BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, I purchased a new vehicle and it was brought to my attention I had a collection account. The date of service was for a period of 18-days I was in the hospital in XXXX. My hospital stay and ALL SERVICES were covered 100 % by insurance as indicated by the billing I received within 30 days of my discharge. I pursued trying to get this collection removed. Initially, several phone calls were placed, however, the line was either never answered or it was answered and immediately hung up. Next, several letters were sent certified mail with no confirmation of delivery ( AWA Collection refused to sign for them ). 

This activity lasted a year. In XX/XX/XXXX, I contacted the hospital, as advised by my attorney. Within 72 hours, the hospital was able to confirm the invoice sent to AWA Collection by the medical group that performed the consult was void. All invoices should have been forwarded to my insurance for payment in a timely manner, this invoice was not.

The original creditor provided an account statement that indicated I have zero financial responsibility for this debt. AWA continues to re-report this collection as unpaid on my credit report after providing the reporting agencies with the authorization to remove it, The credit agencies ( XXXX ) removed it from my report only for AWA Collection to change the account number and then placed the collection back on my credit report the day it was removed. Each time they place the collection back on my credit report, especially by changing the account number - IS FRAUD! 

XXXX was contacted. They have concluded the reoccurrence of the AWA Collection is inaccurate, however, they can not stop AWA from placing a new account on my credit report every 30-days after it is removed legally by XXXX. 

Supporting Documents have been uploaded to CFPB via this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX17 my automatic mortgage payment deducted {$890.00} from my savings account to pay my mortgage. On the same date, I deposited {$900.00} to cover this amount in full. On my electronic statements both of these transactions are listed as being completed on XXXX17. I then received an insufficient funds notification. Their company policy according to service reps I have spoken to in the past is that if a deposit and withdrawal take place on the same date then there is technically no insufficient funds. The payment " presented '' the day before and therefore charged me for insufficient funds for a transaction that would take place the NEXT BUSINESS day.
Again, I am penalized for funds not being available the day BEFORE the financial transaction posted and was withdrawn from my account. Customer service argues the semantics of this magical " presentation '' of my payment rather than accept responsibility for an error in their policy vs 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 2022-09-08
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : 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 2021-09-24
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I first called Hyundai to have them transfer my title over to my local DMV. They sent me an email with information to fill in and was promised at most it would take two weeks for the DMV to receive. Since then I have sent this same email three times and have called XXXX customer service over 10 times by now. I called them this morning ( XX/XX/XXXX ) and was told by an automation I could not be helped and was hung up on. On XX/XX/XXXX, I called twice, where I was told that it would take two weeks for my title request to come through again. At that point it had already been 8 days. I have escalated this with a manager more than once, I call and ask about the status and there is always something that isn't correct or hasn't moved. I have also paid double insurance because my first insurance will not cancel without the transfer of plates, which is the fault of XXXX. I also want to be reimbursed for the XXXX $ it cost me. I have now paid TWO months of double car insurance and would like it to be refunded for both months. I am coming up to my third month of this. I still have had zero progress or help. I was given the incorrect address which the title was sent to, and have still not been able to reach anyone to have my title resent to the correct address.

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 2022-03-11
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
These are inaccurate, this should not be on my credit report, I demand it be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AES/PHEAA
State: CA
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:
In XXXX 2017 I sent FedLoan Servicing the requested paperwork to re-certify my Income Based Repayment Plan. I received emails from them stating they received my documentation, and then another email saying they needed extra time to process my paperwork. I never heard from them again and in XXXX 2017 I was billed the monthly payment for the Standard Repayment plan ( over {$2000.00} ) which I can not afford. I re-filled out another IBR request, received confirmation they received my materials, and have not received any other documentation from them. Currently my loans are listed as " in forbearance '' (?!?!?! ) and I will be billed ANOTHER {$2000.00} in six days. I do not have this money!!!! I have done nothing wrong, I have complied with the IBR re-certification rules, and I 'm not getting ANY communication or information from FedLoan Servicing about what happened to my applications or why I am in forbearance. It is worth noting, in XXXX 2017 I applied for consolidation after learning I might be eligible. I cancelled the request after learning I would lose years ' worth of PILF-focused IBR payments. I cancelled the consolidation request in early XXXX and received confirmation of the cancellation. A couple weeks later I got notification that my consolidation applicatoin was almost complete! I had to cancel it a SECOND time on XXXX XXXX, 2017. At this time I do not want to consolidate my loans. All I want is my IBR/RE-PAYE to be re-certified with my updated income and family size and to continue paying my loans and working towards PILF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below 1 ) XXXX Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX  # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

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 2022-03-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-06-26
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:
The report I sending is about the fraud accounts I found on my credit file.

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 2017-06-20
Company: Experian Information Solutions Inc.
State: FL
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 continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY 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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-16
Company: EQUIFAX, INC.
State: AZ
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 my 2nd complaint on this matter. EQUIFAX responded to my last complaint with a completely irrelevant response to the complaint. I stated EQUIFAX deleted 3 accounts and 10 inquiries I filed identity theft for. Although these are all deleted, EQUIFAX did not comply fully for violating my rights by not complying to the invoice for all violations they committed. I sent an Affidavit of Truth stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing these accounts and inquiries with out my written instruction to do so and attached an invoice to it. They did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
Years ago I had a sears credit card.Sears went out of buisness and I assumed the account was closed.The sears credit card was through citibank north america.Then, for some reason, I ended up with a shop your way card from citibank that showed up on my credit reports.I never signed up for a shop your way card through citibank nor did i ask for my sears card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask citibank to reopen the shop your way card when they said it was denied.Citibank needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX  '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/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 2019-03-21
Company: CITIBANK, N.A.
State: FL
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:
Without getting any warning, XXXX XXXX XXXX XXXX closed my account of almost 29 years. The credit card had not been used for over a year, since it is my emergency card and I havent needed to use it. 

Ive asked them to re-open the account, but I get a series of excuses. Since this was a card without a yearly service charge ( a remnant of my of job with XXXX XXXX XXXX ) and I always paid it off monthly, I suspect that this it was deemed unprofitable to keep it open.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I looked at my credit report an recognized inquiries I did not authorized. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) 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 explanation
Consumer complaint received 2017-06-23
Company: Amscot Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I went into Amscot Financial Services to cash an personal check. I was surprised they do not have restrooms for customer. And they are open 24 hours I spoke with XXXX supervisor on duty at amscot XXXX  location she said to call corporate at an XXXX number. I then proceeded to cash an personal check. And a teller at the window ask me a line of questions. If this is an payroll check, Do you work for that person, what is the phone number for the person who wrote the check. I said it is not my information to give out. He did not cash the check.i called the corporate office and spoke with XXXX who is the supervisor on duty .I addressed the restroom issue.and she looked up the reason why the check was not cashed she said because of contact information no phone number. I said her contact is her mailing address on the top right of the check. That was not satisfactory for Amscot in result i did not get the check cashed, also XXXX said XXXX XXXX XXXX did not have restrooms for costumer. which is not true. Completely unprofessional. And uncalled for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery systems have been attempting to collect a debt that have negatively impacted my credit score close to 6 months. I am completely unaware of what the debt is, I have tried to resolve this by placing disputes with every credit bureau and somehow the collections remains on my report. I have reached out to Midwest recoveries myself and I am constantly transferred from person to person and never get an answer about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: MS
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This notice with the CFPB serves as my written response to the Resurgent Acquisition LLC dated from their mailed letter XX/XX/22 that I have no knowledge of this alleged debt and request for it to to be sent back to the original creditor.

Company response to consumer: Closed with non-monetary relief