BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Ocwen Financial Corporation
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 Phh Mortgage Acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a mortgage account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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 is missing that should be on the report

Complaint:
Transunion, XXXX and XXXX removed my XXXX XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on 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 2022-11-19
Company: Bread Financial Holdings, Inc.
State: GA
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 use a Mastercard for BJ XXXX purchases. I paid my XXXX amount due twice on the card managed by Comenity Bank. I immediately contacted Comenity and they confirmed my duplicate payment through the transactions on my BJ Mastercard in the Comenity system and said I was due a refund of {$530.00} for the overpayment.

I have contacted Comenity numerous times and have been advised that my claim for a refund was under investigation. I get periodic letters saying I need to furnish more information to support my claim when Comenity has already confirmed the overpayment and the Comenity credit card statement says if there is no activity on the account for 60 days, a
check will be issued for the balance in my Mastercard account. The only transactions on my account since XXXX were Comenity charges for interest on purchases which is incorrect since the purchases were paid in XXXX and late payment fees which are also incorrect. It is now well past 60 days and I remain unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: VA
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:
Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received an update on my credit report that a bill from the XXXX XXXX XXXX XXXX XXXX has been sent a collection agency on XX/XX/2018. The total balance due is {$180.00} and says the account was opened on XX/XX/2018. I have never had an account sent to collection or any derogatory marks or late payments. I didn't receive any phone call or letters regarding this bill so I wasn't able to resolve the issue before they sent it to a collection agency. I would like to see what can be done to receive some goodwill and have this mark removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TrasnUnion LLC and XXXX Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact TrasnUnion LLC and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.

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 2023-05-10
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In reference to my Trans Union Credit Report # XXXX which is in response to my dispute to four accounts of XXXX   XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX   that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Trans Union is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on 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 2018-07-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I telephone XXXX XXXX and asked an attorney to review my reconveyances and why am I still paying on a loan. They reviewed the documents and stated the property is clear no outstanding loan pending. 
On XX/XX/XXXX I wrote to Select Portfolio Servicing , Inc . 
XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX requesting reconciling my accounts they are servicing because the attach reconveyances are Full Reconveyances and there is no pending loan on my property. They denied this and provided documents of a loan number that is not mine. 
I contacted XXXX XXXX again and they informed them of their status and XXXX XXXX sent them a letter to cease and discease colletion. XX/XX/XXXX they are still sending payment coupons ( upon which I have allowed my payment to laspe one month until this is cleared ). Present mortgage payment are XXXX {$490.00} and XXXX XXXX. 
XXXX I paid an real estate attorney {$5000.00} to help in my not owing anything on the property without success. I was referred by XXXX XXXX to another attorney this year XXXX and brought my payment which he returned because he said he could not help me. I was referred to a third attorney for him to file for a clear title but he stated I need to provide him proof by bank statement ( XXXX XXXX XXXX, XXXX ) or check showing I paid the amount. I have letters from XXXX indicating thank you for paying off your home loan. I visited XXXX Bank and requested that they provide me with XXXX statement but they indicated they were not able to provide this because bank records are destroyed in seven years.

I receive advertisement from financial institutions ( 2 ) this year ( XXXX ) indicating they are able to refinance my loan with XXXX of {$240000.00} and {$45000.00}. I call them back and advised that this loan has been paid and I do not want to see your name on my credit report. I asked how did you get this information and response was this is in your history on this property. 
I went to XXXX XXXX XXXX County Registrar Recorder office and this is in my history under account numbers I never saw. 
I reviewed my paperwork and found that XXXX transferred my loan for servicing to XXXX XXXX XXXX who had the account numbers on their first letter for payment under their company and during their servicing my loan they changed the number and never cleared the number of the loan. XX/XX/XXXX I wrote XXXX requesting them to clear this erroneous information from my property and the letter returned undeliverable. 
XX/XX/XXXX I need help in obtain the XXXX statement showing my payment of this property which then the 3rd attorney will take my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: I.C. System, Inc.
State: SC
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:
yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
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: Their investigation did not fix an error on your report

Complaint:
In XXXX 2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted Equifax and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. When I asked the credit reporting agency, Equifax, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. Equifax and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by Equifax to properly handle my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: FIRST HORIZON BANK
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:
This dispute is in reference to inaccurate reporting of a late payment on a closed auto loan with Iberia Bank on my credit report. 

I purchased a vehicle with XXXX XXXX XXXX on XX/XX/XXXX and traded in a XXXX XXXX XXXX XXXX : XXXX. There were several issues on the dealerships part with funding the new vehicle therefore, the final auto loan payoff to Iberia Bank was not submitted in a timely manner by the dealership. 

This in no way was my fault and prior to this incident I had never had a late payment on this loan. XXXX XXXX XXXX takes responsibility for paying off the XXXX XXXX XXXX late. ( See attached letter ) XXXX XXXX XXXX in a letter to Iberia Bank sent on XX/XX/XXXX detailed this issue and asked for any derogatory credit to be removed in reference the paid off an auto loan with Iberia Bank. 

If you have any further questions regarding this matter you may contact XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions 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:
Experian is reporting two accounts ( XXXX  XXXX & XXXX ) that are not mine and they are obsolete. I have requested for them to remove the old accounts from 2007 which they are now 11 years on my credit file. There is no payment history to start a statue of removal from last payment history date. Then, I have requested since you have refused to remove the two obsolete accounts from XXXX, I requested on several occasions a Method of Verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for verified disputes and it has not been provided by Experian. They only follow up by sayng they disputed. I am again asking for the two obsolete XXXX accounts to be immediately removed and if Experian does not I am again requesting the Method of Verification for the two accounts. I am also requesting the name, address and telephone number from the original creditor, in which they claimed verified I should not have to seek legal representation to remove this account that Experian is within the guidelines of removing the accounts.

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 2023-01-18
Company: D&A Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt that was owed for a hospital visit for my child on XX/XX/2014. I paid {$150.00}. I just received a letter in the mail from another debt collector wanting me to pay the remaining amount of the balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Chrysalis Holdings LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New Days advertising is deceptive and preys on borrowers.get money in the bank for financial security is ridiculous borrow at 5 % to put in a bank and earn.50 % maybe!!! Incredibly bad advicewhile generating feescompany should be shut dow not just fined!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Me my wife applied for Mortgage loan at Bank Of America. They told me that they will give me the loan amount I asked if I buy a house in a certain zip code. I told them I want to buy a house in XXXX XXXX MD and specifically in Zip Code XXXX, XXXX and XXXX. They told me they will not give me a loan to buy in those zip codes. They said that they will give me a loan if I buy in certain zip codes only. We have excellent credit score, have assets more than the loan amount. The reason they don't want us to buy in those zip codes is that they said my wife have only one line of credit even she have more than 700 credit score which is excellent. For me I look it like this. Most poor people don't have more than one credit card ( line of of credit ) and they want those people to buy only in certain zip codes may be they don't want them to live in good neighborhood. 
The loan office is : XXXX XXXX. 
e-mail : XXXX Phone : XXXX His manger is XXXX XXXX e-mail : XXXX Phone XXXX. 
I talked to the manger and and he told me the same reason. Also the manger told me that even we have good income, good credit score and enough asset for down payment and so on, we are still risk borrower. We are XXXX XXXX and we emigrated to this country and we suspect that is the reason they don't want to loan to us. 
I have e-mail that I received from the loan officer for refusal to get loan in those zip codes. 
Thanks,

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 2018-07-20
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received letters and phone calls from XXXX XXXX XXXX in regards to an ER doctor bill from a visit my son had on XX/XX/17. At the time of the visit, my max out of pocket had been met. Additionally, the hospital itself received payment within 2 weeks of our visit. The ER doctor 's office - XXXX XXXX XXXX XXXX failed to file my claim appropriately by not putting my son 's name on the claim. They put my name down as the patient and used my sons DOB and gender, thus my insurance denied it because it didn't match up. The doctor 's office forwarded me to collections. I called GLA and indicated that it was not my error but the doctor 's office and they told me it was my responsibility. I called the doctor 's office and they refiled the claim. My EOB indicates that I have {$0.00} responsibility on this claim. In the meanwhile, GLA put this on my credit report. I do not owe this, it was the doctor 's office error and this matter is on my credit report which wrong and inaccurate. Anthem, my insurance is going to call the doctor 's office, but I want this removed from my credit report. It is not right that it is on there. 
GLA Collection XXXX XXXX XXXX, XXXX, KY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
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: Personal information incorrect

Complaint:
INCORRECT PRIMARY NAME AND ALIAS NAMES AND WRONG ADDRESS AND TOO MANY PREVIOUS ADRESSES THAT I NEVER LIVED AT SEE XXXX XXXX FOR FULL EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX dated XXXX XXXX 2017 attempting to collect a {$250.00} debt on behalf of BMO Harris Bank. Not only have I never done business with BMO Harris Bank in my life, but the letter is addressed to my middle name. I have not contacted XXXX XXXX, because this debt collection attempt is fraudulent, and I do not want to them to have my contact 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 explanation
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXXXXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until 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