BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries. 

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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 2021-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My dispute for XXXX by chase was never investigated, the vendor provided Chase a bill and Chase used this information to award the vendor the disputed funds without proof enough of work done. Chase thereby did not act impartially, they did not provide me their client the opportunity to share my side of the dispute alongside of supportive facts and including a letter that was sent by my attorney stating the CPA did not abide to our contract and billed for work not approved by the client and not in line with the terms of our agreement. No attestation of proof and statements of facts were allowed or considered by Chase. They received the dispute on XX/XX/2021 and never contacted me until XX/XX/XXXX with their decision to award the disputed funds to the vendor. In addition since the CPA violated our agreement and his professional oath of confidentiality by sharing financial information in his description of the work which resulted in Chase decreasing my credit limit by XXXX although my credit profile ( use of card, credit balance and credit score ) have been the same for the last 5 years .I have never been late on payment, have a 660+ score and have paid down my card several times over the last 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CBC Companies, 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:
I have a Factual Data Credit Pull on my credit report dated XX/XX/2021. 
This hard credit pull was not authorized. 
I called XXXX XXXX  to ONLY inquire on how it works if we were wanting to pull our home equity out early. I only wanted information on how it works. 
The agent on the phone insisted I give her all of my information so she could pull up our current loan. 
I did not give permission in any form for a hard credit on our credit report. We were not asking for a loan at that time nor were we wanted to move forward in any way. The call was strickly to ask how pulling home equity early works. 

I am requesting that this hard credit pull be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: CA
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:
A couple of months ago. I contacted XXXX XXXX  XXXX company and I paid the bill in full for my XXXX XXXX XXXX XXXX Account. I have contacted Equifax 2 times and they have stated that the information is valid and that the account has been unpaid and they continue to document this inaccurate information. I have sent documentation of the status of the account being paid off. Please help me fix getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 the collection agency allied interstate LLC showed up on my credit report with any previous notifications or phone calls for the amount of XXXX dollars. I then try to call this company to get this verified or to why are they on my credit report i adk for verification of debt i was told that i had to go to original cretitor to verify the debt with will be XXXX XXXX. The problem here is allied interstate llc shows up on my report they cant verify the debt but not only that i have to verify with original creditor plus i was never notified on this debt. Allied interstate LLC should have some kind of debt ferification and contract as well they are reporting unverified information on my credit report. I do not have any documents because allied interstate llc does not have my adress and im unsure if I should tell them my adress as they may later try to use it to verify 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 2020-05-28
Company: EQUIFAX, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Collection Bureau of Kansas, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a parking ticket in XXXX, XXXX in XXXX XXXX KS. I contested the ticket and went to court in XXXX, XXXX. I lost the case and paid the fee the same day ( {$180.00} ). In XXXX, XXXX ( nearly 9 years later ) I received a collections notice from " Collection Bureau of Kansas '' asking for {$450.00} for this decade-old debt. I contacted the XXXX XXXX XXXX XXXX, KS who admitted that my cashed checked wasn't properly accounted for. However, since they sold the debt they couldn't fix it. 
I have provided evidence of paying the debt to the collection agency multiple times but they are still hassling me through multiple letters and calls since XXXX. I provided evidence of payment in XXXX, XXXX, and XXXX. 

Debt Agency : XXXX XXXX XXXX, DBA Collection Bureau of Kansas, XXXX, KS 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 2020-07-06
Company: Experian Information Solutions Inc.
State: MD
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 opted in for a forbearance with my mortgage company XXXX XXXX earlier this year due to COVID19 however, I NEVER stopped paying my month 's balance due and was never late. On XX/XX/2020 I requested to be taken off of forbearance under my account and credit reports. It has been over a month now and XXXX XXXX still has not notified the credit bureaus of this and it is heavily impacting my credit reporting. I have called them and asked to expedite and remove this however they are giving me the run around. It has been over a month and this continues to hurt my ability to take out new loans.

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 2018-02-07
Company: EQUIFAX, INC.
State: NM
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:
Equifax, XXXX  and XXXX XXXX are ignoring my request to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2020 I purchase an airline ticket for my daughter to travel from XXXX to California. The trip was cancelled on XX/XX/XXXX by the airline and my daughter was not able to flight back to America. 
I contacted multiple times XXXX to get my refund with not success. for that reason on XX/XX/2020 I open a dispute with Citi bank. and now Citi bank says that the merchant offer me a voucher. I want you to know that as of today XXXX said to me that they are waiting for XXXX to answer to issue a refund. 
Citi close my case and side with XXXX. 
I received two days ago an email from XXXX saying that they are waiting for XXXX   to issue the request. 
The issue here is that XXXX refuse to issue the refund and Citi bank side with them. 
My Dispute number with Citi is : 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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally

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 2020-02-19
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a bill from Mitchell D. Bluhm & Associates LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX saying that I have a balance {$980.00} from XXXX XXXX XXXX to pay {$580.00} ( 40 % ) and I need it to call them before XX/XX/2020 be in legal compliance. This balance is already showing on my Credit report. I call the company at XXXX on XX/XX/2020. I told the rep that I was willing to pay {$100.00} just to get it off my credit. The rep mistreated me. Told me that had to pay the full amount. I requested then documents to show me that it was actually my debt. The rep then hang up the call. I call again and then I was transfer to a Supervisor and she was more aggressive and demanded that I pay and they will keep it on my credit. If I did a payment plan they will keep it on my credit until I pay the full amount. Still refuse to give me any proof that the debt is mine. I told the rep that date on the bill is around when Hurricane Irma hit Florida. I was displaced for 20 days from my home. Again hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I moved out of the apartment in XXXX/ XX/XX/2017. I made {$100.00} payment in XXXX or XX/XX/2017. The original amount was over {$2000.00} so obviously a payment had been made ( exhibited on XXXX  credit report ). XXXX, the property manager told me that they no longer own the debt, therefore, how can they legally come after me? I reached out to her since I didn't trust Hunter Warfield. If only the original debtor can charge interest/ fees how is it mentioned in the summons if the property manager is alleging that they no longer own the debt? I also noticed the form was notarized in Tennessee. Thirdly, Hunter Warfield is reporting several discrepancies/ amounts across all three credit reporting agencies, this alone is grounds for removal. Also, when I called Hunter Warfield, they advised me that they can no longer collect on the debt, so why is it reported if they no longer own it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance 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 explanation
Consumer complaint received 2022-06-15
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I sent certified mail to the creditor per the information reported on my credit report ; however that certified mail was returned as not deliverable. So once I received this mail back ; I sent a copy of that returned mail along with a letter explaining this to Transunion on XX/XX/2018 due to inaccurate information being reported. I received their response that they " verified '' the information as accurate without changes.

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 2017-08-10
Company: EQUIFAX, 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 no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid 700. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELO with Fifth Third Bank. It is setup, as mandated by the Bank, for automatic interest payments to come out of our Fifth Third checking account every month. The bank required us to open the checking account for the HELO loan - it was mandatory for the HELO terms. The bank also said that ONLY interest will be taken out each month from the checking account, and that we would need to make a separate principle payment IN ADDITION to the auto withdraw.

Each month, I make one or two PRINCIPLE ONLY payments. I clearly note that it is principle only and I use Fifth Third 's online payment, by selecting OTHER  PAYMENT option rather than the Regular Monthly Payment ( which is interest only ) and in caps in the memo I clearly specify that it is Principle Only. The Regular Monthly Payment Option is only for interest, and is not selectable since I have the mandatory auto pay from the checking for that interest payment. 

I called the bank and they refused to reapply my PRINCIPLE ONLY payment to the principle. They said I would need to call back in 10 business days and make another request.

This is a common practice of Fifth Third bank and has been going on for over three years on both my mortgage and on my recent HELO. This banking practice makes it very difficult to paydown the balance and this practice should be illegal.

After a second call and a conversation with the Supervisor, I was finally able to have them curtail the payment to a PRINCIPLE ONLY payment. However, the XXXX said that they DO NOT take early payments. Fifth Third does not allow you to pay your mortgage payment ahead of time. So if I wanted to pay XXXX and XXXX mortgage payments in XXXX, I can't do that. If I want to pay my principle on my HELO down before they deduct the interest, I can't do that. THIS BANK MAKES IT IMPOSSIBLE TO PAY PRINICPLE DOWN EARLY on HELOs and to make advanced mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020,,, Contiued,, Issues That Was Not Finished Yet,,, My Feelings About These Issues Is Not Over Yet, This A Very Heart Felt Exprience That Took Place Old And New,, Yes I Stll Feel Overwhelmed About These Matters,, Now I Have Been Very Patience With These Matters,, About Still, No Response,, But Letters If This Bank Really Wanted To Take Care Of These Issues,, Move Forward And Do Something about,, These Matters Quickly,,, In Order To Move Pass Old Hurt,, Is To Fix The New Beginning,, Yes,, Do I See Them Trying To Fix This Mess,, No!!!,, Very Slow,,!!!,, I Would Appriecated If They Stop Senting Me Letters Of Lies, After Lies,, So UnAcceptable,, Start By Sending The ( TRUTH )!!!

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 2023-07-29
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting harassed by resurgent capital and XXXX XXXX  for a XXXX  debt I never had and never used. I have asked for verification numerous times and they keep sending me inadequate verification and no real verification like a sworn affidavit of account from original creditor etc. a matter of fact their debt buying contract says that the original creditor does not warrant these accounts and they know it. See attached verification they sent which is an account summary they created! These companies should be investigated and XXXX down for their predatory tactics and I can not imagine how many people in this country they have scammed that doesnt know the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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