BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: CA
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 sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were late payments showing on my report and these report is misleading and suspicious and was never late. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2020-03-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 
Check that you wish to publish 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 explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This complaint is about suspected fraud activity on my Bank Of America debit card which I had no part in doing. The date reported was on XX/XX/2019 which is my birthday. I was home all day. A week and a half before this on XX/XX/2019 I lost my Bank Of America debit card and my drivers license which I suspect was at the gym. I went out of state for a couple weeks to New York so I had no idea because I was not using my debit card. My birthday was XX/XX/2019 and I came back home. I had no part in this issue. The original charge off amount is XXXX $ I had no part in taking this money out of Bank Of America.

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 2022-04-11
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I reached out to Early warning services in attempt to fix the issue directly with them regarding a XXXX account I never had making me unable to get a checking account or open an account with a credit union. I ask that they send me a validation letter with my WET SIGNATURE or any proof they use to validate that this account belong to me. Instead they send a letter saying they it does with no proof. Early warning has not sent me any proof on how they validated this debt and is making it hard for me to open an account with a real bank because of this FALSE negative account please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IL
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have contacted  Jcpenny  's bank to make them aware, I was not receiving monthly statements. I would receive random emails about payments due. The emails request for payments, which were exceptionally inflated. I ask to be removed from the online billing. So, I can receive my bills in the mail. This was never done. As, a result I do n't get monthly bills and my account is being reported delinquent on my credit. I have been assessed late fees because of the banks error. This has been happening for  awhile.I  requested for the correction but no resolution has been provided.

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 2017-05-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my   XXXX   2017   payme nt on  X/XX/17 .  I paid my   XXXX  2017    payment with  XXXX  on     X/XX/17  and   XXXX  on  X/XX/17   . Ocwen put both payments in a suspense account and did not apply them as a payment. I sent  XXXX  on  XX/XX/XXXX  and  XXXX  on   XX/XX/XXXX  a nd Ocwen returned both of them stating that I was 3 months behind on my mortgage and had to pay the entire balance at  one  time. They still show I have  XXXX  in a suspense account but give me no credit towards the balance needed to be paid. They have assessed fees over  1000 because  I am  three  months behind.

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 2023-02-12
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX a XXXX broker price opinion was scheduled for my home in an effort to remove PMI. On XX/XX/XXXX I submitted a formal appeal due to the XXXX  results in which I felt the appraisal received was considerably low. New Rez- my mortgage servicer did not submit this information to the investor XXXX XXXX for review until XX/XX/XXXX. This is unacceptable. I called constantly for updates and they dragged their feet. On XX/XX/XXXX I then re-inquired in a status in which I was given no definitive answer. XXXX XXXX has XXXX days to respond per rules they must follow. On XX/XX/XXXX I call again with no further updates. On XX/XX/XXXX I call again and reopened a formal internal complaint under new Rez case # XXXX, and received a formal response from New Rez. They acknowledged the long wait time and stated an additional 30 days would be required. 
This is unacceptable. New Rez purposely does not let you follow up with the department who handles PMI removal and purposely channels all customer communication to the customer service representatives who can not transfer you, nor relay your message to this department. I have been trying to remove PMI since XXXX and have paid {$180.00} each month since XXXX and request a final decision and response. New Rez purposely dragged their feet and do not allow customers direct access to the correct department in an effort to dissuade further follow up or action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including three bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX  XXXX {$2600.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX Or a 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 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 2023-05-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
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 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-04-11
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 reportina agenc can not furnish a account without my written instructions

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 2018-10-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX   XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXXXXXX  and XXXX XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im  TRYING TO BUY A HOUSE

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 2023-05-01
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: Investigation took more than 30 days

Complaint:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Bread Financial Holdings, Inc.
State: TN
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:
Comenity bank for XXXX 's clothing store ( credit card ). My bill was due on XX/XX/2021 for {$35.00}, I paid the account off in full on XXXX. In XXXX I get a report from the three credit bureaus regarding I have a late payment on my credit. I called Comenity Bank and spoke to XXXX XXXX # XXXX. She explained the above information to and said I owed over {$50.00}. I asked her again how is this possible when I paid if off on XXXX, the rep says well you didn't call to tell us your were paying off the {$35.00} so on XXXX your account was charged {$4.00} interest. I said on a {$0.00} balance? she said yes. I am floored at this point, if I paid this off how can you charge me interest? Not to mention she said this was paid off before my bill recycled. I asked her to remove the late fee that is now on my spotless credit record, she said she can't do that and does not know anyone who could. I asked to please waive these charges and take this off of my credit, she said she will wave the charges but i had to still pay {$14.00} to pay if off and if I am ever late again that amount that was waived would be re-applied to my credit card balance. WHO DOES THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
on XX/XX/2023 there was a {$90.00} payment sent via PayPal. on XX/XX/2023 the {$90.00} was successfully sent to paypal. a refund was granted via the entity receiving the funds. the refund was issued the same day. my bank received notification of an ACH transfer of {$90.00}, but the payment never processed. my bank clarified that it was just a notification and not an actual payment and advised that i contact paypal. when i called paypal XX/XX/2023, the agent advised me the refund was sent to my bank and would take 3-5 business days to post. this was in direct conflict with what the bank advised me. i was able to once again call PayPal on XX/XX/2023 to obtain the trace number of the ach payment i was advised of by PayPal on XX/XX/2023 to confirm that the payment indeed was sent. i was then advised that PayPaXXXX had not sent my refund and they would not be sending the payment until friday XX/XX/2023 at the earliest and that this was not definitive. the representative stated this was because paypal hadnt yet received the money for the initial payment. i advised that the monies were successfully sent and i advised the rep that i could provide the transaction details if they needed help locating the payment. the rep did not resolve my issue, and began over talking me and taking a sarcastic tone and would tell me how to escalate my issue or how to submit a complete regard paypal and the behavior of the representative from XX/XX/2023. i would like money and i need someone to listen to the call from XX/XX/2023. the call was stomach churning and entirely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has disputed XXXX XXXX 3 times or more for me since XX/XX/2017. I'm finally putting my foot down. I exercised my Fair equal credit rights & was rerouted several times getting different results. I asked the representatives to provide me with the exact information that XXXX used to authenticate me to Equifax & several could not find notations addresses or anything. The last representative was asked the same thing and lied using the information I had used while being pre screened or verified. Funny thing is they sent me my most recent credit file to a Ky address that could not be saved unless requested in writing. He took no time to blurt out my old Ohio address thats been on my file for many years ago. Equifax allows minimal informations for debt collectors because Equifax sold them this information in the first place. Equifax needs to have criminal charges filed for violation of my rights after trying to exercise them here in the United States. XXXX  & XXXX   removed this account in question several hours after the dispute. Equifax refuses no matter what I do to prove they are wrong which I have done multiple times lately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2022-12-27
Company: EQUIFAX, INC.
State: IL
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:
All of cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX lending. these are all unauthorized inquires and the company refuses to remove them

Company response to consumer: Closed with explanation