BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The specific problem is that via Trans Union &   XXXX   XXXX   XXXX    3.0 scoring methodology, I saw my credit score drop from  XXXX  to   XXXX    in a very short period of 2 weeks, and when I called and spoke to a Trans Union rep, she explained the scores are tabulated via a computer program & nothing else could be done to address this. The problem I have is that this score drop (   XXXX   XXXX   XXXX   score  XXXX  ;   XXXX   XXXX   XXXX    XXXX  ;   XXXX   XXXX   XXXX   score  XXXX  ) is enormous and impacts my score dramatically because I do 'not ' have enough credit usage, but I am a very responsible individual and consumer and do n't need additional credit, yet my credit gets crushed so fast and very much to the downside because I do n't have enough credit cards? This type of new score for me not potentially ruins my ability to get a good home loan if I look into purchasing and financing a home, which is a big concern for me. Please either explain why the reporting agencies can drop the score of an excellent credit & paying consumer 'only ' because they did not have enough credit usage or help me ( and others like myself ) address this problem of scoring/reporting the credit agencies currently have so we are not so severely punished for having too little credit. This is truly disappointing for me. Sincerely,   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 2017-06-06
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On   XXXX   XXXX   XXXX     I have the documentation from the title company stating the release of mortgage and the payoff amount of {$32000.00} to  Ocwen loan servicin g the title company was   XXXX   XXXX   XXXX    XXXX  New Hampshire since then every month  Ocwen loan s ervicing has reported a delinquent or non payment to my credit report even though they have been paid off in full and the house has been sold for a year in addition for a month afterwards they attempted to take money out of my bank account even though they had been paid in full and the house was sold

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 2021-11-13
Company: SLM CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with SALLIE MAE BANK INC XXXX Balance {$23000.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: PA
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 XXXX No. 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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX No. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: Bread Financial Holdings, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with COMENITYBANK/VICTORIA XXXX Balance {$920.00}. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The XXXX and Equifax Bureaus Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$140.00} ; 2. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$120.00} ; 3. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$810.00} ; 4. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$1100.00} ; 5. ORIGINAL CREDITOR XXXX Opened XX/XX/XXXX Balance {$75.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On   XXXX   XXXX   XXXX  , I received a letter from TransWorld Systems on behalf of   XXXX   XXXX   in   XXXX   XXXX  , Arizona seeking payment of {$7400.00}. Given I knew I owed   XXXX   XXXX  l {$74.00}, this was surprising.
<P/>
I called   XXXX   XXXX   and they confirmed my balance was only {$74.00}. I paid that {$74.00} owed to   XXXX   XXXX   and they confirmed the extremely excessive amount TransWorld Systems was an error. At that time,   XXXX   XXXX   said the account was n't in collection, but they only contracted TransWorld Systems to conduct a, " letter notice. '' They explained that TransWorld Systems would only be sending reminder letters to me about the debt. There would be no phone calls. There would be no report to Credit Bureaus. I was also told by   XXXX   XXXX   that they would notify TransWorld Systems that my balance was  XXXX .
<P/>
On  XX/XX/XXXX  at   XXXX   XXXX  ., MDT, I received a call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again.
<P/>
On XX/XX/XXXX , at   XXXX   XXXX  ., MDT, I received a second call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again. I pointed out that repeated calls about this, especially twice in a day, and especially twice in a little over an hour was harassment. I also told the caller than any further communications regarding this matter must be only in writing. My response to the harassment by TransWorld Systems and   XXXX   XXXX   was to file this complaint for : Attempts to collect a debt which was already paid, Repeated phone calls about the debt which was already paid, The refusal or failure of   XXXX   XXXX   to notify TransWorld Systems that the debt was paid, and, The misrepresentation by   XXXX   XXXX   that the involvement of TransWorld Systems was, " only a letter account, '' when clearly it was not.
<P/>
Attached please find the record of this payment provided by   XXXX   XXXX  . It is reported to be directly from   XXXX   XXXX   XXXX   ledger regarding my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CITIBANK, N.A.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MACYS/DSNB XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: ProCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On several occasions within contacting the company to arrange payment for my debt, they were intimidating and refused to allow me to make arrangements to pay off my debt. 

In my most recent contact on XX/XX/2019 to make attempts to pay the debt, the rep told me that I had to pay what was owed now, denying my rights as a consumer without offering options to assist. 

Several times they used scare tactics in order to get me to pay the debt in full, using if and then statements. 

I also wrote a formal complaint to the company about their practices where I shared my concerns of their behaviors and refusal to let me make arrangements to help me pay off the debt. This communication was not responded to. 

At this juncture, they are also not allowing me to pay reasonably. This is prohibiting me from my rights as a consumer and I am not protected.

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 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid 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 signed up for a covid test at an XXXX airport for XX/XX/2021 when i planned to visit XXXX. There was no mention of a cancellation policy anywhere during booking. However, travel laws changed and I cancelled the test on XX/XX/XXXX. The company refused to refund the money, despite not using the services and cancelling almost 2 weeks prior. I disputed the charge as I never received the services and cancelled. Bank of America refused to do anything saying it was not fraud. At no point was there any mention of a cancellation policy and the bank needs to protect its customers from duplicitous companies.

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 2021-11-13
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX I was informed by email that my bank had excessive ATM withdrawal and Check deposits. They needed to call me and talk. ( ( Mind you all this happened in a time frame that I was sleeping and not realizing what was going on. ) ) When I called I was asked about it all and of course I was shocked.
<P/>
Not only had someone gotten into my bank account, but they had also deposited a check and taken part of that.
I get the scams. I 've read up on them now, and I can see why USAA would accuse me.
But after years of being with them and never having this happen ... Its crazy.
I am living in XXXX and the situation happened in XXXX. It physically, within the time I was seen here and when it happened, could not happen.
I was in church Sunday from XXXX XXXX XXXX, and saw my XXXX XXXX at XXXX on Monday, and I was at work by XXXX XXXX Tuesday morning. By XXXX XXXX that Tuesday I was headed to the VA office.
<P/>
I most certainly can get written statements from everyone if they want that.
<P/>
I did n't do this. I would never drain my account and scam myself. I do n't even have anything to do with XXXX XXXX. I 'm not that XXXX, nor did I need money.
I have great credit and not only take that seriously but I have always had a clean account and good standing with USAA.
<P/>
At first they flat out asked me if I deposited a check for that amount.
I was so frustrated and humiliated by it I actually took offence to it.
They said Id be responsible for the Fraud check balance. ok ....?
I NEVER ERCIEVED A CHECK!! I never even had a check in my hands. Someone else did all this and I 'm getting blamed. Its one of those freak incidents and yeah I 'm just as baffled by it.
Again they did n't and do n't believe me or get it.
<P/>
Today is XXXX XXXX XXXX and I got an email, ( no call or anything personal to let you now they actually tried ), and I was being held responsible for every penny. XXXX dollars.
So everything they had credited to my account considering what happened, they say they 're taking back. Not only the scammed check, but every penny that was mine.
Everything to my name.
Someone scammed me, and the bank is telling me I did it. I 'm left penniless and I 'm scared.
So if it happens again, I 'll get blamed. Again.
Do you think I want to keep banking with them after this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXXE XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$4600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX. I am submitting this complaint myself and there is no third party involved. I do not agree with the companys response. I, the consumer, natural person, and original creditor, have a credit card, pursuant to 15 U.S. Code 1602 ( l ) and 12 CFR 1026.2 ( a ) ( 15 ) ( i ), that was used without my consent. If I received goods or services, have a senior executive certify under the penalty of perjury I in fact received goods or services as a result of these transactions in regards to FCRA 605B, 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ). Otherwise, I want these accounts deleted. I never told EQUIFAX or anyone to furnish anything on my consumer report. That is a violation according to 15 U.S. Code 1681b ( a ) ( 2 ), FCRA 604 ( a ) ( 2 ) permissible purposes of consumer reports. Furthermore, I am demanding compensation for the damages caused by the other accounts and inquiries. A deletion is admission. EQUIFAX is civilly liable for willful noncompliance according to 15 U.S. Code 1681n ( b ), FCRA 616. I am attaching documentary evidence and an invoice. EQUIFAX have 30 days to mail my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: CREDIT WORLD SERVICES, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Contacted Credit World Services to verify validity of a balance on College class balance not paid by student loans or financial aid.The representative there did no assist me in any way. She basically stated that this will remain on your credit no mattet what you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I stated that numerous inquires and accounts that were on the report were not mine and I had no knowledge of these accounts and inquires, I was told that there was nothing that could be done and I would have to wait two years for the inquires to be taken off, or to call one by one and have them removed, I stated that i cant have an account removed when i did n't have one to begin with was told that there was still nothing to be done.

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