BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Company: BARCLAYS BANK DELAWARE
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: Was not notified of investigation status or results

Complaint:
Regarding my BARCLAYS JET BLUE CREDIT CARD ENDING in XXXX. I requested closing this account on line and told them specifically not to charge me an annual fee. 
They recently sent me a letter stating that my account was delinquent for the sum of {$40.00} which was the annual fee. They then sent me a letter stating that my credit score was lowered to XXXX points for this delinquent amount. My credit score was previously in the upper XXXX. I contacted the credit card company and they said that I could only close the account by speaking to them and therefore the account was still open. Therefore I was delinquent by {$40.00}. 
This is unfair in that they never contacted my regarding this policy. I went on line and personally demanded that they close the account. Now they have tarnished my credit score and that I need to appeal.

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 2022-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had significant difficulty reaching and interacting with a Bank of America associate, XXXX XXXX, who was assigned to me pursuant to CFPB case # XXXX. XXXX XXXX and I spoke once, on or around XX/XX/2022, but then not again for the subsequent several months. I have left him several messages, and have had one message returned on XX/XX/2022. I believe XXXX XXXX is not completely aware of the extensive range of difficulties I am encountering and therefore may not be in the best position to assist further in this matter. 

I was very optimistic that XXXX XXXX would provide such assistance, but as mentioned, I have but unable to directly interact with him to advise him on my ( lack of ) progress and detail where help is needed. 

Most specifically, I have a new fraud claim and/or disputes open on several transactions, after obtaining the forged sales slips and comparing them to my own signature as it has appeared on any number of legal documents. I have been unable to obtain an update on these claims for several weeks now, despite the fact that my submitted evidence is incontrovertible and should be resolved in my favor immediately. As I have mentioned to XXXX XXXX in several messages, the evidence I have submitted should also have the effect of validating the prior disputes on transactions in the same date range as the ones for which BofA now has sales slips for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2023-07-16
Company: First Federal Credit Control, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
in XX/XX/2023 I went a concert I parking my car in a spot available, I saw a XXXX XXXX for pay XXXX dollars for the parking, but the online service dose n't work I waiting for 45 minutes and nothing happen I was late for the concert I pay a good amount of money. After this I receive a collection note for XXXX dollars and threats. I want to pay the parking spot, but I coulde n't. For me is a form a theft because their system dose n't work I have to pay extra money for a parking spot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not aware of the debt and it does not belong to me.I was not provided a contract with American Collections of the debt as requested. I have ask for many times for the information of the contract I have with them. I never signed one. 
American Collections has been in violation of code 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

I have a right to privacy and never been verified accordingly with a contract. Please have this medical items deleted for the XXXX medical account from all the credit beauru for being 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 2021-11-24
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is related to previous CFPB complaints XXXX, XXXX and XXXX complaint XXXX. 

XXXX ; XXXX offered my wife and I a loan modification which was not provided. After filing complaints, involving state and federal officials, the motions were put into place to process the modification. There was an explicit condition that our loan was to in absolutely no way be reported negatively. Just after the agreement was memorialized, the servicing company changed to PHH Mortgage, and they were aware of the agreement. I was in contact roughly every 21 days with the employee who was assigned to our mortgage account. We have made our payments on time. She was made aware when we made them. PHH sent paperwork at varying times stating that they attempted to reach us ( which was untrue given she and I were in contact quite a bit ) as well as paperwork to start the process over when we were nearly complete. She was addressing this internally and continued to show that we were on pace to be done with our trial period after the XXXX payment. There was one point where she called after the XXXX payment to congratulate me because we completed the trial period, but I told her we still had one to go and it was already scheduled. We were able to share a laugh and she told me that I was correct, there system had it incorrect. 

Problem One XXXX XX/XX/2021 should have been the last payment of our trial agreement. At that point our interest rate was to reduce from 4.5 % to 3 %. 
We have not received the final modification paperwork indicating this, in fact we have received no paperwork moving toward a finalized modification at all. 
XXXX XX/XX/2021 we made a payment to our mortgage in the same amount that the trial payments had been and given the reality of the calendar, we will be making the same payment on XXXX XX/XX/2021. 

Problem 2 PHH Mortgage has reported us as late 60 days to the credit bureau. This is catastrophic as it begins a credit death spiral ; when banks reduce a credit limit to just above outstanding debt, thereby driving up credit utilization. This in turn causes the credit score to plummet, which causes the creditors to see the customer as high risk, thereby increasing their interest rate. This is a cyclical pattern reducing the customer 's borrowing power, while simultaneously causing them to pay more in interest than they were previously. This process has already begun, and we have seen our limits vanish before the holiday season. Because this is a matter that by all accounts, every partied had settled and closed months ago, yet PHH Mortgage ( and XXXX XXXX XXXX  ) have thumbed their nose at us customers, at the regulators, have continued to cause severe emotional distress and cause real financial harm, I want compensatory and punitive damages.

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 2021-11-24
Company: Bread Financial Holdings, Inc.
State: RI
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: Their investigation did not fix an error on your report

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: CT
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/XXXX i mailed and digitally submitted the XXXX bueras my identity theft report about accounts and inquires on my account and nothing has been done its been XXXX days since. they are breaking the law please do something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an installment account under an open end consumer credit plan as late for XXXX  purpose. 

So I want my late payments removed from my credit report. My privacy has been violated and I did not give XXXX XXXX my written consent to share this information on my credit reports

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The Credit Bureaus stated that my account was properly investigated but how is that possible if Date Of Last Activity, Date Opened, Account Status, and Dispute Status are INACCURATE. This is grounds for REMOVAL. 
They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate.

FDCPA 807 ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 605 ( c ) - " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer.

They also took well over 30 days to investigate and respond to my written disputes within 30 days which violates FCRA Section 611 Part ( A ) ( 1 ) My certified tracking number for Transunion ( Delivered on XX/XX/2022 ) is XXXX. My certified XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX and my XXXX ( Delivered on XX/XX/2022 ) tracking number is XXXX. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2022-11-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX 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 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 ) XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX 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 XXXXXXXX ( 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 ( XXXX ) - ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
11 months and 34 days POST final divorce decree issued by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX XXXX ) collections is attempting to collect a debt that is owed by ex-wife. 
The services provided to her post divorce are her bill. Not mine. All Court matters were concluded and over. 
The services provided were not done within the scope of a prior XXXX order it was individual service to my ex-wife. I have no obligations for any services provide to ex-wife at all. 
XXXX tried this before and they had to nonsuit me and I was awarded back by the XXXX 100 % of my fees and costs. XXXX has a judgement against her for the first collections issue but I have nothing to do with that either. The XXXX XXXX ruled 100 % in my favor against XXXX claim the first time they tried this deceptive tactic and XXXX lost. They are attempting to collect on a second situation which is as this is filed pending in XXXX with counter suit against them. XXXX has listed the ex-wife 's debt on my credit file in what i believe to be not legal as there is basis to do so. This was post divorce and I have no obligations for her debts other than what is listed in the decree and this is not XXXX of them. There were never any joint accounts, nothing signed by me, and currently there is a pending court case regarding this matter. They know it is not my debt and this appears to be malicious, deceptive and second attempt because they lost the first time and embarrassed themselves. after they Non-suited me they took 4 months to correct my credit report. 
When they first served me with papers and contacted me I sent registered letter denying the I owed this with in the time frame clearly stating that this is not my debt. They acknowledge receipt of that letter. I ask in writing for their documentation and they refused to provide any. 
This is typical of XXXX here in XXXX and I am seeking a counter suit in this situation and in discussions of a class action status against XXXX as others have had similar situations of their collection practices.

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