BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
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 status incorrect

Complaint:
ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to USPS and XXXX sherrif , and XXXX FBI . No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. Experian resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.

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 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2023, i sent letters to the CRAs ( TRANSUNION, XXXX, AND XXXX  XXXX disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit 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 explanation
Consumer complaint received 2021-05-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently applied and was approved for a macys store card. The website was down and the phone department seamed to always be down and unavailable to service my needs. I was approved for a card about 90 days ago, and I haven't received my statements or anything yet. I made 2 payments in the store at macys and just received my card. There is such vague information about this account, and I'm able to pay bill online, app, phone, or instore. If I make a payment on the phone they charge a fee that can't be refunded 9r waived. The ability to make a payment is not available for me and this seams alarming. The ability is always their, but is always down for service and then I try to make a payment input the checking account information and it won't take it. The account says they take debit card Information as well and there is no way to put that In the system as well. I call to make a payment on my account with a debit card and they charge me a fee to make a payment that is impossible for me to pay other ways, online, app, or on the phone due to the system always having issues and freezes and crashes for unknown reasons I reported to macys. But my complaint is they charge even if the other ways are out of order. Not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30
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: Their investigation did not fix an error on your report

Complaint:
After filing several complaints against TransUnion through the CPFB and the the FTC TransUnion continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX  as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family

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 2017-09-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested and received a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ). The XXXX loan was approved and received by the mortgage servicer, GMAC Mortgage. The day before the Sale Date, GMAC Mortgage refused to accept the reinstatement monies that had been electronically transferred via XXXX computer system. GMAC claimed they required seven ( 7 ) days to reinstate my mortgage, and XXXX XXXX XXXX XXXX XXXX approval process left them with only five ( 5 ) days to reinstate my mortgage. California Law requires only four days, and XXXX California maintained that GMAC 's failure to accept the moneyparticularly the day before the sale datehad theretofore been unheard of. I called and talked with my loan 's investor, XXXX XXXX, and was assured my home would not be sold with an approved XXXX XXXX XXXX pending. 

My house was taken by GMAC on the courthouse steps XXXX XXXX, 2012despite XXXX XXXX 's assurances to the contrary. 

I then sought to get the sale reversed through the courts. GMAC had declared bankruptcy, so the lawyers attempted to regain my home for me through bankruptcy courts in New York. The New York bankruptcy court handling the GMAC bankruptcy refused to hear my case. They took my home without precedent, hearing or accountability.

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 2023-04-06
Company: T.S. Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was included in a XXXX XXXX repayment plan with the ORIGINAL CREDITOR. This collection agency was notified of this before the item was placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion is not aiding me in removing fraudulent items on my credit report. I have sent TransUnion all necessary documentation for them to block and remove the information from my credit report and TransUnion has been negligent. The fraudulent items on my credit report are XXXX XXXX XXXX and Inquiries of XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that I am seeking to block.

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 2019-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Friday XX/XX/XXXX I made two attempts to reach someone at online banking when I attempted to change my " pay from account '' list under Bill Pay. I was on hold in excess of 20 minutes each time. On Saturday XX/XX/XXXX at the branch I asked for assistance and was told I had to call online banking. Later that day I called XXXX again a 20 minute wait. I spoke with XXXX XXXX ( XXXX in the survey that was sent to me ). 
I reviewed my issue with the agent and requested that for my XXXX I wanted the Pay From List be changed to ONLY reflect my checking account ending in XXXX. He implied he was making the change as we spoke and indicated it would not be reflected for 24-48 hours. This made sense to me because I assumed it would go through batch processing. It's been 48+ hours and the changes have not been made. 
I am using the CFPB route for assistance me, as I understand it from XXXX, the bank has an online banking center in Arizona that is not working due to " something '' and they are down 100 agents so wait times are excessive. 

Assuming the agent took care of my request I responded affirmatively in the survey - those positive responses for XXXX are retracked. Perhaps waiting 48 hours before the bank sends a survey makes better sense so that customers can respond based on the bank doing what it said it would 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 2023-06-10
Company: Experian Information Solutions Inc.
State: MS
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:
inquiries are listed on my credit that i never applied for they are hurting me from buying a house and truck for my family.

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 2023-03-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the company never responded it been over a year,,, ,nor did they send verification.amount {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Citi card and am due a refund as part of the XXXX settlement reached with regulators. I received a letter from Citi dated XX/XX/XXXX advising me that my refund check had been sent, but not cashed. I called them on XX/XX/XXXX and was told they would send another check and to followup in 3 weeks. 

I never received the 2nd check either. I called Citi yesterday and there is no answer at the XXXX # provided. I called the regular customer service number and was told there was nothing in my history about the refund. I was told a manager would call me back by XXXX XXXX, but I never got a call. 

I want either the check, or the money applied to my account balance.

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 2017-09-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Can not get through to Equifax over the phone. They offer no other options to reach them. Unusual and maddening. They seem to be using this crisis to try to sell products. I accidentally signed up for their free 30 day trial and there is no warning there that if you have been affected by the data breach you have a year of free monitoring. No chat, no email, no opportunity to leave a voicemail and get a call back, When I did just get through to their number 5 minutes ago, they said it would be a half hour wait and then very loud and annoying hold music came on. These people seem to feel they do not need to be accountable. I will try to go in and cancel the 30 day trial online in a few minutes. And executives should be duly prosecuted for insider trading. Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following reportXXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : DPT EDXXXX 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 2018-10-04
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
reference : CFPB # XXXX / XX/XX/XXXX Debt was disputed and removed from my credit history. CitiBank resold this " again '' ~XX/XX/XXXX despite the resolution in XX/XX/XXXX. Now showing on my credit as NEW in XX/XX/XXXX ; which is, in my opinion, inaccurate and inappropriate. This is a complaint against CitiBank and the current collection company. XXXX XXXX XXXX. Please remove from credit history and collections. It is wrong to close and remove then reopen as NEW. Once closed, it was resolve. Feeling harassed.

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 2018-07-23
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account with XX/XX/2018, XX/XX/2018, XX/XX/2018, requesting they provide some type of application, or signed security agreement showing that this medical bill belongs to me. They continue to provide the contact for the hospital, in which the hospital billing department was not helpful. I have sent written letters to the collection company and called the hospital contact that was provided. The amount of the alleged debt is {$830.00} ; also in which I have not been to NO HOSPITAL or received any MEDICAL CARE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Both XXXX and Equifax are reporting inaccurate information regarding 2 credit card accounts. XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XX/XX/2017 my home was burglarized and several credit cards were reported stolen. At the time of the burglary I did not have the balances that are showing in collections as indicated on both credit reports for the above listed accounts. These cards were used by the thieves before they were cancelled. Each company only covered a small amount of the charges that were not made by me. I was also informed that there was insurance on both accounts that covered the additional amounts. 

I have attempted several times to have this corrected and neither collection company will provide me with where they are receiving information from nor how they are validating the information. Furthermore, one of the 2 original creditors has since granted me a new line of credit which is good standing. 

The collection companies are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX My complaint is with all of the above. XXXX and Equifax for reporting the information from the 2 collection agencies that is inaccurate and erroneous. These 2 entries are having a severely negative impact on my credit reports and neither of the 2 collection agencies will respond. Go figure, 2 collection agencies will not communicate with me but are still reporting incorrect negative information.

Please help ... I am so over this ... My attempt to secure a  mortgage for a house failed because of this non sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
GM Financial misapplied my personal property tax payments made in XXXX, XXXX and XXXX, XXXX, resulting in their sending monthly billing notices to me throughout XXXX for XXXX-due. Despite my repeated attempts ( over a year ) to get the misapplications corrected, GM Financial would not acknowledge that it was their error until I finally located a customer service manager in early XXXX, XXXX who agreed and I reached an agreement to make a " catch-up '' payment in XXXX, XXXX once the account structure was corrected, which I did on XX/XX/XXXX. Instead, GM Financial that same month reported me as " past-due '' to the credit bureaus, despite the agreement I had reached with the customer service manager. This result is the epitome of a " Catch-22 '' and I view this as an unwarranted and untrue punitive credit reporting action, and my attempts to get this reversed or corrected have been ignored to date by GM Financial - it is evident that they have the " power '' despite the gross inequity of the action. The payment history GM Financial submitted in response clearly defends my version of how they misapplied my payments but conveniently omits any reference to the ongoing dispute I was trying to rectify for over one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: UHG, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
United Holding Group purchased this debt from XXXX XXXX a while back. Since then, they have handed it off to multiple 3rd party collection agencies trying to collect this debt. I previously notified a prior agency and the original creditor I do not wish to be contacted and more importantly, they are not to contact employers, family members or any other party regarding this debt. Despite multiple verbal and written requests to stop, they continue to violate my rights under the FDCPA.

Company response to consumer: Closed with explanation