BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2017-07-21
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
As of XX/XX/XXXX Freedom Mortgage continues to show last payment received was XX/XX/XXXX. This inaccurate. Per response from a previous complaint, Freedom Mortgage stated that XX/XX/XXXX payment had not been received. I sent Freedom Mortgage verification that payments had been received. confirmation of online payments and the XXXX banking statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Due to death in family, which led to temporary  financial hardship, I had requested to put off XX/XX/XXXX mortgage payment. Since I had not received any correspondence/ telephone call, I had been led to believe that Freedom Mortgage consented to my request. Freedom Mortgage inaccurate reporting has resulted in scores dropping, being denied refinancing/ person loans. Freedom Mortgages unwillingness to contact customer, has resulted in seeking legal action. This has been ongoing since XX/XX/XXXX. I have submitted letters to the executive staff, XXXX, IN.

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 2017-07-21
Company: WELLS FARGO & COMPANY
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:
There is unknown Wells Fargo credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

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 2017-05-26
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Optimum Outcomes has a negative listing on my credit file for a {$60.00} medical debt. The company providing the services was  XXXX   XXXX  which has sent been bought out. All insurance and co-pays have been paid in full.

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 2022-07-14
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 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 an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
We have a Chase Amazon.com Rewards Credit card. I had a declined transaction today. I phoned Chase customer service, eventually speaking with a supervisor XXXX XXXX. I made a payment through our bank 's Bill Pay on XXXX/XXXX/2015. I balanced our checkbook today, their {$300.00} payment cleared our bank on XXXX/XXXX/2015. The due date was XXXX XXXX, 2015. Please note that we made a {$4000.00} payment in on XXXX XXXX, 2015, so it was n't a late payment leftover from XXXX. 

I questioned if there was a " grace period ''. XXXX XXXX stated that the grace period is already built in. I have never had an issue with a credit card where when the payment was 4 days late, having made a {$4000.00} payment the month prior, the card is unusable as of the due date printed on the statement which was XXXX XXXX, 2015. 

Is it legal that the moment a credit card payment is late, they decline any transaction until the payment shows up ( which, according to my bank, this payment for XXXX has already cleared Chase 's bank )? 

Thanks in advance for your help with this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX, XXXX an amount of {$3400.00} was refunded from a purchase back to my Barclays XXXX MasterCard. I called on XX/XX/XXXX and spoke to a rep at Barclays XXXX MasterCard, they said a paper check would be issued in the amount of XXXX to me by mail. Two weeks later i called Barclays XXXX MasterCard, i let them know i had not received any checks, they said the mail had delays or i probably threw it away. They would send another check. On or around XX/XX/XXXX i received a check from Barclays XXXX MasterCard for {$2800.00} less the original amount i was promised to be refunded ( this is my money ), this check was returned by my bank with a {$12.00} fee to me. It is XX/XX/XXXX, Barclays XXXX MasterCard keeps wanting to send a check with a different amount, now they want to send {$2700.00}? 

What is going on, Barclays XXXX MasterCard is a bank. Do they have any fidicuary responsibilty to their customers?

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a complaint about a medical collection for {$1400.00} from the collection agency XXXX XXXX XXXX. I believe that their collection practices are in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and I am seeking your assistance in resolving this matter. 

The collection agency has been disclosing my medical information to unauthorized third parties, including family members and neighbors, which is a clear violation of my privacy rights under HIPAA. They have also been harassing me with multiple calls a day, including on weekends and holidays, which has caused significant stress and anxiety. 

I am concerned that they may be in violation of HIPAA. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX transferred me to a Company named Loan Care whom is still affiliated with them. I had been working on retention options with XXXX until the loan transferred. Once the loan transferred is when my account started falling through the cracks. Every time i called Loan Care I would be transferred to many different departments about 6-8 times since no one there knew how to help me. I submitted my application for retention options on XX/XX/XXXX, just days after it had been transferred. I kept being told that the application was in review for months. On XX/XX/XXXX, I was advised that they needed additional documents and that they would email me with the request. When i received the email, i was shocked and confused by the documents requested. Loan Care was requesting preliminary documents to sell my home and they advised that there was a sale date of XX/XX/XXXX. I never requested to sell my home and for months had been told that my file was in review and there was no sale date. Now they are forcing me into selling my home and telling me there are no retention options, my home is going to be auctioned all because i have an HELOC. This could have been told to me months ago before. Today, i received a letter in the mail stating that I can apply for loan modification options. Every package i submitted, i never received acknowledgement letter, i was never able to speak with a specific person and now i am losing my home. Please help me. i can not lose my home.

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 2018-12-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The bankruptcy is over 12 years old and isnt being removed from my file. None of the three bureaus are removing it. It was filed and completed in 2002

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 2023-10-12
Company: Grain Technology, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is not a duplicate complaint and I requesting for the company, Grain app to respond. The Grain app is reporting inaccurate information about my account. The account states on my credit report that it is in collection but my statement is reporting that the account is in a current status. I have been contacting the company and they are not responding to any of my messages in an attempt to get a link for a payment. I believe that this is defamation of character and is being done intentionally. I have attached the Grain app statement. I would like for this information to be deleted completely from my credit report. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-27
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
3-5 apparently machine generated phone calls per day from " Comenity Bank '' , using different phone numbers. After a while they have been successfully caller blocked since I have no business relations with that bank, as a former XXXX XXXX exec, did not know they existed. Today another phone call came through, not readily identifiable and I picked it up. I was told that I owe the bank " money '' for my XXXX account. When I told them that all my payments are made exclusevely to XXXX with my XXXX XXXX credit card the woman on the phone said, well, then you owe mone on your XXXX credit card. 
I told them that I do not have, never had, will not have a XXXX credit card. Then she said I am transferring you to the Fraud department. I was put on hold and finally hung up. 
I suspect that they then would have attempted to get all kinds of personal but for them useful information from me. 
Is this one of the XXXXXXXX criminal spam/phishing/fraud attempts? Has my identidentity been breached? Stolen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer-reporting agency may make any consumer report containing any of the following items of information. 

Any other adverse item of information other than records of convictions of crimes Which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 vredit reporting act XXXX Account # XXXX, has volited my rights.

15 USC 1681 section 602 states i have right to privacy 15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with my written instructions.

15USC 1668B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-12-08
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:
Equifax, XXXX, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX account number XXXX, Account Name XXXX  account number XXXX, Account Name XXXX account number XXXX, Account Name XXXX XXXX account number XXXX. Account Name XXXX XXXX  account number XXXX Account Name XXXX XXXX XXXX  account number XXXX Account Name XXXX XXXX account number XXXX Account Name XXXX XXXX number 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 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-27
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried calling and emailing to ask Mohela questions regarding my PSLF waiver and applying qualifying payments to my account. I can not get ahold of anyone nor have they responded to my emails even though they have been marked as read. Additionally, my approved application reflects 7 years of employment and that I am currently employed, again my qualifying payment count does not reflect this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation