BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Per previous submitted response from complaint XXXX Equifax has completed its investigation, including contacting the furnisher of the information, where applicable.However according to Investigative Consumer Reports . Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report. 
5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA. 
6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. Equifax has neglected to perform any of the required investigating Requirements to properly perform a CONSUMER INVESTIGATION. As previoulsy stated in last complaint, accounts listed are innaccurate and have been reported on my credit report without my consent. COMPLETELY violating my privacy rights 15 U.S.C. 1681 Section 604 section 1 states that have a right to privacy and 5 U.S.C. 1681 Section 604 section 2 states written consent must be provided to do so.account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}. The listed accounts are affecting my character and illegally reporting derogatory inaccurate information. Per the FCA entities are subject to {$1000.00} per violation in fines for knowingly and recklessly reporting information. In addition to neglecting to perform an accurate FULL INVESTIGATION CONSUMER REPORT. I demand that these accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2021-10-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On about XX/XX/XXXX I ordered a sectional from XXXX, received it on about the XXXX and they sent the couch and loveseat in brown and the corner piece in gray - I ordered gray. Called XXXX and they refunded the amount and told me to wait two weeks before I disposed of cardboard that this came in - if I didn't hear back then I would keep or dispose of the sectional. While I was on the phone the lady put in a new order for the same sectional but told me that it would be three months as it was on backorder. I said ok at first and then thought about it and went in and canceled that order. 

XXXX refunded the first mistake sectional and then credited my account for the re-ordered one that I canceled BUT- they have not sent this credit over to my XXXX credit card so it is still showing that I owe for the re-ordered sectional,. I have called both XXXX and CITI who is the wayfair credit card and they keep sending me back and forth and have not fixed this yet. Attached is the invoice from XXXX showing a XXXX balance but my XXXX credit card is still showing the price of the sectional on it. I call and they either tell me to call one another or say they will credit it etc. Every time I call I get a different answer. Please help.I don't want to pay for something that was totally sent wrong or a re-order that I canceled.

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 monetary relief
Consumer complaint received 2023-07-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our home was significantly damaged in Hurricane Ian on XX/XX/XXXX. Our homeowners insurance released the last portion of our payout, totalling around {$44000.00}, to our mortgage company, Carrington Mortgage, who then turned it over to Carrington XXXX pending inspection for release of funds. On XX/XX/XXXX we had our inspection, on XX/XX/XXXX we were notified that our repairs were at 91 %, and that the remaining funds ( approx. {$44000.00} ) would be released to us. On XX/XX/XXXX, the check was denied, and they are now demanding another inspection based on the same appraisal they already had inspected. We have used everything from the insurance money, personal savings, and also funds from our business to complete repairs. We do not have the funds to complete anything else without this payment. 

After speaking with multiple supervisors, we just keep getting the run around and are repeatedly told that we need another inspection despite our payout already having been approved. This is beyond the realm of ridiculousness. They did not help or cover any of these repairs and are not entitled to a single cent of this money. It is needed to complete our repairs before we get another storm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: IL
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 has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ {$720.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Sadly my complaint has expanded fifteen years and every time I apply for refinancing and am denied I get to relive the humiliation resulting from the bullying practices of XXXX XXXX XXXX/American Home Mortgage. 
XX/XX/XXXX : " I am pleased to advise you that your request for a loan modification has been approved ... '' Really? After bullying us into a modification with threats of losing our home it took 3 months of not allowing us to pay on our mortgage you approve us for 11.25 % and a higher monthly payment! When I phoned to express my grave concerns, '' Mam, you really don't have any other options ... '' XXXX : Again, due to financial hardship we were left with no other option but to modify again at an outrageous rate. Again, getting nowhere with the company I reached out to the Attorney General. 
XX/XX/XXXX- sent a letter to XXXX XXXX-CT Attorney General- he responded to no avail. Got the run around and told mortgage companies were allowed charge those interest rates ... etc ... .but does that make it right? They threaten to take away your home unless you modify! That is bullying!!!! 
XXXX Sent another letter of disgust hoping for some retribution-no luck with the organizations referred to. 
XXXX Sent a letter to XXXX-CT Attorney General and was referred to Making Homes Affordable program but we did not qualify. 
XXXX Trying to refinance only to yet again be told we don't qualify and that we have been paying thousands of dollars per month to barely move forward on our loan amount that is {$100000.00} more than we paid for it in XXXX!!!!!! We work hard to provide for our family, we have never asked for a handout yet mortgage companies are allowed to take advantage and the consumer literally has not protection against these bullies. 
Thank you for taking the time to hear my complaint and I'm not anticipating any outcome in my favor but I feel if I don't continue to express my disgust with the whole process then I remain the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
A medical bill conveniently has been added to my credit report for {$500.00} ( you cant report account under {$500.00} ). Ive viewed medical records from XXXX XXXX XXXX XXXX XXXX XXXX ) and contacted the billing department and they have no record of the debt. This bill wouldve been from XXXX and would have been able to have been reported until the law changed ( but it was not ). I have a credit reporting service with XXXX and have checked credit reports since XXXX and this medical bill is NOT listed. If it is my bill and went unpaid then it would have been reported PRIOR to any collections activity but it was not. XXXX can check their own records for accuracy. Furthermore, I have NOT been notified of ANY DEBT. When I contacted the collection company they advised that the debt recently was sold to them by XXXX XXXX and they didnt have my correct name or mailing address. Ive opened complaints with the CFPB for each of these companies so this issue can be resolved. These companies should not be allowed to blatantly circumvent the law and credit reporting agencies should be checking their own records and actually validating the information they allow onto a consumers credit report. I want this resolved 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 2021-10-12
Company: ALLY FINANCIAL 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 have called and talked to the customer service of Ally Financial ( auto financing ) more than 30 days ago about a fraudulent inquiry on my XXXX credit report they took all the information but never responded could you please assist in helping me remove this fraudulent unauthorized inquiry? the inquiry date was XX/XX/2020.

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 2023-02-17
Company: EQUIFAX, INC.
State: OK
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 tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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 XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts.

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: DC
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:
Equifax is continuously reporting inaccurate information on my credit report. Equifax claims to have reached out to the data-furnish er ( which could only be XXXX XXXX ) in attempt to verify if a payment was made 4 years ago. It's against the law to report transactions and or experiences between a consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EMCC Holdings, LLC
State: CA
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:
According to laws of 15 USC 1681 A and 15 USC 1681 Section 602 A and its exclusions this company illegally placed late payments on my credit report adversely affecting my creditworthiness and to obtain new credit.

15 U.S. Code 1681a - ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized undersection 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( ii ) communication of that information amongpersonsrelated by common ownership or affiliated by corporate control; or ( iii ) communication of other information amongpersonsrelated by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to theconsumerthat the information may be communicated among suchpersonsand theconsumeris given the opportunity, before the time that the information is initially communicated.

The law 15 USC 1681 Section 602 A states my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My work income was severely affected by the get-go of the Pandemic and i fell behind since XX/XX/XXXX- I am a XXXX XXXX and visit Clinic & Hospital Facilities ; as of XX/XX/XXXX- I signed for Forbearance for my loan # XXXX with XXXX aka XXXX until XX/XX/XXXX when I was entered into 3-month Trial Period for XXXX, XXXX XX/XX/XXXX -- which I paid religiously on time but XXXX sold my Loan and the new Fay Servicing claims they did not receive any documentation from XXXX showing that I was in compliance and locked Loan Modification for they to continue and honor the agreement. Last documentation with XXXX instructed me to start new payments to XXXX as of XXXX XXXX but XXXX is playing hide-go-seek with me, not returning my Tre-Way-Calls, not responding to my multiple emails and lastly their website is not allowing me to make any payments but instead, they want me to sign a Deed-in-Lieu ( every email i have submitted to them includes the documentation, the Loan Modification duly Notarized and my XXXX XXXX XXXX Statements reflecting the days those payments posted and cleared. 
To help myself avoid all this mess I signed a contract and paid {$750.00} x 5months to XXXX XXXX so-called Real Attorneys out of California, ( Deposit directly on their XXXX XXXXf XXXX Checking Account ) between the months before entering the Trial Period with XXXX, but they just took my money every month and who knows how many other homeowners have been victims of this nonsense - scam - and malicious criminal activities since the beginning of the Covid-19 Pandemic times. I have documentation and all kinds of recorded conversations, receipts, bank statements, and email traces to back my story ; i have the money to make my payments to XXXX but they don't want my money, they want just to take my home away from me to leave me in the cold without roof over my heads because my house is sitting on a pile of equity, it is on a piece of huge land and they want to Foreclosure me to Sell for Big Profit. That there is criminal and can not go unpunished. 
I reported this also to Ms XXXX XXXX at the local XXXX and provided her with all details, emails, documents, receipts, Bank Statements ; someone has to HELP me- Please. XXXX XXXX  XXXX XXXX ( XXXX ) XXXX -- Home XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation