BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: Financial Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FINANCIAL RECOVERY SERVICES, INC On a letter Dated XX/XX/2019, In a written letter stated that I owe them {$1000.00} Dollars. I do not owe this debt and sending a written dispute concerning their written letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
While reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX AND XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX O XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : 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 XXXXL 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, please delete remove the unknown addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Early Warning Services, LLC
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 i made a payment using Zelle payment system. The amount was {$300.00} to XXXX XXXX. The transaction ID is XXXX. XXXX received the funds but did not give me the product. He would not meet me at the desired location of XXXX XXXX XXXX XXXX, XXXX XXXX. Hopefully this transaction can be reversed. Thank you for all the help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2021-11-20
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I am not an attorney nor am I a third party I am filing a complaint on behalf of myself because it is my legal right to do so. 
I was looking over my credit file and I just needed to update some things that are not current or accurate. The correct spelling of my name is XXXX XXXX XXXX please remove or delete any other spelling of my name it is name correct. I have several addresses on my credit report that are not mine please correct this at once, please. These are the incorrect addresses the should be removed : 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, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please delete remove the unknown addresses.

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 2017-02-17
Company: STATE FARM BANK, FSB
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
" State Farm Bank did not pay my local taxes in 2016 so I had to pay them. I contacted State Farm Bank and they said they would send me a check. This was in early XXXX. Since then, they have given me conflicting stories as to having sent the check or having not sent the check. Of course, you never speak to someone from State Farm Bank, you only get their call service. A supervisor today said the could not guarantee if I would ever get the money but if I did they would over-nite it to me. Not very reassuring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Nelnet, Inc.
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt has been paid in full but still reporting negatively and unpaid on my credit report hurting my credit score .The incorrect amount of the loan is also reporting on my credit report .i mailed letters to company to removed the wrong loan amount reporting & to update my account paid .I never received a response mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Credit Bureau Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In previous complaint,XXXX I advised that Credit Bureau Collection Services, had contacted my primary number. At that time they had taken part in 3rd party disclosure as advised in complaint listed. I at that time on XX/XX/18 I advised this company of my wish of a verbal cease and desist. Advising them to no longer contact myself by phone, I only wanted to correspond through my verified mail address. On XX/XX/XXXX  at or around XXXX I recived a call from this company from phone number listed ( XXXX ). They were attempting to collect the medical debt once again via phone. This company never supplied me with a validation of debt, nor a chain of custody agreement as I requested. They are now not only violating my rights as a consumer, and my legal verbally cease and desist order I provided them by again calling me, they are now also violating yet another law. They are foreshadowing the validation period, by attempting to collect and taking part in collection activity of the debt prior to myself being provided the validation paper work that I verbally requested on XX/XX/2018. The law states that they must refrain from collection activity for 30 days, after they hav supplied me with the validation paperwork I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EAST WEST BANK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with East West Bank. After sending money to my friend and missing their query e-mail for sending money to my friend ( acting like XXXX is supposed to explain anything for that ), my account got closed from their side. 

I would not judge their behavior on the account closure even if it's ridiculous and outrageous. My logic is that if that is their decision I don't want to keep my money at their bank anyway. 

The real unpleasant experience began when I finally got time to ask East West Bank for my around XXXX USD balance back. 

Almost no feedback was obtained. When I emailed their customer service side ( XXXX ) and very clearly instructed my money withdrawal to my XXXX XXXX account in my name, I got total to XXXX replies and numerous BOT auto-replies. 

In XXXX of them XXXX precious replies, they simply inform me that " For account closure, it will take up to 90 days. '' They take like less than 9 days to close my account for sending my friend money, now when I wish to take my money back from their closed account, it need 90 days. I don't remember signing up anything for that. What can possibly take so long? The account I required transferred to is in my name, not like they are going to check my name for 90 days. 

In my view, East West Bank is being straight arrogant both for little respond and unfair treatments for customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have recently ran my credit report with XXXX XXXX XXXX XXXX and I was told that my tesla finance auto loan does not show up on my credit report. 

I also ran through other credit report and it shows that I have no Auto Loan.

I would like to get this issue fixed so I can raise my credit score and also for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
This account has reached the required statute of limitations according to the state in Which I Reside, XXXX. This account has been reporting on my credit file for over the allowed time limit ; XXXX years. I have requested for this account to have been removed previously as it is affecting my ability to gain credit. This account has been paid off in full now for over XXXX years. I have attached a copy of the payment record for the aforementioned account reflecting that the last payment received for this account was in fact on XXXX which resulted in the account being paid in full. However, instead of deleting the account the credit bureaus are illegally updating the Date reported. I am requesting that this account be removed from my credit report as the credit reporting agencies are illegally reporting it after the statute of limitations have been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: KY
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:
I reviewed my Consumer Reports and noticed that I had few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and my report dont match up as seen in screen shots i sent. I have never been late on payments for the account : ( XXXX XXXX XXXX  XXXX ) : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2021-11-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made several requests for updated records regarding this account since XXXX. When the company charged off the said debt in XXXX, I requested debt validation as well as a XXXX form since they wrote the account off as a " profit-loss '' charge-off. To date, I have not received any information in regards to the XXXX that I requested. In fact, on XX/XX/XXXX on a called placed and taken by XXXX Customer Service Department from XXXX to XXXX, representative " XXXX XXXX XXXX did confirm that the company in fact DID not send the XXXX to indicate cancellation of debt since it was charged off. However, they have reported this account this as a loss to the XXXX XXXX XXXX but are still attempting to collect this debt from me through a third-party. This is illegal and fraudulent as I was told by the XXXX and advised that I submit a complaint here as well as referral to the IRS for investigation into this very common practice Synchrony Bank uses.

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 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit 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 2023-07-18
Company: United Shore Financial Services, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender : UWM New home purchase : XXXX Upcoming Taxes paid at closing Location : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX Hello I purchased my home with all upcoming taxes paid at closing. 
There was a tax bill due in XXXX. 

It wasnt until XXXX I discovered it had not been disbursed for payment. 

Sent email to lender to which in their confusion they stated I would need to pay out of pocket. I had to furnish all applicable documents highlighting the monies already paid into escrow to cover the taxes. 

After much back and forth they apologized and stated they would pay the unpaid delinquent taxes. 

It is now XXXX. My home has been purchased in a tax sale because UWM has made error after error and no corrective action has been made to protect me against a unpaid tax sale.

I have spent many hours via phone and email attempting to get UWM, the subject matter expert to correct their error with no resolve. 

In this time I have had anxiety and sickness due to their callousness and lack of professionalism in this matter. 

Ive been left vulnerable and now I am facing someone buying my home out from under me because of their wreck less and unethical behavior. 

I need help. I am not a subject matter expert in this field. I feel unprotected and attacked. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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: Information belongs to someone else

Complaint:
XXXX Overview Account number XXXX 15 Account status Late 30 days Available credit NA Reported balance {$23000.00} Credit utilization NA Date opened XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received letter that a toll debt was due from the Florida Turnpike. I paid the debt 3 years ago. Rather than listen to reason, the rep would only discuss that she can't see the original debt systems and she only knows what was referred to her. She even indicated that even if the original debt was settled I'd have to pay her additional collections fees. Lastly, she indicated I'd lose my car registration if I didn't pay. 

We're talking about a {$13.00} bill, which I obviously could just pay - but I'm very frustrated by the lack of accountability and the way the debt holder has distanced himself from the debt collector and just made it too administratively difficult to dispute - hence the customer will choose to double pay rather than jump through the hoops. I have a " receipt '' for the paid toll but it's just a line item in a 3 year old credit card bill, and they've since tacked on some fees so the amounts don't match, and they can't produce the original bill to show that the amounts would match. Due to the age of the debt, it's not something easily produced as a canceled check or something. 

The representative was reasonably rude about the whole thing and was making sarcastic comments when I offered to pay her something short of the balance just to make it go away. I mentioned to her several times that I thought she was being rude, and she informed me that I wasn't her customer, and this wasn't a customer service call ; and if I paid my bills, I wouldn't have to deal with people like her - or something substantially similar to that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
delete XXXX XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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