BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a letter to this company requesting information about this account that showed up on my credit report. I have made several attempts to obtain proper information from this company however each time I was not successful in obtaining the information. Instead I received a letter requesting information from me which I am not willing to provide considering that I am disputing the validity of this account. Furthermore, the company is reporting this account yet can not locate my alleged account in their system. This further justifies my statement that this account reporting is not valid. The information I provided in previous letters to the company, along with the account number above ( which I obtained directly from the credit reporting 's ) was sufficient enough to find an account for me if a valid account for me did in fact exist. This company has failed to send me any information that I requested and yet continues to report this account.

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 2023-03-06
Company: EQUIFAX, INC.
State: IA
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:
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 balance {$800.00} on my Equifax Credit Report has violated my rights. 

15 USC 1681 section 602A. States I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 a reasonable cost to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked my mortgage company to help me! My daughter was in a terrible accident she's in a XXXX. So I asked for a Modification, Terms of modification : 1. Lower your interest rate. 2. Reduce your mortgage balance 3.Lower your monthly payment amount. 4. Adjust your loan period. 5.Changing your loan type. 6. Qualify for harp assistants. which I don't. 
So they Doubled my payments and foreclosed on me. 
I am still on title and have the rears to pay, would like to be reinstated. 
Loan # XXXX Ocwen/PHH The trustee won't talk to me. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Please help with implementing the Moratorium on Foreclosures & Evections. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, 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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: OneMain Finance Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
1main Financial of XXXX XXXX Illinois submitted multiple, unauthorized drafts to my checking account with XXXX XXXX XXXX located in XXXX XXXX, Il causing the bank to CLOSE my checking account and Savings account. 

They drafted my account EVEN after I submitted a payment. 

Now I owe the credit union over {$300.00} in overdraft fees and worse, 1main has levied non-sufficient fund fines on top of my loan with them. Isn't this illegal??!? What can be done?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thank you so much!

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 2022-02-02
Company: EQUIFAX, INC.
State: NY
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been waiting to buy a home since XXXX, my credit union sent commentity bank a cashiers chgeck to payoff the card and that check was delivered on XXXX. I started a dispute in early XXXX and I was told the dispute team would take care of it and not to worry. They told me I wouldnt be responsible for making payments while they located the check and closed my account and that all of the fees I saw after they received the check would be removed. A month later my credit score dropped XXXX points because they DID report me 30 days late TWICE now!. Now I can not buy a home and EVERY TIME I send a message I get the same response " Disputes can take up to 90 days ''. 

My question they will not answer is, What other outcome could there be if we sent them copies of the cashiers check, delivery receipt, and the payoff letter? Why has it taken 2 months? Why cant I get an answer on this? They also REFUSE to sign a release of funds which would allow my back to cancel the check and wire the money. 

I am literally stuck here meanwhile I lost out on 2 homes to purchase and can not buy the car I was in the middle of shopping for. This is RIDICULOUS. Then when you reach out they tell you they're in the middle of researching it and will get it resolved as quickly as possible. I have been hearing that for 8 weeks!!! 

Please look at the documents I attached and ask yourself what you think would be fair at this point given the fact that I have spent over 40 hours dealing with this and lost the opportunity to buy a home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH took over my mortgage in XXXX, XXXX. They failed to pay my homeowners insurance for that year, therefore XXXX sent me to collections for {$640.00}. I found this out in XXXX when I switched insurance companies & XXXX billed me & then sent me to collection shortly after. PHH initially told me that since my mortgage was transferred to them I would have to go back to first company -- I fought back. I told them when you buy a loan, you assume it & all of it's responsibilities -- I let them know it was their issue to fix. 

Now, were in XXXX & I am getting a cancellation notice from the new insurance company, XXXX, because once again the policy has not been paid. Please note, I called PHH to inform them of the switch. 

Oh last thing, they didn't pay all of my property taxes in XXXX. I found out there was a lien on my property by XXXX XXXX for like {$36.00}. 

PHH has resolved both issues after my calling & complaining, but I shouldn't have to deal with this. I travel often & what if I missed a notice in the mail? My credit could have taken a dive & I'm sure PHH would love to inform me how I don't have insurance when they are the ones who didn't pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: OH
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day 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 explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; US DEPT ED XXXX Balance Owed : {$4700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed XXXX {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-07-09
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by this company is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. 
THIS IS 7 years old an have been inaccurately furnished onto my consumer report.FASLEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
After acquiring a copy of my credit report, I made a distressing discovery : I have become a victim of identity theft. Given that I am currently in the process of purchasing a home for my family, this revelation has filled me with horror and concern. The repercussions of this fraudulent act have had a detrimental impact on my financial well-being. Therefore, I kindly request your immediate assistance in removing these fraudulent accounts from my credit report. Please see attached for additional documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: CarMax, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I bought a car from carmax I barely had the car for a year and had mechanical problems with it. I found out it was the engine. I took it carmax and I told them about the problem and asked them for an exchange for a different one they refuse too and on top of that expensive problem I had to replace the battery that cost me {$230.00} it had battery acid on it and it damaged some other parts of the car. They temporarily fixed the problem do once a customer drives it off the lot they know they would blame the customer for the problem even though it's carmax problem. They sold me a lemon car knowing the car had problems. I gave up the car around XXXX they have been putting it on my credit report as a charge off for five years even though they closed the account. They won't stop destroying my credit report. They know that the statute of limitations in Texas was up in XXXX but they constantly charge it off ever month and year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Paramount GR Holdings, LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I financed Solar panels from XXXX owned by XXXX in which XXXX XXXX installed multiple panels on my roof. These solar panels financed through XXXX XXXX has a balance of over XXXX. 
I was promised {$1600.00} from sales reps to cover a years worth of electric bill from the utility company as solar panels doesn't give an immediate saving per sales rep. 
I was also told I should be receiving savings from solar panels once connected. Yes, totally confusing. 
Therefore, I started putting my thermostat on 70 instead of 78 because of possible savings. When I received my utility bill from electric company, my savings were XXXX the XXXX month and {$1.00}. 
I have been calling daily trying to reach owner, XXXX, but he will not take my calls. I have spoken with XXXX, the CFO of the company ; however, he stated he doesn't know anything about panels and stated the {$1600.00} will not be given to me since the sales rep made an error on the contract. So I reached out to the finance company and sales rep and inquired about the {$1600.00} promised amount and also possibly removing these panels. since there are no savings. The sales rep stated they no longer work for XXXX XXXX because they have proven not to be a good company to do business with. 
Please help me, I can not continue to deal with this stressful situation. Due diligence was not given to me. XXXX did not do as they said and the XXXX solar panels are not operable. I am requesting these solar panels be removed and the roof repaired if damaged upon removal. This is fraudulent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Repeated requests to provide methods of accuracy & verification used by TransUnion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent

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