BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: BARCLAYS BANK DELAWARE
State: CA
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:
BarclayCard credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau XXXX. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a temporary loan modification agreement with Carrington Mortgage. I received the final Loan Modification Agreement dated XX/XX/2020. They gave me until XX/XX/2020 to have the documents executed and returned to them. In the documents a balloon payments of {$40000.00} was indicated in agreement. However, the a balloon payment breakdown was not included. 

Two weeks to have the documents reviewed by legal aid was not adequate considering COVID-19 closures and face-to-face restrictions. My state of residence, XXXX XXXX, has been on a stay at home order since XX/XX/2020. Governor XXXX just recently moved the State to Phase 2.5. 

https : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested a breakdown of the balloon payment but have yet to receive one. I spoke with a representative from Carrington Mortgage on XX/XX/2020, however, I was informed that my property was in fact in foreclosure, again, and I would have to reapply for a loan modification. I was not informed by Carrington that my loan would be put back in foreclosure when I reached out for the balloon payment breakdown. 

I have paid my mortgage payments are required during the temporary period but Carrington Mortgage is reporting my mortgage as paid as late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a purchase on PayPal using the 4 pay plan where I would make 4 payments on a purchase over a specified time frame. I ordered I item from a vendor, however PayPal duplicated the order twice, however the vendor confirmed I only placed for one item, not three items. PayPal is now attempting to charge me late fees on the two additional purchases they fraudulently added to my order with the vendor. Ive communicated with PayPal more than several times and over a month has passed without any corrections made to my account. I filed a dispute with my bank and they stopped Paypay from taking out automatic payments. I have paid in full for the one item that I did in fact order, however PayPal can not seem to to correct the issue on their end and can not explain to me how my order was duplicated twice. I keep getting late charges on items that I never purchased. I would appreciate assistance to resolve this matter that of no fault of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS ACCOUNT IS STILL SHOWING ONN MY CREDIT REPORT AND I MAD MANY COMPLAINTS WITH THE COMPANY AND ASKED THEM TO FIX MY PRODUCT BECAUSE IT WAS POORLY MADE MUST HAVE BEEN DEFECTIVE AND THEY GAVE ME NO HELP. THIS COMPANY IS KNOWN TO SELL POOR ITEMS AND IGNORE CUSTOMER REQUEST FOR HELP. 

{$670.00} ACCT XXXX XX/XX/2020 XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NY
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:
I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I am dedicated to making sure that my credit report accurately reflects my financial conduct and I am aware of how important it is to keep an accurate credit history. But I'm worried that these late payments are hurting my credit and making it harder for me to take advantage of good financial chances. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
If the investigation confirms that the late payments are accurate, I kindly request your assistance in providing information on how I can work to repair my credit and improve my credit score. I am committed to taking the necessary steps to ensure my financial responsibilities are met in a timely manner. 
I appreciate you taking the time to consider this. I'm grateful for your help in getting this resolved and keeping my credit record accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX TODAYS XXXX PAUL MICHAEL MARKETING XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PAUL MICHAEL MARKETING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Credit Bureau Services Association
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my consumer reports and I seen that CBSA Collections reported a collection account for the amount of {$3400.00}. I have reached out to the company to verify the account, but it was to no avail. I am aware of my rights as a federally protected consumer pursuant to the Fair Debt Collection Practices Act. I challenge CBSA to provide the agreement between the organization and I under penalty of perjury which gives them the right to collect. I challenge CBSA to prove that they rendered any services or compensation to me, the consumer, in order for them to collect under penalty of perjury. CBSA 's failure to produce such proof is a violation to my rights under the fdcpa. I also want to bring awareness to CBSA that it is unlawful to furnish any information that would create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I challenge CBSA to prove otherwise under penalty of perjury. Otherwise, the organization shall remove all information from my consumer reports immediately. CBSA will be held liable for any violations to the consumer pursuant to the fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 

My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ). 

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX | XX/XX/2022 You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the listing of accounts below have violated my federal protected consumer rights to privacy and confidentiality un 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A states ; I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 states ; a consumer reporting agency can not furnish an 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 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 non-monetary relief
Consumer complaint received 2022-11-29
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 is missing that should be on the report

Complaint:
On XX/XX/2022 Transunion dropped my credit score down XXXX points for no reason at all. No changes were noted in my report no late payments etc. I went from XXXX to XXXX over night. XXXX also dropped my score down XXXX points on XXXX XXXX 2022. Again with no explanation or noted adverse changes. My score went from a XXXX to XXXX. I dont understand how my scores could change so much with no late payments repos evictions collections or anything.

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 2020-08-05
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX XXXX in XXXX for 30 years. I am a XXXX XXXX XXXX, so I don't need to pay overhead for materials, etc. I am purchasing a home in which to eventually retire, and began the application process with US Bank on XX/XX/2020. As of XX/XX/XXXX, I am now nearing the end of my 60-day purchase contract window. However, US Bank is still saying it can't close because I can't produce a CPA " comfort letter '' stating that it will not be detrimental to my business to purchase this house. My CPA, a very well-respected professional, produced policy statements from the XXXX XXXX XXXX XXXX ( XXXX ) and other professional organizations of CPAs clearly stating that accountants should not provide these letters and that it places them at potential legal liability. It is his unwavering decision to follow this guidance. However, US Bank 's response is, " The bank has a whole drawer full of these letters because a lot of accountants are willing to write them anyway. '' This pits me, the consumer, in between two organizations : the mortgage lending industry and the accounting industry. Both have distinctly opposing policies. This seems unproductive, unfair, and possibly even unlawful. The bank has my profit/loss statements, my tax returns, bank account statements going back many months, and every other document they have asked me to produce. I have demonstrated evidence of more than enough funds to complete the closing. On Friday XX/XX/XXXX the loan officer finally told me that an exception was made ( about requiring the letter ) and said I was clear to close. However, on Wednesday XX/XX/XXXX, I am now told the exception is still pending because the bank is still deciding. My accountant 's advice is, " find a less-upstanding accountant ( his word a bit stronger ) to write you a letter. '' The bank says, no, it has to be the accountant who has handled my tax returns and finances. When I entered into this process I had no idea this was an issue, but it seems wholly unfair. It is too late for me to re-start the process with another lender. One of these industries should establish a policy that is not oppositional, instead of requiring consumers to be penalized by an arbitrary and contentious issue between two behemoths.

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