BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I just found out XXXX XXXX reduced the credit limit of my XXXX card. Prior to this, I received no notification that this action had been taken, or an explanation as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017, I filed a complaint against XXXX XXXX with the CFPB ( XXXX ), you investigated and closed the complaint. XXXX XXXX, then gave information about my account to AFNI , Inc., they show the account number ending in XXXX. My credit report indicates AFNI created a phony account on XX/XX/2017, made it look like payments were made and then delinquent after a XXXX. This is fraudulent reporting and having a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Everything happened today on XX/XX/28 I applied for a credit card through XXXX for a XXXX XXXX XXXX XXXX. The application was forwarded to the First National bank of Omaha. This application was denied. 

However Upon calling said creditor, they said there was absolutely no way they would send a credit report to me. They insisted they can send a denial letter but will not send out a credit report. 

I informed them of their obligation under the fair credit reporting act that they must send a credit report upon denial and request. They simply declined to send this report. 

I informed them next that I would file this report to the CFPB and the Nebraska attorney general to which they basically laughed. 

I spoke with a XXXX who refused to also give out their last name. This started to sound very shady. 

Their phone number is XXXX and the extension I was given is XXXX for XXXX who wont give out their last name for one reason or another.

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 2020-10-28
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: Account information incorrect

Complaint:
I am very upset with Transunion. I have had over 19,000 dollars clears from my collections and student loans but yet my score keeps decreasing. No matter what I do they will not increase it and its changed over 80 points lower in 3 months. I know I am in good atandjng with my creditors and trans union told me I need to pay everything off on my report in order to increase my score. Thats crazy then why would anumykns try to repair their credit. I cant get anything accomplished since I have tried so hard to help the situation only to be in worse shape than before.

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 2021-08-19
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : CBNA XXXX XXXX XXXX XXXX XXXX XXXX  CITIBANKNA XXXX XXXX  XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Wells Fargo under the agreement there would be a {$200.00} bonus after a period of 3 months. All requirements were met ( deposits/certain amount spent ) however when I just called the bank to question them why the money wasnt deposited they basically told me during that month there was no bonus? Huh? I opened this account because of the bonus! Just blown away by how deceitful and unhonest this new bank is. Not sure yet if Im going to close it. But its not looking to good so far.

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 2022-08-25
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage companies report me as missing a payment, I have never missed a payment.

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 2021-01-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I deferred my payment for my student loan and they were still charging me during my time of deferment. So on my credit its showing that I have multiple late payments because they claim when I deferred my payments I was not specific on which account. I make one payment monthly for all my loans why would I have to specify which account I was deferring.

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 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Transunion charged me for " credit monitoring '' which I never signed up for. I was trying to get a copy of my credit report and it said they needed my credit card number as a way of verifying my identity -- then they started charging me a fee of {$19.00} a month. I wasn't told before the charge appeared on my credit card statement and when I called, they were extremely obstinate in insisting that I had enrolled in this service. I never received anything for this service ( e.g. any kind of updates on my credit or credit history ) and I think their whole raison d'etre was to charge my card and stay below the radar hoping I wouldn't notice it on my statement.

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 2022-05-03
Company: EQUIFAX, INC.
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 accounts XXXX  XXXX XXXX XXXX, XXXX XXXX has violated my rights and is reporting active and open this debt is a charge off 15 U S C 1681 section 602A states I have privacy rights 15 U S C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian on the chapter XXXX bankruptcy that is currently on my credit report. Experian previously processed this dispute and claim to have verified the bankruptcy. Base on the documents that was provided the Bankruptcy should have been remove from my credit report. Please advise this company as to FCRA law in regards to having to investigate all disputes. I challenge the accuracy, compliance and reportability of this listing.

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 2021-05-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Have 27 unauthorized inquiries that are being reported by Equifax. Prior unauthorized inquired were deleted and received confirmation by mail, but still showing on website. Contacted Equifax which told me to do the process once again to file FTC report, which brought me back to reporting and going through this process once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: LA
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:
The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following companies ran unauthorized credit report on me.. XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXX XXXX, .. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

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 2023-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On last month I made a payment of XXXX to XXXX XXXX XXXX to renegotiate my contract and make my account active again, but they have failed to update the terms and credit information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Westlake Services, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previous CFPB Complaint XXXX Dear Western Funding. I am aware that you are an original creditor and while 'debt validation ' may have been the wrong wording to use in the letter the intent was to determine if your company followed UCC requirements in repossessing the vehicle. You may not be required to validate the debt but you are required to show proof you followed the law! So again ... I demand proof that the repossession of the subject vehicle was legal in accordance with the following : Auto Purchase Plan Agreement Credit Application ( to corroborate the identity of the alleged debtor ) Sale Invoice ( to corroborate claim amount of alleged debt ) Vehicle Invoice ( to corroborate consistency of claim amount of alleged debt ) Retail Certificate of Sale ( to corroborate parity between sale amount and claim amount ) Payment History providing evidence of payments including last payment date and Charge-off Date ( to corroborate actual debt owed net any payments ) Vehicle Title Dunning Letter Repossession Assignment ( initial ) Any subsequent Repossession Assignments Repossession reassigns Account Profile/Repossession Approval Repo Checksheet Notification Letter to Report Derogatory Status to Credit Bureaus Notice of Repossession/Right to Redeem with any additional fees ( e.g. Recovery fee ) to reflect Legal requirement to notify me personally, or by registered or certified mail at my last-known address, within 24 hours of such repossession. Notice of Plan to Sell Property at a Private Sale ( Notifying me of the time and place of a public sale and/or of the time after which a private sale has taken place ). Letter of Private Sale ( Disclosing Purchase price of the buyer ) Total Loss Protection Assurance ( Covers the loss of the entire car minus any payment obligations until submission of the claim ) Post-repossession assigns/assignments/assignment agreements Debtor Notification of Assignment pursuant to Bill of Sale for the sale of any chattel paper or payment intangibles relative to the debt UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL

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 2021-09-02
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with ALLY FINCL and I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Please re-investigate this account or simply remove this account PRONTO.

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 2022-05-03
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for the homeowner assistance fund and was awarded a XXXX XXXX to assist me with my mortgage with Mr. Cooper. ( see attachment ). I have been trying to get Mr. Cooper to facilitate the reinstatement of my mortgage and bring me current and despite everything I have done to comply with there request of me, I now believe that are they are being unfair and deceptive in my need at the moment and are causing me and my family unwarranted and undue stress. 

I have been told by XXXX XXXX with the State of Tennessee that the first disbursement that went out to Mr. Cooper was rejected and sent back despite of them being a participant in the HAF program. I have also been told by their customer service and collection department that they deny all knowledge of my grant. ( see attachment ) I was told again today XX/XX/2022 that the State of Tennessee reached out to their ( Mr. Cooper ) team a couple weeks ago and requested documents again as to arrearage because they rejected the initial funding for my account and they still have not responded. ( see attachment ) I am extremely concerned now due to the unfair and deceptive ways of Nationstar which has now been branded under the Mr. Cooper name and I am worried that Dejavu may be occurring again as to unfair and deceptive acts. Please investigate this matter and see if there are patterns that will suggest what I am complaining about today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
BANK OF AMERICA SOLD TO XXXX XXXX XXXX AND WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY XX/XX/XXXX, DISCHARGED XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I would like to take action against I.C. Systems for knowingly violating my rights under the fair credit reporting act - Section FCRA 623 ( a ) ( 5 ) ( A ). I had a debt that was suppose of been taken care of back in 2018. I do not owe this debt. I have fought XXXX XXXX to get this bill credited back to my account. I had XXXX XXXX service in 2018. In XXXX of 2018, i had moved to a different area. XXXX XXXX informed me that they would not be able to connect service in my area do to lack of signal. They said they had no choice to let me out of my contract. They said the early termination fee will be waved in this case. I returned all 3 cable boxes which i enclosed a receipt for. XXXX XXXX applied the early termination fee to my account anyways, along with equipment charges that was returned. I kept calling them to credit these charges back. They finally did in XXXX of 2018. A few years later, i get a bill from a collection agency reapplying these charges. I been fighting these collection agencies because they been illegally selling back this debt when there is no amount owed!!! This is unlawful! Now this collection agency sent me a new bill for the same charges! IC systems has violated my rights by changing the original last day of payment made on this account. The last delinquency date on this account was in XXXX XXXX. I have not made a payment on this account since then. Any past due amounts i have already paid. These charges are for equipment charges which was returned, and for an early termination fee which was suppose to be waved! I have enclosed a few bills i received so you know i am telling the truth. By law, when a collection agency buys a debt, they must keep the original last date of delinquency on the buyers credit report. They are not allowed to change this date in anyway! This is what they call the time of limitations of a debt. The time a debt can legally stay on someone's credit report. They took it upon themselves, and changed this date to the date they bought this debt! This is illegal and unlawful!!! This is not counting the fact that the debt is not even owed! I want to file charges against I.C. Systems for violating my rights under the fair credit reporting act for damages done to my report! I have enclosed documentation for this account.

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 2023-05-02
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: Was not notified of investigation status or results

Complaint:
That it's happening to me and my credit report is just so frustrating for me. This is not just embarrassing, but you and the company are both to blame for reporting this inaccurate information. You can remove the late payment annotation and update to paid now or as agreed.

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 2020-10-28
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently reviewed my credit report and saw a collection named : NATIONAL CREDIT ADJUSTERS, on it, trying to collect an alleged debt with an alleged creditor XXXX XXXX XXXX XXXX XXXX XXXX I think ) because they were the alleged creditor before with an alleged balance of {$480.00}. I do not even know where this account is coming from, I am definitely sure that this account does not belong to me, just about two months ago, there was a different collection company named XXXX XXXX XXXX, trying to collect on the same account. I am attaching as Exhibith A the previous dispute with XXXX XXXX XXXX with a copy of Police report that I filed on XX/XX/2018, regarding an issue with identity theft.

Company response to consumer: Closed with explanation