BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: Experian Information Solutions 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:
As I taking an interest in my 3 major credit reports I found something rather odd. I went on the Experian site today XX/XX/XXXX and found that I have 20 inquiries! 20 really? 

I was not aloud to dispute any of them and was not able to get through to them because something was wrong with their phone system. Perhaps others having the same issue as me. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX This is insane!!! 20 inquiries? Where did they all come from. Something is wrong! 20 over the last two years? None of the other 2 have 20!!! And I don't even recognize some of these companies!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is connected to the one i filed ID XXXX, where they presented some documents that are partial or lacking some pages to it. I have some of the documents that they didn't submitted in response to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: OPORTUN FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting a Bankruptcy that is not on the other credit bureaus and has not proven or validated with any paper work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NV
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date:02/23/23 I looked at my credit report because I have huge goals. I am looking to Buy my first house. I wanted to make sure everything was reporting 1 00 % correct AND everything was accurate. Can you reinvestigate the completeness accuracy of the list of accounts below. 

Account name : XXXX XXXX account Number : XXXX investigate the completeness accuracy of every piece of information If its not accurate, please remove it from my credit report. 



Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness one! accuracy of every piece of information If its not accurate, please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: NPAS, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Our son was having difficulty XXXX and we took him to the emergency room on XX/XX/XXXX at the base hospital. The hospital did not have the proper tool necessary to treat him so they had him immediately transported to XXXX XXXX  in the next city. We heard nothing about any charges and then we received a bill saying we owed around {$350.00}. I immediately called the billing department for the hospital and spoke with an agent who stated that we owed that amount. I asked what was the bill for and he said he doesn't know. So I asked how can I pay for something but I do not know what the charges are for because we have never received a hospital bill because we have XXXX with the military and its always paid. He informed me to contact XXXX. I contacted XXXX and spoke with an agent named XXXX. She couldn't find what the charge was for and she said that it would be removed and to have the hospital contact XXXX if they are still sending bills or calling. I immediately informed the hospital billing department and the agent stated that he would look into the matter. We heard nothing for months so we assumed the issue was resolved. We received another bill in XX/XX/XXXX about the same issue. I called the hospitals billing department and spoke with another agent and he informed me that the amount was not removed and that we needed to pay a totally different amount that was on the bill. He couldn't figure out the numbers and he said that it had to be paid because XXXX only pays a portion. We called spoke to another agent and this agent claimed that the amount was for taking our son to a hospital that was not in the network. We explained that we did not voluntarily take him there, and that he was transported by the hospital. They stated that we still had to pay even though our daughter also was taken to that same hospital for XXXX and stayed almost 5 days and never had to pay. We set up the payment arrangements with the new amount given by an agent of {$380.00}. When I had my credit score checked for a loan, I was told that my credit score has dropped because of a {$14.00} collections debt from the hospital.We paid what we were told and now my credit has been affected. I paid the {$14.00} and I would like this removed from my credit.

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 2019-09-29
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 PHH Mortgage ( Ocwen Loan Servicing ) ( XXXX XXXX ) attorneys XXXX and XXXX sent me a default notice on post petition payments for XX/XX/2019 through XX/XX/2019 in the amounts of {$380.00} each. With {$150.00} in suspense. Total default {$1300.00}. I have payment history print out from the company 's web site that say different. I requested a MODIFICATION to stop any further action considering my chapter XXXX case will be paid in full in 4 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Heavens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX 15 USC 1681 Section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 2021-02-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TIAA Bank erroneously reported to all 3 credit bureaus erroneous information about our account and it has hurt our credit scores. Our mortgage went into forbearance under the Cares Act because of COVID. Our last payment was for XX/XX/XXXX and it was made in XXXX of XXXX. On XX/XX/XXXX, TIAA Bank, the lender, erroneously reported to XXXX XXXX & XXXX that the account was closed. Our account is not closed. Second, the mortgage lender reported to the credit bureaus erroneously that payments are " late, '' are " 180 days past due. '' Third, TIAA Bank erroneously reported incorrect balance due amounts, showing a balance increase between XX/XX/XXXX and XX/XX/XXXX. Our balance has not and should not have increased. When we brought this to the attention of TIAA Bank and their servicer XXXX, they said it should not have been reported closed, should not have been reported late, and the balance should not have gone up. However, they have not corrected it nor have they responded in writing of their intention to correct the problem. Their erroneous reports have caused our credit scores to drop significantly. My husband 's score dropped well over 100 points and he went from being in the XXXX 's to being in the XXXX 's. My score dropped as well. We have filed formal disputes with all three credit bureaus but this has been incredibly stressful to have our lender file so many erroneous things during this pandemic when we are already suffering in forbearance. We were promised by TIAA Bank there would be no negative consequences to asking for forbearance but they have ruined our credit and caused us to spend many hours disputing it. Your help is needed and you need to know how this bank has treated us during this stressful time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit is being messed up again afyer fixing it the last tiem and having loans taken off that were over XXXX XXXX XXXX and I have been XXXX for 10 years and haven't taken out any loans or been to school during this tiem. I had been forgiven due to XXXX and even the first round of relief I was forgiven as well. Now this new company edfinancial is harassing me and kot helping at all and made up amounts dates etc and refused to send me any information or even tell me how to log in and dispute anything. I've emailed multiple times and give information and proof and done everything asked of me and jow today on a Sunday I get email saying it's back on my transunion repot and only XXXX XXXX XXXX ... ..how is this possible? Even XXXX ago there was a pause on everyone 's payme to due to covid so how can I be responsible for any of this or the illegal intrestthey added during this time and never show em anything or speak to meor send me paperwork or proof when I ask for it. I am a XXXX single mother and I have XXXX as well so I don't deserve this run around and off XXXX on again with no answers this company is horrendous and mistreat everyone lies and ruins lives. I want help asap with this and for them to pay for their actions again myself and many others in the same boat. How is this legal? Another company can not without notifying you buy up debt and come after you yet here I am again 2 years later still figing when I wS forgiven

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 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
State: OH
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Comenity Bank, approved me for a XXXX XXXX XXXX in early 2021, and is declining transactions for my card when it is informing me that I have the available credit to use the card. The reason stated by Comenity Bank, was that I " made multiple payments on the account, '' which I did in order to honor my credit obligation in paying the balance owed for the account, and to avoid paying interest. Rather than meet the terms of the account agreement for the card, by crediting payments towards the balance for the card, and releasing the available credit to reflect the available credit that I am told I have on my account dashboard when I log in, Comenity bank is falsely stating I have available credit that I am not actually able to use the card for. 

Comenity bank is further stating I must wait 7 businesses days for a block on my account to be removed for all credit use, when previous payments are well beyond the clearing time frame, and when I have only tried to keep my account current and make payments to meet my credit obligation. 

I offered to call my bank with Comenity on the phone so that we they can verify payments were cleared, and they did not accept this solution. This has caused unnecessary embarrassment and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Regional Management Corporation
State: GA
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:
I recently tried to dispute this company off my credit report because I had insurance on the loan if I lost my job it would be covered. This was what was explained to me by the Loan officer. They closed my account back in XXXX. They have done hard pulls on my credit report after the loan was closed causing my score to drop and they just reopened the charged off account and adding fees showing that I now have late payments as of XX/XX/XXXX. They are trying to re-age my account, which is illegal, and I have NOT spoken with them since the beginning of XXXX and it was about the unemployment insurance to cover the loan, not any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2023-04-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX  : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation