BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: AL
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 Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.

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 2017-10-23
Company: ALTERRA GROUP, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
my XXXX XXXX XXXX and XXXX tried to buy a home out in XXXX, GA with loan XXXX XXXX XXXX from ALTERRA HOME LOANS. we had the closing date to the new house XX/XX/XXXXand XX/XX/XXXX we had XXXX closing days and neither happened. my XXXX XXXX XXXX and XXXX did n't attend work that day like the previous day they had taken off due to the process. the closing day came and we did n't close due to XXXX 's XXXX. my husband and I had sold our mobile home and had to be out the house with XXXX our children ages XXXX and XXXX we had rented a XXXX to move our things at the end of it all we did n't get the house, we ad to put everything in a storage unit which cost {$180.00} per month, we were told that in a week everything would be solved. she once again lied only now blaming it on the program XXXX XXXX saying it was taking longer then usual, next her excuses where the underwriter needed more time or was asking for more proof, that the loan was n't approved, then she blamed it on the paperwork saying it was n't complete, the agent that was working with her that at first was our agent lost our original copies of our taxes his name is XXXX XXXX, he would send us to houses and give us codes to it, we only saw about XXXX houses. we decided to consult with another agent XXXX XXXX she said that we would get in trouble if we did that. we did n't speak to XXXX anymore and XXXX became our agent she is very professional and helped us out a lot. as a mentioned previously we had sold our mobile home we ended up living in a hotel for almost XXXX weeks with our children. my mother in law and husband missed days of work due to XXXX fault they lost time and money. we would try to call XXXX and shee would n't answer because we needed answers she would reply to us hours after or days later she would say everything was fine everything was under control which it was n't. we got tired of waiting for her and we procceded to speak to her supervisor from her branch he said that the problem would be fixed in XXXX weeks then it went up to XXXX weeks, and that we could go to a hotel in the mean time that they would refund the money back to us, they did n't do it then a week later the supervisor called me saying that the loan was not approved at all that they could n't do anything about it and that they would not refund us the money for the hotel. As you can see we ended up losing a lot of money and time and our children XXXX with us as well. alterra is XXXX of the XXXX loan company ever. I do not recommend them and neither do I recommend XXXX XXXX. 
THE HOUSE INSPECTION WAS {$350.00}, ERNEST MONEY {$500.00}, APPRAISAL {$500.00} UTILITY BILL {$350.00} ( light ), missed days of work ( mother in law ) {$700.00}, missed days of work ( husband ) {$700.00}, storage unit {$720.00} storage unit a month, hotel stay {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collection agency is reporting wrong informatiom to my credit report. For one the date they reported the account was opened is wrong. They have also stated that they are reporting on behalf of XXXX XXXX which is false. I have a letter from XXXX XXXX which proves the statements are false as well as the dates reported. This company cant verify this debt because they have nothing in writing or nothing that I signed from XXXX XXXX as it states in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CCS Financial Services, Inc.
State: WI
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:
I looked up my credit report and there is a debt on my credit report that is not mine. I have never had any type of debt with this company and do not know why they are reporting that I owe them. I have received several phone calls from them all times of the day and the phone calls are always very threatening. I have asked that they stop contacting me and that I do not owe them any money. The phone calls have continued, and the debt is on my credit report and negatively affecting my credit. 

Credit Collection Service Debt Amount : {$190.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Good evening, I opened a Wells Fargo checking account on XX/XX/XXXXand did so after being told that I would receive {$150.00} if I completed the steps required. When I opened this account I did so with the promise of {$150.00} after. The requirements were to make XXXX debit card purchases, which I did between XX/XX/XXXX andXX/XX/XXXXand to make at least XXXX purchases using my debit card loaded to a mobile wallet totaling at least {$10.00}, in which I made XXXX separate using XXXX XXXX on XX/XX/XXXX and a XXXX on XXXX. I 've made over XXXX since then. I completed the requirements. I originally received an acknowledgment e-mail from them on XX/XX/XXXX stating stating that " my bonus is ready '' and completed all of the requirements before XX/XX/XXXX. I 've already spoke to my local branch XXXX and was told XXXX months ago that it should post any day. OnXX/XX/XXXX I sent them a message through the website explaining my problem and was immediately told that I qualified but needed to fill out an XXXX and the money would be credited before XXXX. That same day I went into my local branch and filled XXXX out. I also filled out and mailed the package that they sent me. I received it on XXXX and mailed it the same day. I want to like this bank. I want to close my old account with another bank and transfer my money into this XXXX but how can I when they wo n't honor their obligations. I assume that they do n't pay anyone until they file multiple complaints. The time that I 've spent trying to rectify this is just ridiculous. Can you help me with this?

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 company is reporting a inaccurate account on my consumer report and has been doing so since XXXX I have sent numerous letters since XXXX asking for validation they did not provide any procedures and steps they took to validate this account but told me it is accurate. According to the fair credit reporting act every information being reported must be 100 % accurate and verifiable

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 2022-05-01
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account Number XXXX, Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Rights 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
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: AL
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 HAVE TRIED TO FIX THE PROBLEM SEVERAL TIMES, THE FOLLOWING ACCOUNTS ARE NOT MINE, I HAVE CONTACTED XXXX SEVERAL TIMES, THEY HAVE NOT PROVIDED ME WITH ANY SIGN CONTRACTS IN MY NAME OR ANY VALIDATION OF DEBTS, I HAVE BEEN A VICTIM OF IDENTITY THEFT, I AM ASKING THAT THE FOLLOWING ACCOUNS BE DELTED AND THE HARD UNAUTHORIZED INQUIRIES. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 
INQUIRIES, 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 explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account Number XXXX, Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Rights 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 explanation
Consumer complaint received 2022-05-01
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account Number XXXX, Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Rights 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: MI
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:
All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX  automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal loan servicer is Great Lakes. XX/XX/XXXX they posted an auto draft payment in the amount of {$460.00}. That date is part of the time allotted for administrative forbearance by the CARES act. According to XXXX XXXX Aid I may request this amount returned to me. Great Lakes also sent an email explaining they would not process auto payments during the forbearance. 

I began contacting Great Lakes XX/XX/XXXX. It took them 10 days to respond - they ask borrowers allow 1-2 business days. In their response they explained my refund was being processed and asked I allow 7 days to receive. XX/XX/XXXX, 9 days later, I had no refund and so I used their online complaint form to get the matter resolved. Their new response came the same day. This time they did not mention a refund and said someone may contact me within 7 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: MI
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:
All three ( 3 ) CRAs are continuing to run my disputes regarding the inaccurate information supplied by XXXX through the XXXX automated system, which simply updates data n credit files without verifying the accuracy of the information supplied by the data-furnisher. 

This process does not ensure the accuracy of the information and ignores the submitted documents, leaving the investigatory operations and document review entirely on the data-furnisher. 

That is, the CRAs are not conducting an independent investigation that evaluates the documents submitted. Submitted documentation is thus discarded by the CRAs in favor of " trusting '' the informatino supplied by the data-furnisher. 

The CRAs are supposed to conduct thourougha dn impartial evaluations of ALL documentation submited with a dispute and to conduct their investigation that reviews the documents submitted. By ignoring the documentation, or leaving it to the data-furnishers to inspect the validity of supplied documents, the CRAs are violating basic principles of due process -- it harms consumers.

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 2022-05-01
Company: Specialized Management Services, Inc.
State: MS
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:
It all stems from hospital bills. The hospital accepted payments, then turned it over to collections within 30 days. I set up payments with a previous representative with Specialized Management company. The accounts WERE NEVER reported as Late on my credit report. A new person took over my accounts. I actually paid off two of the accounts and she reported them as late, even though they were being paid as agreed. The balances were decreasing every month and the agreed payments were being made. A call was made and she was VERY rude and refused to listen. Actually hung up. I then paid off two accounts and it took 90 days to remove from my credit report! 90 days! Then three more accounts showed up. Instantly reported as late, even though I tried to make a payment at time of services with XXXX XXXX. XXXX said they would bill me. Never received a bill until Specialized Management sent a very nasty letter. I called specialized and they threatened me with my credit report if it wasnt paid in full. Due to past issues with this person, I decided to check my derogatory marks on my credit report and lo and behold, it was a lie!! It had ALREADY been reported. 
All I would like is my report to change from Late to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have contacted Portfolio Recovery Associates, LLC several times starting 2 weeks ago requesting a letter for proof that I paid my debt off in full, I have a XXXX balance, and the date it was paid off. When I paid it they told me they would mail a letter with all of the infor.ation on it and I have never received mail from them other than when they wanted my money. At first I was told they can not email it. I then asked to speak with someone different and they said within 24 hours ill habe a consent email and after I " sign '' that consent they will email me what I need. 2 days later I called back because I have not received a consent email. They had n't even sent it, I then asked for a manager who sent me the consent and then i once again had to call back and get angry to receive the email i need however all that letter said is amount settled. I have called everyday this week XX/XX/XXXX to XX/XX/XXXX and still have not received what I need. Gone through 3 different managers and every time it is some kind of excuse as to why and none of them are the same. I need a letter stating i have laid my debt in full, I have a XXXX balance, and the date I paid it on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Pinnacle Financial Group, Inc.
State: MD
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:
Reporting the incorrect amount. Falsey reporting Charged off. Please correct the balance or remove this. Please remove this due to statue of limitations being reached. Investigation has been tried 3 different times and the same results with nothing being changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
On Saturday XX/XX/XXXX I made a purchase at the XXXX in XXXX, SC. On Monday XX/XX/XXXX I checked our credit card statement online and discovered there were multiple unauthorized charges from XXXX online. We believe that someone either skimmed our information or someone at XXXX XXXX took the information from our purchase. We contacted our credit card provider and informed them of the fraud. They took all the information and suggested we file police reports. We filed police reports in XXXX, SC which is where we live. We also filed reports in XXXX, SC and XXXX XXXX, SC whoever Id where the merchandise was picked up at The XXXX in those XXXX towns. At first Bank of America removed the charges from our statement however after about 6 weeks they put them back on our statement. They also sent a letter stating our claim of fraud had been denied and we were responsible for the amounts. There are open police investigations in XXXX and XXXX XXXX. The email address used in the fraud with XXXX is not my address. I do not order merchandise online and pick at 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 monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: SC
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 called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 explanation