BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: ACIMA CREDIT, LLC
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: Account information incorrect

Complaint:
The lease company ACIMA has been lying and denying my rights and at this time I have been discriminated against. XX/XX/2020, I contacted ACIMA credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX through its XXXX XXXX XXXX credit card reported negative information to credit reporting agencies regarding a credit card charge. The credit card in question is on Auto Pay to debit my XXXX XXXX bank account. However XXXX  did not carry out the debit for three months so far and tacked on many charges of interest and late payments and caused my credit rating to drop by several hundred points. XXXX  also took me to internal collections

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX, XXXX and Transunion. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX, XXXX and Transunion ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character XXXX, XXXX and Transunion are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account XXXX, XXXX and Transunion are in violation of many of my rights as a federally protected Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Receiving harassing calls, showing up at residence, knocking on neighbors doors etc, company states they don't have my contact numbers ( XXXX ) XXXX XXXX never changed, these contacts are also showing on the portal, I have requested more then once not to call and or bother me @ the residence, I asked that they take the proper avenues legally to protect there interest as Iam awaiting such actions and will be filing bankruptcy. Freedom Mortgage has sent investors at late evenings disrupting residence, I have asked numerous times not to bother me or harass me today again XX/XX/XXXX attached letter taped to my door,

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 2018-10-03
Company: Experian Information Solutions 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:
Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines

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 2023-02-27
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}

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 2020-11-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second complaint to Citibank, the CFPB Case No. XXXX for the first complaint. I received a letter from XXXX XXXX an Executive Response Unit employee. My issue is that my Citibank account was locked for several hours because they said a check I had deposited for {$5000.00} was possibly fraudulent, I had to miss work and go to a bank branch to handle the issue, and it caused a big inconvenience in my end, because I had no funds to use and had to miss work without getting pay because of Citibank. I want to know what is going to be done about that from their end.

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 2023-04-04
Company: Shellpoint Partners, LLC
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 sent an email to Shellpoint Mortgage regarding the late payment they reported on my account in XXXX stating I was 60 days late. My loan was transferred to Shellpoint from XXXX and I was under the CARES ACT coming out of a covid-19 program, placed on a repayment program under the CARES ACT to where my account would not be reported while in the program. I have followed all guidelines as well as made each payment in addition to other payments just to get my account out of the repayment program. I actually got my account caught up in XXXX, when the program was designed to last until XXXX. 

I have tried to work with Shellpoint to get this late report off my credit. It is bad enough to have gone thru the enormous economical issues I did for over 2 years during covid and was fortunate enough to be able to meet all requirements to be put into the repayment program. According to the law, NO CREDITOR is to report anyone under any CARES ACT program late especially if they are following all guidelines. 

I am requesting that my account show they acquired my account in XXXX as it does and it is NOT NOR HAS IT EVER BEEN late as my account has been under the CARES ACT that Shellpoint acquired from my previous loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022, I sent a Revocation of Authority to Contact Third Parties, informing Bridge Lending Solutions that I am revoking their right to contact third parties related to me. One of their representatives, XXXX, contacted my son, XXXX, by phone call on XX/XX/2022 at XXXXXXXX XXXX PST. The phone number used to contact my workplace was XXXX ( XXXX ) XXXX. I understand that these type of calls are meant to intimidate and harass me, and I would like for Bridge Lending Solutions to respect my privacy. The lender did not identify themselves, but I recognized the phone number in the screenshot that my son sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my home in XXXX due to not being able to get a loan modification through wells fargo. I tried in XXXX - XXXX - XXXX and this is my 2nd time filing a complaint with the CFPB. After over 2 months of waiting for my issue to be reviewed and resolved they tell me that they reached out to me with no further contact and closed the case. They gave me no information to say why a follow up letter was not sent on any of the 3 times I filed for loan modification. I would send the requested info and I would call them asking for updates only to be told they lost it or were missing a page or two. I have emails and paper work from law offices and my realtor at the time showing where they sent info for loan modification. I talked to wells Fargo rep XXXX XXXX who advised me no additional info needed to be sent and then she says they tried to contact me all 3 times I tried for a loan modification but they provided no proof showing this. They haven't tried to help in any way and still continue to lie about assisting me. their common response is always deny they received anything and to delay the process and this has being going on for years. I have attached emails and fax confirmation s from my realtor XXXX XXXX in XXXX and the law firm I worked with in XXXX. I am also contacting them for all records concerning wells Fargo in my case. XXXX XXXX of XXXX XXXX in XXXX Tx # XXXX XXXX and XXXX XXXX was XXXX realtor 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 2023-01-30
Company: EQUIFAX, INC.
State: NC
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:
Please update personal information which I saw your credit bureau to be missing or incomplete. 
I see that my personal information you are reporting is not accurate and that concerns me as a consumer. This is inaccurate. I am asking that you help me have this inaccurate information. 
corrected. 
Name : XXXX XXXX Address : XXXX XXXX XXXX Social Security Number : XXXX DOB : XX/XX/1990 Current employer : Unemployed This is the only information that should be reporting as it has to be accurate in order for it to be retained and reported. Since my banking institutions and credit card companies have this correct information, so should you in order for it to be correct and truthful. 
Please mail me a new and updated credit report once corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Information belongs to someone else

Complaint:
I sent a letter on XXXX XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was Notified the end of XX/XX/2022, that my zales account missed a months worth of payment in XX/XX/2022, which shouldnt have happened because I had The account in autopay, when I checked My bank acct the payment had successfully went through on my end. My emails showed that the payment went through but for some reason the credit card was showing missed after sending emails stating it had been paid! I have Bank transactions that show proof it was paid and deducted from my account! I have Been going back and forth with this company for over 6 months now about fixing this issue. 
They had a system upgrade which caused plenty of glitches to happens for a few months and this is clearly one of the issues. On my credit report its saying that I missed XXXX payment but then on another its stating I missed XXXX and XXXX was paid for. Both discrepancies are incorrect because they were both paid. Because of this my credit score has plummeted XXXX from a missed payment which is ridiculous! The company has yet to try and help solve this issue, they keep responding back saying they will get back with me soon, sorry for the delay. They keep asking for the same evidence to be sent over again and again. Its like they are hoping I will Leave it alone but I refuse To because this is not right! 
I am attaching all of my correspondence with this company to get this issue resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} ; XX/XX/XXXXXXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX  XXXX XXXX XXXX {$310.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2022.

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 2018-08-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the same woman repeatedly calls about 3-4 times each week. she also calls my mother the same amount of times. she over talks me. she is very rude and threatening she works for a company called 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 2017-09-21
Company: EQUIFAX, INC.
State: MN
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: Didn't receive services that were advertised

Complaint:
Following Equifax 's discolusure of my personal information as a result of their technical incompetence, I have also been unable to enroll in their advertised offering of free credit monitoring and related services after the expenditure of considerable effort. 

The primary challenge to enrolling has been technical as well. After being placed in a multi-day queue to enroll two times, I received an email with a link to trustedidpremier.com that appears to contain an identifier unique to my request. The email assured me that it was finally " time to take the final steps in enrolling in your free product, TrustedID Premier ... '' The email also specified that " This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX 2017. ''  However, when clicking the link, I receive an error page and am then redirected back to the beginning of their process again, which requires re-providing this company with considerable sensitive personal information all over again, and presumably only would put me back at the end of a queue to sign up for the service a third time. 

The email also contained a telephone number I could call if I had questions or concerns, so I called the number. After a brief automated recording, the number provided a busy signal tone. 

I have at this point entirely lost faith in Equifax 's ability to use technology to deal in my personal information, so I do not wish to attempt to enroll in their service again.

Company response to consumer: Closed with explanation