BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My ex-wife still has the {$6000.00} diamond ring that I bought her on my ZALES credit care/Comenity Bank XXXX She says she doesn't have it anymore, but I can prove otherwise from recent photos of her wearing it. I've asked her several times to sell so I can pay back ZALES or Comenity Bank, however she refuses to do so. I have received calls and letters from Comenity Bank about paying back this debt. This is just a fraction of the {$200000.00} debt that my ex-wife put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Diversified Adjustment Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter on XXXX XXXX from Diversified Adjustment Service Inc stating that an alleged account through XXXX had been placed with them to collect XXXX. I responded to the letter by sending a certified debt validation letter. I had previously received a collection letter from a company called XXXX XXXX claiming they had received my information from XXXX trying to collect the same alleged debt. They had went so far to furnish it on my consumer report without validation. I sent them a validation letter and they ended up removing the collection. Fast forward to Diversified Adjustment harassing me about the same alleged debt. I sent them a validation letter and they sent back a statement/bill, nothing with my signature or how they even calculated the alleged amount diversified was accusing me of owing. I sent them back a letter stating the statement that was sent to me was incorrect and the information that was sent was not what I requested to validate the alleged debt. I went to check my consumer report and seen where Diversified had put the collection on my report. Diversified has violated my right to privacy as a Consumer and the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX  XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: MS
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:
Do not mark as Duplicate, this is an unresolved issue. Around XX/XX/2022 XXXX  XXXX pulled my credit profile without a credit application. please advise to send copy of credit application. if they can't provide proof of my verified information, then they lied in their investigation.

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 2019-06-16
Company: Mr. Cooper Group 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: Account information incorrect

Complaint:
Seterus is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to Seterus which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality Seterus should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which Seterus then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating Seterus knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... Seterus also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

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 2023-02-14
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:
15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX ( Bank ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX - XXXX ( Finance ) XXXX XXXX, XXXX Delete this item immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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:
This is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting Agencies are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I am submitting this complaint to request that the Credit reporting Agencies remove the following items compeletely from my Credit Report ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: ALLY FINANCIAL INC.
State: IA
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:
Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from credit karma, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence usedin Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
Sincerely, 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
They continue to report unverified information on my credit report that is not true nor verified.

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 2023-09-03
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have filed a dispute with Bank of America and the credit bureaus, I have never had a credit card with bank of America. Also how did a credit card with a XXXX limit end up being over {$6300.00}? This is not my account and was opened and used in id theft.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I reached out to this company because it appeared on my credit report. I called this company twice and they did not answer. They finally returned my call and was very rude and unhelpful. They informed me that 5 years after I moved out of my last location someone opened an account in my name. This account has been disputed in the past with a previous debt collector that transferred it to zions debt collectors. It was disputed as fraud. I have not lived at the said location since XXXX and due to that it was disputed with the credit bureaus and removed until apparently sold to zions debt collectors. It has since been in dispute again with all credit bureaus and currently under review. I have NEVER had a XXXX  account. I dont even know what XXXX is. All of my accounts that I currently have open are in Georgia and they are all in good standing. I have never opened this account and zions debt collectors are very rude. They need to complete their research before placing items on credit reports and help the consumer to resolve these issues as any other debt collector may. They were not helpful and basically told me they werent doing anything until I got it removed myself. This company is fraudulent!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
McCalla Raymer Leibert Pierce, LLC and PROF-2013-S3 XXXX, by XXXX, as Legal Title Trustee has engage in unfair practice by violating the FDCPA 1692f ( 6 ) ( a ) by sending a Notice of Foreclosure Sale date XX/XX/XXXX 

Taking or threatening to take any non - judicial action to effect dispossession of disablement of property if - there is no present right to possession of the property claimed as collateral through an enforceable security interest. 

McCalla Raymer Pierce , LLC a law firm who regularly engage in consumer debt collection, who litigates on behalf of its clients who principle purpose is debt collection qualifies as a third party debt collector as defined by the FDCPA 1692a ( 6 ). 
XXXX v, XXXX, 514 U.S. 291 ( XX/XX/XXXX ). 

The law firm was retained by clients that are not creditors or lenders, but are portfolio XXXX debt buyers / debt collectors who acquired defaulted loans after or has been discharged in bankruptcy, then regularly attempts to collect these debts, who principle purpose is debt collection. And who collect debt owed to another. 1692a ( 6 ). 

The law firm and their client has engaged in debt collection activity while attempting to enforce a security interest they do not own.15 U.S.C. 1692f ( 6 ) ( a ). 

They provided no verifiable proof of ownership as requested and no evidence of a chain of title proving possession of the original document that authorize the law firm to initiate a foreclosure action. 

McCalla Raymer Leibert Pierce, LLC was sent a written dispute letter within the 30 days as required by the 1692g. The law firm has violated 1692g ( b ) by failing to provide the verified documents as required under the under the ACT and initiated an unlawful foreclosure action while continuing to attempt to collect a debt. Birster v. America Home Mortgage Servicing XXXX Inc., 481 Fed. Appx.579 ( 11th Cir. XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Bryant, Hodge & Associates LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt was discharged in bankruptcy in XX/XX/XXXX. Received letter XX/XX/XXXX from 3rd party collection agency stating that I still owe original creditor. I called Bryant, Hodges & Associates, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XX/XX/XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I had a Bank of America Car Loan for a XXXX XXXX. The car was totaled as a result of flooding by my Insurance company ( XXXX ). XXXX paid the amount they valued my car replacement at which was around XXXX dollars less than what the loan amount was with Bank of America. I was never advised by Bank of America that I needed to pay the differential immediately or my account/debt would be written off and sent to collections. Bank of America continued billing me for my monthly car payments which I continued to pay on time. My impression was that I would do so until the loan was paid off. I had a perfect payment record with them. 

This weekend as I reviewed my accounts with bank of America Online and also to make a payment I noticed my account was no longer available and showing on the online portal. On Monday I received a notification from XXXX indicating that there had been a change to my credit report. I checked it and it was as a result of Bank of America charging off my account in the amount of XXXX dollars and sent to collections. My credit was damaged as a result, I called bank of America and after being able to get a hold of the correct department, I was treated in the most condescending manner, pretty much as a criminal that does not pay his debts and was told that they needed to collect on the loan. When I explained to them the situation and asked them why I was not made aware of this action prior to it being taken as i would have gladly paid off the remaining balance I was told that a letter was sent three months prior. I never received such a letter. The collections personal at Bank of America have refused to help me or tell me I have to speak to a supervisor. I have left my number but no one will call me. Bottom line I have been told that even if I pay the amount owed my credit report will remain damaged. I find this unilateral decision made by them with no prior notice troubling as they will not negotiate and will not accept any wrongdoing. I am more than willing to pay the amount owed ... as stated before I was paying them monthly since they were billing me ... .however, I think its fair that they reverse those entries into my credit report.

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