BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX/Comenity Bank continues to charge {$2.00} per month interest on an account that was closed in XX/XX/XXXX. However, I was billed another {$12.00} which I paid in XX/XX/XXXX. 

I have called XXXX XXXX several times relating to this issue. One customer Service Rep hung up on me. They continue to lie interest charges on a closed account.

One Rep state I had made a RECENT purchase. I have made no purchases from them since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Late last year i received a notification on a credit reporting agency of a major derogatory account from a debt collection agency named credence resource management, i contacted the company and informed them i did not have an account with them, they mentioned the debt was from XXXX XXXX XXXX XXXX, informed them i had not opened an XXXX XXXX XXXX XXXX  account, i contacted XXXX  credit report and they opened up a fraud claim, on XX/XX/XXXX i received a letter stating the account was now deleted from my credit report as they determined it was a fraudulent account, i now am receiving a new derogatory account on my credit report for the same account from a new debt collection agency, sunrise credit service. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account was deleted after my dispute was approved by XXXX XX/XX/XXXX - SUNRISE CREDIT SERVICE -fraudulent account, based on XXXX representative is a collection agency for the same XXXXXXXX XXXX account

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 2022-01-10
Company: EQUIFAX, 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:
I have sent letters to all XXXX credit bureaus ( XXXX, Equifax, XXXX ) for the past 6 months about inaccuracies on my credit report. All XXXX credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all XXXX credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all XXXX credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
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 regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over the past 5 years they keep putting my number into their automatic call system. I tell them to remove it and it start happening after about 6 months. they were calling every day at about XXXX for the last month XXXX 2017. I ignored it this time and finally called them and they said they would remove it again. I want them to remove my number permanently. They call from XXXX looking for a XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX. XXXX I went in for a XXXX XXXX preventative treatment ; I had them and my insurance company verify acceptance and coverage prior. I paid my {$75.00} co-pay each visit. There was no deductible. XXXX, totally covered. No issues whatsoever. Then they tell me to do an XXXX XXXX  to make my skin healthier for the XXXX. Also, they say covered. 
6 months later, I receive a bill for {$1000.00} 's owed to them. My insurance didnt cover all of it?? I sent in my claims from one insurance company and found out for another, they never filed the claims. They say they will fix it ... Several calls and emails later, they say they are working on it. XXXX in their billing dept. I assume its been sorted as I hear nothing and it is obvious I had 2 companies with insurance at different points. 
2 years later, I get a collections notice and multiple dings on my credit!! I look at XXXX and XXXX and find so, so many people have gone through the same thing. I tried disputing this activity on my credit reports to no avail. They are right, I am wrong and my credit rating is now affected. 
There are more things XXXX XXXX did, so far in the wrong- I stopped going, before this billing fraud ever happened. Very telling of their unethical practice.

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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/2019

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 2019-07-26
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:
After reviewing my credit report I noticed several fraudulent items.

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 2017-10-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. XXXX is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than 7 years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States XXXX  XXXX XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.

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 2022-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid off the loan of capital one auto on the date of XX/XX/2022 during business hours. On XXXX and XXXX report, it shows late payment for XX/XX/2022. I tried to reach out to the company to resolve the issue but they will not remove the inaccurate information. I have records to show I paid on XX/XX/2022. This need to be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Mr Cooper to INQUIRE about current rates so that I can determine if its worth it refinancing or not since I have excellent credit score of XXXX and no debt besides my house payment and car payment. I specifically stated I didnt want to do a loan application and the mortgage rep said she was NOT doing one. However, she did complete a loan application on my behalf so she lied. Then she advised I should take out extra money so that I can pay my car loan. Why would I do that if my car loan interest rate is 1.89 % and the rate she was trying to offer is 4.5 %?? 

This is the 2nd time they unethically do loan application without my permission. They purposely lie and mislead customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : TARGET/TD Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department of Education/XXXXt is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
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:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX company have multiple collections acont for the account from XXXX XXXX XXXX I Already pay the account and this company duplicate this account in my report and this affects Moro my credit

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 2021-07-22
Company: Upgrade, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid off this company for the entire balance owed on XX/XX/2021. First issue it took them almost a week and a half to post my payment. My available credit limit with this company is {$6000.00}. But I owed - {$5900.00} which was paid in full. Once paid I called and asked why it still showed a balance owed of {$280.00} which was my normal monthly payment up until that point. The first two calls I was told it didnt calculate right and would be removed. The 3rd call told me it was for interest. Which didnt make any sense. I was then told interest wasnt charged at the end of every month for my purchases like normal credit cards it was just added. Something Ive never heard of before and sounded as if they Just wanted more money. I advised I paid my total balance owed and no longer wanted this account due to shady practices and asked them to close it. Went through some disclosures and was advised it would be closed. I also requested that the account be adjusted Bc the balance is not owed. Nothing was done. I called again and requested the account closed and adjusted. Nothing done. I reported to the XXXX  and on each interaction I requested the account closed and is still opened today along with no adjustments. This was over a month and a half ago and is now still open and past due

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a credit card on XX/XX/XXXX through XXXX XXXX   branch in XXXX XXXX, Michigan. There were two credit inquires out of which I authorized only one on XX/XX/XXXX there is another credit inquiry on XX/XX/XXXX which I did not authorize. Recently I requested for upgrade of my secured credit card on XX/XX/XXXX through XXXX XXXX  branch in XXXX XXXX, Michigan for which I see a credit inquiry on XX/XX/XXXX but there is another credit inquiry on XXXX XXXX which I did not authorize.

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 2019-11-20
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've sent the credit bureau experian and XXXX   documentation and letters to update their inaccurate information. ive snet ftc reports dating back in XX/XX/2019 again in XXXX and XXXX they have fraudulent information reporting and all they do is say that the company has updated information without providing any documentation

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 2022-05-02
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account that has already been previously disputed under identity theft, is re-appearing as a collection on my consumer report. I did not know that after being resolved, my life could be put on hold again at the cost of identity theft that has been reported over and over. I can not believe this company is going above and beyond to ruin my life, and that my identity is still not being protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX 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 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions also have inquiries that do not belong to me. 

Experian XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2022-01-10
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied Business Services continues to call and text me regarding debt that is not mine for a client I have never associated with. I have tried to resolve this with them but they continue to contact me and attempt to collect imaginary debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  xxxxxxxx XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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