BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On   XXXX   XXXX   I submitted a dispute to all three CRAs. I have received the results from   XXXX   and  XXXX , but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  Barclays Bank of D elawar e in Court. E ach report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed d ate. Dispite  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt . Barclays Bank  has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report.

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 2017-04-20
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were customers of  Greentree Lending.  In   XXXX  , our account was blocked when a payment was late. We called to try to pay it, and they forced us to fill out paperwork for a special mortgage rehabilitation program in which our mortgage could be brought up to date ( remember, this is ONE late payment ). Meanwhile, we continued to pay our mortgage each month, as they repeatedly " lost '' paperwork or had sent it to the " wrong department. '' The whole time, we were concerned about foreclosure, as even though we continued to pay, we now had  one  month of payment missing. They repeatedly assured us that they would not foreclose and that our paperwork was required, and it was just a formality. Meanwhile, unbeknownst to us, they proceeded with the foreclosure without notifying us. One day, we found a crumpled up piece of paper on our front porch saying that our house had been sold at auction the day before. We lost our home, and had done nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, I noticed a mark on my credit reports that I had no knowledge of. Thus, I disputed the debt with all of the credit reporting agencies, and except for XXXX, the results came back as " verified and accurate '' from the credit agencies. As a result, I wrote a letter to Bull City Financial Solutions on XXXX/XXXX/XXXX asking them to provide me with the documents used to verify this debt. BCFS received my letter on XXXX/XXXX/XXXX. Admittedly, I know that they have at least 30 days to respond to my letter, however, I also know that this is not my debt. Thus, BCFS is violating the FDCPA. This company is reporting a debt on my credit profiles that is not mine nor do they have any contractually binding documentation that states otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: VA
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:
Equifax is allowing XXXX to report inaccurate information on my credit report. XXXX is reporting that I have open accounts with them with outstanding balances. These accounts have been discharged through Bankruptcy in XXXX 2013. I 've reported this to XXXX, XXXX and Equifax. Equifax is choosing to ignore me and allow XXXX to report inaccurate information. I 've sent my discharge paperwork to ALL three Credit Agencies and XXXX but only XXXX  and XXXX are responding. This problem has been going on for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: PA
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 dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TN
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, XXXX XXXX, account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

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 2017-04-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a complaint to your agency over 3 years ago about the wrongful foreclosure of my father 's property in  XXXX    XXXX   by Ocwen mortgage, failed to hear anything from your agency. This was our family home for over 50 years. My father was in my care as he had developed an illness that prevented him from caring for himself. He lost this home in a foreclosure that was unjust. Payments that were not credited, no information when the loan was sold to Ocwen. Please let me hear something in this matter. We provided you loan numbers and lenders, dates etc. in the original complaint. His name is  XXXX   XXXX   XXXX , the property location was  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . This was traumatic for my Dad and then not to hear anything on the complaint for over 3 years is very troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Mitsubishi Motors North America, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had this car for a year-and-a-half ago I purchased th is in  XX/XX/XXXX  or  XXXX  2015. Night even a year in  XX/XX/XXXX  my brakes was bad. I took it to a private mechanic. And he said every y ear I have to change the brakes. Instead of going to the dealership because it 's not under warranty. And I do n't have that kind of money to go to the dealership I still coated me {$500.00}. So this year I have to replace my brakes is even close to  two years I do n't understand why do I have to replace the brakes is not my fault only drive  in  XXXX  that 's the only place tha t I drive bu t I have to keep replacing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
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:
PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX  XXXX XXXX  ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO 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 2017-06-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a wells fargo credit card and the contract has a false advertisement or confuse about a insurance cellphone

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : states that i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-04-21
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
1.   XXXX   ( most likely ) or Mohela is inaccuratly reporting a {$48.00} million dollar balance for one of my   XXXX   student loans.
2. The current loan servicer, Mohela, is not reporting the full loan history relating to each student loan as it should for a monthly credit rating - this should be accurately reflected on all of my credit reports. This failure causes the appearance of a much shorter period of responsible student loan history. ALL monthly loan rating history relating to my student loans should be reported to the Credit Bureaus - this has a significant impact on credit scoring.
3. I have  XXXX  open student loans and Mohela ( or the credit Bureaus ) are reporting loan #  XXXX  and #  XXXX  as a single loan on the credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit report shows that I have a collection fr om Credit Management rep resenting  XXXX   XXXX   XXXX . Account opened  XXXX   XXXX  balance {$180.00} I have not had a cable service since  XXXX  .I m oved to California in  XXXX   XXXX . I just ordered cable service last month for the first time since  XXXX . Not  XXXX   XXXX   XXXX . My cable account was closed and paid in full over and cable box was turned  in seven yea rs ago with  XXXX   XXXX   XXXX . The unit I lived in was vacant for over 2 years so I do not know who would have used  XXXX   XXXX   XXXX . This is a fraudulent account and it should not be on my credit report. The collection agency shows the account was opened  XXXX   XXXX . I cant have a debt from  XXXX   XXXX   XXXX   XXXX  on report that is o ver seven   years old . And the collection is trying to make a new collection on something that should have never been a collection to begin with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Portfolio Recovery has called me numerous times. Their associates have regularly been threatening, abusive, and repeatedly ignored my requests to stop calling me. I tried to negotiate down the debt and they repeatedly told me no. Also they call before XXXX and after XXXX any given day of the week. I recently got a call last Sunday at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I requested a copy of the credit report from XXXX. I received the copy, Report XXXX. XXXX. 

The credit report has the following HUGE error - The social security number is not mine. 
The following additional errors as also present - 1 ) One of the names is not mine. Most of the names are variations of my name, and are accurate. and 2 ) The name of my curent employer is missing, and one of the past employers is wrong. 

I attempted to reach Experian at the telephone number they provided and also to create a report on their website. I was unable to get connected. Made serveral attempts. The Experian telephone number hung up on me three times, and I never got to a real person. 

Out of fear that the incorrect SSN could be evidence of or lead to identify theft, I called CFPB to help get Experian 's 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 2022-08-15
Company: EQUIFAX, INC.
State: AR
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im not understanding how i endorsed my social into a consumer credit transaction and they denied me. i was able to get auto insurance but no insurance. i do not understand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Received a phone call claiming to be GM Financial alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from GM Financial. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped XXXX points? I talked with GM Financial today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened the American Express XXXX credit card in XX/2017. According to the time limited offer, the American Express should provide XXXX XXXX points after I spend XXXX in first 3 months and additional XXXX XXXX points after I spend extra XXXX points in first 6 months. After I spend 6000+ dollars in first 6 months, they only provided XXXX XXXX points and said that I only get the XXXX offer. Since they advertised the XXXX offer on their web page, email as well as the credit card application page, and they did n't have any special requirements for this offer, they should provide everyone who applied for the credit card before the deadline. They should never say that people got different offers. If they did n't mention that people may not get the XXXX offer in their application process, they made the fraud advertisement. I urge the American Express to provide XXXX XXXX  points to everyone who applied for that credit card before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: PA
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 dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE

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