BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: TN
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:
I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: LA
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:
sent letters out to XXXX, XXXX, and equifax. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AL
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:
XXXX  XXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX  inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX and my XXXX Credit card account from XXXX back has been charging me a late fee of XXXX a month and {$15.00} a month on my account when I paid the minimum every month no more then 7 to 14 days late on credit card account # XXXX XXXX XXXX XXXX. 

For the last 2 years I have as diagnosed with XXXX, I had an XXXX  on my XXXX XXXX XXXX XXXX XXXX XXXX. I also am along hauler from diagnosed XXXX XXXX. 

I asked them to help now that I went back to work and make {$65000.00} a year as a government investigator with XXXX. 

They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 Section 602 A. States I have the right to privacy. 

These addresses do not belong on my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX. Balance : {$150.00} XXXX XXXX XXXX XXXX .... Balance : {$100.00} XXXX XXXX XXXX CA XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bankruptcy XXXX Date Filed XXXX XXXX, 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 2022-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$52.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$24.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; 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 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 2020-03-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
From XX/XX/XXXX thru XX/XX/XXXX my wages where garnished by conserve in XXXX ny for a ny higher education debt. Upon completion of debt i overpaid XXXX dollars as well as XXXX mailed 2 additional checks for XXXX.and XXXX dollars. Totaling {$160.00} owed back to me. Ive called a few times to inquire about how i will recieve my overpaid funds back and also left.messages for information. They refuse to give an answer back. But these funds have reached conserve and they have my money. I want my money back IMMEDIATLY. This company dosent respond.to any communication. But they made money by charging fees. I am also demanding intrest at 9 % since XX/XX/XXXX as i had to pay a decadea worth.of intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XX/XX/XXXX I graduated from XXXX with a {$9000.00} loan. I was given a gift of {$2000.00} from my parents upon graduating which I put towards my loan bringing it to {$7000.00}. Myself and other colleagues where let go from our position due to downsizing and I requested an income based payment option. The person at Navient said they would lower my payments but failed to mention that {$2000.00} was going to be added to my principal. Also my payments from XX/XX/XXXX-XX/XX/XXXX was mismanaged as I was making payments on the interest alone and nothing was going towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
This is my second mortgage I have had it since I bought the property its only for the property during the pandemic I lost my job I did make as many payments as I could I applied for hamp program but they denied stating it was a heloc though it technically was taken out to purchase my property as we did not qualify for the home with only one loan. ( predatory lending ) anyway we were advised by the state to ask for a modification or a repayment or deferment over the course of a year. I tried to make payments the servicer said the lender would only accept the entire past due amount I am a XXXX XXXX  who cant lose their home I just want them to work with me they advertise repayment plans and help but when you ask they say no, all or none I am getting letters to foreclose please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX in XXXX XXXX Nevada. I was representing the buyer of property at XXXX XXXX XXXX, XXXX XXXX XXXX Nevada XXXX. I was made to suffer an Oppression at the hands of Nationstar Mortgage and their representative. ( 26 U.S. Code 7214 - Offenses by officers and employees of the United States ) On or about XXXX/XXXX/2016 XXXX XXXX XXXX, and NationStar Mortgage, working as an agent of the United States, on behalf of Nationstar, in settlement of a HAFA mortgage adjustment, and under the color and authority of this program, while full well knowing that as a real estate agent, I am compelled both legally and ethically to work in the best interests of my client, demanded that I accept a reduction in compensation to complete the above mentioned sale. Per his position it is assumed that he knew of my obligations to my client. He has by his action cost me a reduction in my compensation of more than {$1100.00}. I pray that you will demand that NationStar display their records of this transaction, compensate the real estate agents to the original contracted amount and find their answer for reducing the seller compensation by {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: AL
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:
Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is credit plus XXXX XXXX and XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX certified credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I submitted a complaint on XX/XX/23. PHH responded asking for proof of homeowners insurance during the period of XXXX. Documents were uploaded again on XX/XX/23, received notification my documents were processed via email on XX/XX/23. I checked the PHH payment portal and still shows the incorrect amount due to the added escrow account, the monthly mortgage should be {$2100.00}, which is the monthly amount I have been paying for the last 35 monthly payments. Please fix and correct it before next month 's payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX pull my credit on XX/XX/XXXX, XXXX resulting on a hard inquiry. 
I did NOT AUTHORIZE this and its now showing up on my credit. I think it maybe fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Two fraud charges made on my Google Pay account and were never removed when I reported these charges as fraud to Google. These charges were made on XX/XX/21 and XX/XX/21 and I was not refunded the {$270.00} and {$300.00}. I contacted Google after noticing these charges and no action has been taken to credit my account for these fraudulent charges. My bank card was removed from my Google Pay account and as of today no actions have been taken to reverse the fraudulent charges. The only actual purchases I made with Google Pay were the rental of two movies that cost {$2.00} and {$1.00}. After contacting Google they said my situation would be resolved by XX/XX/XXXX but I have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of XXXX XXXX I was sent a letter from SouthWest Credit Systems L.P. Stating I owed a debt of {$1500.00} represented by XXXX XXXX trying to collect a debt that was not owed at all. XXXX XXXX XXXX Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

So me knowing this I sent XXXX a letter stating this so Im guessing they XXXX my amount then sold it to southwest credit systems L.P . Which is not accredited to even collect in the state of pa. I will submit the info that shows theyre not a credited also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX tried to false include knowing the courts do not report you broke another l : Us Bankruptcy court & XXXX XXXX XXXX XXXX All Accounts included need to be removed

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 2022-12-16
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX the date of XX/XX/2022 I sent the CEO of Discover an email stating my complaints about being denied and was sent back a packet showing everytime that applied for credit and was denied showed so many diff reasons why I couldnt extend credit to them. I know my rights so in my letter I stated which laws they broke then also sent them a letter on XX/XX/2022 stating about what adverse actions that were takin violating my rightXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored when I sent this letter but when I sent that letter on XX/XX/2022 about punitive they sent me back a packet stating they have no violated any laws under there policy and there policy does not supersede federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the full amount owed of @ XXXX to Alexander Rose a collection agency for XXXX XXXX   XXXX. I was illegally forced out of my apartment by XXXX XXXX management and Alexander Rose agency and the XXXX XXXX management have refused to validate my dispute and only keep providing the same information over and over. I have made severAL attempts since XX/XX/2019 to have the debt amounts validated and I have not received a proper dispute answer. I have then asked Alexander Rose agency to remove the debt and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: WI
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:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy my Rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right To Privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
They have the documents already. I was sued by a debt collection atttorney on behalf of XXXX XXXX, who was a debt buyer. They initiated a lawsuit before Covid 19, but never answered or provided discovery in response to my attorney 's demands. According to the credit reporting law, if a debt buyer sues someone and then fails to demonstrate any proof - either that fact should be reported or the debt should not be listed on the credit report. XXXX and XXXX removed the company because it was not substantiated. Experian refuses to do so and also refuses to update the statement I submitted. " Customer disputes '' is not sufficient when a supposed creditor makes a claim, goes to the trouble of filing a lawsuit and then fails to answer or appear in the case that they brought. I submitted the same information to all the credit bureaus and Experian is the only one that is still listing it as accurate without details of what happened. It creates a false narrative and demonstrates that Experian is not impartial in the " credit reporting '' industry..

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