BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Us Bank Repoed my car XX/XX/XXXX told me I had until XX/XX/XXXX to Reclaim the car back on XX/XX/XXXX I went to the place they had my car Towed too the lady at the Window told me all she had was my Personal Belongings not the car come to find out on my Account with Us Bank they Sold my car on XX/XX/XXXX didn't tell me anything to this day I still don't know What Exactly Happened they Refuse to Accept that their the Blame for the Issue I have ask them to Delete this from my Credit Report and Stop Sending Derogatory Notes Stop Calling me because they were Wrong didn't even give me a Chance if anything they Owe me Some Money

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 2019-06-20
Company: 21ST MORTGAGE CORP.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification with my mortgage. I was told today that they closed the file today ( denied ) and they assessed a sale date for next week, XX/XX/2019. They closed my file and did not even give me a week before assessing a sale date. 

They also gave a reason for denial was that my home was a mobile home. It IS NOT a mobile home, it is manufactured on a permanent foundation and registered with the county as a Single Family Residence ( SFR ). 

This is NOT FAIR that they closed my file and assessed a sale date in less than 7 days on my property, not giving me any time to dispute or look for other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2020-04-13
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have numerous store credit cards through Comenity Bank. I don't have the best credit score, but I make my payments on time every month and have been trying to pay down the balances and making some progress in this regard. Over the past week, I've been flooded with emails from Comenity Bank saying that upon " review '' of my accounts they were lowering my credit limit. They lowered these cards to just above the balance that I owe. And one card that I had paid off, they just went ahead and closed. This has impacted my overall balance-to-limit ratio, or utilization rate, which will negatively impact my credit score as it now looks like I've maxed out all the cards I've been actually working hard to pay down. Here are the cards with decreased limits : Wayfair, XXXX, XXXX, XXXX, XXXX XXXX. This is the card they closed out because I had a {$0.00} balance : XXXX XXXX. As I said, I make payments on time on these accounts always. It appears obvious to me that this action has been taken due to Comenity 's fears of nonpayment during the coronavirus epidemic. This seems to be an unfair and unethical practice to me because my already less-than-stellar credit score is going to go down even further because they've lowered all these limits and closed account ( s ). From looking at chat message boards, this is happening to a lot of Comenity 's customers. I tried to call to express my concerns but the agent had no information, just reading from a script.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Requesting a copy of my signed application with terms and benefits. To answer whether Chase advertised for any credit for new applications on XXXXXXXX XXXX during XX/XX/2022 and specific dates and promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunuon continue reporting fraudulent info.When complaint is filled Transunion backs off and reports payment current, a month after again Transunion reports late payments.

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 2020-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that Bank of America recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. Bank of America doesn't manage your Fair Isaac Corporation ( FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear XXXX Consumer Assistance, I am writing to formally file a complaint regarding serious inaccuracies in my credit report, as well as potential violations of the Fair Credit Reporting Act ( FRCA ) ( 15 USC 44 ), 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ). These discrepancies and violations have raised significant concerns and have had a negative impact on my financial standing. 

Upon reviewing my credit report, I discovered several errors that are affecting my creditworthiness and financial opportunities. The inaccuracies include incorrect account information, unauthorized inquiries, and data that does not align with my financial history. These errors not only harm my financial well-being but also raise questions about the accuracy and integrity of the credit reporting process. 

I am concerned that these inaccuracies may constitute violations of the FRCA, a federal statute designed to ensure the fair and accurate reporting of consumer credit information. Additionally, I believe that XXXX may be in breach of federal regulations regarding the power and duties of credit reporting agencies, as outlined in 12 USC 83 ( a ) and 12 USC 1431. The Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) ) also mandates the protection of personal information and data accuracy, which is crucial in maintaining the integrity of consumer credit reports. 

I request an immediate and thorough investigation into the discrepancies in my credit report and their implications for my creditworthiness. I also urge XXXX to take corrective actions promptly, including the removal of inaccurate information and the rectification of unauthorized inquiries. Moreover, I request that XXXX ensures strict compliance with the FRCA, 12 USC 83 ( a ), 12 USC 1431, and the Privacy Act ( 5 USC 552a ( 1 ) ( 3 ) in all credit reporting activities. 

I expect a written response to this complaint, outlining the steps taken to rectify the inaccuracies in my credit report, and to ensure full compliance with federal regulations and consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring the integrity of 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
Consumer complaint received 2022-12-21
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:
This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.

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 2021-11-18
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice from the XXXX XXXX XXXX in Washington XXXX of an unpaid parking ticket that dated back several years. I never knew I'd been issued the ticket, but promptly paid the total due of {$70.00} upon receiving notice of this debt. This payment was made on XX/XX/XXXX and I can provide confirmation of payment from the court which includes the original invoice number. 

This week -- week of XX/XX/XXXX -- I received a letter dated XX/XX/XXXX from a Texas entity, " XXXX XXXX XXXX XXXX XXXX '' attempting to collect on this debt. As I mentioned, the debt was paid more than a year ago, and the invoice is closed. XXXX XXXX XXXX had confirmed receipt of this payment ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX Experian General Counsel sent consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer met criterion of Experian ADR program provided civil judgment for release of satisfaction ; his Confidential and Personal Information was unlawfully obtain for goods and services by ( XXXX  ) XXXX XXXX XXXX Dept of Social Services ; Department of Social Services ( DSS ) and administrative units of XXXX  Human Resources Administration ( HRA ) and XXXX County Support Collection Unit. There client or applicant XXXX XXXX admonition before XXXX County Criminal Court did impersonate the consumer. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian  Information Systems or Experian  Consumer Services failure to reinvestigate ( 1 ) the erroneous or false reporting of XXXX  account XXXX presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CFPA 125531 ( a ) 5536 ( a ) ( 1 ( b ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )  reporting an account more than 7 years. On XXXX XXXX consumer sent certified letter signed by Experian Gen. Counsel XXXX  not contending Debt VALIDATION to date in writing or went unresponsive. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian   Information Systems , Inc ( EIS ) and dba Experian  Consumer Services ( ECS  ) such false reporting of the more than 7 year old ( fraudulent account ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding   Customer  Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 invoking Section 19831985 for injunctive relief, restitution and any other relief appropriate.

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 2022-12-21
Company: HW Holding, Inc
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was extorted to pay {$1000.00} + interest to Hunter Warfield ( Collection Agency located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) for fraudulent claim. I received a phone call XXXX, but the message left did not indicate it was from a collection 's agency, so I did not respond. I then received an email from Hunter Warfield XX/XX/XXXX, indicating I owed {$1000.00} to XXXX XXXX XXXX. I proceeded to call XXXX XXXX XX/XX/XXXX regarding the email I received. They did not return my call. I then emailed them and called XX/XX/XXXX and sent certified mail to the office. I still did not receive a response. I then called the office multiple times since, one time speaking with office staff at XXXX XXXX who stated she would talk to the manager and get back to me. I also spoke with Hunter Warfield who stated that I had to pay the balance in full by XX/XX/XXXX or else it would go as a derogatory mark on my credit report. XX/XX/XXXX, I physically walked into XXXX XXXX to find out what I am being charged for. I never received a move out notice and was sent to collections 55 days after moving out, never notified XXXX time that I was being charged with anything. The staff member at XXXX XXXX could not find a move-out notice uploaded. But promised the manager would get back to me. I did not hear from her. I called Hunter Warfield and disputed the charges. They then proceeded to tell me that I even though the charges are being disputed, it would still be reported to the credit bureau and show up on my credit report. I emailed XXXX vista again XX/XX/XXXX, received a quick response from the manager stating she would get back to my Monday, of which I still, Wednesday XX/XX/XXXX, have not heard anything from her. I was forced to pay Hunter Warfield XX/XX/XXXX, so as to not have the charges sent to the credit bureau. According to the Fair Credit Reporting Act the abovementioned collection agency abandons its statutory duty by enforcing a bad collection without proof ; even though, this matter was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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 to remove the inaccurate information about bankruptcy chapter XXXX and dismissed bankruptcy on my personal credit. I had sent a copy of the Bankruptcy XXXX XXXX XXXX New Jersey stating they do not report to the credit bureau. In addition, do not authorize any third party to convey information to the credit bureau. I had requested the bankruptcy information be removed from my personal credit report. The credit bureau had failed to remove the information that was not reported by the Bankruptcy XXXX XXXX XXXX New Jersey.

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 2022-05-12
Company: EQUIFAX, 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 to remove the inaccurate information about bankruptcy chapter XXXX and dismissed bankruptcy on my personal credit. I had sent a copy of the Bankruptcy XXXX XXXX XXXX New Jersey stating they do not report to the credit bureau. In addition, do not authorize any third party to convey information to the credit bureau. I had requested the bankruptcy information be removed from my personal credit report. The credit bureau had failed to remove the information that was not reported by the Bankruptcy XXXX XXXX XXXX New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: AL
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 submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief