BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the Experian  and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-12
Company: Experian Information Solutions 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 the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

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

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from 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 explanation
Consumer complaint received 2019-07-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We submitted Settlement checks from our Insurance claim to OCWEN LOAN SERVICING for endorsement so we can start the process of repairs to our property. 
two checks were sent via XXXX  overnight Tracking # XXXX on XX/XX/2019. 
Checks were received by XXXX on XX/XX/2019. 
Check amount were {$10000.00} and {$150000.00}. 
OCWEN LOAN SERVICING has been uncooperative and have either refused to help or have been unprofessional. 
Our property is severely damaged and is in desperate need of repairs, property is located in south Florida. it rains everyday damaging the property more as every day passes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 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 2023-06-08
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 2019-11-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was admitted to the emergency room at a hospital. I had insurance at the time and showed my card when arriving.I was treated by a doctor there and stayed overnight for observation the next day. I stayed in the ER and not in a hospital room. I was released the next day with prescriptions. 
A few weeks later I received a bill for {$150.00}, {$250.00}, and {$1400.00} twice. All from this dr visit. 
I was never asked or told that this dr was an out of network dr before he handled my er visit. 
I feel I was forced into this bill and I have disputed the charge a few times of this. They say I signed the form consenting the dr XXXX so I will pay. 
If I knew all this before, I would have asked for an in my network doctor. They never said anything of this. I feel this was entrapment for the service. 
I will not pay this, due to this business of this hospital practices. 
The services were given many years ago, and they keep renewing this on my credit report. Even the {$1400.00} shows twice as I stated above. 
I am requesting that these charges be removed from report. 
I have called the commonwealth, they were very rude and will not even look into the matter. 
I am requesting your assistance in this matter to have these medical items removed from the report. They are showing up on report when an employer pulled report. 

XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. Equifax is still showing inaccurate information on my credit report as well as XXXX. My scores are all different between the 3 and this is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2021-01-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank notified me around XX/XX/2020 that they were closing my account and that I would receive the funds that were left in my account within 30-60 days. It is no over 90 days and I donlt have my funds -- approx {$6000.00}. I called them over 10 days and they tell me the same thing the person working on the account has not finished yet. They offer to send an email to him, but nothing is ever done. I ask to speak to a supervisor and they will not let me speak to a supervisor and usually hang up. I went to the bank itself and they say there is nothing they can do. I just want my money back that I received from my payroll.

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 2022-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/08 : Deposited money order at Chase bank ATM XXXX ID : XXXX amounting {$4400.00}. There is something wrong with the machine and received a receipt stating to call chase number if my deposit didnt go through. My daughter went inside the bank and the guy told us to just call. I called and filled a claim provided them all info and money order numbers. They gave me this claim number XXXX. I called again today and was told that they put on hold my deposit as they cant find the other money orders in that bank. They are not giving me accurate answer and I don't know where my money is now. I have all the receipts and copies of my money orders and where it came from. Now, chase is stating that they cant find the whole amount but I deposited all the money orders in that machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove the fraud account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: TX
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}

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 explanation
Consumer complaint received 2021-01-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My rights to information has been violated. I had no knowledge of the assignment of Mortgage dated XX/XX/14 by the U.S. Department OF Housing and Urban Development. Mortgagee Letter XXXX and letter dated XXXX XXXX nor did I sign consent that needed the borrower to sign form. Also the Modification loan Agreement dated XXXX XXXX that loan is connected with the XX/XX/2014 Assignment of Mortgage documents. Also the XXXX XXXX loan Modification Agreement XX/XX/14 which is a conventional mortgage loan, I did not signed consent to a XXXX  XXXX  mortgage loan or any other conventional mortgage loan. Both are improper and misleading and misrepresented. See Exhibits A B and C

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax is DOUBLE reporting these time-barred accounts. On XX/XX/XXXX, confirmation # XXXX, they reported the XXXX XXXX CLOSED account under the merchant, XXXX XXXX acct # XXXX. The correct information was reported : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. The XXXX XXXX acct was reported under the merchant, XXXX XXXX  acct # XXXX with incorrect " Date Opened '' information : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. I opened the XXXX XXXX account in XX/XX/XXXX and paid it off in XX/XX/XXXX - it was a 90-day same as cash promotion ; I only used the account one time. It appears that when the 7-year statute of limitation for credit reporting expired under the merchants ' name, Equifax started using the bank name to report the time-barred information for another 7 years. I rarely check my credit because I know I haven't opened any credit accounts within the past 7 years and thought it was the student loan that affected my credit score. It seems as if Equifax is re-aging these 2 OLD accounts - both have been on my credit report for 16 YEARS!! They should not be allowed to do this. I am very concerned by this action as it appears that Equifax is deliberately trying to wreck my credit and is the reason why my auto loans have such HIGH-interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief full Accommodation was not applied after i was promised.. 
XXXX XXXX XXXX/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX 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 2019-04-10
Company: Experian Information Solutions Inc.
State: NC
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:
I have written to Experian that is still reporting this misleading and fraudulent information on my credit profile. XXXX and XXXX   has corrected the matter promptly. I have given Experian notice through urgent letters and submitted an affidavit in reference to the fraudulent accoun, incorrect addresses on my Experian are invalid as well. 

Experian reporting this misleading fraudulent information is preventing me from obtaining a mortgage loan. Thank you for helping me hold Experian responsible in correcting and Deleting this Fraudulent information on my credit profile immediately.

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 2017-09-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The day I opened my Chase Business Ink card, the banker told me to give him what I thought I would be making for the year. At the time when telling him, I did n't understand that he was using that as my ability to repay. I told him what I actually made as well. Therefore, I was given a rather high limit without the ability to fully repay and ended up not being able to make the monthly payments. It frustrates me a bank I trusted would have a banker do this to me and destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: VA
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 multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. 
An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as Experian, XXXX  and XXXX for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.

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 2023-09-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage payment amount is {$130.00}. However I send them {$750.00} every month just like clockwork. Two months ago they started sending me notices that they have not received my payment. When I asked them for my payment history they sent the attached. Youll see it also shows Ive never missed a payment. At this point Im not sure if theyre stupid or flat out scumbags trying to rip me off? 
Id really appreciate your agency intervening and making them correct their obvious mistake. I also need them to fix my credit report, and it would be nice if you made them pay a fine! 
Thank you 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