BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
Midland funding has been reporting changes to my balance either up a few dollars or down a few dollars to keep my account in current bad standing but this account is paid in full and even if it wasn't the balance would not go up or down ( unless paid ) a few dollars at a time it was placed as a garnishment with a fixed amount. All of the Midland funding reports on my credit are inaccurate. These accounts were paid in full with my taxes. The last payment was in XXXX of 2021. They are still reporting that I owe the full amount. I have a letter from them and the judgement saying this debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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 disputed incorrect information on on 2 separate occasions waited the 30 days and did not receive a reposonse at all. One account was removed from my file and placed back on without any type of notice. My rights have been been violated as per the Fair Credit Act

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 2022-08-21
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:
This is pertaining to XXXX XXXX, XXXX, a collection company, that is reporting a {$95.00} balance on my Equifax credit report. I have contacted Equifax and the creditor asking them to provide evidence of this debt, however they have not responded. It has been months since I asked them to provide this information. They have not. 

Please assist and have Equifax remove this from my credit report since they have not provided proof of the debt. 

I am attaching a letter I sent to Equifax on XX/XX/2022 asking them to verify this debt and provide documentation. They have not responded. 

Please have them remove this item from my credit report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: Bread Financial Holdings, Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
Negligent to report accurate XXXX balance. Company has not reported since XXXX. 

XXXX account numbers on credit report- inaccurate. 
( XXXX and XXXX ) Agent explained that only XXXX XXXX XXXX. 
Company has not reported accurately since XXXX dur to a system upgrade, reported that they would update with credit bureaus within XXXX hours. Again, inaccurate. 

Request for XXXX balance letter could not be sent via email or system, only snail mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: CarMax, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called again on the XX/XX/XXXX was identified twice on the call, was passed to the XXXX team. The XXXX team then informed me I had to go to the branch to be identified and that they had no record of my XXXX previous visits to the branch despite me having provided them with the dates. The XXXX team then said that they were transferring my call to another team. I tried to not be transferred but they did it anyway. When I was transferred it went to an automated switchboard that asked me to chose from options on why I was calling. When I pressed option XXXX, it said that the branch was closed and for me to try again and disconnected the call. That was XXXX. I called again and my identity was checked again. I informed the operator of the complaints I had made to citi and several regulators. they then put me on hold while they would check my account. After XXXX mins of being on the call they came back and passed me to another team. They asked me why I was calling to which I responded I was calling to unblock my account. They asked more security questions. I asked for their name XXXX and said they can not provide their last name. They asked me to logout and then login to verify my identity on the citi app. I verified it on the app and they acknowledged it. Then they put me on hold again to verify the account. Its been XXXX on the call. They again refer back to the letter and were going to send a new one. I refused this and they mentioned they understand but they insisted that I needed to wait for a new letter to be sent today. While I asked to speak to someone with the authority to understand the size of the problem they disconnected the call. This was after XXXX mins on the second call.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Investigation took more than 30 days. letters were sent out on this date XX/XX/22

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 2022-11-25
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX transferred my mortgage to Selene who seem to manipulatively trying to take my property by giving limited information, notices, and now threatening with an intent to accelerate. I received my first notice on XXXX but could not make a payment until XX/XX/XXXX due to large unpaid paid utilities bills due to XXXX XXXX, so I attempted to make a payment ( XXXX ) XX/XX/XXXX, but could NOT make a payment on their website without paying over {$5000.00} which was a number I had never even seen before. So the system would NOT allow me to make a payment at all only pushing me further XXXX past due. 
Next, I receive a certified letter on XX/XX/XXXX ( a XXXX XXXX XXXX XXXX  later ) which threatens intent to accelerate if not paid in full within XXXX XXXX of the date of the letter and the date of the letter is XX/XX/XXXX so thats less than XXXX XXXX! They are greedy, aggressive and manipulative in their strategies to keep me past due. They mentioned a loan modification and for me to apply with XXXX XXXX XXXX XXXX XXXX ) which I completed applications with both and submitted all requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company fails to validate how they were able to verify the bankruptcy when court records reflects that they do not verify this information. meaning information reporting can be inaccurate and according to Fair credit reporting act its unsafe to verify through third party.

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 2022-08-21
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ian exiting forbearance and was approved for state grant it was approved and sent to my servicer Mr Cooper and they say they have yet to receive and this after I was approved for a loan mod that they sent with someone to my house only to deny the mod the next day I am now behind on my payment yet again because of this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX  XXXX Bankruptcy # XXXX filing. 

I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. 

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, so I was trying to pay for a subscription to watch anime show through XXXX so on the website it had a options to pay through XXXX I click that option when I get redirected to XXXX I could either use my XXXX card balance or add my banks debit card to my XXXX account. So I go to add my banks card I get denied twice. Okay so the third time I re put my debit card information on the XXXX website. I notice it asking for my last four of my social security number. At time I didnt think nothing of it. Because I thought XXXX wanted to verify that the debit card it mine. So once it click submit I received a notification about a hard inquiries from XXXX. so I dont have any credit. I have a clean slate. If I new it was a credit card application I wont put it through. And on that page it didnt ask me about no personal information like then you go apply for a credit card. It just ask for my debit card information. So I did end up calling XXXX customer service to ask about what had happened with my credit report a representative over the phone said he dont see me apply for a credit card or anything so he told me to call trans union and tell them to put it ask fraud because they cant find it.

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 2022-06-22
Company: ZIONS BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted this claim trough CFPB XXXX a couple of wees ago, for a dispute of 2 charges with my closed account at Amegy Bank I called today the customer service and after a long wait ( due the freeze status of my account ) I was informed that the dispute was approved and the funds will be deposit to my closed account in 2 days. 
I informed the situation that my account is closed but they couldnt give me more information of how to get that money.

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 2022-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX preferred # XXXX And XXXX XXXX XXXX closed A/c # 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 states a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Services , Inc furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Someone tried to open a Bank of America Credit Card in my name using my correct Social Security Number. Bank of America called me to confirm that I had tried to open a new account and I told the bank NO. 

Bank of America gave me the email and phone number of the individual who was trying to Impersonate me and open a credit card under my name. 

The individual who tried to fraud Bank of America using my identity has the following email and phone number. Please try to apprehend this individual ( s ). 

XXXX phone : XXXX Thank You

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 2022-11-25
Company: AmeriCollect
State: TN
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:
PLEASE SEE ATTACHMENTS. Americollect has completely disregarded my consumer rights. Violating the FDCPA, FCRA, XXXX, and XXXX laws. Americollect has used my identity without my consent by coercive and deceptive means for its own financial gain. Americollect claims the laws in which protect me allows them to violate me without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections XXXX within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
This is pertaining to the Attorney General - Child Support information on my Equifax credit report. It shows an open account balance of {$250000.00}, which is very much inaccurate. This account is closed and there is no balance due. This account is closed I have repeatedly asked Equifax to remove an account on my credit report that shows as opened and it is closed. I have provided documentation evidencing this. However, they continue to report it as open and it is negatively affecting my credit. 

Please assist in getting this resolved. I am providing documentation from the courts that this account is closed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
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:
Carrington Mortage bought my loan in XXXX of XXXX from XXXXXXXX XXXX, I found out about this around XXXX of XXXX. I spoke with XXXX XXXX and explained that I had been XXXX overseas since XX/XX/2022. I received an alert from XXXX XXXX that my mortgage had been reported as delinquent on XXXX XX/XX/2022 I contacted the Carrington mortgage company and spoke to an employee named XXXX ID # XXXX and explained to them that I had been making payments and I confirmed that the company had my documents showing I was military and was overseas on an XXXX XXXX XXXX and I had not received any notices of my payments being behind. I requested to speak to a supervisor and was transferred to a supervisor named XXXX ID # XXXX, the supervisor told me he would check with the reporting department and call back. XXXX XXXX XXXX called me back and explained to me that his company was well within the guidelines of reporting me due to the fact that my military documents were obtained by the previous loan company XXXX, he also stated that I had missed my XXXX payment and I was over 30 days delinquent. I have bank statements that show I made the following payments. XXXX payment was made after speaking with the supervisor to stop the company from sending additional delinquency notices. 
XXXX {$1800.00} XXXX - {$1400.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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: Information belongs to someone else

Complaint:
I have 3 medical collection accounts showing that dont belong to me. I have had these removed from one report but XXXX and Experian have investigated 3 times and refuse to remove information. I had XXXX and was able to get XXXX XXXX XXXX XXXX XXXX through market place which paid 100 % of my medical after a Small deductible which was made at XXXX. These charges are fraud! I have respectfully requested documents which have not been provided now I demand it be removed.

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