BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.

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 2022-08-29
Company: EQUIFAX, INC.
State: MD
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:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: PA
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 sent multiple letters out to the experian, XXXX, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, experian, and XXXX and they are still reporting inaccurately. This has not been fixed

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 2023-06-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I mailed a check to Select Portfolio Servicing for XXXX. This was for my XX/XX/XXXX 2021 payment. 

On XX/XX/XXXX2021, I made a quick pay for XXXX at the currency exchange for XX/XX/XXXX payment. Instead of recording this for my XXXX payment, they added this as an Additional principal payment. This payment was not for ADDITIONAL principal, it was for XXXX payment. 

I then sent in one check on XX/XX/XXXX2021 for amount of XXXX. This was for XXXX and XXXX payment. They cashed the check on XX/XX/XXXX. Check number XXXX. 
Furthermore, NONE of my payments were applied towards my mortgage. They took my money, did not apply it to my mortgage NEITHER towards payments nor towards principal balance. My principal balance does not go down, and on top of it they are now saying I am 3 payments past due which is not correct because of misapplied funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-09-28
Company: BARCLAYS BANK DELAWARE
State: FL
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:
We booked a XXXX XXXX on XX/XX/XXXX. The first payment charged on that same date, was {$3100.00}. 
Additional monthly charges were : XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. 
XX/XX/XXXX {$1300.00}. totaling {$7200.00}. 
We cancelled due to coronavirus on XX/XX/XXXX. XXXX issued a refund minus a {$200.00} administration fee.that date.They told us it may take up to 90 days for the refund to post. totalling {$7000.00}. We waited patiently for 90 days. No refund. After the 90 day mark XXXX I contacted my Credit card company, Barclays Bank XXXX I mailed all supporting documents, [ required after a 90 day window. ] I then waited. 
On XX/XX/XXXX I received 2 letters from them. One stated a dispute was being investigated for {$3100.00}, Case # XXXX .the other for $ XXXXCase # XXXX. I then tried to get in touch with them about my other 2 charges. The dispute office is closed on the weekends.

After a few more attempts, I was able to get thru. A customer service agent told me the other 2 charges weren't being disputed, because I didn't break down the charges by month on my cover letter. I argued, that in my cover letter, I gave the total amount due, explaining the breakdown was in my supporting documents. Only then, did they open up disputes for the other 2 payments.Case # XXXX and # XXXX. These letters were dated XX/XX/XXXX. I have called numerous times about this issue. on : XX/XX/XXXX [ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX On Each of these phone calls, I asked to speak to a manager. I was told a mgr will call me back. To date, I received no calls from a mgr. Usually, In dispute cases, They credit the amount immediately. they have not done this. We are at the 40 day mark, and I feel I am getting the runaround! 


p.s. I have received one credit on XX/XX/XXXX for {$1300.00}.

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 monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the account type, account status, date opened, and payment status and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX -Account type innacurate. 
-Account status innacurate. 
-Date Opened inaccurate. 
-Payment status innacurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

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 2022-08-29
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Members of my family as well as myself have received calls from this company stated they are attempting to collect a debt. 

When I attempt to verify the name of the company or where the alleged debt originated from they disconnect the phone. 
Today on XX/XX/2022 I requested written documentation showing validity. I wouldn't even know who to expect mail from because the agents refuse to identify the name of the company. After calling several times someone answered and gave the company name before hanging up yet again. 

This debt is either not valid- or it is too old to be reported to my credit. Either way I would like the harassment to stop. The representatives are rude and have absolutely no intention of providing clear, concise answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
For the last several months ( starting XXXX XXXX ) I've sent Experian and XXXX numerous correspondence outlining the fact that I was a victim of identity theft. Within my letters, I provided Experian and XXXX with detailed descriptions of various unauthorized transactions by third parties pretending to be me. 

Specifically, within the letters, I disputed the false and derogatory information that was improperly reported on my credit reports as a result of his identity theft. In addition, I provided all documents requested by Experian and XXXX to prove my claim of identity theft such as multiple police reports, FTC ID Theft affidavits, etc. 

Despite this, in response to all of my prior communications, Experian and XXXX have failed to take the appropriate action to remove these illegal and improper entries from my credit report, in clear violation of the Fair Credit Report Act ( FCRA ). Experian and XXXX have impeded all of my prior efforts by asking for duplicates of documents and reports, which had already been produced, multiple times. It is clear from Experian and XXXX conduct that it's not their intention to comply with its obligations under the FCRA. 

I have asked ( demanded ) multiple times that Experian and XXXX remove the aforementioned entries. To date ( XX/XX/XXXX ) they all still appear on my Credit Report. This is having a detrimental effect on my ability to get credit, apply for financing, etc. As such, immediate action was required to be taken by Experian and XXXX to remedy this. 

The Fair Credit Reporting Act ( FCRA ) provides mandates that all credit reporting agencies and bureaus must comply with. Specifically, 15 U.S.C. 1681c-2 states : ( a ) Block : Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 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. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? Trans Union is reporting {$0.00} and XXXX and XXXX isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is XXXX reporting a date of last activity as XX/XX/XXXX, while Trans Union and XXXX report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for XXXX and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't XXXX or Trans Union reporting any payment history? 

This information is all over the place.

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 2023-08-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: Experian Information Solutions 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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I dont recognize these debts.

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 2020-01-30
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a Chapter XXXX bankruptcy with payments being made timely. However, there was miscommunication with staff from my attorney 's office. I had met with the atty 2 weeks before a scheduled court date, but my understanding was that I did not have to appear at the hearing for XXXX. As I was not there, the hearing was rescheduled, but I was not notified of the rescheduled date a month later and the bankruptcy was dismissed. The bankruptcy was simply to hold off Caliber Home Loans from foreclosing. I had been a repayment modification and payments were being made, but received a default notice stating I was not following the plan - the information was not consistent with information on the automated system or website. Caliber immediately went to foreclosure and I once again entered Chapter XXXX to stop the foreclosure. 

This time, the bankruptcy was dismissed XX/XX/XXXX and I spoke with Caliber about loss mitigation as my income had increased substantially to see if that was an option - I was told it was. I received a packet at my home on XX/XX/XXXX, and had spoken with a represenative twice with the final call discussing financial information on XX/XX/XXXX and had received a loss mitigation package on XX/XX/XXXX. My bankruptcy atty had also received a packet at their office to forward to me on XX/XX/XXXX for loss mitigation. I submitted the packet on XX/XX/XXXX by fax as the system was no longer operational for me to upload documents. When checking the status again this morning XX/XX/XXXX to see if the process was started, I was still locked out. I was informed today by Caliber that there is a foreclosure date of XX/XX/XXXX ( confirmed with XXXX XXXX XXXX who are handling the foreclosure ). The representatives including a supervisor advised that Caliber had been in error in sending out the Loss Mitigation package as Caliber requires 37 full days to review a Loss Mitigation package once they confirm it is complete ( there is a review time for them to consider it complete ) before a foreclosure date. I argued that I had postmarked documents and emails with Caliber representatives and that there were only 40 calendar days from the date of the Chapter XXXX dismissal to the foreclosure date so in actuality it would never have been possible. I was advised they could reprimand the individuals who discussed loss mitigation and forwarded the documents to me and my bankruptcy attorney as there was never enough time for them to review, but there was nothing else they could do. I have no other option but to consider Chapter XXXX AGAIN or lose my home. It just so happens that in the last 3 years the property values for my area have almost quadrupled, but it is difficult to sell and find another home in the meantime due to the Chapter XXXX on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: MI
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 reviewed my consumer report and noticed some late payments on there from XXXX XXXXXXXX. Consumer reporting agencies have assumed a vital role and have responsibility to report complete and maximum accuracy on a consumer report in complete with regards to 15 USC 1681e. Furthermore I am demanding the late payments be deleted and the XXXX XXXXXXXX account be marked Paid As Agreed in accordance to 15 USC 6802 and 15 USC 1666b which states 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 response to consumer: Closed with explanation