BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountainland Collection is reporting incorrectly to XXXX and XXXX a collection - account number XXXX. ( Please see page 5 of the attached credit report. ) This was a medical bill that was never submitted to the appropriate department at my insurance company and consequently this bill never got paid. When it finally came to my attention that there was an outstanding bill, it was too late and the bill was forwarded on to collections. I had tried to resolve this issue directly with my insurance company however every time I would call I would get transferred to a different department and was told by each representative that I was able to speak with that this bill would be re-submitted for payment and that it would not go to collections. When I obtained a copy of my most recent credit report, this collection item appeared. This incorrect reporting of a collection that should not be on my credit report is harming my credit score. I request that this line item be deleted or at a minimum change the coding error from an I9 to an I1.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by Kohls. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this Kohls account to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since 2014 I have credit card and almost 99.99 % of the time I have paid my bill 2 days in advance however this time I was surprise to see that I have been charged {$6.00} cent as an interest. When I call credit card company he said I may have paid my balance on due date and system did not get the payment that's why I have been charged. When I check, my due date was XX/XX/XXXX and as usual I paid two days in advance XX/XX/XXXX. When I told customer representative he just casually said its could be system mistake I will revert back charges. My question is on 1st why even I have been charged interest and now I have to check each of my bills since 2014 to check how many times I have been charged interest. This is not at all acceptable to me it seems fraud by credit card company. I am sure lots of user also have experience this issue and they may not aware of incorrect interest charge into credit card.

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 2020-12-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is like playing the child 's game Hokey Pokey. Medical Data Systems puts the debt and then they take it off. Since XXXX I've been disputing this account and now it pops back up on a recent credit monitoring report. I want this removed and all references to this account with any credit or medical bureau. Enough is enough!

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 2019-05-16
Company: AUTOMOTIVE CREDIT CORPORATION
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: Information belongs to someone else

Complaint:
I noticed the company Automotive Credit reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions.  The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!

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 2020-12-22
Company: LEXISNEXIS
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 initially filed complaint ID XXXX with CFPB in XXXX of XXXX hoping for a resolution of the original problem of a reported but INCORRECT auto insurance policy lapse. I have tried several times before to resolve the complaint with LexisNexis to no avail. This last time, in the complaint listed above, I used CFPB and got word that LexisNexis resolved the issue. Turns out they only said they resolved the issue, it still remains. Their correspondence to me tells of a resolution and yet when logging in to their website, looking at the pertinent info on page 31, under the heading Section 7, Record 1, Automobile Insurance Policies, under the heading " Policy Holder Details '' and under the sub-heading " Number of Policy Lapses '' it now correctly states 0 ( zero ) instead of the number 1 that used to be displayed. Problem now is that under policy lapse dates it STILL gives a Lapse Start Date of XX/XX/XXXX and a Lapse End Date of XX/XX/XXXX. 
THERE WAS NEVER A POLICY LAPSE! The letter I submitted from XXXX XXXX states this and now LexisNexis 's own report states 0 lapses and yet the report STILL gives these two start and end dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: NY
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:
The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made onXX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXXXXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx

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 2020-04-30
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRUIST FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I was denied for a home refinance loan this summer because of a negative item on my credit report from BB & T. Around the same time this happened, my husband started receiving calls from a debt collector on behalf of BB & T. Until that point, we had never even heard of BB & T. 

I have tried calling BB & T multiple times, but their phone IVR system makes it nearly impossible to talk to anyone if you dont have an account number and pin. When I was able to get ahold of someone XXXX XXXX XXXX, she confirmed that two fraudulent accounts were opened in my name at a bank branch in XXXX. I live in OH and have never been to XXXX. XXXX said she filed the fraud claim on the credit card account that was opened, but I would need to call a different number for the other account ( retail credit line ), which was the account that had charges on it. 

I talked to multiple people at 4 different phone numbers before talking to someone that told me she filed the claim and that someone would call me within 24 hours. That was nearly two weeks ago and I havent heard from anyone. 

I have also disputed this with XXXX XXXX, but they did not do their due diligence as is required by law. I filed a 2nd dispute that was never finished by XXXX XXXX also. This was before talking to BB & T.

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 2021-11-10
Company: AR Resources, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CBC Companies, Inc.
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 am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX , OH  XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have filed disputes with XXXX XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying thhat thhe account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different ig credit, different past due, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago

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 2019-09-13
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: Account information incorrect

Complaint:
This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. I asked them for statement and they did not respond nor have they ever sent me a statement. and pay off and they never responded to that either. The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX  they are just stealing money and ruining credit. I have filed complaint /dispute with Experian as well. I belive this is XXXX going by a different name.This is a scam loan and they never report correctly.

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 2018-01-29
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing has reneged multiple times on both written and verbal agreements that we have had since Harvey flooded my home in XX/XX/XXXX. I have yet to receive a single cent from the advance or final payment from my structural insurance checks. The construction on my home is 75 % complete. The original written and verbal instructions stated that I was to hire the contractor directly and that Ocwen would endorse my advance check, return it to me for deposit, and I would pay the contractor directly. I have documented 16 phone calls over 4 months. On XX/XX/18 XXXX XXXX told me that they have all required paperwork and Ocwen will immediately cut a check for my receipts. Subsequently, and in repeated phone calls, I was told that the " exception '' was rejected and that a committee has decided to release only {$40000.00} to me. As of XX/XX/XXXX, not even that check has been sent, even though I paid extra, via personal check to expedite it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-05-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So today ( XX/XX/2018 ) I woke up from a buzzing of my phone and saw that I have a lot of notification from Wells Fargo. Turns out my checking account is in $ XXXX because of {$140.00} auto-payment for my insurance ( which they should've took it out on the XX/XX/XXXX and the {$49.00} auto-payment for my internet. So at XXXX XXXX I called Wells Fargo because I thought there has been a mistake with my insurance company and I asked the lady if she can stop the overdraft fee that they were going to charge me ( because they charge fees right away ). She said that she can't stop it but I can give them a call back and they will refund it to me. Then I drove to the bank at XXXX XXXX and deposited {$180.00} in my checking account. When I opened my Wells Fargo app it says that I still owe them and my account now says $ XXXX. I called them right away and asked and they said it was because of the overdraft fee. Now I told the guy that I called earlier this morning about it and they said they would refund it to me ; he checked and said my account is not eligible for refund and that the fee will stay. I asked him the reason why it didn't show the fee earlier and he said it was because it's before XXXX XXXX. Now I totally understand that but I called before XXXX XXXX to stop the overdraft fee and told me they would refund it and now they're telling me they will not refund it. 

Wells Fargo have been doing shady things, cheating their customers and been stealing their customers money. It's such a disappointment that they never actually did anything to make their customers satisfied and happy. 

Oh and one thing. I know someone that works in Wells Fargo and she was telling everyone how satisfying it is to see someones account get overdraft and how they love charging them fees and taking the customers money. What a disappointment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX I disputed a charged off account from XXXX and XXXX with Experian, XXXX and XXXX XXXX due to incorrect " date of last payment '' ( XX/XX/XXXX ), charge off account balance is incorrect. They continue to report balance increases ( {$50.00} ) on a charged off / closed account. I sent written letters to the bureau to re-investigate and provide method of verification and I've received nothing but a simple " verified '' statement. I am entitled to an accurate and complete credit report. 
XXXX is reporting an incomplete and inaccurate account. I submitted an investigation dispute and received a simple " verified '' response. I requested a re-investigation of such with method of verification and, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section611, Subsection A-D, I demanded that they provide actual proof the information was verified, not a computer generated confirmation. 

1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information. 

I also wanted to know if the furnisher provided you with my SSN, address or DOB. 
All I received was a simple update of the following : Completed investigation of FCRA dispute - consumer disagrees.

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