BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: Receivables Performance Management, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Duplicate XXXX account for {$890.00}??? Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2019-03-15
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since the inception of my loan with US BANK, I have been charged a {$5.00} fee for submitting my payment via the US BANK website if paid after the XX/XX/XXXX of the month. This loan was originated inXX/XX/XXXX the fee continued until the end of XX/XX/XXXX. This covers at least XXXX or more payments. I reached out to US BANK numerous times thorough out the years and they always said " too bad '' Nothing in any of my original loan documents supports such a fee and I feel that US BANK is and was in violation of the Responsible Lending regulatory rule, the violation would be that they didn't disclose all fee 's.

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 monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, the list of accounts for Low has violated my federally protected consumer rights to privacy and confidentiality under 15 USC, 1681 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Has violated my rights 15 USC 1681, section 602 A 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 instructions 15 USC 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 conviction of crimes, which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
BANK OF AMERICA XXXX account was reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the account and verify.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian, XXXX and XXXX have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

Experian Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX ( Inquiry Date XX/XX/XXXX ) XXXX ( Inquiry Date 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 non-monetary relief
Consumer complaint received 2018-11-07
Company: Midwest Recovery Systems
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 dont know who Midwest Recovery Systems is or who they represent, all I know is these people have never notified me that I apparently owe a debt instead the decide to attack my credit report. 

Why attack my credit report when you could have called or sent me a bill in the mail letting me know more about this debt. 

I feel Midwest Recovery Systems has violated my rights by attacking my credit report and not giving me even a chance to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
date opened XX/XX/XXXX Wells Fargo Bank XXXX. Paid off {$7400.00} XX/XX/XXXX. XXXX XXXX XXXX XXXX # XXXX. 


I had an auto loan with Wells Fargo Auto that I paid off {$7400.00} on XX/XX/XXXX. It still shows up on my credit report as open and past due. I paid the pay off figure they provided. I did receive a letter showing it was paid off but its still on my report. I have contacted the company several times and the last thing I was told that all they could do was send another letter. They also said it won't be removed until 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 2023-06-07
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is filed against AmeriSave Mortgage Corporation. 

On XX/XX/2023, 2 days before our settlement date, the closing cost ( Section E - Taxes and Other Government Fees ) was changed from {$6800.00} to {$10000.00}, resulting a net increase of {$3800.00} in this section. 

In Closing Disclosure dated XX/XX/2023, no specific " Change of Circumstance '' was provided. It simply says " CD to CD ''. 

The purchase agreement ( contract ) was supplied to AmeriSave at the beginning of the application. There was NO CHANGE in purchase agreement regarding how tax and fees should be allocated during the mortgage application/processing. 

Per CFPB website, closing costs that can not increase at all if there is no " change in circumstances '' include : Transfer taxes These changes were made 2 days before settlement without material change to loan application and adequate disclosing. If AmeriSave had made a mistake in allocating such costs in all earlier versions of Closing Disclosures, are they legally bound to stick to them? Adjustments made by AmeriSave at the last moment without any change of circumstances ( at least not any circumstances from applicant side ) is not only surprising and misleading, but also created unnecessary chaos during settlement. We challenge the legality of such practices and demand a refund for discrepancy caused. 

We have Closing Disclosures dated XX/XX/2023, XX/XX/2023, XX/XX/2023 for the record and can supply them if needed. 

Best Regards, XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying for three months to get an erroneously reported incorrect payment removed from my credit reports to no avail. On XX/XX/XXXX, I submitted a complaint to the XXXX describing a payment incorrectly reported as late in XX/XX/XXXX by XXXX XXXX XXXX XXXX The company responded by letting me know that they had mailed letters to TransUnion, XXXX, and XXXX advising that the late payment was indeed reported in error. However, my most recent credit reports continue to show the erroneous late payment in XX/XX/XXXX, dispute raising disputes with each of the credit bureaus. Screenshots attached.

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 2018-08-14
Company: EQUIFAX, INC.
State: AZ
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:
A collection company that never notified me of an alleged debt reported the debt ( {$110.00} ) to the credit reporting agencies. After disputing the report, all of the reporting agencies removed the item from my credit report except for Equifax. Equifax 's investigation process is severely defective : their website is inaccessible ;  they do not answer phone calls ; their investigation took longer than 60 days and then closed with no contact with me. At no point in the several months that I have been trying to get this resolved has anyone even attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for an answer from you, but I haven't heard anything yet. The unverified accounts indicated below continue to report on my credit report in violation of federal law despite prior CFPB complaints. Despite my best efforts to resolve this issue directly with the creditor, the XXXX, TransUnion, and XXXX credit bureaus continued to report unconfirmed information in violation of section 605b of the Fair Credit Reporting Act and were therefore found to be acting with willful negligence and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. 
TRANSUNION : XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1300.00}

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 2022-02-10
Company: CL Holdings LLC
State: CO
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 did not open this account. I can only assume my ex husband opened this under my name when we were legally separated, or perhaps one of his friends did, but I DID NOT. i have told this to every agency or collector that calls me about it. This is NOT MY ACCOUNT! I never had that phone number, I had no knowledge of it being opened in the first place, and can not be responsible for something I didn't do, give permission for even have awareness of!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am being charged finance charges from Synchrony Home Credit Card Company ( XXXX XXXX XXXX ), for an expired promotional purchase that is not displayed on my monthly statement. I called the company in XX/XX/2019 complaining about being charged interest without seeing the information on my statement. They refunded my interest, but they didn't tell me at that time I had 2 other outstanding balances that I was being charged interest on that was not displayed on my statement. When I called today to discuss they said I was being purposely obtuse and because I didn't ask them in XX/XX/2019 if I had any other outstanding balances that I was also paying interest on they did not have the obligation to tell me. They never disclosed I had 2 other hidden accounts that I was paying interest on. I have the funds in my checking account and could have paid the entire balance I owed in XXXX, but instead they deceived me by not disclosing on the phone or on the statement and I continued to pay interest when I did not need to.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These late payments are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. The law states that transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. Furthermore, you have also violated the Truth In Lending Act, more specifically, 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-06-18
Company: EQUIFAX, INC.
State: DE
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:
My Equifax credit report shows that there is and XXXX XXXX account. This account was opened on XX/XX/2010 at that time I was XXXX years old with no knowledge of credit. This account was not opened by myself and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2018-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citizens Bank- Again.

Payments that posted as pending on XX/XX/XXXX, showed a deduction in my balance on Citizens app. Then they were again deducted after three days. I telephoned my bank and the representative agreed with me. There are several mathmatecal errors showing my ( now lack ) of funds. I've caught Citizens using magic math in the past. Now, it's becoming an epidemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ID XXXX CFPB Write up ======================== 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. XXXXdept Of Ed - Other XXXXXXXX XXXX XXXX Bal : {$12000.00XXXX XXXX XXXX XXXX XXXX- has violated my rights. 

XXXX XXXX Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX  Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX 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 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