BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
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 have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX  and got your contact so im asking please can you help me as well as inquiries that where not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ive already filed a complaint with this company to which Bank of America did give me a call left me a voicemail on XXXX XXXX of this year Ive called back almost a dozen times and left a dozen voicemails to which they have never called me back originally my whole reason for filing was because {$300.00} that was transferred to me was stated to have never been claimed or went through with the bank and was never put into my account to which Bank of America says that they can not help me with and they denied my claim for reimbursement they sent me a text stating that I received my wire transfer but when I went to call them and speak to them about it they said they had no idea how I was able to get a text and they couldnt explain it themselves I still havent been able to talk to anybody no ones called me back at all

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 2019-01-31
Company: Bread Financial Holdings, Inc.
State: CO
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:
Opened a XXXX XXXX XXXX XXXX XXXX account XX/XX/2018 for {$5000.00}. 
24 months no interest. 
I have made 13 payments of {$210.00}.

I purposely paid an extra month.

I have gotten repeated late charges of {$35.00} and/or {$25.00} not sure of why the difference.

I have called and spoken to them 3 times. I sent a secure message twice.

When I ask about extra payment, they don't really explain it.

When I ask what SPECIFIC day they need payment to avoid late fee, that also is obscure. It's very confusing. Payments received before the XXXX or after XXXX are for different months. But when I say you charged me a late fee on the XXXX and received payment before XXXX, you post payment to that month. 
Anyway, I'm very confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$860.00} Status Collection account. {$860.00} past due as of XX/XX/XXXX. 

UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$580.00} Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

all accounts never properly communicated nor gave proper options to settle account. 
never reported to my insurance before reporting to my credit por verifying myself. 
i have disputed all negative items with all creditors collection agent continues to report until XX/XX/XXXX i find that very unfair if no one tried to actually file or report to my insurance at the time of XXXX when accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: LA
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:
The unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: FL
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:
I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
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 a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX   and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. Experian and XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX  Date Opened XXXX XX/XX/ Balance : {$270000.00}.

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 explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX  XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

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 2019-05-13
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX , TX XXXX Good morning, My husband and I are reaching out to you, in the hopes that you will assist us with our dealings with mr. Cooper. 

Currently, mr. Cooper is making NO effort whatsoever to engage us in meaningful and substantial dialogue, which will lead to resolving our foreclosure situation. 

To begin - our loan was transferred to mr. Cooper, from Seterus Loan Servicing, in XX/XX/XXXX. At the time our loan was transferred, we were in default, however, Seterus had modified it, 2 years prior - to roughly 150 % loan to value. This is an important piece of information, as I'll explain in a moment. 

We initially hired an attorney to assist us with our negotiations - XXXX XXXX XXXX. Mr. XXXX did little more than cash our checks, in his efforts to resolve this situation for us, so after disengaging with him, we retained a company who claimed they performed loan modifications - XXXX XXXX XXXX. This company did almost as much work as attorney XXXX.. NONE. 

Since disengaging with XXXX at the end of XX/XX/XXXX, we have been repeatedly told by mr. Cooper that our file/account is STILL labeled as In Default Litigation and that they're unable to discuss our account with us. 

This, in spite of the fact that we sent our confirmation letter of disengagement with XXXX, as well as a complete explanation of our relationship with mr. XXXX - along with a request to correct the current account status, as we're looking at a Summary Judgment hearing on XX/XX/XXXX. 

This process has been incredibly frustrating and, we we're told buy mr. Cooper before hiring XXXX, that no modification could be done - due to the fact that the loan was beyond the legal guidelines to modify. I'm referencing the 150 % loan-to-value modification that was done by Seterus. 

It's clear that mr. Cooper acquired this loan, knowing full well of what their intentions would be, with a very nefarious intent - either Force us to come to the table with cash ( which they've done. Demanding {$38000.00} ) or, take our home by way of sale, cash in the insurance on the loan and then sell our property for pure profit. 

Mr. Cooper has been accused and convicted of this type of activity thousands of times. We need your assistance to call them to the table and demand that they resolve this issue. 

Thank you in advance for your help with this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a repsonse. I did my research and I am for sure that they have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On two previous dates I have disputed the verbiage of a checking account closing at XXXX XXXX XXXX XXXX. My account was closed in the Summer of 2017 and stated as fraudulent transactions, yet I have maintained that I am the true victim twice over with lost of product/service and lost of funds/fees. Despite explaining this to banking and consumer reporting officials the statementof fraud remains. I have since reported in full and began a formal criminal investigation into the individual who defrauded me and caused a personal financial stalemate in my life. With the new official information I am hoping that the parties involve will lift the current restrictions and verbiage as I am not indebted to the aforementioned or any institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Riverwalk 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: Information belongs to someone else

Complaint:
XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, XXXX XXXX, XXXX am Jur XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My complaint is with Equifax. Equifax allowed my financial data to be unlawfully disclosed when they sustained a massive breach, or hack, a couple of years ago. Equifax confirmed my personally identifiable information was made public as a result of this breach and enrolled me in it's Trusted ID credit protection service. In late XXXX I was told I was being assigned to XXXX 's IDNotify credit protection service for a period of one year unless I chose not enroll, in which  event I would have no further credit protection services from Equifax. I was forced to enroll with XXXX prior to XXXX XXXX, XXXX, which I did. However, now that I've enrolled with XXXX, Equifax apparently closed my access to it's reporting system and refuses to reestablish access so I can verify information they are reporting to others currently including my Credit Union. I've gone to considerable lengths and expense to protect my information by obtaining new credit cards and numbers and new banking arrangements, to include new accounts, login credentials, automated payment arrangements etc. I have a very high credit score which has recently been lowered significantly by Equifax as reported to me by my credit union. When I paid off a recent loan early my score went down again. I need access to my Equifax account to monitor actions that make no sense. I'm concerned they are still reporting an outstanding loan that has been repaid in full. They've already acted negligently and were not timely with their disclosure of the breach when it occurred more than 2 years ago. I'm forced to keep my credit files constantly frozen, through no fault of my own. And now they refuse to allow me access? This is not right. I'm doing their job for them. I'm a retired veteran, and deserve better. I need immediate access to my Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: PLS GROUP, INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have taken a loan out with PLS located on XXXX XXXX in XXXX   XXXX XXXX Corporate office in XXXX, IL My Loan payments are XXXX bi-weekly I can no longer afford my mortgage. 

I want the to acknowledge my revocation of the wage assignment i signed with them I have another loan out with XXXX Both loans are taking me over the 22.5 % of my gross income

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 2021-12-03
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation