BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent a letter in response to a letter I received by Transunion dated XX/XX/2018 related to the debt referenced XXXX XXXX XXXX and the inaccuracies on my Transunion credit report. I sent two requests for debt verification to XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/2018. I stated the basis of my initial dispute was due to multiple inaccuracies across all three credit bureaus such as the date ( s ) of last activity, payment history, and the status of the account. They were unable to verify  the alleged debt with proof of a consumer contract with my signature on it. I sent a third and final request on XX/XX/2018 to have the negative file removed from my credit report since they couldnt verify the debt. They failed to positively verify with sufficient proof my legal signature on the original contract ( s ) with XXXX XXXX XXXX since they are the reporting company listed on my credit report. 

On XX/XX/2018 my score was XXXX. On XX/XX/2018 my score increased to XXXX due to XXXX XXXX XXXX removing the item from my credit report. On XX/XX/2018 my score went back to XXXX due to XXXX XXXX XXXX adding information back on to my credit file which I believe to be in violation of my FCRA rights by adding and reporting negative and unverifiable information. I requested to have all information and accounts related to this alleged debt removed from my credit file immediately. When I check my report and score each week the negative information is still listed. XXXX XXXX XXXX refuses to remove the negative information and Transunion is not doing anything about it even though I submitted my proof that the alleged debt is not belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2021 I recieved a new XXXX XXXX XXXX. The account at XXXX XXXX was closed. Somehow XXXX had the wrong telephone number for text messages, phone number XXXX, my daughters number. When I attempted to change the number, the web site would not allow the change even though I confirmed my information. Cell phone XXXX When I call the relationship manager, I get put on hold for an extended amount of time, and am getting no answer. 

I do all of my banking and credit cards on XXXX and online. This is not o
ly an inconvience, but it could allow others access to my 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 2020-06-30
Company: EQUIFAX, INC.
State: ME
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 advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit  reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Experian Information Solutions Inc.
State: NC
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 reached out to experian on several different occassions. Disputed the same information at least 3 times. Then they continued to send me a letter that states they refuse to investigate. I called and disputed the information again and they investigated. They told me that they contact the furnisher of the item on the credit report and asked them that if the items are true. I sent a letter asking if they can furnish the contracts that states that this debt is true and they stated that they dont review those items. That is a clear violation of the FCRA. Lastly, they are showing items on my credit report as open, when indeed they are closed. These items are from XXXX XXXX. They intentionally increase and decrease the balances within the month to make it appears as if I agreed to make payment on the account. I have explained this to Experian and they still refused to report it accurately. These accounts should be reported as closed. I will be seeking damages against the collector and experian.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: TX
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

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 2018-08-27
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft and Equifax has not removed these fraudulent accounts after I have submitted all the necessary reports to get them removed. My credit scores are suffering as a result of these accounts still being on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
charged off CHILD SUPPORT is still reporting on my credit report as a negative. It should be off my 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 explanation
Consumer complaint received 2018-08-27
Company: Madison Management Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to report the following mortgage investor and collection agency companies for unwilling to negotiate 2nd lien that was filed in a bankruptcy in XX/XX/2009 and they have bought this paper and forecing me to pay them by putting my home in foreclosure. my home is still underwater and currently is not behind on the 1st lien mortgage due to a loan modification completed in bk under the HARP program ; The two companies are the following : " XXXX XXXX XXXX XXXX '' and " Madison Mortgage '' I filed BK XXXX in XX/XX/2009 and during that period the 2nd lien was with " XXXX  ''. XXXX during the BK process was showing on credit report as the debt being charged off. For this reason this debt was not " reaffirmed '' for the option to do a loan modification. Also due to the home severely under water. Since then this loan was sold to several investors and the latest investor ; XXXX XXXX XXXX '' has bought loan and started to send out demand letters for me to pay them. Since the Lien is still tied to the property and never was Stripped my BK Attorney only option was to try and negotiate with the the investors. The investors is using : Madison Management '' as the the third party collection agency to try and collect. we have tried to offer several amounts to pay this lien so they could remove it from title. All offers were denied.They want me to pay the full balance that was due at time of BK filing, all late fees and attorney fees. They also want me to pay a 9.50 % interest rate which is to me predatory.

I Have sense hired a different attorney who has been trying to negotiate this lien and have been very unsuccessful as well. They have denied every offer the attorney has offered.

The investor has scheduled my house to be foreclosed as a way to strong arm me into paying them what they want me to pay them.

this practice is unlawful and i know i have some sort of rights to protect and save my home.

Since filing BK i have been currently with the first lien with no late and do not want to file BK again just to stop them for foreclosing They have also violated my privacy by researching me online on XXXX  to discover I have a business and is married. So the feel I have the means and capital to pay them what they want me to pay them.

This has been a very stressful situation and now is affecting my health as I need help stopping this investor from violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: National Debt Holdings, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX received several phone calls stating a letter would be delivered at my home or employer and would have to have a witness to sign. When called on same day XXXX XXXX from national debt holdings XXXX stated that they would garnish my wages if I did not begin a payment plan that day. XXXX is a payday loan not legal in my state of Arizona. They took out XXXX in XXXX and XXXX every month after until XX/XX/XXXX. They are insisting I pay more now and are threatening criminal charges if I dont pay. I checked my credit report and this loan has never been on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a promotional balance that is due in XXXX, 2020. When Covid hit I contacted the Care Credit in to see if I could get an extension, they denied me NUMEROUS TIMES saying 'You already made the purchase, we can't extend the date the Promotion expires '. So I set up Automatic Payments in XXXX so I could make equal payments in time to pay off the balance. I logged into Care Credit Synchrony 's website : https : //www.mysynchrony.com/ in XXXX and noticed that they did NOT take out XXXX and XXXX 's payments automatically as stated in the Auto Payment agreement. I made a {$200.00} payment immediately and sent an email to Care Credit. I double-checked that my Auto Payment was still active and it stated that it would deduct the agreed upon amount on the Next Payment Date in XXXX. I just logged on today and they did NOT deduct my Auto Payment. Auto Payment is still Active. They are hindering my ability to pay on my credit card automatically. Their advertising is misleading : " You are currently enrolled in autopay for this account. Your next Autopay Amount of {$230.00} will be processed on your next payment due date '' It has not taken out an AutoPay since I scheduled it. They state, " Autopay : Never miss a due date again. You can choose how much you want to pay so that you never get a late fee '' and yet they are missing my Auto Payments. They are hindering my ability to pay off this Promotional Balance automatically. And they are misleading me into believing that I don't have to worry about a payment being made. They also deleted most of my email correspondence in my account on their website.

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 2018-08-27
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:
CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.

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 2018-08-27
Company: EQUIFAX, 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:
CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 problems with Caliber Home Loans 1. I sold my condo and bought a house in XX/XX/XXXX. In XX/XX/XXXX I received a letter from Caliber telling me I have not had home owners insurance since XX/XX/XXXX. They said they were unaware, they did not know. I called my insurance company and they told me my contract with them was cancelled in XX/XX/XXXX, because I have a chimney coming out of my garage that is unattached. They told me the garage would not be covered but the house was fine. I was unaware that the whole coverage was cancelled. I called XXXX XXXX and got a policy right away. In the meantime Caliber told me they are going to back date a high risk policy from XX/XX/XXXX to XX/XX/XXXX. They sent me a bill for {$810.00} I need to know if this is legal. I would never of gone without insurance if I had know. I thought the mortgage company is suppose to monitor this and let the home owner know. I do not know why after the fact I need to pay {$810.00}. 
2.I believe they have red flagged me are now harassing me. They have told me for the last 2 months my mortgage is late. I know it 's not. I have never paid my bills late. I pride myself on this. I paid the first late fee but when it happened. I called and was told they received it on the XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX. I called and they researched and said they received my check on the XX/XX/XXXX but did not post until the XX/XX/XXXX. They said it would be corrected. I received harassing letter and was told to pay the late fee and they will apply it to my principal. I do not have all this extra money for their mistakes. Why are they treating me this way?. They are very incompetent. I would like to be reimbursed for the first late fee because I promise you they are holding the checks and posting them late. Like they admitted to when I called on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid 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:
I have an account with Bank of America ( BoA ), opened in XXXX XXXX, Tx. My credit card was cloned and used to do several transaction on XX/XX/XXXX and XX/XX/XXXX at XXXX and XXXX in the state of Texas. They spent around {$1400.00} ( all the money in the account ). 
I traveled to XXXX on XX/XX/XXXX and I came back to United States on XX/XX/XXXX. I noticed this fraudulent transaction and I called BoA and asked them to cancel the card. They did canceled the card and they offered me a credit for the money missing in my account, while they conducted and investigation. I mentioned that I was not in the country at the time of the transactions and I had proof of this, but they say it was not required. 

I received a letter on XX/XX/XXXX saying : " Our records show the transaction activity in question was authorized and posted correctly to you account ''. I went to a BoA financial center located at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx to show them documents to proof I was not the one doing those transaction. They told me they did not handle that and I need to call the Claim Center. 

I called the claim center and I asked for an explanation about the outcome of the investigation and they said they revoked the claim based on two factors : 1. '' The transaction do not reflect any urgency on getting the money out from the account ''. However the transaction were done on two days.

2. " There is proof of my pin being used on the transaction ''. I asked to show me proof of this, and they say I don't have access to this information. I specifically as for this to XXXX ( employee number XXXX ) and his answer was that they can request the information but he could not guarantee that I will have the information requested. 

Apparently the investigation was very rigorous, but they missed the point that I have transactions in two different countries in the same period of time. On top of that they refuse to give a copy of the investigation or the records showing these fraudulent transaction where my pin was used. I spoke to XXXX ( XXXX 's supervisor, from Arkansas, reference number XXXX ) and the only option they are offering me is to send proof that I was outside United States ; however this will take time and they will remove the money from my account anyways.

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 2018-05-24
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had unpaid medical bills for my sons that were sent to my ex husbands address for over a year. I never received a bill. When I noticed there was a derogatory remark on my credit report from trans world, I immediately phoned them and they said it was an unpaid medical bill I then called the medical faculty and they said the balance after insurance was unpaid so they sent it to XXXX XXXXXXXX XXXX. 
I paid it immediately and transeorld promised to remove it from the credit report within 30 days. 
That never happened. Ive notified them several times and they refuse to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'M HAVING ISSUES WITH THE CREDIT BUREAUS UPDATING MY CURRENT ADDRESS AND REMOVING OUTDATED ADDRESSES 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 explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: OH
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:
My mortgage loan is missing from my XXXX and Experian credit report. It was previously being reported but when I last pulled my credit report it was missing. I contacted my mortgage lender and was informed that it is being reported correctly. ( it is also being reported correctly on my XXXX report ). I sent a dispute letter along with my identification, a copy of my mortgage statement and XXXX statement to both credit bureaus. This has been going on for a year and it is still not correct on my reports and it is lowering my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
An address is wrong It contains two alternate names

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 2018-08-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. -- -- -- -- -- -- -- -- -- -- -- - Equifax , Inc. will not delete nor remove this item from my credit report even when I provided proof under FCRA. -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: MI
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 company is reporting me for being delinquent. I paid for them months and months ago. 

I reported them to YOU. They said I'm not delinquent. My report literally says delinquent. 

They're committing fraud, then lying about it, AND YOU DO NOTHING. 

Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief