with explanation