BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never lived at this location. This location my be for my ex spouse. I reached out to FAIR COLLECTIONS & OUTSOURCING several times to state to them that this is not my account. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently on my XXXX report it is still showing on my report. This is affecting my ability to obtain new lines of credit and life and need to be taken off. 

Collection Agency : FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-24
Company: EQUIFAX, INC.
State: NC
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:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX   XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX  XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX   XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
When I got the card, I was happy to use the card. After I used it outside the XXXX store my fees were up to 29 % and I decided to pay it in full, unfortunately I am not agreeing on having a late payment reporting in my credit history

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I hope all is well! 
Recently, I did an investigation on my credit report which caused me severe stress and XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The incorrect information has not been corrected and they have been violating my rights for over 6 yrs. 

XXXX Showing both accounts ( Paid As Agreed Never Late ) PAANL Requesting XXXX XXXX TransUnion to correct the status : XXXX reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion reporting incorrect information ( 30 Days Late ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This was not done : I did not receive any such letter and all my attempts to remove this inaccurate information have been hurting my ability to get qualified 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 non-monetary relief
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While on vacation last month, I was talked into purchasing a membership with XXXX XXXX XXXX XXXX. I was very worked up during that meeting with my mother who has mental health issues, and it was not made clear what was happening during the meeting. I went back the following day to cancel the membership before anything would happen and I was told I couldn't cancel. Not only that when they took my Social security number they opened up 2 credit cards under my name. One with Bank Of America the other with XXXX. These cards they opened without my authorization, they put in a payment agreement. I contacted the banks immediately regarding the matter, and bank of america did not authorize the first payment they were charging of {$2100.00}. The other card with XXXX they put on an 8 month payment plan charging {$260.00} a month beginning in XX/XX/2019 I contacted XXXX. I have no use for the membership but as much as I tried to explain it to XXXX XXXX XXXX XXXX, they would not help me in anyway and became very rude. My current source of income is 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted them email mail no response

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!!! ASAP!!!

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 2023-08-07
Company: Experian Information Solutions Inc.
State: NJ
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2018-01-26
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I wrote to the CFPB LISTING complaint under XXXX XXXX/XXXX Master Participation Trust Fund and XXXX XXXX replied with written correspond3nce that it was determined after careful evaluation that they are the TRUSTEE for the trust which they failed to specify. They say they only handle issues with the trust and the servicer on the mortgage is the one that has the authority to handle collections, issues of foreclosure, staus of mortgage which according to these fabricated submission of Documents is CALIBER HOME LOANS. Now in XX/XX/XXXX I was served judgement of foreclosure by banks firm XXXX XXXX, XXXX XXXX, for XXXX XXXX as Trustee for XXXX. It is my understanding the servicer is the one with legal authority to collect on said monies they are stating are owed. However in XX/XX/XXXX, I wrote to the XXXX and NYS Attorney General and Caliber spoke to XXXX XXXX XXXX from XXXX and they stated I wasnt even in foreclosure or near that point, so then how am I being served thru the justice system a judgement and complaint foreclosure, and the servicer according to XXXX XXXX is the on, y one with authority to issue such claims. XXXX XXXX respresentimg the trustee or the trust which I can assume is XXXX XXXX. Are they in collaboration with the TRUST then to legally foreclose upon the request of the Trust. They are choosing to file papers illegally listing XXXX AND XXXX on papers without Calibers Knowledge. XXXX XXXX has not been abiding by the laws that are suppose to protect me. They filed In XX/XX/XXXX motions to the judge that their filed papers went unopposed by me the defendant and my attorney and both of us never received any documents. That was a lie and they continue to engage in unethical practices as my attorney filed For Bankruptcy in Federal Court in XX/XX/XXXX/ XX/XX/XXXX and while in Federal Court they filed motions in XX/XX/XXXX ,XX/XX/XXXX ; and in XX/XX/XXXX motions while I was still in Federal COURT and have violated federal that should have kept me protected under Federal Law while in Bankruptcy Court.until we withdrew case in XX/XX/XXXX/XX/XX/XXXX. They filed papers in XX/XX/XXXX which I was never informed about according to the county clerks records and was notified in XX/XX/XXXX for NOTICE OF Sale. XXXX XXXX must prove to me and the courts they have any legal right to proceed and if they do they need to go back to when they illegally motioned the court while I was in Federal cCourt snd Caliber needs to confirm any dealing with there Law Firm and tell them to recuse themselves because of their lack of following Federal Law that protected me under a Bankruptcy Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LEXIS NEXUS IS FALSELY REPORTING PUBLIC RECORD TO ALL BUREAUS CASE NO.XXXX. FOR SENIORS RECORD NOT JUNIORS RECORD IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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: Account information incorrect

Complaint:
XXXXXXXX XXXX for XXXX XXXX master card automatically renewed my credit card and charged XXXX dollars for the annual fee that isnt due until XXXX for {$100.00}. They turned it in to the Credit bureau and XXXX XXXX notified me of the change of score. My credit score dropped 32 points, per XXXX XXXX TransUnion report because of the increase of {$100.00}. I called XXXX XXXX and tried to discuss this problem with them but was told that they couldnt do anything but take me off of auto renewal. I tried to discuss this problem and was told they couldnt do anything about my credit score. This is unfair. I paid off the {$100.00} charge today, XX/XX/2021, that wasnt due until XX/XX/2021. I also told them to take me off of auto renewal. They did the same to me last year, This practice seems very unfair to me. I have been paying everything on time and trying to pay off items when I can. I have paid extra on my home and am trying to improve my credit score. Please help me to have this drop in score replaced back. 
Thank you, XXXX 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 2023-08-25
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX Missouri. I was informed that XXXX XXXX turned my medical debt over which I was paying them {$100.00} a month and they turned it over to a company called CACI. CACI contacted me via phone And asked me what payment I wanted to make on the loan since XXXX XXXX had sent it over to them. I informed them I was paying {$100.00} a month on a {$7900.00} debt which is now XXXX. I then made payments on time every month and I never missed a payment and I was always on time as it was agreed-upon by CACI to automatically withdraw from my bank account. CACI agreed to {$100.00} a month and I paid every month consistently. I made a report to the XXXX because I found on my credit report that they had put a non-collect a debt even though I was making payments on time. My credit report dropped XXXX points, CACI responded to the XXXX  and stated yes Ive made my payments on time consistently every month but until they get the debt paid in full, that will be remaining on my credit report and they will not take it off until it is paid in full. They never communicated to me. They never asked me if I could make a higher payment. They never called. They never sent any written messages. I want this removed from my credit report immediately because I have made payments on time to the agreed-upon amount by CACI. This is a XXXXXXXX XXXX and this is a strong arm tactic and they never notified me. They never gave me any information about the bill even though I requested it and I requested it again on the XXXX Please assist!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2019. Received a call from XXXX at Ally financial. She wanted to know when Im going to pay my auto loan. I told her she needs to contact my attorney. She responded you dont have an attorney. Continued to ask when Im going to pay. I repeated you need to contact my attorney. She then told me that if Im not going to comply we will send people to XXXX XXXX XXXX ( my house ). I told her multiple times you need to contact my attorney and each time she told me you dont have an attorney and that I have to deal with this myself. Eventually she said Im going to record that youre non-compliant and then hung up on me. Now all of this happened a month or longer AFTER I received my bankruptcy discharge from the court, which included my auto loan through Ally Financial. Never once did she ask for my attorneys name or phone number or anything. She literally just ignored the fact that I retained an attorney, filed bankruptcy and received a discharge. She threatened to send people to my house if I didnt pay. This is completely unacceptable! Not to mention illegal, I think. I was granted a discharge from the auto loan debt by the Courts and yet shes calling me to collect the money, ignoring my request to speak to my attorney and THREATENING to send people to where I live! I fell in hard times that lasted for several years, filing bankruptcy was not something I did lightly. It was an extremely stressful time, so much so that I began receiving medical care due to the stress & anxiety of trying to rebuild my life. Then when theres finally resolution and I can begin to get back to normal this woman calls and treats me that way. Please look into this matter for me. Thank 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 2023-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America : Balance {$1100.00} Account was closed and put into collections on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, ID XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-08-25
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I thought the debt was taken care of in bankruptcy 12 years ago they contacted me a couple of years ago I did not believe the debt they threatened to foreclose in XXXX I hired a attorney he was able to stop it then they have not called back we are unable to contact them I want to take care of 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 explanation
Consumer complaint received 2023-08-25
Company: AR Resources, Inc.
State: NJ
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:
VIOLATION OF FDCPA 15 USC 1692c (c)
 CEASE AND DESIST
 TO THE CFPB:
IN THIS COMPLAINT I AM SHOWING A WILLFUL VIOLATION OF A CEASE AND DESIST LETTER MAILED AND RECEIVED BY AR RESOURCES WITH PROOF THAT THE COLLECTION COMPANY SIGN AND ACKNOWLEDGE AND CONFIRM RECEIPT ON 08/12/2023. AS SHOWN BY THE U.S. POSTAL SERVICE CERTIFIED MAIL PROOF OF DELIVERY DOCUMENT.
WITH THIS BEING SAID AR RESOURCES WAS FULLY AWARE OF ME EXERCISING MY RIGHTS UNDER THE FDCPA 15 USC 1692c(c). WHICH I CLEARLY SPELLED OUT IN MY CEASE AND DESIST LETTER.
SINCE THEY DISREGARDED MY RIGHTS I WILL BE FILING LEGAL ACTION IN MY IN COURT OF MY HOME RESIDENTCY WHERE THE VIOLATIO OCCURRED. THIS WILL BE DONE.
ATTACHED TO THIS COMPLAINT YOU WILL FIND VERIFIED PROOF OF THE COMMUNICATION DOCUMENTED WITH DATE AND TIME OF COMMUNICATION COMING FROM AR RESOURCES OF WHEN THE VIOLATION OCCURRED XXXX  AT XXXXXXXX XXXX  FROM ONE OF THEIR BUSINESS NUMERS EXTENSIONS FROM THERE LOCATION.
THIS FDCPA VIOLATION OCCURRED AFTER RECEIVING THE CEASE AND DESIST LETTER ON XXXX XXXX  AS SHOWN BY THE ATTACHED DOCUMENTS. THIS SHOWS AR RESOURCES VIOLATION OF THE FDCPA AND CAN BE PROVEN IN A COURT OF LAW AND WILL BE PROVEN IN A COURT OF LAW.

Company response to consumer: Closed with explanation