BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: UT
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 is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.

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 2020-01-22
Company: Bread Financial Holdings, Inc.
State: PA
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:
In 2019, several attempts were made to request that Comenity Bank/XXXX accurately report the status of my former account as " paid ''. Disputes were submitted to credit bureaus and requests were made to Comenity Bank. 

Comenity Bank has continue to inaccurately report the status of this account, even though it was sold to another entity, and subsequently paid. The account is not in a current " charge off status ''. I was given assurances that this status would be removed, and updated to " paid ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting a inaccurate credit inquiries on my credit report. The first is from XXXX XXXX on XX/XX/2023. The second is from XXXX  XXXX XXXX on XX/XX/2023. The third is from XXXX XXXX on XX/XX/2023 This is incorrect and TRANSUNION has already agreed to remove these from my credit report. I spoke with XXXX from TRANSUNION via the phone on XXXX XXXX and was told these would be removed. They are still reporting on my credit report. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inquires resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction or permission to furnish these inaccurate inquiries on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2021-09-10
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
OCWEN performed illegal actions in line with the definition of a predatory lending institution. Our 1st and 2nd Mortage were both bought out by Ocwen XXXX by companies that had gone bankrupt LItton/GMAC. We received false documents stating our loans were late, in danger of foreclosure, and payments programs were no longer being honored. After being denied for a HARP refinace program since our loans were current, we signed a Loan Modification Equity Share ( XXXX ) in distress as Ocwen was placing our split payments into a forbearance account and not crediting them to our balance which caused us to enter an Equity Share program for our 1st Mortage to avoid foreclosure.

Ocwen stated our refinanced balance was $ XXXX and we would owe 25 % of all future equity above $ XXXX when we sell or refinance of our house. OCWEN deferred the balance of our refinance agreement to $ XXXX increasing their value of the equity share from $ XXXX to $ XXXX since our payoff is now based on an appraised value of $ XXXX. 

Ocwen also breach the contract with our 2nd Mortgage when they took over our loan from GMAC which part of an Equity Acceleration program making bi-weekly payments which OCWEN acknowledge based on continuation of the payment agreement. OCWEN performed unauthorized transactions from our XXXX XXXX XXXX account outside of the agreed upon dates in XXXX which forced us to cancel our XXXX XXXX XXXX Account and terminate their ability to make random auto drafts without our authorization. OCWEN then changed their name after multiple Class Action Lawsuits when created PHHXXXX to service our loans, bouncing the 1st and 2nd Mortgages between to the two entities and continuing to send us false statement stating our accounts are behind. 

We are unable to refinance or purchase a new home without penalty as OCWEN is using tactics that they have already been deemed as guilty in previous court cases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX, there are items and my XXXX  and Experian that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: MD
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-16
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the coal mine he worked. He had to receive XXXX XXXX surgeries. After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: VA
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 implore you to take action and remove these fraudulent accounts from my credit report 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 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX at XXXX I was depositing {$730.00} into a Bank of America ATM and ate my money ( it cancelled the transaction ). I checked if the money went to my account in the app, but nothing was deposited. I have called the bank and they told me options that werent needed for my problem.

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 2022-07-14
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX. XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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: Account status incorrect

Complaint:
I have an account with XXXX 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/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 2023-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Prince Parker and Associates reported a negative trade line on my XXXX XXXX credit report on or about XX/XX/XXXX for {$190.00}. 

This was for a co-pay for XXXX XXXX XXXX XXXX XXXX, a medical provider. 

I had no clue I owed this bill. My credit was 850+ FICO score before this scumbag collection agency poisoned my report. 

Apparently, the original creditor was sending notices to my old address. I spoke with XXXX at XXXX XXXX and he confirmed this. XXXX also spoke to XXXX at Prince Parker & Associates and confirmed notices were being sent to my old address. 

While I have zero qualms with paying what I owe, I was never given the statutory right to dispute this debt and when I tried to resolve it today ( XX/XX/XXXX ) and spoke with XXXX at the agency she basically hung up on me refusing to delete the incorrect trade line. 

The problem is I changed my address with XXXX XXXX when I moved and due to their error they never changed it in their system. They as much acknowledged this. 

Now, I am in a point where I will have to hire legal counsel to sue both the practice and the collection agency if this is not immediately removed. The FDCPA as well as numerous state statutes were violated by not allowing myself time to make good on this debt I didn't even know. False reporting and threatening and communicating knowingly false information to a consumer reporting agency is actionable in court and I will not hesitate to sue the collection firm for how I was treated when they could have done the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
On or about XX/XX/XXXX  someone hacked into my XXXX account and posted XXXX seller listings that generated over {$5000.00} in sellers insertion fees. XXXX recognized the fraud and credited all but {$660.00} in fees to my account for this fraudulent activity. Despite repeatedly asking for the {$660.00} to be credited back to my XXXX account, XXXX failed to do so and an agent at XXXX told me on the phone to just file a dispute with my credit card company reporting the identity theft and fraud, and it should be no problem in getting credited back the funds. On XX/XX/XXXX  the {$660.00} charge appeared on my statement and I immediately contacted Barclays to dispute it on the basis of identity theft and fraud. At that time a temporary credit was issued and I received a letter confirming account closure due to suspicious activity. I received no further correspondence from Barclays until on or about XX/XX/, when I received a letter dated XX/XX/XXXX  stating that the matter had been resolved in my favor : ... '' after conducting our investigation, we have determined that you are NOT [ emphasis added ] responsible for the reported fraudulent activity ... '' Notwithstanding that, on XX/XX/XXXX  I was shocked and chagrined to find that despite the foregoing, my Barclays credit card was again charged the very {$660.00} that I was told I was not responsible for! I called Barclays customer service on XX/XX/XXXX  to see if such an obvious mistake could be immediately rectified, but the representative simply stated she would re-open the dispute and assigned me a case number. She requested I fax a copy of the very letter dated XX/XX/XXXX  that exonerated me, ( which clearly Barclays should have already had as they authored it ) along with information about law enforcement agencies I had reported the matter to. There was no immediate resolution in my favor as I had expected given the letter I had received. However, in the spirit of cooperation, I did provide fax to Barclays the requested information that same evening on XX/XX/XXXX and also followed up with a copy of the same correspondence by U.S. mail with a tracking number.

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 2019-03-13
Company: Express Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTE : I checked the option that showed " Attempt to collect the wrong amount '' because that was the best option. Not the real problem. 
The real problem was that I negotiated a " Pay for Delete '' with this company, and they didn't hold up their end of the bargain and delete the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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