BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Zions Debt Holdings
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/23 I called XXXX to speak to a woman with an accent, she argued with me telling me to write a letter, she didnt want to give me any information, she did indicate it was an alarm company requesting collections. On XX/XX/23, I sent a letter to Zions Debt Holdings, XXXX XXXX XXXX XXXX, XXXX, UT XXXX, indicating this was not my account. I asked them to send me a copy of this alleged account or proof of debt, my letter was returned opened. I disputed with XXXX to correct this problem, they directed me to the FTC to report. Debt on my credit report is {$1300.00}. This is a fraudulent account, I showed XXXX a copy of the returned letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX  and Experian are reporting incorrectly my Date of Birth. XXXX  has the birthdate completely wrong it should be reporting as XXXX and Experian just has the year listed. My correct date of birth needs to be updated. My most recent credit report also shows the following accounts as not in dispute, when in fact these accounts are in dispute. Medical collection/chargeoff account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These line items are in fact in dispute and this language needs to be reflected on my credit report. In addition, these accounts do not belong to me. No original creditor has been listed and I do not even recognize who these collection accounts are for. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have have repeatedly disputed many fraudulent collections accounts on my reports across all 3 reporting agencies. especially after my last CFPB complaint some collections accounts have been closed and removed from my report but not from all 3 agencies. I am just searching for consistency between the 3 agencies, it has been 3 months and 2 agencies still show a few accounts as open when after the CFPB results say closed.

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 2023-02-21
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''

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 2017-09-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an Barclays Credit Card account that I used to withdraw cash. Once the statement came in I called in the customer service and asked them for the balance to pay it, I made a full payment and changed my address. After 4 months they reached me and told me that my account was past due. Upon finding out that the account was past due I made a full payment and paid it off completely. A few months later I applied for another card with Barclays and both the newly opened account and the old one were closed. I downplayed it and after a few years I applied again not knowing it is the same company-Barclays. I got denied credit and received a letter stating that I had unsatisfactory previous relationship with the. I called Barclays and explained what had happened in the past, she went over the notes and confirmed that I was right. She therefore corrected the negative reading off of my credit bureau report and reopened the account that they had closed back in 2014. A few days later after I received the old reinstated card I received another letter that they were closing my account again. I called in to get an explanation and they ignored me by saying that I had unsatisfactory relationship with them and that no further action or explanation would follow. I have the new reinstated credit card that they sent but my report still shows that I had late payments. No matter how many times I tried to call and explain they would find all types of excuses including wrong date of birth and wrong mother maiden name to not talk 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 2019-08-23
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
OCWEN LOAN SERVICING/PHH MORTGAGE IS STATED IN CORRESPONDANCE TO YOU OUR LAST PAYMENT WAS ON XX/XX/XXXX FOR INSUFFICIENT FUNDS. THAT WAS AN INVESTOR PAYMENT AND IT PROVEN ON OUR TRANSACTION HISTORY, OUR LAST PAYMENT WAS ON XX/XX/XXXX WHICH ALSO WAS STATED TO BE TRUE IN CORRESPONDANCE FROM OCWEN LETTER DATED XX/XX/XXXX WITH THIS BEING SAID OCWEN AND PHH MORTGAGE OUR FALSE STAMENTS TO YOU AND OTHER GOVERMENTAL AGENCYS AND WE WANT IT CORRECTED. 
WE WERE INCOMPLIANCE WITH OUR LOAN, VICTIMS OF FALSE CLAIMS ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX account was removed via succcessful CFPB complaint for non verifiable debt. Debt was added back to my reports as of XXXX/XXXX/2017. Creditor nor CRA sent any notice of readdition of the negative item to my report per FCRA. I still dispute the debt as invalid.

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 2019-02-19
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: Account status incorrect

Complaint:
We had a series of XXXX in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, Experian, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

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 2020-12-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am currently reviewing my Equifax Credit Report and there is a fraudulent account that Equifax keeps reporting and deleting over 3 years now! 
It was most recently deleted XXXX, 2020. I was informed because I provided enough documentation, that it would never report to my Equifax Credit Report again. 
Here is the Confirmation Number that I was given by one of the reps in their Consumer Fraud Department : XXXX Below is the fraudulent account which I am not requesting be deleted from my Equifax Credit Report for now the 4th time : 1. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX  XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I received a call from Genesis Credit Management, specifically an individual named XXXX XXXX. He called to tell me that I owed $ XXXX for a judgment that was already settled. When I advised him that I had an attorney who was retained & told him the first name of my attorney ( I was so stunned at his aggressive & threatening tone that I forgot the last name of my attorney ). He then began literally mocking me, saying " yeah, right. Everybody has an attorney. Just pay your bill, I know you don't have an attorney. '' I, again, stunned at his open mockery, told him that he can not talk to me like that. He again aggressively demanded that I just pay the money, that he knew I didn't really have an attorney. I tell him that, as an attorney myself, I knew my rights & that I would be filing a complaint against him. Mockingly, he says, " oh really, with who. '' I say a consumer protection bureau & he again mocks me, tells me just to pay the money I owe. The entire experience was not only humiliating, but horribly offensive. I have received no billing from Genesis Credit Management & no other indication, other than this horribly offensive, aggressive & threatening conversation with Mr. XXXX, that any amount is owed. After demanding to speak with his manager, she seemed somewhat more helpful, but I still dispute the validity of this debt. I gave her the phone number for my attorney & was FINALLY advised that since I had indicated that I was represented by an attorney, they have to consult with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America sent me a past due notice today XX/XX/19. The full amount due was {$1400.00}. I immediately made a payment of {$1200.00}. I had the funds, just forgot to make the payment.I then wanted the {$25.00}. late fee reversed. In the past due notice was a message that said, " We're here to help, we appreciate the opportunity to serve your financial needs. Please call us at XXXX '', which I then did. I received a recorded message that said, '' We appreciate your business '' and then menu choices. At XXXX XXXX   they gave me a call back from the Virginia Office of BofA. I explained why i didn't make the payment, told them I had just made almost the entire payment, and would they please reverse the $ XXXX.fee. First person said no, I was not eligible to have the fee reversed, I asked why, she said, We don't need to give you a reason, you just aren't eligible. '' I asked to be connected to her supervisor, she connected me to her supervisor named XXXX from Virginia office, she said " it doesn't matter how long you have been a customer with us, and that you wiped out almost the entire balance, you are not eligible for a fee reversal, because you have not lived up to the terms of the agreement you made with BofA to make a timely payment '' ( paraphrase here ) I asked to be connected with the supervisors supervisor who word for word echoed the same statement as # 2 supervisor. All from the Virginia office of BofA. No regard for the fact that I have been a long-standing BofA customer, am XXXX years old, and on a fixed income. {$25.00}. means alot 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 2019-02-19
Company: AMERICAN HONDA FINANCE CORP
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: Information is missing that should be on the report

Complaint:
My wife of 4 years had substandard credit and I co-signed a loan with her for a new Honda 2 years ago financed through American Honda. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted American Honda and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate.

I would say that this approach by American Honda is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: LEXISNEXIS
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted Lexis Nexis about some incorrect information several months ago. They were not helpful. Nothing has changed with the credit reporting agencies.

They have me confused with my mother in law who used to live at my current address.

Now all the credit reporting agencies use HER information in their systems to check my identity when I try to log in. She is in her late XXXX  's and I need to have this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is not my account : XXXX/XXXX  # XXXX Please provide method of verification.

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 2018-07-16
Company: TD BANK US HOLDING COMPANY
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Two fraudulent charges were made to my credit card. Both charges were for the amount of {$480.00} and were paid to XXXX. The first charge was made on XX/XX/XXXX and posted on XX/XX/XXXX, the second charge was made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported the fraud to the card issuer and they got back to me in writing stating the fraud was suspected and issued a credit to my account for {$480.00} for the first charge, the XX/XX/XXXX activity. When I did not get a disposition on the latter fraudulent charge a called and asked them to reopen the case to include the second fraudulent charge. They said they would but it has been 2 months and I have not gotten a refund for the charge nor an explanation. I have called customer service at least 8 times and they see the problem, but can't resolve the issue. I spoke with a supervisor 10 days ago and she assured me she would take care of the fraudulent charge yet it still is on my statement as a legitimate charge, in fact, they are charging me interest on a bad charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a student loan that I took out in XX/XX/XXXX. I've been making payments on this loan for almost 10 years. The original loan balance was about {$7600.00}. My balance is now about {$5700.00}. I looked at my loan payment history at Navient and found out that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and some of XX/XX/XXXX, my entire payment was applied to interest only. I talked to Navient today, and they told me that in XX/XX/XXXX, I signed a graduated repayment plan agreeing that my entire payment would go to interest only. I can't believe that it is legal to keep a person in debt this way. I want an adjustment on my outstanding balance with Navient to reflect that previous payments should have been divided between interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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 belongs to someone else

Complaint:
This is not my account : XXXX/XXXX # XXXX Please provide method of verification.

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 2019-02-21
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
Specialized Loan Services incorrectly applied two mortgage payments in XX/XX/XXXX. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with SLS since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XX/XX/XXXX- XX/XX/XXXX show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.

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