BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
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:
Im reaching out because there are still items on my credit that are still mine. Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX  Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX  Acct XXXX, XXXX, XXXX  Acct XXXX and XXXX XXXX XXXX Acct XXXX. I have contacted the FTC as I was advised and my local police. Im doing this on my own behalf. Please remove those items from my credit.

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 2019-09-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My complaint especially with Experian and the others also is screwing me over when I apply for a new credit card.They deem to presume my ability to be able to control my finances .I am XXXX retired worked at same job 32 years.lived at current address for 54 years, never bankrupt I have 3 bank accounts, a savings account 3 cars 1 paid 1 almost paid.1 two thirds paid All have value a XXXX XXXX XXXX XXXX, a XXXX XXXX, I have stock, I have health Ins.I have a pension Im sorry for the next but there is no other way to say it I want the XXXX to leave me alone and get out of my life I have had credit for 50 years. When I try to get a new credit card they don, t send my 40 + page file showing active or inactive accounts ALL PAID NEVER LATE no they send a letter to the banks saying I am over extended My credit has always been a pride for me, no one has ever lost a penny on me.I read on internet where some one like myself sued aforementioned " XXXX XXXX '' and won a lot of money but the XXXX judge lowered it.I just  wished I were younger.And they send me E mails recommending credit cards They have my history they don, t even know I have these XXXX cards.THIS IS A CONFLICT

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 2019-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In a previous dispute with XXXX XXXX XXXX. I petitioned Equifax for an incorrect derrogative in my credit reporting, the dispute was returned via USPS mail on XX/XX/XXXX that the debt was verified, but I was also asked to send my updated Credentials Address, Social Security #. In this same investigative letter I was informed that if I needed proof of original agreement that I would need to contact the creditor directly. In a letter written requesting validation to XXXX  of said debt I was told the debt was sold. My grounds for this complaint is the XXXX XXXX Opinion letter, written on XX/XX/XXXX by the UNITED STATES OF AMERICA FEDERAL TRADE COMMISION. I never recieved verification of the debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: AZ
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:
Bought home on XX/XX/2019 from XXXX XXXXXXXX. XXXX XXXX, an affiliate of XXXX XXXX, took on our va loan and 1st payment was due on XX/XX/2019. We paid in full on XX/XX/2019 and got from XXXX XXXX, Az a copy of home title saying also that it was our home paid in full. Evidently, XXXX XXXX sold our loan to XXXX XXXX who has been calling, sending invoices, harassing us twice a week along with sending late notices. Tried to contact both XXXX and XXXX XXXX many times and still getting nowhere. XXXX XXXX has put our so called loan on our credit report. Filed with Experian to have it removed but no luck so far. Tried to explain that we did not have a loan with them but they don't care still harassing and threatening to ruin our credit. We are stuck in the XXXX and XXXX XXXX, who XXXX told us XXXX XXXX would not take over loan until XX/XX/2019. Please help as we are elderly, husband a veteran and XXXX. Don't know what to do.

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 2019-06-30
Company: Experian Information Solutions Inc.
State: AZ
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 contacted Experian, pursuant to the FCRA, and provided the notice required by law, requesting that the credit reporting bureau investigate and remove unauthorized inquiries from credit report. 

Instead of properly investigating the matter and requiring the creditor ( s ) to provide documentation to substantiate that the creditor ( s ) provide the mandatory documentation that substantiated that the creditor ( s ) had legal authorization to access my credit report, Experian, merely responded with a letter ( Report # : XXXX ) that did address the matter of the unauthorized inquiries that they were requested to investigate and did not remove nor provide any evidence that would remotely suggest that they engaged in a proper investigation, as they are required to do by law, much less, that Experian, had obtained proof from any of the creditors, named in my dispute, that would prove that the creditor ( s ) had obtained authorization from me to access my credit file as the law requires. Therefore, Experian is in violation of federal law by continuing to report these unauthorized, illegal credit inquiries.

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 2019-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery services continues to call my phone morning and night, including weekdays and weekends. They never leave a message and when I do answer, they are very aggressive. I received a phone call once at XXXX on a Sunday, then again at XXXX on a Saturday, and every single day -- multiple times a day -- during the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To Whom it May Concern ; I have been residing in my home since XXXX I paid my mortgage monthly on time for the first 7 years. On XXXX and XXXX of XXXX I paid the mortgage {$200.00} for each month short and Countrywide instead of allowing me to make a payment of {$100.00} extra each month, they instead created a 2 and half year loan modification for only {$400.00}!! And of course we know that Countrywide is now Bank of America. My loan is now showing to be 87 months late and a rolling 90 days late. And it is also showing that the mortgage should be paid in 44 years!!! I have attempted to work with Bank of America and it is to no avail. I had a loan modification done in XXXX and Bank of America took away 12 years worth of mortgage payments!! Bank of America reversed the mortgage back to 30 years!! I can not believe what Bank of America has done to my loan!! Bank of America has snowballed my loan to where now I am not able to refinance my loan with another company due to the history of the loan. I need for the CFPB to help me get this predator lender to get my loan to show that my mortgage should only be paid off in the next 10 years. Bank of America has grossly done very UNETHICAL processing in my loan by having returned my loan to 30 years when I had already paid the mortgage for 12 years. I understand that I have been in arrears however I have paid the mortgage under several programs. At this time the mortgage has been in a loan modification for {$360.00} dollars since last year. And Bank of America makes payment every 2 months!! I need my house, I like my house and and I want my house. Bank of America does not delve deep into a resolution with all of the account managers that are constantly revolving. I know that as a mortgagee I should be able to have a permanent account manager. Bank of America is not aware of the fact that I worked for Countrywide for 7 years and saw the unethical processing done to the mortgagee 's who were brought in from small mortgage companies. I need help in order to sit with Bank of America for approximately 2 hours in order for them to add up my mortgage payments and determine exact amount that I need to pay in order to get my mortgage paid off. I'm disgusted with my mortgage.

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 2018-12-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Purchased a {$50.00} XXXX  gift card on XX/XX/18 for a XXXX gift. Daughter checked balance on XX/XX/18 and it was XXXX. Went to store of purchase and they said card was used XX/XX/XXXX in XXXX XXXX while I was at work in XXXX  XXXX CA. 65 miles away. XXXX XXXX   and XXXX  will not assist in any way. Totally bummed for my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
According to a Comenity Bank ( XXXX XXXX XXXX XXXX   ) telephone representative, I have been a retail cardholder since XXXX. I do not believe that my credit card has ever had a credit limit over {$500.00}. I do not believe that I have ever use the credit card to its limit amount. The credit card is serviced by Comenity Bank. 

I have been able to access my credit card statements from XX/XX/XXXX to current. As of XX/XX/XXXX, the previous credit card balance was {$450.00}. The XX/XX/XXXX statement reflected a payment of {$82.00}, a fee of {$37.00}, an interest charge of {$9.00}, an available credit amount of {$77.00} and a new balance of {$420.00}. 

As of XX/XX/XXXX, my credit card balance is {$430.00}. Between the billing cycles of XX/XX/XXXX and XX/XX/XXXX, I have charged a total of {$90.00} on the credit card, I have made a total of {$880.00} in payments, I have been charged a total of {$540.00} in fees and {$220.00} in interest. I believe that Comenity Bank has gotten more than the benefit of their bargain and that they are now simply making money off late fees and this is abusive. 

Since XXXX I have paid a total of {$240.00} and will not pay Comenity Bank any more money as they have received more than their fair share for the amount of credit used and services offered. 

I have had periods of unemployment and underemployment over the years and have not used the credit card to excess and I believe that I have paid much more than I have used. 

While I do not think it ethical to pay the current amount of late fees, I tried to mitigate earning more while I address the bill however the company insists on continuing to charge late fees even if the account is closed. This is abusive and unconscionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How can this be re-inserted without proper notification? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As you know from previous notes i sent to you this has been going on for some time. 
I did have a lawyer who was taking {$750.00} every 3 months from my credit card and i signed paper that he would represent me so Wells Fargo would not talk to me directly. 
33 pages plus bank statements and IRS etc was sent over several months but nothing happened.I started talking to Wells Fargo and and support closure specialist ex, XXXX XXXX and more no response. They told me they would not accept payments from me till I paid them {$21000.00} as i stopped payments as XXXX XXXX told me not to pay unless they lowered the payment, So i ended up with XXXX XXXX ( wells fargo lawyer ) which i go to court and get 30 days? to move out. I told them a few months back that i would pay {$900.00} every month starting mid XXXX but they want all or nothing.As of last week i was leaving messages with Support Specialist to call me back I would start making payments or refinance.I need to get a chance and i will sent them a payment immediately,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. Therefore, I submitted an FTC report to have all accounts deleted, but they failed to do so. I also, NEVER gave them permissible purpose to furnish any of the information included on the FTC report neither. Therefore, this false information should be deleted since they are violating my rights as a consumer.

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 2019-06-30
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: Their investigation did not fix an error on your report

Complaint:
Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : XXXX, Experian, and XXXX communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?

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 2018-12-15
Company: Experian Information Solutions Inc.
State: MO
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 following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX,XX/XX/XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must  delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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 went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well 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 explanation
Consumer complaint received 2019-06-30
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:
I contacted Experian, XXXX, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on Experian, 9 on XXXX and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.

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 2020-05-08
Company: EQUIFAX, 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:
ACCT # XXXX XXXX XXXX XXXX, was Disputed with XXXX , XXXX , and EQUIFAX through CFPB and only DELETED by XXXX on XX/XX/2020 File Number XXXX. I believe XXXX   AND EQUIFAX are in violation of the Fair Debt Collection Act, this is harming me by not accurately verifying and deleting this account.

Company response to consumer: Closed with explanation