BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX  I rented a car from the  XXXX  at the  XXXX   XXXX , IA airport. I signed for all of the collision damage, personal effects, supplemental liability insurance. That night while parked the car was side-swiped with some paint damage. When I took it back to  XXXX , they saw on my receipt that I had the insurance and waived me along. Months later I started receiving calls about collecting a debt for that. I faxed the receipt that showed my signature in the insurance box and thought that was done. Now, just within the last few months I have been receiving calls and letters from the  TSI d ebt collection agency demanding  XXXX . I have kept the  XXXX  receipt all these years, thank goodness, and sent images via email to them . Thusfar I hav e not heard a response. I am very upset about this situation and would like to know what I can do.     Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TYPES OF FRAUDULENT TRANSACTIONS. 
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 non-monetary relief
Consumer complaint received 2022-11-25
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2017-05-16
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted this company on several different occassions. This debt was already resolved. The car was sold at the auction and there was no remaining balance. I contacted  XXXX  to retrieve the pay out documentation and they told me they no longer handled the account. I then requested that  XXXX  furnish me with the documenation however, they refuse to. I reside in the state of Maryland and anytime a vehicle is repossessed and resold documentation is of the date of sale, location of sale, and amount of sale must be provided to me. Previously this information was sent and it had a balance of {$0.00} however now this account is in collection. The credit bureaus have updated this account as verified but no information or documentation to validate this account was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I purchased a XXXX ( order number XXXX ) in the amount of {$3500.00}, which posted to CitiBank XXXX XXXX account on XX/XX/2022. The bed was purchased for XXXX XXXX XXXX, who is diagnosed and suffering from Stage XXXX XXXX and undergoing XXXX. Originally, the bed was scheduled to be delivered on XX/XX/2022. The delivery date was then postponed to Monday, XX/XX/2022. However, the driver then called and informed her they couldnt deliver the bed because it was damaged. ( See photos ). The delivery was then changed to XX/XX/2022, and then XX/XX/2022. On the XXXX failed date of delivery ( XX/XX/2022 ), XXXX XXXX XXXX received a call from the driver advising that the bed could not again be delivered because it was damaged. Please be advised that XXXX XXXX did not ever receive the merchandise as the drivers refused to even attempt delivery due to the damaged condition of the merchandise. I called XXXX numerous times and dates ( I have proof of the phone calls and various emails ) to obtain a resolution of this matter. I was advised by XXXX of XXXX on XX/XX/2022 that the bed would be delivered via XXXX XXXX and would be delivered undamaged on XX/XX/2022. The bed was then scheduled to be delivered on XX/XX/2022, between the hours of XXXX XXXX pm. I have repeatedly emailed and called ( see attached emails and photo proofs ) XXXX in a good faith effort to resolve this situation, to no avail. XXXX keeps promising to call me with an update and never do so. I have exhausted all recourses with XXXX. Now they won't return our calls. We want a refund as we have not received the XXXX we paid for! I have contacted CitiBank to have them fully refund the amount on my debit card as we have not received the bed that was purchased for a XXXX patient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has manipulated my mortgage and escrow. Secondly, Bank of America hire d a contractor (   XXXX   XXXX   ) to  take pictures of my home.  XXXX   XXXX  employees damaged my home and Bank of America charged for debris removal even though nothing was removed ( see pictu res ). I told Ba nk of America that I want to avoid foreclosure by selling my home or doing a deed in lieu of foreclosure ; Bank of America wo n't return my calls please help.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$7400.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
The  Tax Lien  information is incorrect, The account is showing on   XXXX   and Transunion.   Transunion :  XXXX   XXXX   XXXX   XXXX  Docket #  XXXX   XXXX  : Tax lien filed on   XXXX   XXXX     Type Tax lien Court number  XXXX  Case number  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 2017-05-08
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Closed a store card with  XXXX ,   XXXX   XXXX  , and paid the account in full. Bank charged a late fee despite account being closed and having a  XXXX  balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a   XXXX    balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-05-18
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX 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 XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I filed a dispute for a charge, in which I was scammed for {$450.00} on a digital purchase. XXXX Barclays accepted doctored evidence from the merchant and closed the case. 

On XX/XX/2023. I faxed evidence that the merchant scammed me, and they provided doctored evidence, and the case was re-opened. 

While the case is now re-opened and investigated, I noticed they are charging me interest on the disputed balance. Also, if I do not pay the minimum they will charge a late fee, and report this to the credit bureau. 

I called their support on XX/XX/2023 and spoke to the general support, dispute specialist, and account specialist. They confirmed the dispute has been re-opened and the investigation is ongoing but the charge is still on my account and that I need to keep paying the minimum and incur the interest charges, and it will be removed if I win the current dispute. 

I explained to them pursuant to the CFPB I can not incur fees on a billing dispute I've given written notice for, and that is open and being investigated. They offered no help and said there is nothing they could do. I will incur fees, and if I do not pay at least the minimum I will be charged late fees as well as then report the missed payments. I have this call recorded and can supply it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have  Ocwen as m y mortgage company, they are not applying my mortgage payments and keep mailing them back. They paid my taxes and I do not have them escrowed. they keep telling me I am 105 days late on my mortgage when I pay every month. I have been a nervous wreck over this in fear that they will start a foreclosure on my home. I can not attach any letters or correspondence that have been going back and forth, because there is a file folder very very thick. I kept everything. this has been going on for the past couple of years. I need help!!! I call them on a consistent basis and get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized by me nor was I ever doing business or trying to do business with the following they are fraudulent and unauthorized inquiries : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: VA
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:
This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need 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 explanation