BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello the accounts below are negatively reporting on my credit report without my knowledge or consent. I have reached out to the credit bureaus and companies. I'am seeking these accounts be removed from my Transunion account XXXX 

Hard Inquiries- Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-01
Company: EQUIFAX, INC.
State: AR
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 submitting this CFPB Complaint to dispute the presence of certain items on my credit report, that are fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I placed an order with XXXX XXXX  ( Comenity Bank ) around XX/XX/23 totaling {$100.00}. I was given a credit card with a {$500.00} limit. I received my first bill in late XXXX indicating that {$30.00} was due by XX/XX/23. I set up payment from my checking account and sent my first payment of {$30.00} on XX/XX/23. In late XXXX, I received my second bill showing a balance due of $ {$130.00} indicating no payment had been received. I called number listed on my bill but kept getting recordings, I requested my account be closed on this automated system. I tried calling the order number and asking for someone in billing. I talked with someone who stated the payment was probably late since it takes XXXX days to get to them. I informed him that even if it took that long it should not have been late. I was put on hold and told that the payment had been received and they had removed the {$30.00} late fee and I owed {$76.00}. I was also told that I needed to add Comenity Bank to the name on my XXXX deposit so that the payment would be credited correctly, which I did. I was shocked when I received my bill due XX/XX/23, where I was charged a late fee of {$37.00} it showed my first payment had been received on XX/XX/23. When I called I was told that there was no way to guarantee a payment to be on time unless paid through there system. I made the {$37.00} but filed a dispute on my balance. They say after reviewing their records they located my payment pm XX/XX/23 and that I owe the late fee. They claim I now owe {$50.00}. What i really owe is {$7.00} plus interest. As of XX/XX/23 they say there is nothing they can do. I am refusing to pay the Late fees because I know all payments were on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

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 2016-01-11
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This issue has dragged out over the last 8 months. I have been trying to apply for a Home Loan modification from NationStar Mortgage. I have come under several financial set backs in the 2015 year and wanted to request that I get assistance with my loan. I have applied for several Home Loan Modifications and Appeals with NationStar Mortgage Company, but all were denied. I have had poor customer service from NationStar, and I have requested several times to have a different Loan Specialist assigned to me for the one that was appointed to me would never answer her phone or return my emails. She would call me back at minimum a week later and at that time would explain that I still need to upload more documents for my modification. It was not clear on what documents that I needed and I was referred to the website that would tell me what I need. I have tried contacting her manager in regards to this matter to request someone that would better assist me with my process, but each time I am redirected to her. I have given all the pertinent documents that they have requested online. I received a letter from NationStar stating that I make enough money and was denied any kind of modification assistance. At this time, I have yet to speak with anyone that can offer me any real help and I am not able to speak with anyone that is actually performing the hardship loan. I have tried calling my Loan Specialist every time and she insists that I still have documents that need uploaded. After I upload the documents, I am told to wait and call back a week later to see what they have decided. The loan documents are expiring because I am waiting on NationStar to give me an answer. When I call, I am directed to the customer service center, which has no record of the modification assistance and I am needing to explain again as to why I am calling and why I am requesting assistance with my home loan. I get calls at least 2 to 3 times a week asking when I am going to bring my loan current when all the while I am waiting to hear something from their company. Their one offer to help was for me to pay an amount a month that I am unable to make and there was no other alternative extended. I want the harassment to stop and I would like to move forward with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I contacted XXXX  XXXX to see if I had a debt it was ruled as fraud due to id theft. I've asked portfolio recover to verify the debt, they only send bills. Nothing with my actual information just that someone used the bank acct/ credit card. I've disputed this 31 times every time I only get a bill to verify the debt. That just shows someone used the card but not that I opened the account. Portfolio recovery has used XXXX to contact myself, family members and inlaws. Stating if I don't pay the debt it can have an effect on my parents status in the USA ( both are citizens with XXXX names ) they pretended to be a law office, they pretended to be attorney 's. The lengths they go to collect debts is crazy even if they are fraud. No wonder they hace mass lawsuits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by this company claiming I owe a debt from XXXX, something that is not on my credit and hasnt been since at least XXXX which was as far back as my records went. I told them they needed to send me proof or some sort of verification of this debt to my via the mail and not to contact me again by phone. They have continued to use spoof calling to me and my family members leaving messages with no information, calling me a person of interest whatever that means, and every time I block one number they spoof a new one. They will call back to back to back when I decline the call. All the fake numbers they use lead back to portfolio recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX have accounts and inquiries on my credit reports.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$520.00} Closed XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention

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 2023-12-06
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no idea who this company is they repeatedly call me at all hours saying I owe a debt. Yet I have never heard of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: McCarthy, Burgess & Wolff, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a contract or written agreement with this company,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX  ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information. 

I hereby request the immediate removal of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 USC 1681. I informed XXXX, TransUnion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ) ( XXXX ). However they stated everything was complete and accurate. That is impossible if the open date, balance, date of last activity and a few more items are incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isnt reporting 100 % accurately or repotting incorrect.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604A.2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.

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 2023-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent my account to collection on XX/XX/23. This is for a bill that was paid due to my credit card expiring. The payment was made. But they still sent the account to collection. I reached out on several occasions to have the collection removed from my credit report. They have refused to remove 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 2023-12-07
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX amount of {$430.00} mortgage company Newrez located in Texas. I contacted them several times they said they have sent a check and a copy of the delinquent tax bill, i told them it had to be paid by XX/XX/XXXX and have spoke to the treasures off in XXXX XXXX XXXX  everyday they still haven't received as of today XXXX and will put a lien on my house if it isn't paid by tomorrow XX/XX/XXXX. They sent it through the usps.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a complaint against all 3 of the reporting agencies last month XX/XX/2023, in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( experian, XXXX XXXX XXXX ) have reported information on me without pemissible purpose 15 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER XXXX Thank You 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 2023-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Was notified by phone from a debt collection company called Portfolio Recovery Associates , LLC about a debt that I've never heard of or received a bill for. Nor, have I ever had an opportunity to dispute the debt, or, seek or ask for proof of the debt. 
I have now been served papers to appear in court. 

The State Attorney General 's office explained that in order for them to sue me in court, from out of state, they must have a Surrity bond on file. 

The company is based in XXXX Virginia, XXXX XXXX XXXX XXXX Ph : XXXX Web : XXXX Email addresses : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Grain Technology, Inc.
State: NY
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, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a customer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment o a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation