BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 explanation
Consumer complaint received 2021-07-27
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am a victim of identity theft due to data breach.

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 2021-07-27
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian is not reporting a credit card that has been reporting information to them. XXXX XXXX has been an active account with a {$300.00} limit for time now and it does not reflect on CRA Experian. It reflects on the other, but not Experian.

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 2017-10-23
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage company merged with a company called XXXX XXXX in XXXX of XXXX the first month of the merge my mortgage never was taken out of my bank. so on the XXXX th of the month to not incur late charges i called in and they said my payment was never recieved. so i then took the time to pay it over the phone on the XXXX. i do online banking checked my acct to see if payment came out on the XXXX, only to find out my original check was deposited for XXXX dollars stamped on the back was the date of XXXX. XXXX so they clearly had my check the full time and also took the payment over the phone and took XXXX out again totaling XXXX on the XXXX i was told the XXXX would be crediteded back to my account by a XXXX, i watched my acct till today the XXXX called in again and was told by a XXXX that it was not done and he could do it. he did not do it either so my next call requseted a XXXX her name is XXXX and she proceeeds to tell me she can not issue a refund, and that they would need me to contact my bank for a conference call to see if my funds cleared for all amounts. at this time i am extremly frustrated and i know for a fact that this should never have happened. i have heard of banking practices where they do not deposit your check until after the due date and i am pretty sure this is what XXXX XXXX is doing and it sickens me. i work very hard at keeping my credit in good standing and if i did not check my acct daily i would never have known my origianal check was not deposited until it was too late. i believe they have very shady practices. so now i am waiting for a refund because they took an extra XXXX. thank you for listening..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX is stating I have a bank card that was recently closed, and no card has been closed on my transunion report recently.

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 2022-10-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collections account on XXXX XXXX kept calling my elderly parents stressing them out trying to get ahold of me. I never authorized this company to call my parents or my work. They have my phone number and my address. No need to harass my parents.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
FICO scored lowered XXXX points without a change to credit reporting accounts on XXXX and 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 2017-10-30
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was given Durable Power of Attorney, both financial and medical, for XXXX XXXX XXXX. He has been diagnosed with XXXX XXXX and other illnesses. He has a reverse mortgage on his home with Champion Mortgage. Their contact information is as follows : XXXX XXXX XXXX, XXXX, Texas XXXX. Telephone ; XXXX. I have been trying to be acknowledged by this company since XX/XX/XXXX, with no success. I have sent them my power of attorney and addresses, and they still refuse to send me XXXX 's statements or any information regarding his account. It 's almost XXXX and they continue to tell me they do receive my faxes or it 's in 'process '. Last week his caregiver called with a letter he received that threatened to bill him some {$2400.00} for homeowners insurance, since his has lapsed. This is not true. I have all his accounts current including property tax and homeowners coverage. I have been told his account is in default and they threatened me last week with foreclosure. To date, they refuse to send me his statements. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and today, XXXX, supposedly a supervisor. I faxed all my information to him again using two fax companies with a note to please call me with confirmation that he received everything. He still has not called to confirm. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: MI
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 requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2021 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re XXXX XXXX XXXX ( " MCM '' ). 

In late XXXX, one of my credit cards owned by Synchrony Financial was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with Synchrony, which reversed all charges, and also investigated the claim for me. My account with Synchrony is current and has been at all times since that event.

18 months later, XXXX  began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed Synchrony this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, XXXX agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, XXXX filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) XXXX is acting fraudulently, or with gross negligence, with respect to the claim for which XXXX  is wrongly attacking me, and, in doing so, XXXX is using what I believe to be illegal, and without question reprehensible, tactics. XXXX needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802

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 2023-05-07
Company: Experian Information Solutions Inc.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was set up for recurring payments from gyms multiple times and I never authorized any of 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 monetary relief
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: AL
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:
Equifax has not removed the accounts. Am I to take from the actions of Equifax that they do not need my written consent to report these accounts as I have pointed out are a violation to me as per the codes 15 U.S.C 1681 section 602 A & 15 U.S.C 1681 Section 604 A Section 2? The following accounts need to be DELETED! I am being greatly damaged due to these reports as a consumer. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX- account # XXXX, and XXXX XXXX XXXX # XXXX XXXX have XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
unauthorized credit inquires on my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2017 my Bankruptcy was confirmed. My Trustee is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX Maryland XXXX. For the last 2 years, Owen Loan Servicing, LLC and now PHH Mortgage has failed to following Bankruptcy procdures. They have attempted 3 times to CANCEL my homeowners insurance, fraudulently informing my Homeowners insurance company that I have vacated the premises ( home : XXXX XXXX XXXX, XXXX XXXX, Md XXXX ). When i thought it could not get any worse, they Changed my Gas and Electric Bill into there name and attempted to turn off my Gas and Electric.  My bank can provide statements that {$2000.00} each month is automatically sent to the Mortgage company. My Job can provide documentation that Bankrupcy payments are payroll deducted. They continue to contact me even though i'm fully in compliance with the Bankruptcy Agreement. They fraudulently attempting to bully me. They refuse to comply with the Bankruptcy agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: MD
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 contacted XXXX The Department of Education Servicer.I received email notification that my some portion of my Student Loans have been forgiven.I logged into my Student Loan Account.And the balance was $ XXXX.It also stated that there was no payment due at this time. 
I have checked my Experian Account that is still listing a balance of {$61000.00}.

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 explanation
Consumer complaint received 2023-01-11
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:
On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking the fair credit reporting act.

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