BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I submitted a loss mitigation package to Freedom Mortgage. I was informed on XX/XX/XXXX that the package was missing a copy of my taxes and paystubs for my husband. I called Freedom and explained that the taxes were filed and mailed to the IRS in XXXX and we my husband did not have paystubs because he is self-employed as an XXXX. I was then told to send in IRS form F4506 and my husband 's bank statements showing deposits from work that he'd done. We resubmitted the requested information on XX/XX/XXXX. I called a month later on XX/XX/XXXX, and was informed the loss mitigation case was closed because they needed my husband 's paystubs. I explained to the agent again that my husband is self employed and there is no way to get a paystub and there is absolutely no mention of paystubs for self employed people on their list of documents. My husband also called on that day and spoke with an agent who told them that the package should have never been closed and it was going to be reopened he was told to send over his bank statements and a signed F4506 by XX/XX/2022. We also received a letter with this same information. On XX/XX/2022 we resubmitted and completely new package since the old one was dated XX/XX/2022. I never received any communication from Freedom until I called on XX/XX/2022 to check the status and I was told that the package was with the underwriter for final approval and there was nothing else I needed to do. On XX/XX/XXXX, I received a letter from Freedom demanding the entire past due balance by XX/XX/XXXX. I call Freedom to find out when they sent an denial letter for the XX/XX/XXXX application and they said the " denial was issued in XXXX ' '' What about my XX/XX/XXXX application? So I was told to submit yet another package and we did on XX/XX/XXXX, with all of the requested information, including the tax return and the profit loss statement. I reached out to Freedom on XX/XX/2022 after receiving a letter from a XXXX attorney. I was informed that once again, my package was on hold until they received my husband 's paystubs. I reiterated again that he does not have paystubs because he is self employed and I was told again, that he needed to have them or they would not move forward. My frustration is there is nothing about paystubs in their list of required documents for self-employed. The requirements for self employed people state they only need the Schedule C and Profit Loss Statement.

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 2023-05-05
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$3000.00}. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-2 ( A ) 1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Collection account that is reporting on Transunion is : not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.

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 2023-05-19
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They have called me multiple times at work phone number after I told them multiple times to not call me at work. 
Today XX/XX/2023, approximately XXXXXXXX XXXX, I saw they were calling my work phone and I answered. I told them again not to call me at work and that I will call them back when I get off work and I hung up. XXXX immediately called me back on my work phone. I again told him Not to call me at work and I would call him back after work and I hung up. This company has disrupted my work productivity when they call me at work. This afternoon, XX/XX/2023 when they called I was sobbing at my desk over this phone call and embarrassed in front of my coworkers making them having to hear my personal business. 
One of my coworkers has witnessed the other harassing phone calls & me telling them not to call me at work. 
Thats harassment has made me not want to even deal with these people any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a letter from Nationwide Recovery Systems ( date on letter is XX/XX/XXXX ), that said I owed an amount of XXXX for a medical bill from XXXX XXXX  XXXX from XX/XX/XXXX. This is the first time I have received the bill. When I called Nationwide, the agent did not have any information about the debt. When I asked for a phone number for the hospital, they said they could not provide that information and the debt had been sold to them. The letter said that I had 30 days to dispute the debt or they would consider the debt valid. However, when I asked them to mark the debt in dispute, they told me it was placed on my credit report in XXXX. No phone calls or previous documentation had been received. When I checked my credit report my score had dropped XXXX points. This has caused me great distress, especially since I take pride in my score and always pay my bills on time. My score was over 800 and now has dropped to the 750s. Also, I tried to find the phone number for the hospital online and it looks like they are no longer in business. How am I supposed to resolve this? Also, it looks like they are showing the collection on my credit report with a date of XX/XX/XXXX. How can they provide this date on something that is 4 years old? This is unfair and deceptive business practices and I plead with you to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX is reporting inaccurate information for my XXXX account XX/XX/22 never been late

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 2023-05-09
Company: EQUIFAX, INC.
State: SC
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'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX, XXXXXXXX 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  Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX XXXX CO # XXXX XXXX Balance : {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CT
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:
The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX XXXX supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been 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
Consumer complaint received 2018-05-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have a checking account in JPMorgan Chase. On XX/XX/XXXX I sent a check to my landlord for {$1000.00} for that month 's rent. The check was cashed on XX/XX/XXXX. When I saw on my chase on- line account that my check was cashed as far as I knew my landlord had received the check. The transaction was authorized by a JPMorgan Chase Bank. Due to various differences of payment allocation between myself and my landlord, I was unaware of what really occurred in regard to this transaction until many months later.

What apparently happened was that JPMorgan Chase accepted the check for {$1000.00} even though it was not endorsed. For various reasons which are beyond the scope of this complaint, I only found out from my landlord onXX/XX/XXXX, that my landlord claimed to have never received the check that I sent on XX/XX/XXXX. I told my landlord that the check was cashed but when they asked for a copy of the front and back of the check we discovered that it was not endorsed. 
When I called JPMorgan Chase to see if they can help me find out which bank made the mistake of accepting an unendorsed check and to see if they can help me reclaim it they said they would investigate the matter. They reported back to me after the investigation that the check was either cashed or deposited in a JPMorgan Chase account. The bank representative told me that they know who cashed or deposited the check and that it was a Chase customer. However, since it was beyond the time frame of 6 Months as a bank they are not able to give the information and were also not able to reimburse the money to me.

When I spoke with another JPMorgan Chase representative about the fact that as a bank they are a responsible party for accepting a check that was unendorsed, he reported different information to me. Specifically, his response to me was that my claim was submitted exactly one day past the 365 days they have for such claims. The date for the filing of my claim according to JPMorgan Chase was XX/XX/XXXX. This is the date they use on the denial they sent me. However, they fail to give the reference number of my claim. According to my records I had a number for the claim prior to XX/XX/XXXX. 
Either way JPMorgan has accepted an unendorsed check. They also have the information of the thief. They are refusing to take responsibility for this very basic error on their part, and they are also effectively collaborating with another client of theirs which according to their own admission is a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2006 ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA 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 2015-09-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Name : XXXX XXXXBusiness : Mail Address:XXXX FL XXXX Phone : Other Phone : Email Address : XXXXXXXXINTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015XXXX XXXX FL , XXXX XXXXXXXXEmail : XXXXXXXXName/Firm/Company : Ocwen Loan ServicingSubject/Category : mortgage company wo n't return money for damages to houseStreet Address : XXXX FL XXXX XXXX XXXX : XXXXXXXXDate of Transaction : XXXX/XXXX/2015Amount Paid : XXXXXXXXQuestions/Comments : I had water damage in the home at the end of XXXX. XXXX XXXX, my insurancecompany sent me check which I had to send to Ocwen to sign. They returened onecheck and have kept the remaining checks. The mortgage is under my deceasedhusbands name and they refuse to talk to me or return the money. My husband wasa veteran and I receive spousal benefits. 
Before he passed he got a modification through IndyMac who in turn sold themortgage to Ocwen. He also filed bankruptcy and the house was outside of thebankruptcy. The bankruptcy will be final in XXXX. I am paying the mortgageand have been prior to his death. 
I am without a functional kitchen and XXXX bathrooms and powder room. 
I need Ocwen to release the money as soon as possible. They are withholding about {$80000.00} for the needed repairs. They told me to sign the checks and send it to them which was done. They refuse to talk to me even though my name is on the deed to the property. 
I have an attorney and they are not responding to her. 
I need immediate assistances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opened a capital one quicksilver card which I received in the mail today, XX/XX/2023, however, I was unable to activate it or access my online account portal. I called into customer care with whom I advised that the phone number on my account needs to be updated to verify my identity ; the phone number on file is no longer mine. I applied using my current phone number, capital one refused to update my the phone number on the account. I attempted to work with two representatives who refused to fulfil this mundane task. In addition, they also made threats against my life. I had no issue but to request the account to be closed and communication from this fraudulent business to cease and desist as this harassment is highly unprofessional and I will not be attacked for requesting a simple change to my account. I would also like Capital One to remediate or compensate me for my credit report damage that was incurred from their fraud. Failure to respond to this request will result in legal action taken against " XXXX '' and every other tier 1 representative that I have spoke with today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$8600.00} ; XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$350.00} ; 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 non-monetary relief