BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had made a payment to barclaycard using XXXX XXXX 's billpay feature, received confirmation that it was delivered to / accepted by Barclaycard, but Barclaycard never applied the payment to my account. I've called and faxed both XXXX XXXX and barclay at least a dozen times over the last 4 weeks and no one has been able to remedy the situation. 

XXXX XXXX tells me that they've requested the payment be pulled back from barclaycard at least 4 times to issue me a refund, but they still have not received ANY type of response from barclaycard. 

I submitted 2 separate formal research requests to Barclaycard to find this payment and apply it correctly, and they still haven't found it / updated me after 3+ weeks. I've called barclaycard 1-2 times per week for status updates and their response has only been that they are still researching, and that they CAN NOT provide an estimated time to completion of the research request. 

As of now, I have no recourse or resolution for my {$4900.00} payment made to Barclaycard through XXXX XXXX and no one is able to help me. I just now got off the phone with Barclaycard again ( XX/XX/2020 at XXXX EST ) and they again have told me that there's no estimated time to completion / resolution of this request and that my almost {$5000.00} payment due on my card on XX/XX/XXXX1 is still due ( even though they are already in receipt of those funds since I've already paid ). 

I need help with reaching out to Barclaycard to track down this payment and apply it to my account. The general customer care line is unable to fix this, but I'm sure someone with knowledge of the XXXX XXXX bill pay receivables account can fix this within minutes. I have the exact time, date, and transaction number of my payment to Barclaycard from the XXXX XXXX payment receipt, so it's just a matter of searching the receivables account for that info and applying my payment. 

Thank you!

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed this inaccurate information to XXXX, Transunion, and XXXX  sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.

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 2020-04-15
Company: Alpha Recovery Corp
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection company place a collection on my credit file before sending me a ( 30 ) days Notice. I call them last month to removed the collection from all three credit bureaus and told them i moved to a new address so they can send me the 30 days notice to the new address, I just received the notice on the XX/XX/XXXX. I call them to send me a validation letter and sign contract between they and the original creditors as proof for them to collect the debt from me and they said they will not send me anything else and the collection is going to remain on my report and there is nothing I can do about it. I told them that the government said that all collection are on hold for the next 90 days because everyone is worry about their life right now and need time to pay off any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}

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 2020-04-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my job on XX/XX/XXXX and was offered a forbearance agreement by PHH Mortgage that will allow me to skip 3 months payments but then have to pay all 3 months plus the current month in XX/XX/XXXX ( a total of 4 payments totaling {$9100.00} ) which will be impossible on my unemployment income which is 18 % of my regular income. This solution will put me in default on my mortgage and I then risk losing my home to foreclosure. This is a strategy that is very similar to the one banks and mortgage servicers offered during the financial crises where they advised homeowners to miss payments only to then aggressively foreclose on borrowers who could not pay the missed payments in one lump sum. I am alerting the CFPB that their solution is not viable and will result in massive foreclosures as we saw in XXXX, XXXX and XXXX when borrowers were unable to pay missed payments. 

PHH also used the following language in their forbearance letter to me : " Upon completion of this plan, the accountholder will be required to resume making regular monthly mortgage payments. However, other long-term mortgage assistance options may be available at that time. Before the end of the plan, we will contact the accountholder to discuss available mortgage assistance options for repayment of the deferred payments which may include a repayment plan, a payment deferral, or other loan modification options. '' This is exactly the kind of language that allows the servicer to control the foreclosure process in 3 months. By using non-committal language they are able to scam the borrower into a forbearance program without any specific solution in writing. And once the borrower is 4 months behind, technically in default on their loan the options they have are minimal. I know this as I fought in XXXX to keep my home and I am very aware of the mortgage servicer tactics they used and they are using the same ones in XXXX. 

Thus I have requested a 6 month mortgage deferment ( in writing via a certified return receipt letter ) from PHH so that I can have 6 months placed on the end of my loan. I only have 15 years left on my loan and if I have 15 years and 6 months left it will not make a big difference. However, falling 3-4 months behind while earning 18 % of my normal income during this pandemic will make a huge difference and I risk losing my home to foreclosure. 

Please help me work with my servicer PHH to get a workable 6 month mortgage deferment placed on the back end of my loan instead of a 3 month mortgage forbearance that would put me at risk of foreclosure. 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Oklahoma Student Loan Authority
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 120 days late for the month of XX/XX/2019 as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding. Please Investigate and report the payment status positive and update all late from reporting on this account : DPT ED/OSLA-XXXX-Balance {$1900.00} OK STUDENT LOAN AUTHOR-XXXX-Balance {$1900.00} DEPT OF EDUCATION/XXXX-XXXX-Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that isUNKNOWN to me : 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 2023-08-28
Company: EQUIFAX, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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:
This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
permission : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  TX XXXX ) XXXX Balance : {$1300.00} EXPERIAN XXXX XXXX XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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 submitted a dispute with Experian to remove XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX. This account is inaccurate and it should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX purchased furniture from Ashley Furniture on a Synchrony Bank credit card. I paid the first week of the month for the first year. XX/XX/XXXX/XX/XX/XXXX I discovered Synchrony had been charging me late charges every month for the first year. I got NO notifications for a year. I changed the payment date. The mistake was made at Ashley Furniture by the sales person who obviously wrote the incorrect payment date on the contract. Synchrony has refused to work with me on this. 

I have offered to pay off the amount I owed minus the late charges. The total I should pay for the whole transaction plus interest is approx {$2600.00}. At this point I have paid approx {$1300.00} in payments. They are asking me to pay all late charges on top of the normal charges. If I pay this card off today I will be required to pay {$2200.00} for a total of approx {$3900.00}. Basically they are overcharging me {$1300.00}. 

They have brought my credit score down a significant amount. Their customer service people have been rude and refused to help. When I call I get a different person that is obviously reading from the same script as the last CSR. Synchrony claims they are investigating this matter.

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 2023-08-21
Company: CORELOGIC 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:
XX/XX/2022. I called to XXXX XXXX Home Mortgage for a discussion of mortgages, but did not authorize a mortgage application nor a credit check. I repeatedly and expressly forbid a hard credit check to its aggressive agent. I already knew my ( high ) credit score. 

I learned later that despite my warning, XXXX XXXX committed fraud and identity theft by processing a hard credit check without my permission, through CREDCO, which produced published harm to my credit score. When I complained, the XXXX XXXX " Executive Offices '' unilaterally denied any wrongdoing. XXXX XXXX seemed to be fully aware of the their wrongdoing but instead, denied it in order to protect the resulting benefit to itself. More specifically, the agent benefits by processing as many mortgage applications as possible. 

CREDCO says it only allows their clients ( XXXX XXXX in this case ) to make determinations and final conclusions in response to consumer complaints. Again, this results in the automatic denial of any fraud or other wrong-doing.

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 2020-04-15
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 I attempted to purchase something from XXXX XXXX via the mobile app and checked out using XXXX XXXX. When I authorized the payment I was presented with an error that the purchase failed and IMMEDIATELY got a notification that the {$350.00} was debited from my cashapp account. There is no order, there is no history of an order, no email confirmation, and XXXX XXXX has no record of the purchase. But I am missing my money. I called multiple XXXX XXXX representatives and none of them could help me and I was told to dispute it with my bank. Cash App has atrocious customer service and refuses dispute the charge. They pointed me back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
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 XXXX 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 that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation