BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
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:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Let this letter serve as formal notice that you have failed to respond to my dispute letter. I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. Attached is the letter that was sent in XXXX which is dated and time stamped.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX


information taken without knowledge or authorization.

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 2016-02-12
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job because I have XXXX XXXX I can not work like I used to, and got behind on my mortgage but the first time I sent payments to OCWEN but they refuse the payments and send them back to me. I called them and they said they would only take a payment if I did the payment through them. I did this they wanted XXXX dollars every two weeks. This is XXXX more than my mortgage. I told them I filed for help and modification and forbarence but they said it did not matter I had to pay them. I told them I would do it the first two times but then I went back to making the payment through my bank which they return a payment again. Can they return my payments when I am making over my monthly payments? I told them I finally got a new job but it may take me a few to get caught up. They stated ok but I need to only pay through OCWEN not my bank. But they charge me a fee to do that and my bank does n't. OCWEN also charges to mail stuff to my house and inspect my property which my house has never been inspected from OCWEN. I keep getting letters to file for a modification but I have several times. No response. I just want to pay my mortgage and get caught up. This is the third time this company has messed with taking my payments, raised my mortgage and when I call and ask why they always say it is taxes or escrow, I just want my loan to be modified with a decrease in payment or go to a different servicer. I just want to pay my mortgage and keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
This information on my credit report is causing undue financial harm to me and my family in an global pandemic I have disputed multiple times and still no response. Please investigate an Remove these items from my credit report as it is inaccurate and false 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 explanation
Consumer complaint received 2022-12-29
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, my federal loans were transferred from XXXX XXXX ( XXXX ) ( Account # XXXX XXXX XXXX ) to MOHELA ( Account # XXXX ). The transfer was not done properly. 

I had been on an XXXX plan with XXXX for years, and when the transfer to MOHELA was processed, I was incorrectly placed into an XXXX plan. 

At XXXX, my monthly payment was supposed to be around $ XXXX ; however, MOHELA says XXXX now owe approximately $ XXXX. 

In XX/XX/XXXX, I reached out to MOHELA to explain that there was an error in transferring over my loan. I was told that MOHELA would look into it and update my account. On XX/XX/XXXX, MOHELA denied my request and I continue to be on an XXXX plan. MOHELA told me I needed to recertify ; however, no one has been required to recertify since XX/XX/XXXX. 

My goal is that I be placed back into my correct XXXX plan and continue having the same payment as I had as of XX/XX/XXXX when student loan payments were paused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank force place Homeowners Insurance on our home 14 months ago saying it was due to a lapse in coverage. We supplied them proof of current coverage, and new coverage that we paid in advance. We faxed them the proof of coverage, we emailed them proof of coverage, we sent it to them certified mail. We called their insurance department and they verified that they received the information from us, but that they didn't know how to stop the charges on our mortgage statement. We received a letter in the mail stating that they received proof that our coverage has expired, which means that they have proof of our insurance policy. We renewed it last week. Only way they would know it expired is if they had the policy. 

XXXX is the number for the insurance department We've paid {$180.00} + for 12 months on top of our mortgage. {$2200.00} that we're owed that we can't have an intelligent conversation with anyone there. We would love to talk to someone but everyone says " we don't handle that ''. Insurance says they can't see what our payments are, Customer service shows that the additional amount is being paid but Insurance AND escrow need to approve the reduction, Escrow says it's Insurance that needs to ok, but they can't see what the actual amount is. 

They are stealing {$180.00} per month from my children and holding my credit hostage.

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 2022-09-03
Company: Experian Information Solutions Inc.
State: GA
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 a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on XXXX XXXX XXXX XXXX XXXX XXXX. Also, I have uploaded supporting documentation to have the XXXX XXXX XXXX XXXX account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but Experian did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.

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 2022-09-02
Company: EQUIFAX, INC.
State: AL
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 Account, CBA XXXX Account # XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MN
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: STERLING JEWELERS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in receipt of my credit report and found an account that is being reported incorrectly. The account is a collection agency named XXXX XXXX XXXX and the original creditor is Kay Jewelers. This account was paid off in full and this debt is no longer owed. Additionally this debt is now over seven years old and this lender has re-aged this debt. Additionally Kay Jewelers is reporting this account past the 7 year limit and is reporting this account incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-01
Company: EQUIFAX, 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:
XXXX XXXX credit card representative promised that if I settled both accounts, that they would delete the account entirely from my credit report. Due to COVID-19 ramifications, it was very hard to come up with that money. XXXX XXXX did not keep their promise which they proposed as the accounts are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 AN # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: MD
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX -Account # XXXX XXXX. DEPT OF EDUCATION / XXXX - Account # XXXX XXXXDEPT OF EDUCATION XXXX XXXX - Account # XXXX XXXXDEPT OF EDUCATION / XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX15 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 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is XXXX intertwined issues. 

On XX/XX/22 i attempted to purchase a large item from XXXX ( where I used to live ) And I went over limit. I went back to pay off my balance, as Id been intending to and thought Id already done it. 

I opened the app. 

And on the app my Capital One card said this account has been restricted I was Surprised/thinking they must not have as sophisticated a system as, eg XXXX which sends me texts, etc when it thinks a purchase is fraudulent and asks if you are indeed the one making the transaction. ( Ie I guessed that they thought it was fraudulent because it was through a XXXX store ). But Capital One never got in touch. 

I thought it was strange. But I went ahead and paid off the balance as Id been intending ( the balance was from a major surgey ). And figured itd be back to normal in no time. 

And Several days later, Id had no contact from them and it still said the account restricted. So I called and was told : that they cant tell me anything about it. Not about why. Not about what happened. Not about whats being done right now. Nothing. 

Ive had a bank account with Capital One 360 checking account for years ( around a decade ) but only recently opened a credit card. 

Several days later, I posted on XXXX to capital One, asking if this behavior was normal/could someone please speak to me about it. 

I am, after all, a XXXX. And XXXX is a useful tool. ( And if something happens to me, I know usually its happening to others. ) That was XXXX days ago. 

Today, I went on to my app. Which normally shows XXXX accounts, the checking account with $ XXXX ( literally all of my money ) and the credit card account which Id paid off. 

And today, the checking account has simply disappeared. 

I logged onto my computer thinking maybe it was a mobile glitch. And it wasnt there. 

Ive never overdrafted. I dont ever use checks, so Ive never bounced a check. 

Was there identity theft? 

I have zero information. And at the moment Capital One has taken all of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 15 U.S.C 1681 section 602 ( A ) ( 4 ) states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

15 U.S.C 1681 section 604 ( A ) ( 2 ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681C ( A ) ( 5 ) states no consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records 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 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 2022-08-31
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with SPRINT and do not have a contract with convergent. They did not provide me with the original application like I asked.

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