BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX are not in compliance with FCRA. They are reporting two debts on my TransUnion credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with XXXX XXXX TransUnion. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases. 
!

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 2023-07-24
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
When our mother died suddenly and unexpectedly last XXXX, I began communicating with her reverse mortgage servicing company, PHH, about our desire to keep the property. I had already been told, by persons knowledgeable about reverse mortgages as well as PHH customer service reps, that extensions were available to heirs to be able to market the property OR obtain funds needed for the payoff. They mentioned 90 day marketing extensions as well as two six-month extensions that were pretty much the norm for anyone. BUT, it took almost six months just to be able to actually make the request. In XXXX, I was finally granted a six month extension and was informed that if I wanted a second one, I simply needed to request it via email a week before the first one expired. I followed her directions to the letter. 

When I requested the second extension ( in XXXX ) I was told no more extensions were possible because the extension we had was a covid extension and that those were lifted in XXXX. I do not recall being told by anyone I ever spoke to that covid extensions were the only ones I could get and had no warning that they were going to be lifted. If I understood correctly, the 90 day marketing extension had already run concurrently. I was then told that the next thing to happen would be notification of foreclosure sale. No way of knowing when. 

From XXXX through XXXX of last year, I was consistently given confusing, conflicting information or was told something new that I should have been told before. And nobody seemed to be able to explain why. And of course I never talked to the same person twice, which I understand, but six months of piecemeal information and constant confusion should NOT be the norm. It did not help that the reverse mortgage servicing companies themselves changed several times. The last CSR I spoke to apologized for the misinformation I had received.

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 2021-03-16
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Tax ID # XXXX Credence Resource Management is using fake names with their off shore call center. They refuse to give ID # for the business as well as refusing to give address for call center so you can file an international complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Rozlin Financial Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last spring, I was suppose to have a wedding on XX/XX/XXXX. Due to the pandemic it was impossible to have the XXXX 
The governor ordered a stay at home band that started in XXXX and went past XX/XX/XXXX the day of the wedding. 
Due to not being able to have a wedding, I contacted our XXXX vendor XXXX XXXX XXXX to let them know. 
XXXX ( XXXX XXXX ) told me I still owed the full payment even without the service provided. Not only that if I didnt pay he threaten to add a 20 % penalty. 
XXXX the owner stated I would still owe the money in full and that I could use his service for whenever the wedding would be rescheduled. 
I told XXXX that I did not foresee when having the wedding would be due to the pandemic. 
As the date got closer on XXXX and XX/XX/XXXX XXXX bullied me via phone and email and told me he would sue or take legal action if I didnt pay even though he couldnt perform the service. Not only did he cause emotional stress on me during the pandemic of not being able to have a wedding, I was now being threatened to be sued. 
XXXX has now sent me to collection ( XX/XX/XXXX ) almost a year later. He is now going to ruin my credit on a collection he is trying to collect on for a service he did not perform. I believe XXXX owes me the {$300.00} deposit that was paid to him and he never offered to refund. 
Im extremely disappointed with how XXXX is using these abusive collection tactics during a pandemic. I had heard great things about his company prior to my experience with him. 
Im looking for your help and assistance to resolving this matter. 
Company info : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt I owed was referred to this company. I have no record of them trying to contact me directly. They sent a server to my mom 's house and I had to call and wait on hold for hours to track down someone who could tell me what it was for. I was able to pay off the debt in full over the span of less than a week ( final payment XX/XX/07 - over one week ago ). I was told I would receive a paid in full letter within 24 hours. It has now been over a week and I have called again, sent an email, and am currently on hold to request again. 

This company uses very aggressive tactics and they already tried to serve me and take me to court once so I am understandably very concerned they're withholding this legal document. In Utah the law is they must provide the letter within 5 days. It has been 7 with no progress. 

Until I have that letter, I'm in a constant state of XXXX waiting for a server to show up, or my paycheck to be garnished because so far all this company has done is show they are extremely aggressive and can't keep their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
Spoken with All Creditors and Bureaus in question to remove Accounts that were fraudulently opened on my credit report. 

Sent multiple FTC reports to XXXX, XXXX, and XXXX in regards to Identity theft. These accounts were never Removed. Ive called every day to follow up with each company for the last two weeks after initially starting the disputes in XXXX. I received Not much changes. 

XXXX has removed some accounts ( XXXX XXXX  ) for fraud while XXXX and XXXX still report inaccurate information that came from fraud. 

I have sent mail as well as uploaded my documents to XXXX. They claim theyve never received the documents I mailed. I asked if they could have a person manually review my Documents because they do highlight fraud on my account and the response from XXXX representatives was that this was not possible. 
I then asked if my contactual agreement between XXXX and myself allowed me to request manual review of my documents, the rep responded yes but could not complete my request as their companies policy allows for A.I. machine to review and place a determination on my report. I said to the Manger who I spoke with from XXXX earlier today that I didnt ask for a robot or machine to review my documents. She then told me it was nothing that could be done. She left me one option which was to set aside time again and reprint the documents to have them taken to the post office for Mail when I fully explained that I have done this in the past and have receipts to prove this. I was instructed on the phone by a representative to upload my documents to the online portal where they would be reviewed. The agent never specified that it would not be reviewed by a person in which it was clear in the conversation that a personal review is what I was looking for. I also explained I am going up for a mortgage have kids and am being affected daily by my consumer report with is filled with Fraud that I need a manual review so my decision can be delivered in a reasonable amount of time that doesnt allow for me to miss the opportunity to mortgage my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: U.S. BANCORP
State: IN
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 have a U.S Bank credit card ( 5+years ), and have NEVER missed or been late on a payment. I have always paid more than the required minimum payment every month. U.S. Bank reports to the credit Bureaus around the XXXX. of every month. I used my U.S. bank credit card on XX/XX/XXXX to buy a couple of items, and I exceeded my credit limit by about {$200.00}, which they authorized. But, on the next day, they reported the " over the credit limit '' to the credit bureaus, which in turn immediately dropped my credit score 21 points. U.S. bank DID NOT inform me of the over credit limit problem, if it was a problem, or if I was required to make an immediate payment, but, the next day I made an {$1100.00} payment to my U.S. bank credit card account, which lowered my useage to around 60 %. However, U.S. bank will not report the payment to the credit bureaus til the XXXX of the month, but, at the same time, on any day of the month, they immediately report going over the credit limit by any amount!! THIS PRACTICE SHOULD BE ILLEGAL, AND UNETHICAL. Damaging a hard working American Citizen credit worthiness is an easy process for those banks/companies. 



Thank you

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted MRS BPO LLC about an account they put on my credit report without even contacting me about the account which is a fraud account from XXXX when they said I opened an account with them XXXX of this year when I havent had XXXX. I talk to someone from the company, and they even said it was something not right about the account and something didnt add up so he disputed on his end, and I never received anything from them about the dispute so I disputed though the credit report agency, and they wont remove this fraud account that wasnt open by me when they even said it was something not right about the account themselves.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 2023-02-22
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX OF XXXX XXXX XXXX OF 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 2023-10-18
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

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

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX # XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$66000.00} ; XXXX DEPARTMENT OF EDU XXXX Balance : {$3600.00} ; US DEPARTMENT OF EDU XXXX Balance : {$2900.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX/XXXX 2020. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The United States XXXX XXXX XXXX XXXX  XXXX alleged released my non public information to XXXX and the reporting agencies. I was not aware the United States court released such records without consent. I have not given any consent to either party to release these alleged bankruptcy records and request these records be given to me so they may be inspected for verification.

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation