BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: MD
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 wrote and had notarized a signed letter and sent it via certified mail through the USPS to Equifax. The letter was received by Equifax on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. Three of these unverifiable accounts were deleted and three remain on my credit report. Two of three remaining unverifiable accounts that are listed, are Medical accounts therefore violating HIPAA laws as well as the FCRA. 
The letter also requested incorrect addresses be deleted. Those addresses were deleted, but on further review there is one additional incorrect addresses that need to be deleted. 
The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit consideration nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my old employers, deleting my wrong name per my request. 
To date I have Not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Equifax did mail me a response letter to the verification and demand letter I sent them dated XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by a company called Mr. Cooper ( www.mrcooper.com ). Its headquarter is in XXXX, TX. I have an escrow account with them. My homeowner insurance is with The XXXX and is going to be expired on XX/XX/2021. 

I contacted them couple of times before/on the expiration. They did not pay my insurance on time and almost cause me to lose my coverage. I have to pay it by myself on XX/XX/XXXX. I am a very vigilant consumer and always watch out my bill. Otherwise I don't even know my homeowner insurance hasn't been paid. At the mean time, I am very disappointed with Mr. Cooper. They told me they did not receive the latest bill from my insurance company. I don't accept this explanation. If they don't receive the latest bill from my insurance company, they should contact with the homeowner. Apparently, they did not have early warning set up in their system which could inform the homeowner of potential late payment of insurance / tax bill. Their service organization could be dysfunctional and could potentially become mess in next housing crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I happened to be looking on my credit report and saw different inquiries that I didnt recognize and I tried multiple times to report it as fraud to the credit company but they wouldnt allow it to go through and Im just really upset about this Im trying to get this fixed

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 2019-07-31
Company: EQUIFAX, INC.
State: FL
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:
This is the second time my information was used in Equifaxs  data breaches. This will be a legal action, if Im not compensated for my information being prior exposed in XXXX and also in XXXX, XXXX for yet another data breach. I have previously disputed fraudulent/ unauthorized hard inquiries and accounts with Equifax XXXX I am a dissatisfied consumer and have previously added a a security alert on my credit report due to fraud. All of this has been a nightmare, has been an inconvenience and definitely has limited my trust with the credit bureaus. Tax dollars are being used to provide to credit bureaus so consumers information such as social security numbers, addresses, phone numbers, names, DOB and employer information can be protected. I am requesting for Equifax to give me peace of mind for all of the stress and previous disputes they have received by me or legal action with be conducted. Please see document below which I am affected by another data breach in XXXX from Equifax. I refuse to send any personal information/ documents via mail as this is how personal information is stolen. I am a displeased consumer who should receive a settlement for prior disputes, all inconveniences, data breaches that have exposed my information throughout the Web and across the world to unknown people and sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied for state job at the post office and was asked to provide a fee for applying and to submit application. The information returned voided. XX/XX/2021. I did not receive the fee after applying to the job nor any official email. I found out this was not the actual company that was intended for me to apply.

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 2023-08-18
Company: EQUIFAX, INC.
State: PA
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:
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. 

The following accounts have violated my rights : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 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 an 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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2023-04-13
Company: ENCORE CAPITAL GROUP INC.
State: NC
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 have been a victim of Identity theft. I have sent in FTC reports and Police reports but the results of the investigation has been verified. I need these collections validated. I have no knowledge of XXXX XXXX XXXX XXXX, OR MIDLAND CREDIT MANAGEMENT. I have no debt with these companies nor the companies they represent. No one has been able to provide me with a contract verifying the stated debt. Please have it removed immediately. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: A & E Futures LLC
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: Account information incorrect

Complaint:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX  or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage has repeatedly improperly denied me for a loan modification. I have applied for a loan modification several times and each time I supported my application with financial documentation. On at least three occasions, I was only considered for two programsthe Helping Homeowners Modification, which I am apparently ineligible for because my account is greater than 90 days delinquent, and I was also reviewed for and denied for a streamlined modification even though I submitted financial documentation. It doesnt appear that PHH Mortgage even reviewed any of my income documentation, which shows that I can now afford to continue making payments. I would like to save my home and PHH Mortgage is refusing to work with me. I am submitting the denial letters that I received ( most recently dated XX/XX/2022 and XX/XX/2022 ) which mention that I was only reviewed for those two modification programs and show that PHH Mortgage did not consider my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXXXXXX XXXX XXXX XXXX Please note that Equifax has the Ally Account showing 60 day late payment XXXX XXXX Then other 60 day late payments for the following months sequentially : XXXX, XXXX, XXXX, and XXXX. This is clearly not possible and and inaccurate information provided by XXXX. Notice they tried to say I owe XXXX more on the original lease amount of XXXX. After I called out these errors Equifax changed the status to closed, paid as agreed then reported it as XXXX percent paid in full with now only 4 30 day late payments. Clearly this account should be deleted due to the constant errors and deceptive tactics used by XXXXXXXX XXXX, and the FCRA laws that prevent Credit Reporting Companies from reporting late payments for the COVID Emergency time period. 
Ally can not be trusted, please delete the account entirely. I never want anything to do with them again. 

XXXX is reporting that XXXX is saying the original balance is XXXX! and that I owe XXXX when I only paid the XXXX as agreed. The math is even wrong. That means they are telling them I paid XXXX to them. This is very false and inaccurate. XXXX also have XXXX 30 day late payments with one in XXXX and now the 4 sequential one are showing up in XXXX instead of XXXX like XXXX reports to Equifax. I am exhausted with these lies and inconsistencies. Please just delete this account. You all have severely hurt my life with this false reporting. 

XXXX XXXX  is truly engaging in abusive practices and you are complicit in violating my rights by continuing to accept their lies and falsely reporting it as verified. Please delete this account immediately they are incapable of being fair and honest in their reporting. They intend to extort me, please stop enabling them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/XXXX Property taxes due. Notice sent directly to Citizens One. XXXX XX/XX/XXXX Loan Closed. ( Escrows were not netted ). 

XXXX XX/XX/XXXX received late notice from XXXX County. Property taxes were not paid and overdue. 

Amount due : {$2800.00} Late fees : XXXX Between XXXX XX/XX/XXXX and today, I and my mortgage broker have contacted Citizens several times ( More than 10 ) and get a different response every time. Was told to call back on XXXX XX/XX/XXXX and " if I had not received a check, they would over night me one. 

Mortgage Broker : XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX Called XXXX XX/XX/XXXX and all case info was gone. Like I never called. 

XXXX XX/XX/XXXX Broker called to get an update and I was told to NOT contact Citizens again. 

XXXX XX/XX/XXXX Called, Tried to prevent me from filing a complaint by not giving names or NMLS IDs. On hold for 35 min. Never connected me and got disconnected after being on the phone for 41 min. Call ending XXXX XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX Called to get update. Spend 47 min on the phone. Servicer refused to give me her ID or name and said that it was my current mortgage companies fault or the title company. Broker said that is 100 % not possible or accurate. Asked to speak to superior but she kept talking over me reciting something she was reading. I never got an answer or to speak to superior. 

Law says loan servicer is responsible for taxes till they are no longer servicing the loan. They did not pay the taxes when they were the servicer. 

No one has called, mailed, emailed me. No communication at all since my first call XX/XX/XXXX. 

I would like a check or wire for the taxes and the late fees : {$2800.00} Late fees {$610.00} * I am a XXXX XXXX XXXX XXXX in the XXXX of Virginia # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America charged me {$140.00} in overdraft fees, customer service agent claimed to be unable to reverse overdraft fees due to a maximum of five reversed overdraft fees in the past year. 

I cited extenuating circumstance, XXXX  XXXX XXXX trustee refusing to disburse, causing me problems since XXXX of XXXX. Again, denied. ( XX/XX/XXXX, XX/XX/XXXX ) XXXX negligence being investigated by XXXX  XXXX XXXX and XXXX County District attorney 's office. Therefore, impossible for Bank of America to be in the right. 

Somewhat of an air of hostility percieved when speaking to Bank of America start-ups had to ask for supervisor multiple times.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this Complaint to you today to remind you regarding my former CFPB Complaint requesting the removal of the fraudulent items off of my Credit File. I have read that under the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by law to remove any accounts and information from my Credit File as soon as possible. I have sent you a dispute letter last XX/XX/XXXX with complete attachments of my personal identifying documents as well as a copy of the FTC I received from the FTC. Please comply wit hthe Fair Credit Reporting Act section 605b, and have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX , XXXX, GA, XXXX XXXX XXXX XXXX , XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX  XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance {$95.00}. If you believe that the disputed items belong under my name, I request you to please send me copies of documents bearing my signature or any documents to support your claim that the disputed items are mine. In the absence of these documents, I would greatly appreciate you immediately removing the disputed items off of my Credit File.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2019-10-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax refused to update my contact information. I have requested several times by phone, mail, and fax to update my contact information. 
XXXX XXXX does not have physical locations to personally ID people to transfer service from one home to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
See document attached

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