BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my account. Please provide validation of debt, method of verification and Assignment of Debt. 

SUNRISE CREDIT SERVICE # 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 2019-08-13
Company: EQUIFAX, INC.
State: WA
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:
Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Experian is not properly reporting my balance for my XXXX XXXX credit card account also they are not reporting the correct credit score to XXXX XXXX my credit score is XXXX and they are reporting XXXX. And my balance on my credit card is XXXX Also I have been trying to get a credit limit increase from XXXX XXXX on my credit card and because Experian isnt reporting the correct credit score to them I keep getting denied. I want my correct credit score sent to XXXX XXXX and I want XXXX XXXX to increase my credit limit as much as possible hopefully to XXXX or XXXX please

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 2019-03-07
Company: Innovis
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( 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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
check attachment. NCB is in violation of 15 usc 1692e. ( 11 ) and 15 usc 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America made two insurance withdrawals from my loan escrow account in error to XXXX XXXX XXXX XXXX totaling {$16000.00}, XX/XX/XXXX {$4200.00}, and XX/XX/XXXX {$12000.00}. XXXX XXXX XXXX XXXX is not my insurance company. I switched my insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year to XXXX XXXX XXXX  on XX/XX/XXXX. I notified Bank of America three times that my new insurance company for the XX/XX/XXXX-XX/XX/XXXX policy year was XXXX XXXX. I used Bank of America 's preferred method of communication on XX/XX/XXXX,  XXXX. I received an email from Bank of America acknowledging the receipt of the insurance information. I called and notified Bank of America on XX/XX/XXXX after  seeing that a payment of {$4200.00} was made in error from my escrow account to XXXX XXXX on XX/XX/XXXX and requested assistance with getting the money returned to my escrow account. I called XXXX XXXX on XX/XX/XXXX and was told that NO payment had been made to my account. I also called XXXX XXXX  to see if the payment was made to them and was told that NO payment was made. I faxed the insurance information to Bank of America again on XX/XX/XXXX and requested assistance. On XX/XX/XXXX a  XX/XX/XXXX withdrawal of {$12000.00} was made from my loan escrow account to XXXX XXXX XXXX. I called Bank of America again on XX/XX/XXXX and spent 4 hours on hold and was told that they did not know what to do. 
I have confirmed with both XXXX XXXX or XXXX XXXX insurance that NO payments have been made. 

I am refinancing my loan and am being required to pay an additional $ XXXX in Escrow Overage due to Bank of Americas {$16000.00} error. No payments have been made to any insurance company. NO ONE has received the {$16000.00} that Bank of America shows as being withdrawn from my escrow account. I need help in correcting these errors and refunding my money. 

Please assist me in correcting these errors. 
XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00}

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 2020-11-21
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX = Received XXXX  report showing a XXXX XXXX inquiry/possible account opening. 
XX/XX/XXXX = ( XXXX XXXX ) Contacted XXXX XXXX customer service via XXXX and spoke with XXXX @ XXXX office. She transferred me to XXXX in the Security/Fraud Department. With a full name search he was able to find out that an investment account was opened, but flagged and closed. He told me there was no funding into the account and no transactions were processed. XXXX was unable to provide me with a written statement ( mailed or email ) stating this information but directed me to send a written letter to Charles Schwab & Co , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to XXXX XXXX via USPS Registered Mail to the XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address. 
XX/XX/XXXX = UPDATE : No communication from XXXX XXXX XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to via USPS Registered Mail to 1 ) Charles Schwab & Co , Inc., XXXX XXXX  XXXX, XXXX XXXX, CA XXXX and 2 ) via USPS First Class Mail to the XXXX XXXX Operation Center, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Complaint submitted to Consumer Financial Protection Bureau

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 2020-11-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX XXXX. My bill was processed under the name XXXX XXXX ( one word ). My name prior to marriage was XXXX [ XXXX XXXX ]. 

On XX/XX/XXXX I had a car accident in which I was not at fault. I was assured by XXXX XXXX  ( both my insurance company and person-at-faults insurance company ) that all expenses would be covered by the other partys insurance policy. 

A bill was never sent to me and I discovered a collection debt of {$900.00} ( before interest ) while checking my credit score. This was the sequence of events that took place. 

XX/XX/XXXX - Collection Filed Without Knowledge XX/XX/XXXX - I discovered the debt on XXXX. 

XX/XX/XXXX - I called the collections company Wakefield & Associates to ask them to provide a bill. I provided my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and they agreed to send a bill. 

A few days later I spoke to XXXX XXXX and they re-assured me that they will take care of the bill once I present it. 

I waited 45 days and never received a bill. 

XX/XX/XXXX - I called Wakefield & Associates and told them I have not received their bill. The man I spoke to was XXXX. He was abusive and rude and refused to send a bill, claiming he had already sent it and he was not going to send another. He said the only way to fix this is to pay by phone right now and he demanded my debit card information. I didnt want to pay because this bill is in error and I have still yet to receive it. 

On XX/XX/XXXX, I spoke to the company that handles the billing for the hospital and they agreed to send the original bill ( prior to collection ). 

They sent me a bill that has the description of the charges which total {$900.00} but the amount owed shows XXXX, since it has already been sold to Wakefield & Associates. 

Here is all the info from that bill : Physician group : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Location : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Primary Insurance : XXXX XXXX XXXX Account # XXXX XXXX Tax ID # XXXX - XXXX XXXX is responsible for paying this collection debt to Wakefield & Associates, not me. XXXX has already agreed to pay but I have not been able to obtain any information from the collection company to follow through with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: CO
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 have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XXXX and then again today. This company accessed my credit without written consent and are refusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO.
Account name XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record 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 2018-07-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On my credit report from Experian, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. Experian told me to send a letter for they could not find said acct over the phone. 

Experian also report an account from XXXX XXXX XXXX XXXX acct XXXX. I want that account to be erase from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX  from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. Experian did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Due to a hardship I fell behind on my mortgage payments and had to pay some of my payments late. Fortunately, I was able to bring them back to current status. But these late payments are still reporting on my credit report and affecting my credit score. I am asking for these late marks to be removed. This would help me tremendously in building credit worthiness. I have since set up my payments on auto draft and saved a few extra payments in case I fall on unexpected hard times in the future.

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 2020-05-27
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX I sent in an inquiry dispute to XXXX  for 13 inquires and Equifax for 7 inquiries being reported on my credit report in error. Along with this letter, I sent in copies of return receipts to each creditor on my report reporting inaccurate information.. On XX/XX/XXXX I sent certified letters to all 13 and 7 creditors on my report requesting proof that I I signed or gave permission to anyone from there company to run my credit. After 30 days I received no response from none of the 13 or 7 creditors reporting on my credit report. On XX/XX/XXXX I also sent letters to both listed creditors and credit bureau.. requesting validation again no response from the creditors and a letter from XXXX   stating that inquiries will stay on my report for 2 years. This is not the proof requested in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Selene Finance LP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since Selene Finance began servicing my mortgage on XX/XX/2019, they have charged me a grand total of {$8400.00} in fees, including an Advance Balance Fee of {$4900.00} on XX/XX/2019, when I received my first correspondence from them. My prior mortgage servicer, XXXX XXXX, had only charged me XXXX in fees, despite the fact that my account was in foreclosure status with the same attorney. 

The attachments include all statements from Selene Finance except for the XXXX statement, which is missing. I asked XXXX for a copy yesterday, and they indicated they would email it to me, which hasnt happened yet. Also attached are the original Validation of Debt Notice from Selene Finance, showing the Corporate Advance Balance and Other Charges, my last two statements from XXXX XXXX, including my statement from XX/XX/2019, showing that I only owed {$8000.00}. The last document is the foreclosure notice I received from XXXX, XXXX and XXXX last week indicating that I now somehow owe {$21000.00}. 

Per the spreadsheet attached, I am contesting {$8100.00} in fees that I believe are in bad faith and illegal under the FDCPA. Unless this matter can be resolved immediately, I will sue both Selene Finance and XXXX, XXXX XXXX XXXX for misrepresenting the amount that I owe and for trying to collect interest, fees, or other charges on top of the amount that I owe, unless the original contract and State law allows.

Company response to consumer: Closed with explanation