BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: Winona Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly called and texted me all stating that there is activity on my checking account and I need to call to get it taken care of. They stated in a complaint I filed to the Ohio Attorney General that they have sent me a letter regarding this but I have never received " said '' letter. I have complained that they are not identifying themselves as a debt collector which is federal law but it seems to be falling on deaf ears. I have at least XXXX voicemails as proof they have never once identified themselves as a debt collector they have just identified themselves as XXXX  XXXX or XXXX. One voicemail even includes my wifes ' name in it, which has never been done before. The most recent voicemail states that due to my failure to respond I need to call or have my attorney call before the end of business hours. I refuse to pay anything to anyone who is not identifying themselves as a debt collector. For the record, all of the time stamps on the multiple voicemails because I just found more have all been while I was at work and I am not allowed to have my phone on me or answer my phone unless I am at lunch which is after their business hours. I have tried looking them up to verify information they are giving me but they have no physical website. They are also not telling me the amount that is owed.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently acquired a copy of my credit report and discovered that my identity has been stolen, which has deeply alarmed me. At present, I am in the midst of purchasing a home for my family, and this unfortunate incident of identity theft has had a detrimental effect on my situation. Therefore, I kindly ask for your urgent assistance in removing these deceitful accounts from my credit report. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

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 2017-06-26
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:
In XXXX of 2017 a creditor by the name of XXXX XXXX XXXX XXXX appeared On my credit report. I disputed the account immediately with the credit burea as well as the company along with CFPB. CFPB case # XXXX. The debt was removed from my credit and a cease and desist order was placed. In XXXX of 2017 I noticed that the same debt appeared back into my credit report without any notification from the credit bureau or the creditor. I am asking that this debt be removed as it is not valid and am requesting proof of debt with signature. Also the credit bureau did not properly notify me that this debt would be placed back into my report as required per the FCRA.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter to the 3 Credit BureausXXXX XXXX, 2022 to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I'm including it again. 
XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$190.00}

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 2022-01-24
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  pulled a HARD inquiry without my consent, XXXX of XXXX they had my consent bur in their harassment of me they keep pulling hard inquiries damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX has reached out to these companies stating that I have no knowledge of these unknown fraudulent inaccurate negative accounts. I disputed these accounts and requested verification from these companies but they have failed to do a complete an investigation and provide me with any signed contracts, acknowledgements with my written consent, and any individuals names that were interviewed doing the investigation process. It is noted on both unknown fraudulent accounts that these items were disputed by consumer but meets requirement of the FCRA. XXXX, Transunion, and XXXX is ignoring and violating me as a consumer and did not complete a FAIR investigation within 30 days on my behalf which is a violation of my consumer rights. Before these credit monitoring services report any information by LAW they are supposed to make sure that they have my written consent and that anything reported on credit report is supposed to be XXXX Percent ACCURATE!!!! Each of theses credit monitoring services are reporting something different which is illegal. These unknown fraudulent negative accounts has caused my family and I embarrassment, financial hardships, and mental XXXX  due to being declined credit.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened kohls credit card on XX/XX/XXXX in which I did not open a kohls account it has a zero balance as of XX/XX/XXXX but I call company and told them to cancel and close account which I didnt open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: OH
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 have filed my complaint in XX/XX/2020 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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:
I am a natural person I am a living human being. I have rights under 15 USC 1681. Equifax is a governed by USC 1681. And they violated my rigths numerous of times. I demand the account 's below to be removed please because according to 15 USC 1681. I have rights to privacy and did not give Equifax permission to furnish these accounts thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, One West Bank sent me a HAMP package, informing me that I was qualified to receive all benefits of the program, as long as I send all documentation required and complied with the trial payments scheduled for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Please see attachment XXXX ) I sent all documentation required, and timely sent the XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I received a phone call from One West, informing me that they had denied my Hamp application. I said to the representative that the Hamp contract stated that if I sent all documentation and make my trial payments, the loan will become permanent modified by XX/XX/XXXX ( please see attachment XXXX, page XXXX ). The One West representative told me that even if I sent the three payments, they were denying HAMP to me, she also informed me that a letter with an explanation of the denial was going to be send. However, instead I received a letter of default of my trial payments. Although, I called and asked for an investigation of the phone call I received on XX/XX/XXXX, according to One West representatives there was no way to confirmed. On XX/XX/XXXX, I was served with a foreclosure lawsuit. One west never offered another foreclosure alternative, even that I was behind my payments three months only. Because a sale day was set, I hired an attorney to defend myself. The foreclosure attorney representing One West, was accused of bringing homeowners illegally to foreclosure by the Florida General Attorney, and was placed under investigation for long time. Also, Florida 's courts were extremely behind in foreclosure cases, time went by, years and years. All that time I repeatedly asked for an investigation on my case, but One West just ignored my requests. On XX/XX/XXXX my loan was sold to XXXX, and with being able to manage my account online, thanks to new technology. I found a log of phone calls and notes by One West Bank in XXXX 's web site. The phone call from XX/XX/XXXX that I have been referring to, is recorded there. ( Please see attachment XXXX, page XXXX ). According to One West Bank they were denying HAMP to me because they thought that the house was rented, which in fact, I was renting XXXX rooms at the time. All that One West Bank need it to do was request more information and prove of residency, which I would be able to supply without any problem. I contacted XXXX 's escalation department regarding this issue, but they complied that I should be contacting One west Bank not them. 
One west bank has taken away from me the chance to avoid foreclosure, the chance to have my loan modified by HAMP program. One West Bank has failed in their duty of care with my HAMP modification. One west is the reason I am losing my home. One West Bank has caused me a lot of harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 I transferred {$6000.00} from my US Bank account to my personal XXXX Savings account. 

US Bank sent the money and XXXX XXXX denied the funds and returned the funds. US Bank has kept the funds and not returned them to me. 

Us Bank says there's " nothing we can do '' despite the fact that they requested and received multiple refund notifications from XXXX XXXX. 

I just want my money back. I have called Us Bank over 30 times and each representative tells me something different. One says I have to wait while another says they will not refund the money and that I must get it from XXXX. 

XXXX XXXX does NOT have the money, never accepted the money, and provided proof of rejection of the funds. I have a PDF with their official statement as well. 

Attached is XXXXXXXX XXXX XXXX response which US Bank has said they never received ( despite me giving it to them 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. 

Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15.

You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, XXXX and TRANSUNION ) and request that the accounts be updated to reflect a positive status.

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 2023-05-02
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - I received a phone call from New American Funding ( XXXX ), but the caller terminated the connection without providing any information ( dead air ). I called back and was informed that NAF was reaching out to discuss FEMA disaster zone options ( the subject property is located in a FEMA disaster zone ). After learning more about the program, I declined the offer. However, the representative had already canceled my auto-payments without my authorization and was unable to fix the erroneous cancellation. 

XXXX - I checked my NAF portal and saw that the auto-payment was not processed ( explanation above ). At that time, I noticed the XXXX escrow analysis indicated that my payment would increase by approximately $ 200/month. After further review, I discovered that the XXXX escrow analysis used an inaccurate hazard insurance premium ( {$310.00} annual ), which caused NAF to issue an " overage refund '' since they felt the escrow account was overfunded. However, this was a negligent escrow analysis and NAF should have used the actual premium of approximately {$1700.00}. As a result of NAF 's failure to perform an accurate escrow analysis, my escrow account was underfunded during XXXX and my " new payment '' will increase from {$2100.00} to {$2300.00}. 

New American Funding is wholly responsible for performing an accurate annual escrow analysis, the results of which are relied upon by the consumer. NAF 's failure to perform an accurate analysis, combined with their unauthorized cancellation of my auto-pay, directly resulted in damages ( time ) and would likely have resulted in missed mortgage payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: PA
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:
My complaint is with Equifax scoring with XXXX points drop in my score. There is no rhyme or reason for for this astronomical drop in my score. There is no reason for Equifax or XXXX to drop my score. I have worked for years in getting my score to be good. This is preposterous and ruthless that Equifax would drop my score XXXX points. I'd like for CFPB challenge Equifax to challenge Equifax and XXXX XXXX XXXX for the unscrupulous and fraudulent charges on my account. I asked XXXX XXXX XXXX to give me some help because I ran into financial difficulty a few years ago. ACA, worked with me twice, then put my arrearages on the back of the loan. Since then, I've never been late. XXXX has extended my loan over XXXX year. 72 months was the original contract from 2016. I don't mind paying some penalties, but ACA to charge me {$3.00} penalty a day, is unequivocally fraudulent and ruthless. I want ACA to be investigated for fraud and for making attempts to ruin my credit. I've searched ACA on line and they are notorious for fraud and stealing from its customers. I will also report my concern to the, Federal Trade Commission in order to stop XXXX XXXX XXXX from hurting hard working customers like myself. Please, please stop this company from hurting honest and hard working Americans like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: FL
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:
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 XXXXXXXX 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 2018-10-02
Company: World Acceptance Corporation
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to WORLD FINANCE CORPORATION and all e credit bureaus. It is now XX/XX/2018. I sent the WORLD FINANCE CORPORATION and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation