BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-27
Company: Experian Information Solutions Inc.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2021-04-14
Company: National Credit Adjusters, LLC
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:
I have been getting calls from the National Credit adjuster almost every day when my account was under collection. I paid off my collection back in XXXX of 2018 and was promised that my account will be updated on my credit report. However, they never closed the account and the account is still listed and open in the collection account. I have called so many time to try and have this problem resolved but was always transferred to the credit report team which are the team that is supposed to resolve the issue. Sadly, that team never answer the phone and always ask to leave a voicemail. I left so many voicemails but never got a callback. 
This an unfair and unethical business practice. I was being harassed with calls when I owed, and after I paid off, you did not do your part of closing and reporting the account properly. I kindly have been reaching out since 2018 to get this updated and never able to get a hold of someone in the credit report department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. <P/>The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.

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 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, Transunion, XXXX ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX / XXXX / {$48000.00} XXXX XXXX XXXX  / XXXX / {$0.00} XXXX XXXX Code XXXX - Correction of billing errors ( XXXX  ) BILLING ERROR For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2019-08-01
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Recently Mr.Cooper.com has unilateraly increased monthly mortgage ( $ XXXX/Mo ) to $ XXXX/Mo, without cause. They have also instituted a monthly " penalty fee ''. My Modified loan is at 3 %, 30 year mortgage, that was serviced by XXXX XXXX. When Mr.Cooper.com took over this mortgage, and became also a " collection agent '' for XXXX, they decided to increase the monthly mortgage payment to an amount beyond our ability pay, given in my family of 3, over the past 3 years, we have faced 2 life threatening medical issue of XXXX ( wife ) and XXXX XXXX ( XXXX ) financial hardship as well as increased anxiety due to systematic harrasment by XXXX, their attorneys and now " Agents '' Mr.Cooper.com and XXXX. 

Mr.Cooper 's website for " contact us '' refused to take my written request. Previously their phone assistant was unable to address this issue by phone, after a very time consuming phone call process they have in existence

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called XXXX, XXXX on XXXX/XXXX/XXXX, on or about XXXX XXXX, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XXXX XXXX, XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XXXX-XXXX-XXXX-XXXX-XXXX-XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the Loan modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XXXX XXXX, XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about 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 2022-02-14
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Disputed information several times explaining I am a victim of identity theft and asked to remove files from consumer report. I am asking to validate debt by providing me with signed original document by me the original consumer and creditor.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Management Core Solutions, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX has threatened a lawsuit for an alleged debt passed the statute of limitations, for the second time. The first time was a garnishment of an account I did not have. Now they want payment withing 14 days or they will file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received notice from XXXX that they obtained a debt they claimed was mine. I disputed it and they then had me contacted by Waltman Weinberg and Reis LPA. They sent me copies of card/installment of some kind statements they said were mine and proof that it is my debt. They did NOT give me anything with my signature, a contract or anything else showing it actually is accurate or is mine. They also told me on the phone that unless I paid they would XXXX. They did file - I went to the hearing and the rep there said to me ( not in front of the judge ) that they had the statement bills and I needed to agree to payments- if I didnt they would not drop the case and would take me to. Common pleas court if needed. I did not know any better. Then I was injured and lost work from the pandemic. I keep getting communication about paying- it says I can ask for a hardship from Waltman Weinberg and REis- I hav called and done online forms and they do not answer me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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: Public record information inaccurate

Complaint:
I was reviewing my credit information with all  XXXX  services and noted that   XXXX  , Equifax and   XXXX    are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county  (  XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation w ebsite and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX    I called  XXXX , Equifax and  XXXX  to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  Kings county  recorder of deeds.  XXXX ,  XXXX  and Equifax contended the information was accurate. I additionally, informed   XXXX   that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I was reviewing my credit information with all  XXXX  services and noted that  XXXX ,   XXXX   and TransUnion are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county (   XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation  website and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX I called   XXXX  ,   XXXX   and Transunion to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  XXXX   XXXX  recorder of deeds. Transunion,   XXXX   and  XXXX  contended the information was accurate. I additionally, informed TransUnion that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED. I ALWAYS PAID ON TIME AND IM RESPONSIBLE FOR ALL MY PAYMENTS

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 2017-12-30
Company: EQUIFAX, INC.
State: PR
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:
After Hurricane Maria passed through XXXX XXXX, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-04
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:
Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit

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 2022-02-14
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a giftcard ( XXXX ) before I could open it ( XX/XX/XXXX I opened it ) the funds were used by someone in a different state. After 4 hours I finally got someone that filed a dispute for me on card ID # XXXX which they concluded was an error and stated they were refunding me the missing amount on {$99.00} ( {$1.00} was left on the card ). Dispute claim # XXXX. The card was canceled when I originally filed the dispute. It was not refunded back to that card, I haven't received a new card and I spent 3 hours on with customer service whom said they couldn't help me because they couldn't verify the original card #, the dispute claim number or the card id #. They have {$100.00} of my money that they need to make available 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 monetary relief