BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: SC
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 do not have a XXXX account and I have called XXXX and they do not have any open account past or previous in my name so how Experian is showing its accurate is not true because I have called every number to resolve and they do not have an account in my name period. I also need whatever Consumer Alert removed from my file because my It is affecting my husband and I getting a loan. I never placed a consumer alert on my file and I want it removed. 
Thank You. 
This complaint is for Experian Credit Bureau Agency.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2019-12-12
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection is an inappropriate action concerning dispute over rental agreement w/ early termination. There was no language in contract specifying termination conditions ; nonetheless we provided significant compensation and provided plenty of advanced notice. North Carolina law stipulates that property owners must make a good faith effort to rent property, but the company immediately notified us that they wanted to charge us an additional {$1400.00} above the {$5000.00} we offered as an early termination fee due to the fact that I was unemployed, having been laid off by my company. Property management company never followed state law, nor lease agreement attached, in executing a demand we pay {$1400.00} without any attempt to rent the property and before we had vacated premises. Therefore, company had no legal right to forward their unlawful request to a debt collection agency as their had been no extension of credit in this case. Research on our part has found the debt collection agency, Hunter Warfield,  has been cited in numerous complaints around the country for questionable debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX an affiliate of XXXX, has violated bankrutpcy laws by reporting a balance on our credit that was paid through bankruptcy and any other amounts were discharged. Additionally, the lender released the lien due to being paid through the bankruptcy. I am filing suit against 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 2021-11-19
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XXXX XXXX I mailed in a payment to comenirty bank for XXXX XXXX dollars and then on the XXXX of XXXX I made another payment of XXXX to pay off the credit card. That was not credit to my card untill. XXXX XXXX before the due date of XXXX XXXX now the bank have add a finance charge of XXXX for the month of XXXX. Because I decided to pay off the credit card. Before the due date.the bank is comenity bank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/XXXX )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: ENCORE CAPITAL GROUP 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: Was not notified of investigation status or results

Complaint:
I sent a letter to Midland Credit Management asking for : 1-validation of the debt-that is, the actual accounting. 
2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B.

not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: NY
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 was denied an extension of credit through XXXX XXXX XXXX  on XX/XX/2021 due to Experian furnishing inaccurate information on my report that was later deleted. the inquiry that XXXX mentioned in their letter of denial was because of a company called XXXX which you will see in the documents uploaded. Also after reviewing my most recent credit report that was sent out to me, I discovered even more inaccuracies not to mention i noticed XXXX XXXX showed up a few times and i never reached out to them for any credit purposes, so why are they accessing my information? Everything that was deleted ranged from names, addresses, phone numbers and hard and soft inquiries. 

This made me feel cheated because these companies are supposed to make sure we dont experience these things and then this happens. I suffered so much as a result of this from being denied credit making it seem like I have a bad reputation and not responsible. This caused me sooooooo much XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX amongst other things when i learned what Experian has willfully allowed to be put on my report despite the fact that it didn't even belong to me and was later removed after reaching and speaking to both of these companies. 

No one should ever have to suffer the way I did being a consumer and natural person, how am i supposed to trust these companies after this? I also want to point out these agencies giving miscellaneous companies access to my personal consumer report with out my express and written consent. Not only did they gain access illegally there wasn't even a permissible purpose for the access as these agencies always tend to point out when speaking with them.

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 2022-04-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a line of credit of {$4000.00} from Synchrony Bank ( XXXX ). I used the card for purchase two years ago. I have been making payments, and the balance is remaining {$350.00}. Suddenly, synchrony bank drastically reduced the credit line from {$4000.00} - {$350.00} and reported that I have a new usage of 96.29 %, which is wrong. When you subtract the {$4000.00} - {$350.00} I owed, it should have been XXXX remaining on the card. Since Synchrony chose to reduce the credit limit, why did the bank report that I used 96.29 % of the credit limit? This kind of reporting is very unfair and deceitful. I want them to report the correct usage because it is very unfair. Besides, i contacted the Bank on XX/XX/22 at around XXXX central time, the customer service personnel refused to resolve the matter. I offered to talk to a manager, the representative Hung-up phone on me. I have attached the evidence of the report i collected from " XXXX '' herein.

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 2021-11-19
Company: EQUIFAX, INC.
State: KS
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending multiple requests, I have not received any response up to this date. The inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my credit report : XXXX XXXXXXXX XXXX****Balance : {$2400.00} ; XXXX XXXXXXXXBalance : {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Once again, Citizens Bank uses creative manipulation of their timelines on my checking account to exact the maximum amount of overdraft fees, even when the account shows online that it is fine. I check my account first thing in the morning, midday and evening. I have copies of their creativity. As of right now they have charged me {$100.00} for 3 things, in which I do not know which ones it is. In addition I have made numerous cash and check deposits from my business, which to them is not on time even when it is the same day. I have complained to you before about them and they have returned some of my money, but not this time. I am seriously considering a class action suit, as I am sure there are many other customers in the same boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had to two accounts with American Express, cancelled one on XX/XX/XXXX and the second on XXXX/XXXX/XXXX. The first was cancelled - no issues. The account closed on XX/XX/XXXX has still not be been closed even though I called them on XXXX. I even mailed a letter complaining about the reason I closed the accounts, to no avail, and yet, the second account still remains open! I do have a problem with a company that ca n't process payment 8 days from the time I mail the check, and manage the to cash the check on the 9th day so that they charge an extortion rate interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
WELLS FARGO closed my consumer credit card account and refused to release the funds to offset the debt. This is a direct violation of 12 CFR 1026t.11 and my consumer rights. This account is subject to 18 USC 8 and the debt is not my debt. 

This is a notice of a billing error.

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 2017-04-25
Company: American Financial Resources, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Loan Assumption  closing on  XXXX   XXXX ,   XXXX   This has been a horrific process!    Original Loan f rom  XXXX  and  XXXX   XXXX   XXXX  AFR/ XXXX .    XXXX   XXXX   XXXX   XXXX , In  XXXX  was assumed by  XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   File #  XXXX  through  XXXX ,  XXXX .   We requested an assumption package from AFR per their request and was completed per their request in  XXXX  this process took approximate 5 months with numerous paperwork requests from both parties.   I have contacted  XXXX  and left numerous messages with no return calls. I have been receiving bills still on this home from AFR mortgage  XXXX  when  XXXX   XXXX   XXXX  has received bills from his assumed loan from AFR and is making payments, but yet I am still receiving bills. When I called AFR I was told they needed a copy of the Recorded agreement,  XXXX , and  XXXX . This should have all been taken care of through their own company/title company and subcontract company. I spoke with a supervisor  XXXX  who stated he was unable to assist me through customer service. Please Help! We closed on  XXXX   XXXX ,   XXXX   and this is still an issue.  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX  I have sent all the information that was given to me at closing,  XXXX  has all the copies because we closed at the house and he was the buyer/assumee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Checkr background reporting company has reported inaccurate information to XXXX and XXXX regarding an issue I had with USDA. The item was an administrative action that Checkr is reporting as if I am on a XXXX XXXX for criminal activity. This item is a dispute and was handled administratively, never adjudicated in a court of law, never a case or charge filed, and never a criminal or civil complaint filed against me in this matter. This was simple an administrative action to limit board members of the organization from using this service until the issue is resolved to satisfaction. 

Checkr 's report is misleading and inaccurate in that it reports this item as follows 1 ) Court Jurisdiction- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE. There is no such court jurisdiction - this information is inaccurate and misleading 2 ) Charge- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE DISQUALIFIED INDIVIDUALS LIST Disposition INDIVIDUAL TYPE : INSTITUTION RPI ; DISQUALIFIED There is and was never a charge associated with this issue in a court of law. This was simple an administrative action, not a case, charge or any such. 

I request this item be removed from this portion of the report, and re-issued to XXXX and XXXX as correction of items reported in error. Also I request information on how I can pursue damages for the loss of income in the amount of {$1200.00}, to date for lost income from XXXX since XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Phoenix Financial Services LLC
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on PHOENIX FINANCIAL SERVIC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX  has failed provide validation of this debt i allegdly owe they have failed to provide me any info after numerous attempts all  XXXX  credit bureaus have not investgated and or removed from my reports

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 2017-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Under the Consumer Financial Protection Bu reau ( CFPB ) new rules , dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.    Fair Review P rocess : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors those with decision-making power over the loan to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer In our case not matter have many times we have submitted the complete application and all requested documents to the Re- Entry, we are being den ied, by Wells Fargo Mortgage claiming  due to the property negative Net Present Value ( NPV ) evaluation and that we did not provide all the required documents.. When we request a full appraisal and which documents are missing in writing, we are b eing told by Wells Fargo Mortgage employees, We are not in Loan Modification Review  therefore we dont qualify for an appraisal to determine the correct NPV. This is a process the bank has implemented to make sure they can navigate around Dual Tracking Laws to deny a home owner from ever being consider for  a Loan Modifica tion and to unlawfully foreclose on home owners.   More disturbing, the re-entry never respond to us in writing nor even return numerous telephone calls to them.   No Foreclosure Sale Until All Other Alternatives Considered : Meanwhile Servicers must consider and respond to a borrowers application for a loan modification if it arrives at least 37 days before a scheduled foreclosure sale. If the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement.

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