BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: John C. Heath, Attorney at Law, PLLC
State: NY
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:
XXXX is reporting paid/closed accounts continuously on a yearly basis. These accounts are closed and XXXX must stop reporting and selling these closed/paid accounts to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Noticed on my credit reports a collection account Creditor XXXX XXXX XXXX. Collection agency is credit control corp. I contacted both and XXXX  has no record. Contacted credit control which again, no help. Explained to them that all medical is paid by Medicaid. They were not interested and told me to contact Medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am aware that credit agencies are required to allow credit freezes to protect our accounts by fraud. I created freezes at XXXX, XXXX  and finally Experian. The first two had no issues but Experian makes it difficult to create a freeze. When logging in their is no mention of " freeze '' on their menu. They have a paid product called " credit lock '' that they promote. There is a brief description how that differs from a " freeze ''. However, they have no hyperlinks available to select. After scrolling through there webpages I finally connected to help through their chatline. I was told to log into a different URL in order to manage a freeze. I was finally successful in doing so even though they use an arcane form to do so. 

My complaint is Experian should make a freeze option visible and readily available and once an account is established should not put somebody through the hoops of providing all the information they already have on file. It is obvious they wish to push an alternate paid product other than " freeze '' and that should not be accetable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-07-24
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get a copy of my equifax credit report online ( XXXX and XXXX worked fine ) and was unable to get a copy of my equifax report. one week later I tried to get a new mortgage from a bank, and they could not access my information on equifax. I called equifax and they will not tell me what the problem is. They told me " they will not finish '' their investigation of my report unless I send in documentation. I have to submit copies of my Social Security card, Prove my address, Photocopy of drivers license, IRS tax forms, ... I asked what the investigation/review was for they would n't tell me. XXXX XXXX told me they would n't do anything with my credit report unless I sent everything to them. I again asked why there is a review of my report and what that meant, she replied " i already told you you have to send in the information ''. I thought everyone could get a copy annually of their credit report. I guess you can unless they are magically reviewing it. Which has happened the last few years with equifax. I am only complaining this year because now it is affecting me getting a mortgage. My lender has a policy that they view all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Auto Trakk, LLC
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:
I have paid off XXXX completely for the amount that they stated I owe. The amount should have been listed as {$0.00} owed. They continuously report that no payments have been made or it is commonly reported wrong. I no longer owe this company anything and they refuse to report it accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Associates have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Portfolio Recovery continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Portfolio Recovery has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Portfolio Recovery have have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I called Wells Fargo Mortgage regarding an upcoming payment out of my escrow account. I asked for information provided by the fire district verifying that I owe this information. I was provided a parcel number that did not match my county parcel number. I told XXXX that I didnt owe that fire district that I paid a different fire district outside of my mortgage escrow for fire services. XXXX said they would research and give me a call back the next day. I requested a copy of what the fire district provided them. They didnt call. I called back to XXXX on XX/XX/XXXX at XXXX am CST and was on for an hour and was told they could not provide the information provided by the district because it was a spreadsheet that included other peoples information so I asked XXXX to provide me with a letter with the information which they said they could not provide. They said I could get it from the fire district to which I responded if I had the information I would not be asking them for it. I explained I had received my property tax information from the county & the info matched my escrow statement. I further explained that I had my property insurance info that matched my escrow statement. XXXX provided me the info verbally but would not provide it in writing. The representative XXXX operator XXXX stated the fire district info had my name, a parcel number, a billed amount which was sent XX/XX/XXXX. I explained that I didnt owe this money. He stated I could go to the district but they only had a POB and a phone number where no one answered the phone and the voice mail was full. I asked what due diligence did XXXX perform before adding this to my mortgage payment as this is the first time this was charged. No response was provided. I asked what information will they need from the fire district to remove it. XXXX stated an update from them or information from me. XXXX stated they have opened a case number to research which I was provided today.

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 2022-06-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a chime account and had money sent there and never got the card and they allowed someone to change my information, after fighting to get control of my account back I found out the money I had sent there was gone XXXX dollars I made a dispute and they returned XXXX dollars out of XXXX dollars and have refused to help me get the rest back, I have filed a police report and pressed charges and never used the virtual card they issue as I do not know how to use it or who accepts it it took me months to get my account back and get a real card activated to this account, I need help as I need this money for my medications and they keep closing my dispute in less then 24 hours obviously they do not care about someone stealing money sent to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
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 am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: BB&T CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
paying on my loan for over 72 months.. and interest continues to compound.. the loan I am under will have me paying for an additional year This loan has continued to occur miscellaneous fees that has me paying an interest rate owing additional money over the life of the loan this company practices should be illegal.. I will be taking a copy of my loan to A lawyer XXXX morning to find out my rights.. I am looking into suing this company to protect others that they maybe using these predatory practices on. Attached document shows loan should be completed as of XX/XX/XXXX.. I currently still owe XXXX as of XX/XX/XXXX when I called the creditor.. the explanation was because of late payment being a month behind they have charged me additional interest onto the loan each Month.. I am willing to talk to the media.. I will be speaking with jag and allowing them to use my payment history to see if they can have this company listed and banned due to their as one of theirpredatory loan practices to protect other young soldiers who may not have an understanding of loans and do not understand what companies like this does I contacted Regional Acceptance corporation in XXXX and in XXXX and they would not cancel the fees!

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 2020-01-03
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent balance.

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 2020-01-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: CA
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 went to the car dealership to purchase a vehicle and my credit was ran multiple times creating a series of Hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE READ MY COMPLAINT AND INVESTIGATE THOROUGHLY. IN XX/XX/XXXX MY IDENITY WAS STOLEN AND SOMEONE WAS LIVING AS ME IN XXXX XXXX NEVADA. I HAVE FAXED OVER SUPPORTING DOCUMENTS TO ALL PARTIES INVOLVED. XXXX XXXX, XXXX XXXX, TRANSUNION, XXXX, XXXX AND CFPB. I HAVE ENCLOSED 18 YEARS OF STATED ISSUED ID AND ALSO COLLECTION LETTERS FROM STATE OF ALABAMA FOR TAX YEARS XX/XX/XXXX-XX/XX/XXXX. HERE ARE MY CONCERNS. 1. I HAVE LIVED IN ALABAMA ALL MY LIFE 2. I HAVE 19 YEARS OF STATE ISSUED ID FROM ALABAMA 3. I HAVE COLLECTION LETTERS FROM DEPARTMENT OF REVENUE STATE OF ALABAMA WHERE I OWE TAXES FROM XX/XX/XXXX-XX/XX/XXXX. HOW IS THIS POSSIBLE IF I WAS IN XXXX XXXX NEVADA PLEASE BETTER RESEARCH AND REMOVE THESE ACCOUNTS IMMEDIATLEY FROM ALL 3 CREDIT BUREAUS

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 2020-01-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my 5th/3rd bank account for 1 year and 3 months as of this writing. Never been late with a payment. I transferred almost XXXX worth of balances to said card to open the account. Paid off the balance and use it every month for my cell phone. Minimal usage with perfect payment history. Now as of last week, the end of 2019, they have taken my XXXX limit and reduced it to XXXX. Hurting my credit score in the process. Lowering my available credit and increasing my credit usage. I called for a reason and they said it wasn't a mistake and that " some '' people had been labeled risky. I asked why i was risky due to my history with them. They said my personal history had nothing to do with the decision. That my credit score did. Mind you, i had been trying to buy a house and my mortgage company had pulled my credit a couple times. They said this is likely the reason but could not be sure due to privacy. 

TL/DR : Have a perfect payment record and use the card every month at 5th/3rd and they will reward you with a lower limit. My recommendation is to stay away from them as they treat their customers like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying for over a year to get my credit report from all  XXXX  credit bureaus. I keep sending them the information to obtain  XXXX , my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter.     And when they have sent me information it is in someone 's elses last name

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 2021-02-19
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. They have sent this delinquent account to RS Clark and Associates for collection and XXXX  is reporting RS Clark and Associates as a collection on my Credit Report. I have deputed twice with XXXX  and both times they have responded with results that the collection on my Credit Report is accurate. I have spoken with RS Clark and Associates and Mrs. XXXX has stated they are not reporting on my credit that this is a Credit Bureau issue that they are reporting incorrectly and that this could be a result of possibly because I have stayed in the same apartments before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Im am a XXXX XXXX XXXX XXXX  XXXX vet. I applied to have my mortgage payment changed due to being exempt from property taxes in The state of Texas. I have filed my XXXX with the State of Texas and have the approved exemption. My mortgage company Pennymac is still placing money in my escrow for Taxes. I called to have this fixed and they would only recognize a 50 percent exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: NJ
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: NJ
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation