BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2023, I contacted Barclay concerning lowering my payment or interest rate for at least 6 months due to financial hardship. I received a call from the corporate office informing me that they do not have any programs available to assist me. I informed the company that I would not be able to continue to pay the full amount due. In XXXXXXXX XXXX, I paid them {$100.00} instead of the {$160.00}. After receiving the XXXX payment, I began receiving calls from Barclays informing me that they now have a program. I asked how long has this program been in assistance and was told that they have always had this program and others. They informed me that my account would be closed if I accepted the program. I requested that they send me the information so that I could read the terms and conditions of the program. I was told that I could not receive the information until I had agreed and paid the initial payment. I called today, XX/XX/2023. I was told by a lady in collections that she was filing a grievance on my behalf because of what I stated in this complaint. We got disconnected before I could receive any complaint details, and I didn't receive a return call. Barclays reported my account 30 days delinquent for {$64.00}. They received a payment last month. However, they are reporting my account as if they did not receive any payment. I can not receive any straight answers from this company. I have always paid my bill every month on time until XX/XX/2023. It is a disservice to customers with excellent payment history, not to receive any assistance when requested, and for the company to lie and state that there are no programs. I wish that I had never gotten this card.

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 2023-04-18
Company: EQUIFAX, 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 information incorrect

Complaint:
NAME : XXXX ACCOUNT NUMBER : XXXX This account shows late payments on all 3 bureaus & XXXX shows balance of XXXX $ which is incorrect, I'm uploading proof of statement, this account needs to be updated/corrected..never late.. 

NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX shows late payments, I have never been late on making these payments ever.. payment history needs to be corrected!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
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 was a victim of identity theft and I would like the items removed 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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/2021, I mailed 3 copies of certified mail to each of the credit bureaus. As I type this, the date is XX/XX/2021. None of the bureaus have reached back out to me. These inaccurate items on my credit report have harmed my ability to obtain credit. I am in the process of building a business that requires data only internet lines, and XXXX has charged me fees due to these inaccurate marks. I was also denied housing, and have had my credit lines closed or decreased with various companies. I have been denied a pre-approval for a vehicle, and have I used to have great credit until XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  put these inaccurate, negative marks on my account. Also, these companies are reporting inaccurate late payments to XXXX XXXX. In the case of XXXX, they have my name wrong on one account, and are double reporting 2 late payments twice, so any lender who pulls from XXXX will see 4 late payments to XXXX XXXX, and I was never late, because XXXX XXXX allows for a 15 day grace period before assessing any late fees. 

In the case of XXXX XXXX XXXX, they have sent confusing and inaccurate data regarding the amount owed. Please see attached that shows what all 3 credit bureaus are reporting, and what XXXXXXXX XXXX XXXX sent me. If I were to pay the {$340.00} in the letter that they claimed that I owe, I would have overpaid what I owed, resulting in financial injury. If I paid the amount that the bureaus claim that I owe, I would have paid less than what XXXXXXXX XXXX claims that I owe. In any event, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXXXXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

In the case of XXXX XXXX XXXX, the bureaus are reporting that I allegedly owe {$6900.00} to XXXX XXXX XXXX. However, according to XXXX XXXX  XXXX, they claim that I owe {$6800.00}. As I said previously, creditors and the bureaus are not allowed to report inaccurate information, and therefore, the XXXX XXXX XXXX chargeoff must be removed according to the Fair Credit Reporting Act ( FCRA ). 

XXXX, XXXX and Transunion are reporting information that is inaccurate, and must be removed.

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 2023-04-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo transferred servicing of my loan to XXXX XXXX XXXX as of XX/XX/XXXX. They claim to have sent an " information packet '' to XXXX on XX/XX/XXXX which would show me as the authorized user ( the loan is in the name of an estate I am the XXXX of ). As of XX/XX/18, XXXX has no record of me and therefore will not discuss the mortgage with me. Despite WF 's claim that the loan would be transferred exactly as it was, XXXX does not show the COVID forbearance in place and therefore has the loan as 6 months past due. XXXX has also issued payment for taxes that were already paid. WF refuses to provide any information as to what was sent to XXXX, thereby shielding themselves from any claim of failure to exercise proper care in executing the transfer. I assume both companies are to blame, but I have no way of getting anywhere, instead simply being batted back and forth between them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.

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 2023-04-18
Company: Omega RMS, LLC
State: IL
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 Omega Rms has violated my rights 15 U.S.C 1681b ( a ) ( 2 ) [ ( 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 data of an account without my written instructions. The company is falsely accusing me of owing them on behalf of XXXX XXXX XXXX {$3700.00}. for services I never used and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I owe XXXX with interest in student loans, Experian has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and XXXX. XXXX transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. Experian has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans Experian is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the XXXX account should be removed ASAP. ALL XXXX were transferred to XXXX and it is attached to this dispute with the actual XXXX notice!

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 2021-12-07
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : TD BANK XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX : {$1600.00}

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 2018-05-21
Company: Bread Financial Holdings, Inc.
State: OK
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 purchased a ring from XXXX XXXX in XX/XX/XXXX. I returned the ring within 14 days of purchase and closed the account. I was told all fees and charges would be credited to my account. When I received my XX/XX/XXXXand XX/XX/XXXX monthly statements I saw there was still an outstanding amount of {$2.00}. I contacted XXXX XXXX customer service. They indicated this was a mistake on their part and to please disregard the statements. When reviewing my credit report today I noticed I now have a late fee that has been added and the report indicates I am 30-60 days past due. I contacted XXXX XXXX  again today and the representative stated she inadvertently reported this incorrectly and realized her error AFTER she submitted the information to the credit reporting agencies. The XXXX XXXX   representative indicated she is unable to rescind the submitted information to the credit reporting agencies The rep. indicated they have removed and credited all fees to my account as of today, however I would need to initiate the correspondence to have this removed from my credit reports. The representative stated XXXX XXXX will be happy to confirm this error to the CFPB, FTC, and credit reporting agencies by contacting them at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2020-07-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX I am pay in full with all my mortgage payments from XXXX XXXX to XXXX I have been SAYING and REQUESTING THAT THIS COMPANY have been Submitting a request over the phone from me ALMOST everyday since XXXX XXXX. 

I HAVE ALSO BEEN ASKING for Specialized Loan Servicing cashier department to fix there web page to document all my payment as mortgage payments PAY IN FULL SO IT show that I am current from XXXX XXXX to XXXX. 

And all I get is a run around I been asking to SPEAK to the person who is in charge of the payment department and THEY KEEP TELLING ME THAT DEPARTMENT DON'T TAKE PHONE CALL. 

All they do is put ANOTHER request in FOR ME TO HAVE A SUPERVISOR CALL ME BACK time after time. 

THE person WHO call me BACK can't do anything WHO IS NOT A SUPERVISOR EITHER SHE OR HE CALL BACK, JUST TO tell me they will submit another request in. 

THE CLIENTS FOR THIS MORTGAGE CO.NEED TO GET SOME PEACE OF MIND INSTEAD OF MORE PROBLEMS. 

CAN YOU HELP US.

WHAT WE DON'T NEED TO get is another incompetent, unprofessional BLAH BLAH BLAH OR OUR PHONE CALL GET HUNG UP ON, AND WE HAVE TO CALL BACK AND GO THREW THE SAME OLD INCOMPETENCE AND UNPROFESSIONAL SERVICES ( NO SUPERVISOR FROM THE PAYMENT DEPARTMENT. NO CORRECTION ON OUR MORTGAGE PAYMENT AND ON THE TRANSACTION AND HISTORY. 

IF THE CFPB PUBLISH THIS DESCRIPTION ON THERE WEB PAGE EVERYONE WHO IS AFFECTED IN THIS WAY NEED TO FILE A COMPLAINT WITH THEM.

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 2021-05-01
Company: Healthcare Collections-I, LLC
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:
XXXX XXXX XXXX XXXX I have called their billing office several times. XXXX I called and they said I was paid in full. They show me as in collection as of XX/XX/XXXX. The amount is {$160.00}. After my call on XXXX I assumed when they told me I was current we were okay. However we are trying to buy a house and it still shows up as outstanding. We have never received a current bill or collection call. 
XXXX XXXX  : XXXX {$100.00} XXXX {$63.00} PAID IN FULL

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-07-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I called Equifax to dispute the accuracy of a XXXX car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for Equifax is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
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: Account status incorrect

Complaint:
What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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 2016-01-20
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is my mortgage servicing company since home purchase XX/XX/XXXX. I escrow my taxes and insurance and have done so with no changes in HOI company or escrow status since I purchased the home XX/XX/XXXX. This year my XXXX renewal was due XXXX/XXXX/XXXX and nationstar failed to make payment on my homeowners insurance. The policy lapsed as payment was not issued until XXXX/XXXX/XXXX and not received by XXXX until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i recived a letter from Nationstar regarding forced placed insurance. When I called I was told my HOI had not been paid this year. I ESCROW MY HOI WITH THEM! After escalation I was told the reason it was not paid was they did n't get a renewal. They also said the only attempts they made to get the renewal were the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My policy lapsed on XX/XX/XXXX and they made no attempts to obtain renewal or make payment on my HOI after the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My HOI had not changed, same company they made payments to in prior years. They never called XXXX to get renewal and didnt notify me until the forced placed letter arrived on XX/XX/XXXX. When i called them XX/XX/XXXX they advised payment was issued XXXX/XXXX/XXXX. That was a lie! Payment went out on day of call XX/XX/XXXX ( regular mail ) and was not received by Acuity until XX/XX/XXXX. There was nearly a 1 month lapse in my HOI coverage due to Nationstar 's incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
The account in question is not mine, as I stated in my initial complaint. Despite the fact that it says this account has been validated, the information is still incorrect. This account has to be immediately deleted from my credit record, as requested.

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