BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report first premier {$640.00} first progress {$150.00} discover {$530.00} XXXX {$1200.00} target {$270.00}

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 2019-12-31
Company: MSW Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the three major credit bureaus and MSW CAPITAL LLC to  verify an assumed debt of {$550.00} listed on my credit report. 
I also never received notice of debt to MSW or options to dispute or pay assumed debt.

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 2023-08-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-03-29
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
I received a late payment from Hyundai motor finance because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent Hyundai a letter explaining everything now XXXX is reporting different late payments on the XXXX website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on identity iq. Since its not reporting accurately Id request that all late payments from Hyundai be removed from my credit report with all 3 credit bureaus. Thank you in advance.

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 2017-05-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed a collection account on my credit fr om Hunter Warfield. The y never sent me a notice or anything telling me that they were reporting anything on my credit. They just put it on there. I sent for validation of the account over 45 days ago and they just ignored me and yet still are reporting this on my credit. They are in violation of the FAIR DEBT COLLECTION PRATICE ACT

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: TN
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 contacted the credit reporting agencies by mail disputing XXXX XXXX informing them that this account is a fraudulent and that my identity had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered into a covid-19 forbearance plan while loan was serviced by XXXX XXXX XXXX  XXXX The loan servicing was sold to Chase Bank shortly thereafter. Chase basically ignored the plan and they pulled payment from my account on both XX/XX/XXXX and XX/XX/XXXX, for payment of XXXX and XXXX. In essence they ignored the forbearance plan and brought me current as if I weren't on a plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Weber & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Weber & Associates has sent a second collection notice dated XX/XX/XXXX for a medical bill that was paid on XX/XX/XXXX. An e-mail was sent on XX/XX/XXXX after the first notice stating the  medical bill had been paid. They have ignored that e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I tried to use my BofA credit card on some purchases at the end of XXXX, but the charges were declined. Got in touch with the credit card customer service department and they informed me that my credit cards were closed. I went online trying to redeem the cash rewards that I accumulated, but the system won't allow, prompting me to call the phone number.

I called, and the customer service person can not help me with the redeem either. She said it might be due to the credit card closure, all rewards will be forfeited. I told her that I wasn't the person who closed the cards. BofA was the party decided to close them. If that was the case, they should honor and redeem all cash rewards that I earned. If they don't redeem me for the pending cash rewards because I haven't paid the credit card balance, I understood. But all cash rewards that I earned, I should be able to redeem them. The total cash rewards that I wasn't able to redeem is {$740.00}. Lots of monies in this kind of economy where everything is so expensive.

My advise to credit card consumers out there, redeem all your cash reward as soon as it is available. Do not accumulate and let them sit there. If the bank decides to close your accounts, you will lose all rewards you earned.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXXXXXX XXXX Reported XX/XX/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 2018-12-08
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB, " Rent Recovery Solutions '' is refusing to comply with the law. They have YET to supply me with proof that I owe them money and keep sending me documents that do not have my actual signature on it from ANOTHER COMPANY. Then, the only recent response from them was " The signatures on the contract are electronic and our client holds that they are valid. '' That is literally all that was sent to me in my previous complaint REQUESTING A CONTRACT BETWEEN ME AND " Rent Recovery Solutions ''. Please tell me how in the world this addresses the issue. It doesn't. ACCORDING TO THE FCRA & FDCPA, THIS IS NOT SUFFICIENT OR VALID. A contract between me and " Rent Recovery Solutions '' must be supplied to me, and if it is not, then they MUST DELETE this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive sent in request 8 times now to dispute everything on my clarity service report. I get some random generic letters in the mail missing all the information that the say that theyve disclosed and its like they dont want to dispute anything or do their job. XXXX XXXX report contains an accurate information, wrongly place/fraudulent inquiries bankruptcy that shouldnt be on there, and accounts that are more than seven years old and beyond the statute of limitations, I am being ran around in circles and its very frustrating and I feel like my rights to dispute in accurate information as a consumer are being violated. I need this situation taken seriously and all items on the report be disputed under the fair credit, reporting act, and all the wrong information deleted, and my report updated and a copy mailed to me.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
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 has continued to violate my consumer rights. I have disputed the credit transaction conducted by XXXX XXXX XXXX XXXX without my knowledge or consent on my credit report a number of times as this credit transaction should NOT be on my credit report. The CFPB has continuously and repeatedly closed my complaints with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by Congress, as the credit transaction involving XXXX XXXX XXXX XXXX is and has been in dispute and should not be reporting any information to my credit file. The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The XXXX XXXX XXXX XXXX accounts ( XXXX and XXXX ) should be deleted and blocked.

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 2022-01-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have filed several disputes to have incorrect info taken off of my report from experian and XXXX XXXX but have been unable to. Requested company send me a debt validation letter but all I receive is summary of account from debtor. Would like to see who open account date account was started last activity on account. My address is being reported wrong as well names on account. Was told I had to contact every company because they were reporting address wrong I receive all my bills at correct address will provide copies if need be. Employer reported wrong also. Please help resolved before I seek damages from all companies and people involved.

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 2022-03-23
Company: EQUIFAX, INC.
State: TN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Investigation took more than 30 days

Complaint:
I contacted two of the credit reporting agencies about 90 days ago, XXXX and Transunion, regarding a collection on my report of {$4400.00}. I requested that they provide me verifiable proof of this and the supporting documents, and that I wanted to dispute this. Only XXXX responded with a statement that they verified this. However, this does not comply with the FCRA, particularly sections XXXX and XXXX. I then wrote both bureaus that inasmuch as they had failed to comply with the law, this item should be deleted from my file. I have given this more time than the law provided. This misinformation has caused me a great deal of credit problems. 
Thank you. 
Respectfully submitted, 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 2023-08-21
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow analysis has typically been performed every XXXX. My mortgage company, Regions, is claiming they did a company wide escrow analysis in XXXX which caused mortgage payments to increase based on a projected amount that can't be confirmed or changed until XXXX XXXX. The escorw analyis was done 6 months earlier than it should have been and is increasing payment based on a projected amount that is not accurate. My escorw is not currently negative and will not be negative when the normal analysis is due in XXXX. Further, I have made extra payments into escorw each month to insure the escorw is not negative. 

The mortgage company is basically increasing payments to guarentee people go into default to force them into loan modifications at the current interest rate. There is no reason to increase payments before the escorw analysis is due, especially when, after the analysis was done early, the escrow is not negative. 

The mortgage company also told me that if I continue to pay the old mortgage payments they will put me into default, although interest and principal will be paid and it is still adding to the surplus already in my escorw.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2023-04-13
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to the neglience of this company and the information provided back in XXXX, the NSF fees caused, and a whole slew of other issues they caused with other bills, I paid my last XXXX payment on XX/XX/. It was not late. Considering all the mess they caused with the fees and getting behind on other bills, completely messing up my budget, I would think they would be a little more diligent and attentetive about my account. However thats not the case, in my case and histoically. I am still recovering from their neglience. As of today, XXXX, I got an email that there was a change in my credit report. I logged into to all the credit agencies and checked my credit reports to discover that BSI reported my XXXX payment as late. First off they messed my drafts up in XXXX and second I wasnt late. I have been totally stressed about all this and I have had to invest a lot of time and energy into fixing everything because of all this. I even spoke to an employee the last week of XXXX and inquired about being late, told them the date of the last payment of XXXX, and was told everything will be fine. And so it seems everytime, I again, was given false information. Called today, and a girl exclaimed that its only 16 days after the due date for it to be marked late, and transferred me in mid sentence to a voice mail box. I didnt ask to be involved with this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Lockhart, Morris & Montgomery Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by a Lockhart, Morris & Montgomery rep and  she threatened boldly me by stating " if i didn't pay back or give them some money they was going to damage my credit '' so i could not get nothing using credit this approximately happened around XX/XX/XXXX or XX/XX/XXXX of last year. I'm not sure what this debt is and they did not validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation