BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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 am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, we began the process of completing a mortgage modification package with Specialized Loan Servicing, the company that currently services my loan. During this process i have completed at least 5 applications in an attempt to give the property back to the back. Each time their was a significant delay ( 2-3 months ) with the company reviewing my file - the have consistently asked for proof of income, bank statements etc and each time I provide them with the requested documents but their is always a reason why they can not process the paperwork. Their was a second mortgage on the property and i was told that I needed paperwork from the second lender after waiting over 6 months for a response that say they would settle the loan for a reduced amount. Then once I got that, I was told that they could not process my application because I had a second lien on the property and it needed to be removed and they would not settle with the second lien holder. By this time, the 2nd lien holder released the lien, this was in XXXX of XXXX and I was told I needed to complete yet another application ( this was the 3rd one ) and had to begin the process all over. Then I was told that the property was not in broom sweept condition so, I hire a company to clean the house and to remove the items in question in XX/XX/XXXX. They then told me that the system closed out my application automaticly because it took too long to resolve. So, i had to complete another application ( each time having to wait several months for them to review ). Application # 4 was submitted. Then I was told that they could not open my file up because someone on the staff closed out my file by accident. I had to complete a 5th application and still have not heard back about my account which has been pending since XXXX of this year. I called every week, several times a week and finally in XXXX I was told that their was a tree stump and some branches near the central air unit outside that needed to be remove and that they would not close untill it was done. I sent the company I hired back over to the property and they took a picture for me ( I am out of state ) and their was no tree stump or branches near the central air unit. I called again and told them this, I was told they needed to do another inspection on XXXX and it still has not be done. It has been over 2 years since I begin working with the company and they have tried every dirty trick in the book. In the meantime this is hurting my credit each month that it is being reported and interest is continuing to grow over the past 2 years that i can responsible for. 
I need your assistance with resolving this as I have been more than patient with this company.

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 2023-11-08
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Over 2 years ago, I took out a Title Loan and my Social Security income changed drastically so Title Max attorney allowed me to make payments less the interest. I completed the payment for loan and received my title to my vehicle. For past 4 weeks Ive been inundated with collection calls. I called the number on the Caller ID and these are hard nose collection agents XXXX XXXX. I blocked one phone number then call on another phone number regarding a cleared up by Title Max Legal Department.

They are ignoring the legal decision for to make payments and harassing me to make payments, I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft!! Please delete these items as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vie rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-07-19
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: AL
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:
I reached out the the credit bureaus in regards to a violation of section 623 ( a ) ( 3 ) for failure to enter notice of dispute for XXXX XXXX XXXX I sent a letter to Experian, XXXX, and XXXX on the XXXX of XXXX. I've disputed this account numerous times in the past 120 days and to my shocking disbelief all parties in this matter have failed to update my credit profile and stated bye law. I would like for all inaccuracies and violations to be removed from my credit 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 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On or around XX/XX/2018 i have submitted disputes to transunion via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there method of MOV was and who reported the information a few days later i have received a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) AND ( XXXX XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15 days! I HAD information come off of BOTH XXXX  and XXXX THAT WAS PROVED INACCURATE IF TRANS UNION WOULD DISPUTE THIS INFORMATION LIKE THEY ARE SUPPOSED TOO IT WOULD ALSO BE REMOVED FROM THEIR SYSTEM I BELIEVE THEY ARE NOT READING MY LETTERS THAT I HAVE SENT WHICH I HAVE COPIES OF AS REQUESTED AND I HAVE THE RETURN RECEIPT AS WHICH THIS HAVE RECEIVED THIS LETTER. ( XXXX XXXX XXXX ) WAS REMOVED FROM ALL FOR BEING INACCURATE EXCEPT THEM BECAUSE THEY DID NOT DISPUTE!

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 2023-11-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 a balance transfer was sent from XXXX XXXX to XXXX XXXX XXXX XXXX in the amount of XXXX I contacted XXXX XXXX to inform them that the transfer was sent to the wrong account number. A representative from XXXX XXXX told me that the money would be sent back if the account number was not correct and they would be able to reissue that balance transfer. Months went by and I contacted both XXXX XXXX and XXXX XXXX XXXX and no one could find the money. Investigation after investigation and still no money was found. It is XXXX and now I have been paying two credit card companies instead of one.

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 2023-07-19
Company: EQUIFAX, INC.
State: AR
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 am writing my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX, ARXXXX; XXXX XXXX XXXX  XXXX XXXX, ARXXXX ; XXXX XXXX XXXX, MIXXXX ; XXXX XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX ( Original creditor : XXXX ) Balance : {$79.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX, XXXX, XXXX ; XXXX XXXX, ARXXXX ; XXXX XXXX XXXX XXXX, ARXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$79.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX ( Original creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX ( XXXX XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX I sent a copy of my drivers license, social security and utility bille requesting old names and addresses be removed. sent certified mail. 
DID NOT HAPPEN. 

On XX/XX/2022 sent another letter certified mail. Notarized copy of license again, social security and utility bill. Letter received today XXXX XXXX. 
Will not remove old names and addresses from my credit 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 non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: LA
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 lost my wallet years ago and recently looked at my credit report someone has accounts in my name.please help me get this resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 lost my wallet years ago and recently looked at my credit report someone has accounts in my name.please help me get this resolved

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 2023-05-30
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct and update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-04-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I refinanced my mortgage loan with XXXX XXXX. Under the contract, I was required to provide proof of homeowner 's insurance to XXXX XXXX, which I did ( see Exhibit A attached hereto ). Thereafter, XXXX XXXX  assigned the loan to be serviced by PHH Mortgage Services ( PHH ). On or about XX/XX/XXXX, PHH mailed me a letter indicating that I never provided it with proof of homeowner 's insurance for the period of XX/XX/XXXX, through XX/XX/XXXX, and that they would buy insurance for that period for me if I did not provide proof of insurance for that " lapse period. '' Despite the fact that I provided proof of insurance to PHH 's predecessor, XXXX XXXX, I obliged PHH 's request and sent proof of insurance for the requested period ( see Exhibit A attached hereto ). Nonetheless, PHH billed my escrow account for {$1200.00} for the insurance policy for the " lapse period. '' No such " lapse period '' ever existed. Proof of insurance was provided to XXXX XXXX  ( PHH 's predecessor ) at the time the loan originated as was required under the terms of the loan. PHH nonetheless billed me for the insurance policy and refuses to refund the amount. I re-submitted the proof of insurance, and PHH still has taken no action. 

Additionally, the loan contract with XXXX XXXX, which is now binding on PHH, does not authorize PHH to retroactively purchase allegedly " lapsed '' insurance. ( See Exhibit B - the attached portion of the contract with XXXX. ) The contract does permit XXXX or its successors to purchase hazard insurance prospectively if such policy is in danger of expiring, but that is the only instance in which XXXX or its successors are authorized to buy insurance on behalf of the consumer.

Company response to consumer: Closed with explanation