BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
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 is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-22
Company: CAINE & WEINER COMPANY, INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I discovered that Caine & Weiner were reporting that I owe an amount of {$310.00} and it is greatly affecting my credit report. I sent correspondence out on the same day to address the matter. I requested that they send validation of the alleged debt in a timely manner and they did not send anything that would validate that I owe them that amount. I have no contract with this company and they're reporting fraudulent information that is damaging to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I called my lender, Mr. Cooper, to find out when I could expect the overage in my Escrow. I calculated my return would be approximately {$300.00}. The employee I spoke with told me all loans would be verified at the end of the month and that is when disbursements would be mailed. When I received the analysis result : Shortage, it showed a shortage of {$.00}. This was interesting since my home insurance was {$830.00}. for the year through XXXX. However, on my last mortgage statement, it showed my mortgage insurance to be {$1200.00}. and an annual change of {$85.00}. for a total of {$1300.00}. Instead of the true figure of {$830.00}. It would seem that Mr. Cooper has been forging documents to meet the company 's needs, not the mortgagees '. This also happened in XXXX when my hazard insurance was {$1000.00}. which was paid. However, that year on my year end statement, it showed my hazard insurance to be {$1000.00} and an annual change of {$90.00}, totaling {$1200.00}. There total should have been $ XXXX.It seems Mr. Cooper has been forging documents for sometime to increase his wealth. Unfortunately, the employees are also guilty of these unethical and seriously unlawful practices. This is happening to all of Mr. Cooper 's mortgagees, not just me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX I settled my TJX Rewards MasterCard Account with XXXX XXXX, XXXX. 

The Balance at the time was {$6400.00} and we settled at {$2500.00} over XXXX monthly payments of {$100.00}. We sent payments monthly for XXXX, XXXX, XXXX and XXXX of XXXX  and then in XX/XX/2022 we received noticed that XXXX XXXX  could no longer honor the settlement because they no longer had it in their office. 

This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of no where it's no longer in place? That is incredibly unfair! 

I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " re-call '' the account.

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 2021-02-03
Company: Bonneville Billing and Collections
State: UT
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:
Bonneville Collections is reporting a collection on my credit file that is inaccurate and must be removed. I recently checked my credit and noticed this debt reporting. I tried calling and nobody could give me any information about this debt. Well apparently it is medical debt. I never signed or gave Bonneville Collections a HIPPA patient release form allowing them to report on this medical debt. That is a HIPPA violation and this is unlawful. This collection must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. It is unacceptable that your bureau has reported these accounts without providing sufficient information to substantiate your authority. As a consumer, I have the right to accurate and verifiable information on my credit report, and the lack of such details raises serious concerns about the legitimacy of these accounts. I request that you immediately remove these accounts from my credit report if you are unable to provide comprehensive information supporting your bureau 's authority to include them. I also expect the results of your investigation within the mandated time frame. I demand a thorough investigation into the legitimacy of the following accounts : XXXX  XXXX XXXX, Bankruptcy chapter XXXX Reference XXXX, and XXXX XXXXXXXX XXXX Please remove these fraudulent items on my credit file ASAP.

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 2023-04-17
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: Personal information incorrect

Complaint:
XXXX is reporting a XXXX XXXX XXXX my report I ask to move they said no after I told them that is not my physical address it needs to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX not my address XXXX XXXX XXXX XXXX on Equifax also not my address remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I disputed an automobile ( lease car ) XXXX installment account in my Experian online account that was settled and paid by insurance back in XXXX XXXXXXXX ( someone hit my car and the insurance concluded total lost on that vehicle ), and the insurance of the driver ( who hit my car ) agreed to cover the loss. However, on XX/XX/XXXX, Experian sent me a message saying they have a result on my dispute and they will update it on XX/XX/XXXX. And then on the very second day ( XX/XX/XXXX ) Experian immediately decreased my credit scores by XXXX points without any reason ( my scores had always been around XXXX for all these years! ) and since then I saw a late payment error in my Experian online account ( not in my credit report )! The XXXX account that I disputed was paid and closed as agreed, it was NEVER LATE. So I tried to call the Experian ( and XXXX ) many times over the last 3 years but the representative were always telling me that credit score is the underwriter 's job and they can not do anything about it because they are just the representative. I checked on my Experian online account it says I have a serious delinquency ( late payment for over XXXX days ) which is NOT TRUE because I have NEVER had any late payment! I checked my credit reports ( from all 3 credit bureaus there was NO LATE PAYMENT ). This happened to XXXX too because I checked when I logged in into the XXXX online account I saw a late payment error ( over XXXX days late ) that was not supposed to be existed. Same thing XXXX credit report showed no late payment, only in their online account it said late payment. I couldn't dispute the mistake both Experian and XXXX make on my online account. I tried to dispute the problem but because it was not in my credit reports but it was in my online account, they didn't do anything to fix the problem when every time I called in ( to both Experian and XXXX ). And because of this, my credit scores went down significantly for the last 3 years and I still can not find anybody from Experian or XXXX to help me look into that. Please help me I am feeling helpless. This error existed for more than 3 years but BOTH Experian and XXXX refused to check on their mistakes. They should not decrease my credit scores without properly checking on my account. My credit scores were ALWAYS between XXXX and I have never once forgot to pay my bill! Please let me know if I need to submit my 3 credit bureaus ' credit reports to support my evidence!

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 2023-03-14
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-02-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 an unauthorize XXXX transfer to an unknown person of {$500.00} from my checking account. I immediately went to the Chase bank and asked to stop the transaction. Unfortunately they weren't able to, and they freezed my account at the moment. The banker told me it will be refunded to me after they done investigation. However, when I called the customer service, they told me that there were no fraudulent activities shown on my account, and they refused to provide me further information. This is not fair for a value customer of the bank. They should refund me the unauthorized transaction of {$500.00} as this is fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: Account information incorrect

Complaint:
Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report o Attached is Transunion credit report reflecting XXXX  XXXX account ending in XXXX o Another Report reflect account number as XXXX. A o Attached XXXX  credit report reflecting the account ending in XXXX These are the same account, same amounts, different account numbers, and should be removed immediately. 

Transunion credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX  XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also

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 2023-03-14
Company: EQUIFAX, INC.
State: WY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: DISCOVER BANK
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2021 XXXX was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. XXXX sent consumer a letter XX/XX/2021 requesting that the reporting company DISCOVER BANK and XXXX XXXX  verify the accuracy of the information being disputed. XXXX XXXX requests and demands from DISCOVER BANK & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and DISCOVER BANK. XXXX XXXX also demands DISCOVER BANK & XXXX SERVICES to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation DISCOVER BANK & XXXX SERVICES is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that DISCOVER BANK & XXXX SERVICES provide a statement admitting whether they are the holder in due course or whether DISCOVER BANK is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. XXXX provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with DISCOVER BANK & XXXX SERVICES. Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 DISCOVER BANK & XXXX SERVICES sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), DISCOVER BANK & XXXX SERVICES is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information XXXX used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the items, as originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Barclays issued Priceline credit card to made a reservation for a one week stay at a XXXX XXXX XXXX in XXXX, SC. from XX/XX/2022 to XX/XX/2022. 

We arrived at the hotel but the night clerk wouldn't even let me speak to her to show her I had a reservation she just pointed to the NO VACANCIES sign hanging above the office window. So we left and found vacancy at another hotel and stayed there for that week. 
I tried to notified Priceline about what happened but they apparently didn't get my message. Barclays wrongly alleges I owe them {$400.00} for the week of XX/XX/2022 to XX/XX/2022, I don't owe them nothing because I never stayed at XXXX XXXX XXXX, I had spoken to several customer service representatives, account managers but I was getting no where, so after I lodged my first complaint with CFPB an executive assistant to the president at Barclays responded to my complaint letting me know they were looking into my complaint, so I emailed her an invoice sent to me by XXXX XXXX XXXX showing they charged my card for one night, a cancellation fee of {$54.00} as proof that the {$400.00} plus late fees and interests the are trying to make me pay are bogus charges. This person told me she had forwarded the XXXX XXXX XXXX invoice to the financial office at Barclays but as today nothing has been done to right this wrong.

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 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am saddened to report that XXXX, XXXX and Transunion are reporting fraudulent information on my credit reports. I did my very best to resolve this issue by submitting a FTC report to prove the accounts don't belong to me. However, they continue to blatantly disregard the affidavit. This act of inconsideration and disrespect is causing me extreme anguish and Im strongly considering seeking litigation. Please help me ASAP. Thank 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 2023-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: NC
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 is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: MN
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 accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX Balance Owed : {$27000.00} Date Opened : XX/XX/XXXX ) and XXXX XXXX XXXX Account XXXX XXXX Balance Owed : {$660.00} Date Opened : XX/XX/XXXX ) have violated my rights under 15USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section604A Section 2, it also states a consumer reporting agency can not furnish an accounts without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation