BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
Complaint # 1 - I started contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy XXXX? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a Debit Collection Agency. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX Bank was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXX XXXX predatory loan service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a call on XXXX at XXXX am in regards to a complaint I made on Comenity Capital Bank through the CFPB website. The gentleman also said that my email of discrimination was received by XXXX which is the CEO of the company. The gentleman was not very informative when I asked him questions. The call came in from XXXX ( XXXX ) XXXX and I asked him several times can I reach him on this number to keep up with the investigation. He continued to tell me no and that there was not a sufficient phone I could call to speak with anyone. He said I would just have to wait until the investigation was done. I asked him what are they investigating and he still did not have the proper knowledge. He claimed to be the assistant yet he had no knowledge of my complaint nor was he interested in hearing about it either. On XXXX I tried calling the number he called from. The number is allegedly the complaints department so he was very deceptive to state he was the assistant that worked on side of XXXX. Every single time I called the number it tells me to leave a message no one is there to take a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
Upon looking over my credit reports Equifax, XXXX and XXXX, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
Equifax Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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:
XXXX and TransUnion failed to eliminate a re-aged debt in my credit report. 

The original debt was with XXXX XXXX XXXX and it is dated XX/XX/XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. Given the age of the debt, the obsolescence date for XXXX XXXX XXXX XXXX was XX/XX/XXXX ( 7 years and 180 days ). Despite this, the obsolescence of this debt was was extended by the collector, as it is reflected by both Credit Bureaus, until XX/XX/XXXX. 

It is my understanding, according to the Federal Credit Reporting Act, that the sale or transfer of a charged off account by an original creditor can not change the allowable period a credit bureau can report a delinquent account ; therefore, a debt collector can not change the 7-year and six months reporting period, which in my case is long overdue. 

Given that the date for the Compliance/Obsolescence Date can not be changed by the original creditor or any debt collector which purchases the delinquent account, I requested from both bureaus to eliminate this debt from my credit report, which was denied. I believe that the decision of these 2 Bureaus overlooked the fact that the debt was re-aged, as it had expired in XX/XX/XXXX. 

I respectfully request that you consider the above-mentioned facts, and provide remedy to what I understand is a mistake from the Collector and the aforementioned 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 non-monetary relief
Consumer complaint received 2019-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOV ASSOC HAS A COLLECTIONS ON MY CREDIT REPORT THAT IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
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: Other problem getting your report or credit score

Complaint:
Complaint # 1 - I started contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a XXXX XXXX XXXX. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX XXXX  was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXXXXXX XXXX predatory loan service practices.

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 2023-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 Account # XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XXXX 

XXXX {$7200.00} ( XXXX XXXX, and Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
Unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/2021 XXXX ( Retailer ) XX/XX/2021 XXXX XXXX ( Bank ) XX/XX/2021 XXXX  XXXX ( Bank ) XX/XX/2021 2021

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 2023-12-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant errors in my credit report, which I believe have resulted from the Bureau 's failure to adhere to proper procedures and maintain accurate information, as required by 1681 ( a ) ( i ) ( A ) of the Fair Credit Reporting Act ( FCRA ). I am a resident of New York and covered under the FCRA and New York General Business Law ( NY GBS ) as a consumer. The errors in question have persisted before, during, and after the dispute process, constituting violations of state law, FCRA, and NY GBS. I kindly request a thorough reinvestigation into the following discrepancies : Violation # XXXX : Notice to Delete Account Immediately XXXX Account # XXXX : Incomplete Reporting : The account opened in XX/XX/XXXX, but there is no information reported until XX/XX/XXXX. The frequency of payments due is unknown this constitutes illegal incomplete reporting. Missing Information : Data of last activity, first delinquency ( stated as XX/XX/XXXX ), and terms frequency are absent. this constitutes illegal incomplete reporting. Incorrect Account Status : Despite being listed as a collection account ( status C ), there is no corresponding entry under the collections section. Creditor Classification : The type of business for XXXX is marked as unknown, which should be corrected. this constitutes illegal inaccurate reporting. Date Closed : The entry for the date closed is missing, and it should, at the very least, reflect the date the account was paid. Incomplete Account History : The actual payments made do not reflect accurately, with high credit showing {$0.00} and an incomplete amount past due in XXXX of XXXX entries. These discrepancies not only violate the FCRA but also indicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy of my credit information, as required by 15 U.S.C. 1681e ( b ). I urge the Consumer Financial Protection Bureau to address these issues promptly and thoroughly. It is imperative that inaccurate and unverifiable information be either corrected or deleted from my credit report, in accordance with federal and state laws. This account is reporting illegally and needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sent me to collection via Aldous and Associates on XXXX XXXX XXXX  for the amount of {$3000.00}. 

I had initially signed up with XXXX on XXXX  and the following week began paying for a personal trainer. Within the next few weeks to a couple months XXXX began cancelling my appointments. Most were cancelled last minute. I was still charged for a few of these appointments. Then my personal trainer was fired. I contacted XXXX and it was agreed that I was not happy and did not wish to continue paying for services that were so easily cancelled at my expense. They were not holding up their end and I did not wish to continue. To this point I had paid for all appoinments including three cancellations that I paid for and never received. Then they send me to collections for an extraordinary amount of money beyond anything that ever happened. To this point they owe me for three appointments I paid for and they cancelled of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: IL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. ) Remitted payments to Bank of America every two weeks since the inception of the mortgage payment that equal an amount that is above and beyond the minimum amount due.

2. ) I have to call to request to the have the payment reapplied every month.

3. ) In XXXX, XXXX, XXXX and XXXX it took 20-23 days for the payment to reallocated. 
4. ) I remitted payments on XX/XX/21 {$900.00}, XX/XX/21 {$900.00} and requested they be reapplied to our minimum payment of {$1600.00} to satisfy the XXXX payment.. 
5. ) XXXX I received 4 phone calls in one day to let me know my account was past due.

6. ) After speaking to a competent supervisor, on XXXX I was advised that they made an error in requesting my payment be reapplied and only included 1 payment of {$900.00} 7. ) XXXX I received a call from XXXX ( supervisor for XXXX NC ) to let me know they are working on the matter. XXXXXXXX XXXX I receive another call from to advise that the account is past due ( XXXX XXXX. ) In total 6 phone calls in a two day period. 
There is sufficient funds to cover, interest, principal and escrow and yet I am being harassed. 
8. ) Bank of America collections agents believe that it legal to call someone up 4-6 times in one day. 
9. ) I have spent roughly 20 hours of my time trying to resolve this matter.

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