BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Predatory lending. 
I closed on the first mortgage loan on this home on XX/XX/2003. 
I have lived there continuously since then. I have defaulted several times in 20 years but for the most part I have been making mortgage payments for 20 years. 
I received a prior modification the terms of which were predatory unbeknown to me until much later when I found out that I had a balloon and that the term was changed to 45 years and my principal was not going down. Also, recently I received a modification offer after being on XXXX forbearance and once again the terms are predatory and abusive. The lenders hide and deceive by offering a " low interest rate '' but they are increasing their profits by recreating conditions where the loan principal never gets paid off and their profit just keeps increasing. I have been working like a slave, compromising the well being of my family to line the pockets of these slave drivers!!! They are saying that in XXXX I will still owe {$260000.00} of the {$360000.00} initial loan amount after paying for 32 years!!! They have made me work as a slave to benefit from my labor and I can not even own my home after working for 32 years??? XXXX XXXX says that slavery in all its forms has been abolished. Do not let slavery exist in a deceitful underhanded way. I have been wronged and abused. My entire life has been destroyed and they are now taking the stance that since I refuse to continue slaving for them I will be driven out of my home against my will! The laws of this country should be protecting me against this abuse of power. This is straight forward and plainly wrong and needs to end!!! For me and for other people equally affected!!!! Do not turn a blind eye!!! ENOUGH IS ENOUGH. LIFT THE KNEE! I CAN NOT BREATHE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I do not owe this debt as the school I attended was based in XXXX and subject to the settlement. I attended XXXX XXXX University which was found through investigation to commit misleading business techniques to defraud borrowers. I am a XXXX XXXX XXXXXXXX clearly stated i wanted to take only loans I can discharge though the XXXX XXXX knowing this purposely gave me a private loan without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX, my current mortgage company, Mr. Cooper stopped reporting my payment history to the credit bureaus. I have made multiple attempts to get the information corrected and on my call today, XX/XX/XXXX, my mortgage company advised the reason they discontinued reporting to the credit agencies is my co-borrower had a bankruptcy in his history and they were not allowed to report to the credit agencies. My co-borrower 's bankruptcy was discharged over 10 years ago, prior to my servicing being transferred to my current mortgagor. My mortgage payment history was reported to the credit bureaus from XX/XX/XXXX until XX/XX/XXXX, during and after the discharge of my co-borrower 's bankruptcy. I advised that I am not a party of the bankruptcy and have no other joint debt obligations with my co-borrower who is my sibling. My mortgage company advised me the only way to get the mortgage payment history reported to the credit bureaus is to either refinance or have my co-borrower reaffirm the debt with the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRY has violated my rights . Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: FL
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX Balance Owed : {$4600.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Byrider Franchising, LLC
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CNAC attempted to contact me regarding my brother XXXX XXXX 's debt on XX/XX/XXXX. They told me that he had a debt and that it was for a car before asking me for his current number, which they already have and have spoken to him multiple times in the past few months. It was illegal for them to contact me when they had his contact, and it was illegal for them to release details about his debt. I told them I did not authorize them to continue calling me and to remove my number, which they claimed they did. 

Nevertheless, I received a call from CNAC on XX/XX/XXXX, in which they again revealed illegal details about a debt to a third party and during which they threatened that they could call me as many times as they wanted and I could not deauthorize them for any reason. 

They then provided false statements to CFBP, lying to a federal agency about the very existence of the harrassing call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: LA
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:
PLEASE SEE PROOF ATTACHED! 



I am writing to file a formal complaint against Equifax for inadequate investigation practices and violations of the Fair Credit Reporting Act ( FCRA ) concerning the fraudulent accounts on my credit report. My name is XXXX XXXX XXXX, and my complaint is outlined as follows : Background : I have been in dispute with Equifax regarding fraudulent accounts since XX/XX/2023, and despite multiple requests for validation, the inaccurate information remains on my credit report. Equifax was suppose to show me exactly the proof how they checked things, give exact details that the debt collectors shared with them to confirm the accounts, who at Equifax talked to the debt collector, who was the person they talked to with the debt collector agency, and how Equifax made sure that the information from the debt collector was right and not made up. Equifax also had to explain how they made sure the debt collector 's records were correct. Lastly, Equifax should say how the debt collector confirmed that I'm the person they're talking about. Equifax failed to provide this information over a 6+ month span and did not comply with 15 USC 1681i ( a ) which states : Equifax must conduct a reasonable reinvestigation within 30 days of receiving a consumer 's dispute notice.

Violations and Disputes : Failure to Conduct Thorough and Timely Investigation : Despite my continuous requests for validation of the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} Equifax has failed to perform a thorough, proper, and legal investigation within the mandated time periods as per consumer laws. 

Penalties : 15 USC 1681o states that if EQUIFAX is found to have negligently violated any requirement under the FCRA, they may be liable for actual damages, attorney 's fees, and, in some cases, punitive damages.

Response and Continued Non-Compliance : Equifax 's response to my Consumer Financial Protection Bureau complaint dated XX/XX/2023, XX/XX/2023, XX/XX/2023 suggests that they have completed their investigation. However, the summary provided lacks transparency on the specifics of their investigation process and does not address the multiple instances of the same fraudulent account being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: CA
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:
This is my numerous 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, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
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:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, Transunion conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to transunion, the results were in fact that I did at one point have the account and XXXX updated the account as the balance was paid in full as per XXXX XXXX XXXX and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent XXXX would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.

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 2022-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Uplift, 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:
XX/XX/XXXX collection account was opened for {$1400.00} XX/XX/XXXX it was raised to {$2500.00} XX/XX/XXXX it was reported I never received any notice. I have never used this company for any service at all. I called the company multiple times to rectify it and have it removed from my report as this was not me and must be some sort of mistake. They refuse to do anything about it. The company name is uplift inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is 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 2021-12-16
Company: EQUIFAX, INC.
State: TX
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I HAVE WIRED AMOUNT OF XXXX US DOLLARS TO A PERSON VIA MONEYGRAM FOR THE PURPOSE OF BUYING A LAPTOP FROM HIM. 
HE RECEIVED THE MONEY FROM THE MONEYGRAM, AND WHEN ASKED HIM TO SHIP ME THE LAPTOP, HE STARTED MANIPULATING ME AND DECEIVING BY ASKING FOR MORE MONEY. 

I REALISED THAT HE IS MAKING A FRAUD, SO I CONTACTED THE COMPANY ( MONEYGRAM ) AND ASKED THEM TO FILE A COMPLAINT, AGAINST THEIR CLIENT ( BLACKLIST HIM OR TRACE HIM OR TRACK HIS TRANSACTIONS OR RLAY THESE INFORMATIONS TO THE CONCERNED AUTHORITY ). 

I REALISED THAT THEY WILL NOT DO ANY SERIOUS ACTIONS TO HELP AUTHORITIES CATCH THESE POEPLE AND PROTECT INNOCENT POEPLE FROM BEING TRAPPED BY THEM BEING MANIPULATED AND LOSE THEIR MONEY.. 

I ALSO MADE A COMPLAIN IN THE FBI SECTION AND I WILL INFORM THE LOCAL STATE FEDERAL AGENTS.

Company response to consumer: Closed with explanation