BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
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:
XXXX XXXX XXXX XXXX of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX  below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
XXXX date is XXXX Talked to this XXXX they told me that clear path lending pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for clear path lending, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for clear path lending. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as XXXX below, and clear path lending. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX  Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXXXXXX XXXX XXXX These Accounts are not mine no supporting documents XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX  XXXX XXXX XXXX. These accounts are not mine never provided me supporting documents. 

Transunion XXXX Personal Information XXXX XXXX XXXX XXXX XXXX mine XXXX XXXX XXXXXXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

Transunion you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/XXXXXX/XX/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 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-06-28
Company: OneMain Finance Corporation
State: NC
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 recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened in regards at least 5 inquires with the CFPB XXXX and XXXX. 
Under my consumer protection rights I'm opening, and I will keep opening even with the same issue, this Incompetent Bank and its employees are using THE LEGALLY DISPUTED AMOUNT OF {$1000.00} FOR SERVICES NOT RECEIVED to report as delinquent Account which in fact is not. 
I made Aware XXXX THRU CFPB Inquires if they report this amount to the Credit Bureaus as delinquent account, I will take action against them as well I will file the proper complaint with the CFPB for a false statement made in one of their responses. 
Today I received an email by Experian showing the amount I legally disputed with XXXX for services not received as Delinquent Account. 
This Credit Report is affecting my Credit Status and the ability to get loans /credit with low interest. 
As well I'm including in this inquire to EXPERIAN to have remove a Legally Disputed for services not received, and to have Experian not to report a wrongful Amount on a Disputed Account. If they don't comply with my request also Experian will be included in the Legal Action after this formally inquire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A ) First Technology Federal Credit Union does not issue monthly statements with all transactions included. I told XXXX about this on XX/XX/22 and it has yet to be resolved. They will not respond to my phone calls or e-mails XX/XX/22. 

B ) XXXX issues indecipherable credit card statements. Their local branch can't explain them, their telephone help can't explain them, and their credit card office can't explain them. 

C ) XXXX has a bill pay system which doesn't pick valid payment dates when permitted to self-select them. XXXX know of this and claim that it is an unrepairable issue in their system ; unrepairable?!? 

D ) Members of XXXX are not allowed to have XXXX management contact information ; I wrote ( email ) to the President and CEO of XXXX on XX/XX/22 advising him of issue " A ) '' above and he has yet to respond or even acknowledge my message. When I called to get other XXXX personnel contact information, I was told that I am not permitted to have that data and that they must pass all messages to lower management to be passed to upper management ( maybe ). I can supply copies of many emails on topic " A ) '' and limited copies of topics " B ) '' and " C ) '' for more detailed data and to show their responses to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: WI
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:
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. 

They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.

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 2022-03-08
Company: CORELOGIC 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: Account information incorrect

Complaint:
Inquiries that I didnt authorize.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: PA
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 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 Account name : XXXX  Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX  XXXX Account # : 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 2020-12-17
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My wife and I have been XXXX XXXX members for over 30 years and in XX/XX/XXXX we were on our annual vacation at a XXXX XXXX timeshare XXXX XXXX location. During our visit we attended a NO obligation tour to get for additional points. XXXX XXXX provided false information about the additional points and pressured us to buy XXXX additional points. At this time I was XXXX years old. Mr. XXXX told us, we have 7 days to change our mind with no penalty. The very next day we went to the office to cancel the additional XXXX points. We were told XXXX was not available and he was the only person who could help us. We left the resort, returned home and immediately called, sent an email and a certified letter including the two Barclays cards stating we did not want the additional points ( please see attached ). The cards had NEVER been used and we never received a bill, nor phone call from Barclays. On XX/XX/XXXX we received a letter form a collection agency. After several attempts to resolve this matter we were forced to hire an attorney. On XX/XX/XXXX we agreed to surrender and XXXX XXXX agreed to take back our XXXX points. In addition to the XXXX they took back all of the points and weekly rentals we had accumulated over 30 years!! XXXX XXXX is reporting this account with a XXXX balance, however Barclay 's is reporting we have a balance of over XXXX and it is in a charge off status. I am now XXXX years old, I have lost all of my vacation time, and have lost thousands of dollars in attorney 's fee 's and now an in jeopardy of loosing my home to foreclosure effective XX/XX/XXXX. For three weeks I have been trying to resolve this with Barclays. I have sent documentation to both Barclays and XXXX XXXX and have had no success. I don't not want loose my home. Please 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 explanation
Consumer complaint received 2023-11-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ok I had a lot of problems canceling my extended warranty and I didn't get 100 % of the total and they stole my payments, they didn't apply them to the loan and they reported me late payments and they also sent me to collection for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk State Bar ; About XXXX XXXX XXXX XXXX  months ago, I received a phone call asking me if I was XXXX XXXX. They hung up. Then a large collection account was added to my credit profile. I filed a dispute via all three major credit reporting agencies. I requested proof and evidence. The only proof and evidence that was provided to me was a computer-generated signature. A couple of weeks ago, I made another attempt of getting this removed from my credit reports by emailing this law firm and XXXX themselves and requested some holiday compassion to forgive this debt due to permanent XXXX I am a 100 % XXXX XXXX XXXX XXXX  Law firm Vance and Huffman llc has NOT responded. Today, XXXX did reply via email. They stated they could not help because the debt now belongs to XXXX XXXX XXXX. This is the first time I have heard XXXX XXXX XXXX. Vance and Huffman LLC has NEVER mentioned they are representing XXXX XXXX XXXX or any other collection agency. After speaking with XXXX on the phone, they informed me this is a XXXX ( XXXX ) year old debt that I DENY. On the credit report notes, Vance and Huffman llc states this is a XXXX ( XXXX ) month old debt. That is incorrect. Vance and Huffman llc has intentionally behaved unethical, irresponsible and committed FRAUD by intentionally providing false information to the credit reporting agencies regarding the amount and the original date of this alleged collection. FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: PA
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:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Received account alert : " We are in the process of updating your account. For some or all of your loans, you will not be due for payment until after XX/XX/XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/XXXX. The months from XXXX through XX/XX/XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. '' I also received a letter stating that I was put on Administrative Forbearance until XX/XX/XXXX and no payment would be due. 
I happened to log in to my Mohela account today and my loans are back in repayment and I have a total due XX/XX/XXXX. I did not receive a bill or any notification that my loans were placed back into repayment despite being told no bill would be due until XX/XX/XXXX. If I hadn't logged in today I would have no reason to believe my loans were back in repayment since I have a letter that states otherwise. 
Also, I submitted my PSLF employer verification for a number of months and was told only one month qualifies which is completely incorrect. 
I will attempt to contact Mohela when they're open but I have already tried contacting them previously and waited hours on hold before giving up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Without any knowledge of our XXXXXXXX XXXX XXXX XXXXXXXX card transfer to another servicer, ( Comenity ) we received a letter on XX/XX/XXXX from Comenity, that our payment arrangement with our previous servicer did not transfer. I paid no attention to this letter because I had paid off the XXXX card on XX/XX/XXXX and had put the card away and did not use it again. Our final payment was for {$3400.00}. We have proof from the bank of this payment and a confirmation of payment from XXXX XXXX XXXX. On XX/XX/XXXX we received a statement from Comenity that we have a balance of {$930.00}. I knew we had paid it off so I contacted Comenity and the issue was put into dispute. At this time we sent a letter showing the dates and amount paid and asked for any relevant statement to show that we have a balance. On XX/XX/XXXX they sent a letter " As stated in the previous correspondence dated XX/XX/XXXX, some information is missing to investigate your payment of {$500.00} is missing. We went to our bank and got proof from the bank manager of the {$500.00} that we paid. We then received a letter stating we have no record of your disputed XXXX signature payment. On XX/XX/XXXX we received another letter saying we contacted them about a missing payment of {$1100.00}. We did NOT contact them about this missing payment. All correspondence is very confusing. We sent a copy of all payments made when the card was with XXXX and copies of our statements. When we stopped using the card we forgot to change the auto payment that had been set up with our bank. It was {$35.00} per month. We failed to notice thaXXXX XXXX XXXX XXXXXXXX XXXX was receiving this each month. After our last payment they continued to take this payment monthly until XXXX of XXXX, ( 17 months ). We sent them a spreadsheet showing what we charged and what we paid and with the monthly auto payment we feel they owe us money. I also reached out to XXXX XXXX XXXXXXXX but they said they could not help us because not help us and gave us the Comenity phone number. I do believe they have sent us to collection. They have never given us anything to prove we had a balance when they took over the XXXX XXXX XXXX XXXXXXXX account. Each letter they have sent us they send us do not make sense. We have had a good credit score because we always pay our bills.

Company response to consumer: Closed with explanation