BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Designed Receivable Solutions, Inc.
State: AL
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:
XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
THE FOLLOWING XXXX ACCOUNTS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX  XXXX XXXX FOLLOWING : XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX FOLLOWING : XXXX XXXX {$170.00} HAS VIOLATED MY RIGHTS! 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A. SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 U.S.C 1681C [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS. 
15 U.S.C 1681S-2 [ A ] [ XXXX ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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

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 2017-06-19
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX  and  XXXX   XXXX  sold  XXXX   XXXX   XXXX ,  XXXX  NJ in  XXXX ,  XXXX . As part of the sale, they needed to pay off a reverse mortgage held by Champion Mortgage  Co. Champion p rovided a payoff statement which charged interest on the loan through  XXXX   XXXX ,  XXXX . They refused to provide a per diem interest amount. On  XXXX   XXXX ,  XXXX , a wire in the amount of {$220000.00} was sent. On  XXXX   XXXX ,  XXXX , Champion sent a second payoff amount, demanding an additional {$900.00} in interest, even though the loan would not be open until the end of the month. On  XXXX   XXXX , a wire for the {$900.00} was sent. We were assured that any overage would be returned to us.  Champion  failed to provide an accounting of the loan, and did not record a cancellation. On  XXXX   XXXX ,  XXXX , a letter was sent to champion requesting the cancellation and placing them on notice of a {$50.00} per day fine assessed if they failed to file the cancellation. No response was received. On  XXXX   XXXX ,  XXXX , an email was sent  to Champion. Although the email was acknowledged, no substantive response was received. As of this date, Champion still ha s not provided a copy of a recorded cancellation of mortgage, nor has it returned the excess interest due. Another demand letter was sent to  Champion  on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, this creditor ( XXXX XXXX Acct # XXXX ) has violated my rights under 15 USC 1681 Section 602. I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under 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 2022-09-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
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:
XXXX XXXX XXXX XXXX XXXX  billed me {$1500.00} on XX/XX/XXXX and {$240.00} on XX/XX/XXXX. 
On both dates I had Medicaid, I contacted them and the collection company ARS. I sent them both a 1095b showing coverage from Medicaid. I asked for it to be removed immediately because it is affecting my credit score and keeping me from renting a home. 
Medicaid has reached out to them asked them to submit a claim to be paid and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Bread Financial Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are two collections that have recently appeared on my credit report this XXXX and XX/XX/XXXX, these are due to fraud and identity theft. Both collections are XXXX  years and XXXX  months old. I can see that one of the collections is from a Credit Card with Victoria Secret that was closed in XXXX and reopened fraudulently in XXXX. A credit statement was sent to me which I disputed because it was not me that opened that account. I froze my credit because soon after I had calls for home loans and bank accounts trying to be opened under my name in California. These identity theft and fraud collections have never appeared on my credit report until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt in full on XX/XX/2020 and I received a letter from the company saying that my debt is paid in full and that I do not owe them anymore money. They told me that when I pay the debt they would take it off my credit right away but it is still on my credit report and my credit report states that I owe them XXXX dollars when I have a letter from them stating that the debt was paid in full and that I owe them nothing. The debt is in my maiden name XXXX XXXX but now I am married and y name is XXXX XXXX now. I have called this company over and over to get this resolved and they do not want to do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2021-07-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to send AMEX a letter last XX/XX/2021 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which AMEX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information.

I never received any response from them and they did not update the credit report as disputed.

AMEX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.

I have attached a copy of CFPB Mandate on Removing Items on Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$69.00}.

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 non-monetary relief
Consumer complaint received 2017-06-16
Company: Experian Information Solutions 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:
I have tried to verify information for a collection account for a medical account that appears on my Experian credit report but have not received the information that i requested to verify this information.I sent a letter asking for information and pro of on  X/XX/2017  a nd received a response from Experian that they had verified. Then sent another letter to the collection agency for debt validation on  XXXX  which they received on  XXXX  .I  have not received a response from the collection agency to verify the debt.I then sent another letter to Experian on   XXXX   which they received on   XXXX   to remove this debt because I had not received a valid response from the collection agency Experian is  the only one  reporting this UNKOWN medical account and the only response they have given is a request that I provide the collection agency with the data that they do NOT have and were unable to verify. I would like this account removed as I have not received proof of this account as requested with communication with Experian. I also have letters and tracking numbers to when the letters were sent and when they were received. I look forward to having this resolved.

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 2020-11-11
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a equity line for the sum of {$40000.00} when i purchased my home thru Ocwen well this was in approx. the year 2001 well it was never disclosed to me that the XXXX XXXX dollar payments a month in the terms was only going toward the interest on this loan. I am a blot naive to real-estate practice and was never aware that this equity line has never went down for the past 20 years the loan was sold to PHH Mortgage within the last year or so, .well I got behind on payments to Ocwen and they tried to foreclose on my property. in which forced me to file a chapter XXXX.well last 5 years I have not missed a payment and my chapter XXXX is complete .I have tried to contact someone at PHH on numerous occasions in which I get thrown from one person to another and never get anything resolved. Now I have been sent a letter that the loan has reached its maturity and they demand that i pay {$37000.00} to them in which is impossible. I am stupid to believe my loan should have been paid off a very long time ago instead I just kept making interest only payments don't know which avenue I need to turn to.at the first of XXXX we were in a pandemic and I went to their hotline and did what I was told to-do well I assumed I was under a forbearance and with no work I could not pay for 4 months they tell me they have no forbearance documented now and this loan has reached its limit. don't know who to turn to feel like I have been taken fully advantage of the last 20 years because of my lack of education and being naive to the real estate procedures? don't know who to turn to for help cant afford a attorneys and feel I have no leg to stand on please direct me in the direction I need to go with this because nobody at phh mortgage has a clue what's going on I get put on hold from one person to another and every person in that company just don't want to deal with me so they either hang up on my call or put me on hold to someone else then get put on hold and the possess starts over in one vicious circle .I operate my own XXXX and I dont have four hours a day to play phone games with them and in the end never get anything resolved. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
As written above. I have a Jet Blue Plus credit card from BARCLAYS Bank. My account is tied to another Jet Blue account and my user name and password will not allow me to change it so I can Have my own account separate from this other account. IT is HORRIBLE> They have NEVER contacted me on over 6 months and they can't seem to fix this. I am just asking them to delete my current user name and password so I can create my own account. 
I can not get on line to see ANY transactions since day 1. 
They don't even send me paper statements on the mail which has been requested many times. 
I NEED IT TO FIX This problem immediately. 
The customer representatives say they can't contact IT ... there is no telephone number that they can call. 
MY Case # is XXXX PLEASE, PLEASE help me. 
I will appreciate anything you can do. 
Thank you. 
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 2022-11-06
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: Reporting company used your report improperly

Complaint:
TransUnion, XXXX, and XXXX are reporting, a bankruptcy on my consumer report and they have put in the data furnisher as ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX which is false. I have attached a letter from the ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX verifying and stating that they do not furnish information to the consumer reporting agency or any credit monitoring service, nor do they validate or verify any information concerning bankruptcy. 


TransUnion, XXXX, and XXXX falsely stated this information on my consumer file and have not deleted this information from my consumer 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 2023-09-06
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car from U.S Auto Sales in XXXX, NC a month later the company closed down. Along with my car loan I purchased a XXXX warranty that was good for 3years just in case I had issues with the car I would be able to get it fixed for a XXXX that was no issue. I went to make my payment and was informed that I would directly report to the company WestLake Portfolio Management I agreeded and let them know that I only had the car for a month and would like to use the warranty so that I would have enough to make my car payment the informed me that those warranty 's are no longer valid and the warranty company said they will not be able to assist me due to U.S Auto Sales closing down the car was orginally XXXX WPM hasn't updated my account I can't see where im even paying towards the interest of the vehicle this is a 2013 car listed at XXXX still which I didn't mind paying. In XXXX since I have no warranty I asked for a deferred payment they made me pay XXXX and said that it would go towards me not having to pay for that month due to car trouble and that payment would be applied to the end of my lease. That never happened it says I have a past due balance of XXXX with all of the rest of my payments on time and they now have informed me that there is no guarntee that I had a deferred payment. My credit is suffering and also can't afford to fix the car over and over again. I have asked to speak with someone and tell them to honor what they agreed to and they never do. I want to file a lawsuit againist this company for lacking integrity and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: MD
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:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation