BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Concentric Receivables Management, Ltd.
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: Information belongs to someone else

Complaint:
I had XXXX XXXX that I paid cash for the service. I paid the doctor and the facility in full at the time of the service. Over a year later, I see a derogatory mark on my credit. I called the company and they said I received a medical device and that I hadnt paid for it. 
I explained I never received the device and so I should not be responsible. They said you still owe us for it. I think this company is a scam and demand it be removed from my XXXX report. XXXX has already removed this from my credit. 
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information ( This section includes accounts that have been placed for collection with a collection agency. ) CONCENTRIC RECEIVABLES XXXX XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Account Number XXXX Status Date Date Reported Date Assigned XX/XX/2022 XX/XX/2022 Date of XXXX Delinquency Creditor Class XXXX XXXX Balance Date Balance Amount Page 3 of 26 Client Name CONCENTRIC RECEIVABLES MGMT Last Payment Date Whose Account Original Amount {$2900.00} ( Continued On Next Page ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SOMEONE OPENED A CREDIT CARD ACCOUNT WITH COMENITY CAPITAL BANKXXXX XXXXN MY NAME ON XX/XX/2021. THEN PROCEEDED TO CHARGE {$1100.00}. 
THERE WAS A HARD CREDIT PULL FROM MY CREDIT BUEARU. 
WE HAVE ALREADY FILED A FRAUD REPORT AND ALERT TO OUR ACCOUNT. 
WE WILL NOW PUT A CREDIT LOCK ON OUT CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JH Portfolio Debt Equities, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from XXXX XXXX. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that XXXX XXXX and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: NATIONS LENDING CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied to refinance my home in GA with XXXX mortgage loans. I was sent a good faith estimate from XXXX XXXX and other documents for the refinance and told that our closing costs would only be {$1000.00} due to a credit they were giving us. I actually re-affirmed this with the loan officer via email and he confirmed we 'd only have to pay {$1000.00} out of pocket. Our documents were submitted for underwriting and we were told everything went through fine by the loan processor XXXX XXXX. Then all of a sudden some other person named XXXX XXXX started contacting us from their retention department. They said we could no longer receive the credit and would need to have a total of {$2800.00} in closing cost. All of this was done over the phone. No reason was given for this increase. He said our loan officer made mistakes. He could not tell me what the mistakes were. I asked to speak to his supervisor and received a call from a XXXX XXXX ( sp? ). He could not tell me what mistakes were made either just that the closing cost were now {$2800.00} and they could not give us the promised credit. I feel this was a switch and bait tactic used to try and scam us out of {$2800.00} by presenting this information at closing time. I have emails of all conversations with the original loan officer clearly stating we would be given a credit for closing costs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about 30 days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.

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 2022-10-21
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I mailed out a Debt Validation Letter to Sierra Outsourcing Solutions. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices 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 2016-04-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BBVA Compass bank purposely places online deposit limits onto your account so that you can not put enough money into your account to pay your mortgage. Also, mishandles funds which result in overdraft fees. Mishandles checks and says they do not process because of lack of funds, which is not true, requests another check, then cashes both, which results in overdraft fees. Online banking updates are misleading, they update the mortgage payments online but while delaying updates to checking accounts which is also misleading and leads to more overdraft fees. Incompetence at all levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have several store cards and one general credit card with XXXX Bank ( now XXXX XXXX ). I have paid them all on time and some in full or down substantially over the last few months. XXXX has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.

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 2016-02-18
Company: JMS Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. 

He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. 

I 've faxed a cease and desist letter to stop all contact immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions Inc.
State: TN
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 complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key score factors that adversely affect my Experian credit score : SERIOUS DELINQUENCY. Note : According to Experian reporting, I have 11 open accounts, all of which have never been late. Note : According to Experian I have 12 closed accounts, 1 XXXX XXXX account paid off two years early when XXXX misreported a late payment in XXXX which I disputed ; 4 Department of Education Account closed, having never been late ; 1 XXXX XXXX XXXX XXXX loan closed, having never been late ; 1 XXXX XXXX XXXX account closed, having never been late ; 1 XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and XXXX XXXX and scheduled to drop from reporting in XX/XX/XXXX ; 4 XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate 1099 for each and scheduled to drop from reporting in XX/XX/XXXX. High Credit Use. Note : According to Experian reporting, they report two mutually exclusive factors. First, they report my ratio of revolving balance to credit limits is 96 %. Second, they report my Credit Utilization is 2 %. Third, they report my available credit is 98 %. Fourth, they report my credit card and retail debt is {$600.00}. Fifth, Experian is not publishing all of my credit cards, of which all but two have a {$0.00} balance. or line the 5 my ratio to limit is 2 % with credit availability of 98 %. Bad payment history. Note : According to Experian reporting there are seven accounts with previously missed payments. Few Accounts Paid on Time. Note : According to Experian reporting, I have 11 open accounts that have never been late, yet they report there are only 2 being paid as agreed. Again, this reporting is mutually exclusive and Experian is making damaging content up. In fact, I have 21 open accounts paid as agreed, but 10, Experian is not publishing, on information and belief, because doing so would mandate that my credit report be corrected and FICO Score increased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: AVANTE
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 years ago, I was paying off debt. Paid off everything I owed with XXXX hospital and XXXX hospital. I recently saw on my credit report that a collection agency is biengreported on my credit report saying I owe medical bills to XXXX and XXXX Hospital. So I called the hospitals and again they said I owed nothing. I have never received any notification from this collection company nice the hospitals which is the original creditor posted on this collection. I found out about this by viewing muy credit report. The collection company is XXXX XXXX for the amounts of {$770.00}, {$68.00}, {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
while living XXXX XXXX XXXX XXXX  I XXXX XXXX open a US bank Checking account in XXXX and I relocated to XXXX  in XXXX where there are no US Banks. On XXXX I called and requested that my checking account be closed and the representative stated that the remaining balance of XXXX will be mailed to my current address via a cashier check. On XXXX I received a postcard from US Bank stating that I have insufficient funds. I immediately called US Bank to inquire why I owe on a closed account and the representative relayed that a transaction was presented to the account on XXXX and was paid. I was given different reasons why the transaction was paid but could not get an answer to why a transaction was paid on a closed account, but was told that someone will give me a call within 48 hours. So I have no cashier 's check or no return phone call as of yet.

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 2022-10-21
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
They never respond to me and continually report wrong information on all 3 of my reports, I have submitted paperwork asking them to remove it from my report, this company Exeter finance has been reported to the XXXX XXXX XXXX for there unsavory practices to the consumer, they have had many complaints filed against them from consumers to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, i opened my account with Chime.com on XX/XX/XXXX. I deposited {$5000.00} into the account. However, my circumstances changed and i closed the account on XX/XX/XXXX. At the time of closing, i was told that i will get my check in 3-4 weeks - while this is very unusual, I had no choice but agree to it. I did not get my check by XX/XX/XXXX. I've sent multiple emails to customer service plus discussed on the phone - I keep being told everything is being expedited, but I still dont have my funds as of XX/XX/XXXX. To add, I don't understand what else i can do as my numerous emails and calls are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
RE XXXX I am not able to log into my complaint.I would like to provide you with an update.The evidence hearing in XXXX XXXX XXXX, Fl is set for XXXX XXXX issue also is when Ocwen sends mail via XXXX the tracking numbers are not tracable.The dispute now is over when the actual foreclosure proceedings were started vs when I received the final HAMP Mod papers to the local address while I was on contract in XXXX.I have the envelope and the return, drop off package receipt both have nontracable XXXX tracking numbers on it.I believe this is done on purpose.I have contacted the Attorney General of Fl.That office also has requested a response from Ocwen.Originally I was approved for a Hamp Mod but it was revoked by Ocwen with the explaination that the paperwork was not returned on time.I dropped it off on XXXX XXXX in XXXX, Nevada.XXXX number XXXX.Tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me. 
XXXX Account no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: DISCOVER BANK
State: IL
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:
This company is still reporting Ive tried to dispute and spoke with company still will not remove my name is XXXX XXXX XXXX I never applied for this account and Ive never lived at address they are reporting I would like to get this items removed as this isnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: United Group Inc.
State: OR
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:
On XX/XX/22 United Finance pulled a hard inquiry on my credit report. I have never at any point in time authorized them to run my credit report for any purpose, they are doing so fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I filled my account was single out as a test case to entrap older bankers or those who are under educated about the Banking process, in the very low-income area of XXXX, TN Beginning XXXX XXXX, 2015- XXXX XXXX, 2015 which cost me a heaping total of {$330.00} during the above time-line ; although they credit me {$180.00} back into my account I still filled violated and robbed of {$150.00} by my own bank also used!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Credit Karma, LLC
State: IL
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 HAVE DISCOVERED THAT UNDER 15 USC 6802- MY INFORMATION WAS DISCLOSED TO THIRD-PARTY AFFILIATES MULTIPLE TIMES.

Company response to consumer: Closed with explanation