BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Two recent inquiries to my Experian account that I did not initiate. I tried to call and you can't connect to a live person.The phone number only has automated answers. No email or chat options. This is beyond frustrating. Your credit report is one of the most important docs to a person. It affects everything. The law should require adequate access to live help. You can never get through to anybody.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Bread Financial 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:
Comenity Bank illegitimately closed my XXXX Account for no reason in XX/XX/2020. Comenity Bank then lowered credit limits for : XXXX  XXXX, XXXX, and XXXX XXXX XXXX cards as a result of a dispute I was handling with XXXX. Comenity bank improperly used information from dispute with XXXX and lowered my credit limits on all other credit cards severely negatively impacting my credit score, despite every other credit card being paid on time / no missed payments. I have attempted contact via phone and email to no avail to settle the dispute and restore my credit card limits which will also help restore my higher credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX  XXXX  XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX  ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX ) ; Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.

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 2017-06-29
Company: DYNAMIC RECOVERY SERVICES, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, XXXX XXXX XXXX claims I owe them XXXX dollars. I do not even know for what. They are trying to scam me. I want them to stop bothering me. I DO NOT OWE THEM ANYTHING BECAUSE I HAVE NEVER DONE BUSINESS WITH THEM

Company response to consumer: Untimely response
Consumer complaint received 2020-07-30
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I sent a certified letter to Debt Recovery solutions for debt validation. The letter arrived tot he company on XX/XX/2020. I mentioned in my validation letter to please provide me with competent evidence that i had any legal obligation to pay them. I mention to please reply within 30 days with proper documentation. I sent debt Validation letter packet for the company to complete and with return with the proper documentation. The company responded within the time frame but they sent a copy of a bill invoice saying this is their validation and if i could pay now. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of bill which proved nothing to me and then demanded payment without verifying anything to me. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If no their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately DRS didn't provide anything but a copy of a invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are inquiries on my TransUnion, XXXX, and XXXX that are not open lines of credit - I request that the CRAs remove these inquires immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
VA mortgage loan was put in forebearance  on XX/XX/XXXXXXXX  under the CARES Act. Received letter in XXXX that payment was late, contacted Freedom Mortgage and was told it was an error and that it would not be reported to credit agencies as late, but " paid as agreed ''. 

On XXXX XXXX, XXXX, I checked my credit reports due to the alert received about lowered credit score and Freedom Mortgage reported as late payment to all three credit reporting agencies dropping my credit score by 80 points. This is clear violation of CARES Act. I called mortgage company and was told they made a mistake and they would start a credit investigation on it. This however, will not make my credit score as high as it was before the mistake was made. They also reported late payment in XX/XX/XXXX, in error.

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 2022-02-18
Company: EGL US, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute regarding the incorrect items on my credit report it has been well over 30 days and I not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After not being told that there was at least a 1 month delay in receiving debit cards that would be shipped to me after opening the account, I went into the branch where a gentleman was happy to print me a card on the spot. This was never advertised as something that would be possible, nor was I told that they were way behind on sending out cards that were ordered on their website. Upon leaving the bank with my new debit card issued, I noticed that a {$5.00} fee was placed on my account that I was never told about for issuing the card. I called into their contact center and was told that a credit would appear on my account within 3 days, but that never happened either. I have had other issues with XXXX already, but this is really the last straw for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: AL
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 letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This CFPB 's Complaint refers to the prior CFPB Complaint # XXXX. 

Wells Fargo has NOT ADDRESSED this Consumer 's other Problematic Issues in the Prior Complaint with Wells Fargo 's Violations against Consumers, and the Legal Citations this Consumer had stated in the previous complaint. 

This second Wells Fargo letter was their Answer : was avoidance of this Banks BAD BUSINESS PRACTICES issues and the Consumer 's Legal Citations.. Refer to the [ ATTACHEMNT ] Wells Fargo makes mention to their Consumers of reporting their Refunds to the I.R.S.

do the injured Consumers to be prepared to possibly pay taxes on their court ordered Restitutions to their victims ; their Consumer s. 

It is the opinion of this Consumer is that WELLS FARGO IS QUILTY OF TAX AVAISON and the I.R.S.DOES NOT ACCEPT SXXXX COVER LETTERS FROM BUSINESS ENITYS. TO EXPLAIN THEIR MATH FIGURES. 

I.R.S.LOOKS AT THE MISSING ITIMIZED PAY STUB OF EACH OF THESE REFUNDS CHECKS THAT WAS MAILED OUT. 

REISSUE CHECKS SENT TO THIS CONSUMER.I am assured that by correcting Wells Fargo 's incompetency will defiantly cost OVER the additional amount of {$0.00} to compensate the Consumer for their time when the Consumers did not have these funds.

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 2021-06-02
Company: ENCORE CAPITAL GROUP 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... MIDLAND FUND ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madam, This is a follow-up to my complaint against Citibank ( Case # XXXX ). I received a response ( dated XX/XX/2023 ) from Citibank claiming the wire which was initiated through XXXX XXXX on XX/XX/2023 was was sent to XXXX XXXX XXXXXXXX on XX/XX/2023. The letter ( Citi Reference Number : XXXX ) advised that if the money ( XXXX ) has not been credited to the beneficiary ( XXXX XXXX ), to reach out to XXXX using the reference number XXXX. Today ( XX/XX/2023 ) I called XXXX XXXX who confirmed they had not received the money. I also followed up with XXXX who claimed they had not received the money on XX/XX/2023 ( as claimed by Citibank ) or any day thereafter. XXXXXXXX XXXX  XXXX advised that I ask Citibank to provide a proof of payment ( beyond the reference number ). I followed up with Citibank ( Citi Executive Response Team ) on XX/XX/2023 and spoke to a representative who had investigated this case. The representative was courteous and professional, but he said he could not do much more other than advising that I continue following up with XXXX XXXX XXXXXXXX ( the same bank that states they have not received the wire ). Citibank also indicated they are unable to provide any additional proof of payment beyond the reference number. This is certainly unacceptable. I am of the view that Citibank has the ability to reach out to XXXX XXXX XXXXXXXX, with whom they have a professional relationship, to settle this issue and have my money returned to me. 
Sincerely, 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 2020-10-02
Company: Experian Information Solutions Inc.
State: MA
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 sent certified letters disputing accounts that are reporting inaccurate on my credit report and all I get is the same results from the e-oscar system as verified and accurate. I'm at a point where i will file to sue in the small court against this company due to inaccurate reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not been able to obtain my credit score and information for Experian in over 1 year. I have called, went online and sent letters but none of those methods worked. My scores for XXXX  and XXXX  is over 740 but my information for Experian is not appearing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( TransUnion ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquires listed below. This inquiries were not authorized by me and I request removal right now. 
XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX [ If you have a lawyer, state that you have legal representation and provide that persons contact information ] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
UNAUTHORIZE INQUIRIES THAT DOES NOT BELONG 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 2021-06-02
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:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX  XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX Inquiry : XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Purchased sample XXXX products. The next month ( XXXX ) I was charged {$89.00} and {$89.00} for products that were not received. Notified Regions bank that they were not authorized transactions. The bank said they would file a dispute. Tried to contact the company charging my account but could not find out who they were or a phone number or email address. Now it happened again in XXXX. Same amounts. Regions bank customer service now states that there is no dispute filed on the XXXX transactions and that they can't do any thing about the unauthorized transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I XXXX XXXX contacted Receivables management corp about unconsented and fraudulent information that's being reported on my credit reports with XXXX, XXXX and XXXX. After I requested verification of the alleged debt a representative refused to send me any documentation. I am a victim of Identity theft and this information that is being reported to XXXX, XXXX  and XXXX  was unconsented and is a result of identity theft. Receivables management corp has violated my right to privacy pursuant to 15 USC 1692d ( 1 ) and 1681a ( 4 ) and I did so without my consent pursuant to 15 USC 1681b ( a ) ( 2 ) and has damaged my reputation and defamed my character. I have filed and Identity theft report with FTC in this matter. I have also sent an affidavit of truth stating the facts and citing all violations that were done with attached exhibits signed and notarized under the penalty of perjury, a cease and desist demanding they do not contact me through any and all mediums pursuant to 15 USC 1692c. ( C ) along with invoking my specified remedy as a consumer and original creditor pursuant to 15 USC 1692c. ( C ), a debt validation letter and an invoice for the 17 federally protected consumer rights that were violated under 15 USC 1692, 15 USC 1681, 15 USC 6802 and for actual damages of reputation and defamation of character sent via certified mail on XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation