BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Inquiry XX/XX/2018 I am in the process of purchasing a new home where I recently obtained a copy of my credit report. I noticed there are some inquires which I did not authorize. I contacted most of the companies directly, there was a lot, I am not sure where this is stemming from, and they educated me to contact the agency reporting the information as there was nothing they could do. I contacted the reporting agencies, I was advised to maintain a police report, I got a police report from my local police station ( The officer was a bit confused but provided the information nonetheless ). I contacted the agency reporting the information " Transunion '' again and was told to contact the company again. The following inquiries were not authorized by me and needs to be removed immediately. according to my records I have not provided the above accounts to obtain my credit report. If you have my signature in writing displaying where I did, please forward that information over to me. My mortgage lender also educated me to explain that I do not need ANY fraud alerts placed on my account as they will pull my credit periodically to verify information

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 2022-10-06
Company: EQUIFAX, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX OF XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX All has clearly 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Summary of my case : I. I refinanced my mortgage loan on XX/XX/XXXX. The mortgage monthly payment was 74 % of my monthly net pay. 

II. The closing took place on XX/XX/XXXX, but the alleged lenders attorney, XXXX XXXX, backdated the closing documents to XX/XX/XXXX, a week earlier, which completely eliminated my 3 days Right to Cancel. It was not until a year later that I discovered that TILA allows for a 3 year extension of the Right to Cancel and that the backdating, eliminating my 3 days to cancel, was a TILA violation. 

III. After 1 year and 3 months I could not keep up with the monthly payments. 

IV. The alleged lender filed foreclosure complaint. 

V. In Verified Answer on XX/XX/XXXX, I rescinded the refinanced mortgage loan. 

VI. The alleged lender ignored my rescission and continued foreclosure. 

VII. If they had followed the steps in TILA 1635 after my timely and valid notice of rescission, reversal to the status quo would have been easier. 

VIII. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

IX. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

X. On XX/XX/XXXX, a new Judge grants them Summary Judgement. 

XI. On XX/XX/XXXX, the new Judge granted them Foreclosure and Sale.

XII. What I have that proves that we didnt close on XX/XX/XXXX is a HUD Settlement Statement that was signed by me and dated XX/XX/XXXX. Note that this was 4 days after the alleged closing date. 

Please see my attached formal written complaint to the CFPB and attachments A through J for the details of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: MD
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 several disputes via writing to CRAs and via CFPB COMPLAINT, still no resolution.

Pursuant to 15 USC 1681n CIVILLY LIABLE FOR WILLFUL NONCOMPLIANCE : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or.

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow My actual damages sustained are beyond the 4 letters sent to the cras and the numerous complaints sent through the cfpb. I have been denied for credit and housing and my children have suffered because of the willful noncompliance of the cra. Enclosed are my proofs from the courts and third party that the bankruptcy you claim was verified numerous times 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 explanation
Consumer complaint received 2023-04-10
Company: BARCLAYS BANK DELAWARE
State: MA
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:
XXXX XXXX XXXX XXXX  XX/XX/XXXX {$180.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$180.00} These were all disputes when the XXXX XXXX XXXX was cancelled XX/XX/XXXX, since the convention was cancelled the company did not provide services. 
The company also promised full refunds asap & now here we are FOUR months later still none - so therefore the credit card company should be working harder. 
I have attached the cancellation notice of the event & the responses to my disputes from Barclays who claim insufficient proof that the merchant has violated the invoice/contracts terms and conditions.

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 2023-01-27
Company: FIRST NATIONAL BANK OF OMAHA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried fixing this on line but it hasn't changed and I haven't gotten 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 2022-02-17
Company: Experian Information Solutions Inc.
State: SC
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 XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to Experian, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/2022, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy items 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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 explanation
Consumer complaint received 2018-08-24
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently called and emailed the company in attempts to have the debt amount corrected in my credit report. They are reporting that I owe {$3500.00} when the debt should be reported as {$1700.00} per the XXXX county clerk of court. I have a notarized document from the court house that has the correct amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NV
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 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 reporting agency 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 explanation
Consumer complaint received 2023-04-10
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the new regulations that came into effect on XXXX XXXX, XXXX, debt collectors must send you a Notice of Debt within 5 days of their first contact with you. The notice of debt was not received and/or the original letter does not give hardly any information about the debt, does not mention that you can dispute, and does not comply with Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to XXXX, XXXX, TransUnion, and the company itself, but no one has responded. On XX/XX/2022, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy items 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 non-monetary relief
Consumer complaint received 2021-09-21
Company: Possible Financial 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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

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 2023-06-03
Company: Consumer Financial Services Solutions, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I was misled by the sales agent during our initial phone call and have now paid {$4400.00} into my dedicated account and only one settlement has been reached in the amount of {$1600.00}. I was only able to find this out by requesting a transaction statement, otherwise, I can't see what fees or anything are being charged. I specifically asked the agent about owing taxes on any amount negotiated and he told me that I would not owe taxes due to the creditors having some agreement with them under COVID relief. He added, if I do get a 1099-C, to send to Beyond Finance for them to take care of. This year, I received one in the amount of {$600.00} causing me to owe more on our taxes. I have called and attempted to speak to the agent and keep being told they would email him and he would call me back. He has never returned my call. I have complained about the misrepresentation to other representatives and was told they have never had any COVID program and they referred me to the fine print in the agreement. I unenrolled all of the credit accounts I could but still have one pending. The agreement says if I unenroll during the settlement phase they will get to keep all of their fees as if they actually finished the settlement despite not performing the agreed service fully. I'm not sure how they can legally collect their FULL fees vs just the ones they've already charged. 

I'm not sure what to do as it's been a year, my credit is worse than before, I'm owing more now than when I enrolled and I'm stuck. I'm set to complete their program by XX/XX/23, at which point, I will have paid this company a total of XXXX for them to only have " resolved '' my debt for less than XXXX XXXX and then owe even more to the IRS next year when I receive another 1099-C. Their fees are predatory and at least one agent materially misrepresented the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Aqua Finance, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I keep calling the number they have and Im getting the run around. 
I see a report by aqua finance and i never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-02-17
Company: Accscient, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter twice XXXX XXXX and they responded with an invoice of charges and on XX/XX/2022 a failure to validate letter was sent again to validate this debt and they responded by sending a letter saying this debt is irrelevant. The invoice of charges does not directly reflect that this debt belongs to me and does not reflect the requested documents I requested in order to validate this debt. Please delete this information from my credit file and cease all collection activities immediately

Company response to consumer: Untimely response
Consumer complaint received 2022-02-17
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with CREDENCE RESOURCE MANAGEMENT. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). CREDENCE RESOURCE MANAGEMENT can not and will not ever produce a contract between me XXXX XXXX and CREDENCE RESOURCE MANAGEMENT because that contract does not exist. As a private consumer and natural flesh and blood woman I have been violated by this organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: OH
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 written 4 letters within the last 6 months demanding removal of this account and no one will remove or verify this account with my original signature. Furthermore XXXX XXXX XXXX is not licensened in the state of Ohio where I reside to collect debt

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