BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX/experian released my report without my written consent and violated my federally protected rights XXXX is using my identity and saying I owe, this is fraudulent ; producing a contract without my signature is Fraud and very illegal.15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy The bureau is not verifying the debt is actually mine ; who did they speak with as required by law when acquiring my location ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted. 
They are not protecting consumers rights Not only that XXXX is harassing me and calling my all time/hours ; oppressing me reporting false late payments 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

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 2022-12-03
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: Information belongs to someone else

Complaint:
I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any ITEMS or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$45.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-05-14
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A major medical crisis took place in XX/XX/XXXX for borrower, which caused original delinquency. Then co-borrower lost job due XXXX in XX/XX/XXXX.  Borrowers tried to bring the loan current despite a reduction of income and extensive medical debt. Borrowers continued on this course until delinquency hit foreclosure status. At that time borrowers were referred to make contact with a HUD Certified  Housing Counseling Agency. 

Borrowers began to work with XXXX of XXXX ( A division of The Partnership for Families Children and Adults ) in XX/XX/XXXX. Time line is as follows : 1. Borrower response package was submitted XX/XX/XXXX thru Hope Loan Portal 2. Deemed complete by Ocwen XX/XX/XXXX. 
3. Submitted to Underwriting XXXX XXXX 4. Approved for Trail Payment Plan for streamline modification XX/XX/XXXX 5. Trial Payment Plan began XX/XX/XXXX 6. Trial PP should have ended XX/XX/XXXX 7. Status request sent to Ocwen XX/XX/XXXX to check on finalization of mod 8. Status request again sent to Ocwen XX/XX/XXXX 9. Response from Hope Loan Portal Specialist XXXX XXXX of Ocwen Mortgage on XX/XX/XXXX. Response stated *technology issue with Ocwen as the reason the modification had not been finalized or made permanent. 
10. Escalated the case thru Hope Loan Portal, direct contact with Ocwen via escalation email and fax on XX/XX/XXXX 11. Final approval granted XX/XX/XXXX with final approval going to attorney XXXX XXXX 's office. 

Borrowers made 10 trial payments through the trial payment plan. While in the TPP the borrowers were forced into a Chapter XXXX bankruptcy for self employed business debt XX/XX/XXXX. **Please note that communication with Ocwen continued through the Hope Loan Portal and via telephone AFTER the consumer filed. 

Because the borrowers were in an active bankruptcy when the final loan modification documents were approved they were sent to the borrowers attorney XXXX XXXX, even though the borrowers had not included the mortgage in the business bankruptcy. This delay in documents and late post mark of documents cause the finalization to fail. 

Appeal being made based on timeline asking for final loan modification to be honored. Borrower was only given 14 days to return documents after final approval. Borrower was not given even 30 days. Borrower made 10 trial payment while waiting on Ocwen to finalize the modification - Ocwen had 310 days in which they did not process the streamline modification, yet only gave the borrower 14 days to respond. 

We asking for assistance with escalating to the correct team or unit to OVER TURN or OVER RULE the denial of the final modification based on the timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX, 2022, I sent a certified letter to XXXX, XXXX, and Equifax. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XXXX XXXX, 2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 there was four inquiry on my credit report from the companies listed : Flagship Credit acceptance, XXXX XXXX auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.

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 2021-08-25
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I gotten a loan with Regional Finance in XX/XX/XXXX. I was making payments on time until I lost my job XXXX due to covid. I was months before I stated receiving unemployment due to my job closing down no one could reach anyone to verify I was laid off. Regional calls my phone day and and day out. I have try to make agreements, I have try to ask could they lower my payments being I'm on a very low income now with unemployment than what I was making on my job. They wont do anything but an deferral which is still causing me to be behind. I have XXXX children ages XXXX, XXXX, and XXXX. I loss my home and my car in a matter of months. The last thing I need is for them to keep calling me adding more stress. I made a payment for XXXX on today XX/XX/XXXX and they call me asking for another payment for XXXX today. I have explain my situation to everyone in that office and at this point I wan na just change my number and don't pay at all. Take me to court or do what you got to do. I have nothing, because they are aggravating and I'm doing the best I can. They act like they understand and they care but they really don't. calling me early in the morning and all day long. XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are all getting on my last nerves!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collections ARS ACCOUNT RESOLUTI Opened 2019XXXX {$280.00} ARS ACCOUNT RESOLUTI Opened 2019XXXX {$530.00} I received a letter from ARS and correspondence by email that all of my debt from ARS would be removed from all 3 credit bureaus, these two accounts are still showing up with XXXX and XXXX... I have called these companies and they said that ARS has to be the one to give permission to delete these accounts..I am asking that ARS get in touch with these 2 companies and have the debt removed..this issue has been going on for months. Above shows the 2 accounts that are still showing 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 explanation
Consumer complaint received 2022-05-24
Company: Affirm Holdings, Inc
State: TN
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:
Two months ago I received an alert saying I had accounts behind. So I disputed the accounts and called the company showing up on my credit report. They stated to me twice that I do not owe them money. 

Ive disputed these 4 accounts twice and been told by the company who they say I owe twice that they have no record of my name, social or address or birthday. 

Makes no sense why this is showing up on my credit report two months later. 

I have no documentation of the accounts nor have I received any phone calls or mail from XXXX XXXX other than myself calling them to ask if I owe and they tell me I do not owe them a dime. Even asked for paper documentation but was denied it by affirm  due to them Having no record of myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: TN
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:
Two months ago I received an alert saying I had accounts behind. So I disputed the accounts and called the company showing up on my credit report. They stated to me twice that I do not owe them money. 

Ive disputed these 4 accounts twice and been told by the company who they say I owe twice that they have no record of my name, social or address or birthday. 

Makes no sense why this is showing up on my credit report two months later. 

I have no documentation of the accounts nor have I received any phone calls or mail from XXXX  company other than myself calling them to ask if I owe and they tell me I do not owe them a dime. Even asked for paper documentation but was denied it by XXXX  due to them Having no record of myself.

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 2022-05-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business XXXX XXXX a career coaching service we help individuals search possible career options and search out job openings that match their career interests and they may work in schools, colleges, government agencies or in private practices and other individuals who need help with professional development. since XXXX XXXX, 2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: TX
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:
Had a card with XXXX XXXX XXXX XXXX XXXX Account defaulted. I called to settle the account. I asked them if they would do a Pay delete deal. They told me if I paid the settlement amount they would remove the account from all 3 credit bureaus. I paid the amount they asked for but it is still showing on all 3 bureaus and affecting my credit.

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 2022-12-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any ITEMS or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$45.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I sent a certified letter to Transunion, XXXX, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe is inaccurate.

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 2019-06-04
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex wife and I were going through the divorce process in XXXX, XXXX my ex wife asked XXXX XXXX to transfer her number to her own plan so that she could pay it. We contacted XXXX Customer Service and had her removed from my account and she gave them her social security number and they created her own account for her. I had no access to payment information or anything for her account. I was assured by customer service that I was not responsible anymore if she missed a payment. She had set up her own account. On XX/XX/XXXX I received a credit alert that I was sent to collections for {$500.00} that she did not pay. I called XXXX XXXX and they said that they had put her on a sub-account under my name and that I was legally responsible and that she wasnt responsible. I then called the collection agency and they had my ex wifes address on file and that she wasnt liable for the collection of the debt, only I was. We have been divorced officially since XX/XX/2019. I can not understand how I am liable for my ex wifes debt when I did nothing wrong. XXXX XXXX put it wrong in their system.

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 2023-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MD
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This the item I demanding to be deleted immediately

Company response to consumer: Closed with explanation