BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage took over servicing from Ocwen approximately six months ago and I have never ( 1 ) received a statement and an ( 2 ) escrow statement reflecting a current breakdown of principal, interest, insurance, and taxes. 

Furthermore, online payments have been setup since inception of the loan ( serviced through XXXX, XXXX and Ocwen ) and every month since PHH has taken over servicing they have canceled my online payment profile. Correspondence sent alerting me of this cancellation has indicated that I am in bankruptcy, which is completely inaccurate. One letter states, " per my request, direct payments have been discontinued. '' This too is 100 % false and inaccurate.

PHH has also rejected one online payment without reason. I was under the impression that it was " declined '' when, in fact, the bank account had more than sufficient funds. I was then forced to submit an online payment in order to avoid late fees. As far as I can tell, no fees were charged despite the warning that one-time online payments are subject to fees. 

What is more interesting, this online payment was accepted whereas past online payments with the exact same banking information were being cancelled every month, for reasons described above. It is not clear why they could accept this method of online payment but reject the payment when it was setup for monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-02-07
Company: Experian Information Solutions 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:
To whom it may concern, I made an uninformed decision on XX/XX/2015 when I entered into the consumer credit transaction with XXXX XXXX XXXX. 

I have been reviewing laws and my rights and I have read that according to 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is null and void. 

According to 15 USC 1602 ( k ), I did not receive a printed notice which clearly and conspicuously made it available to understand the meaning of the agreement.

Due to all these clear violations, I am demanding that these accounts are removed, and I am requesting monetary relief for each violation. If no resolution will come from this and I receive an automated response from either company, I will have no choice but to contact my local small claims court. 

Account in question : 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 2018-05-04
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX. is reporting an account which they claim I owe {$7100.00}. The rst attempt to resolve this matter was received via certied mail USPS ( XXXXXXXX ) on XX/XX/XXXX. I request validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. XXXX XXXX XXXX XXXX XXXX. responded with an itemized document, printout of original contract. As per FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill or itemized document does not constitute verication. Not only was validation not provided, the documents contained a copy of a XXXX Drivers License. This is beyond alarming especially being I never resided in the State of XXXX, which you can veried based on my address history on all three credit reports.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. Again, XXXX XXXX XXXX XXXX XXXX. responded with an itemized document this time containing my former State of XXXX  driver license.

Due to nature of this inaccuracy, and the detrimental effect to my ability to grow my XXXX XXXX XXXX, I have led a Small Claim Law Suit in the State of Georgia on XX/XX/XXXX in the amount of {$3000.00}. XXXX XXXX XXXX XXXX XXXX. should expect a 2nd Original serviced to their Registered Agent, XXXX XXXX XXXX XXXX, in XXXX County within the next seven business days.

Laws included in Suit : 1 ) FCRA Section 623 2 ) FCRA Section 605 ( c ) 3 ) FDCPA Section 809 ( b ) FTC opinion Letter Cass From XXXX  If XXXX XXXX XXXX XXXX XXXX fails to come to an amicable resolution or attempts to have a schedule court appearance moved, XXXX XXXX XXXX XXXX XXXX   must be advised of other potential laws broken : 4 ) Metro 2 Compliance 5 ) FCRA Part ( A ) ( 5 ) ( B ) ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America allowed someone to open an online account with my social security number twice. The bank has now reported it on my credit report after confirming it was fraud and my social security number is flagged. The 1st account was opened on XX/XX/2022 and the second was opened on XX/XX/2022. 
Bank of America allowed someone in Colorado to open an online banking account with my social. This happened twice in one week. After it was confirmed as fraud they sent the information to XXXX as a new account. None of the staff has been helpful or even understood the seriousness of identity theft and fraud. Both accounts were closed, but how do you allow someone to keep doing this on the same social security number?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2017-07-19
Company: SUNTRUST BANKS, INC.
State: NC
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 have credit inquiries in my credit report that I did n't authorize. I 've sent letters to some of the creditors and they still have n't remove the inquiry off my credit report. I also sent them a letter to prove to me that I authorize the inquiry on my credit report and I still have n't receive nothing.
The inquires are listed below.
1.   XXXX   XXXX   XXXX    XX/XX/XXXX  2.   XXXX   XXXX   XXXX   XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX 4. Suntrust Banks of FL  XX/XX/XXXX  5.  XXXX   XXXX   XXXX   XX/XX/XXXX  6  XXXX   XXXX   XXXX     XX/XX/XXXX 7 .   XXXX   XXXX    XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2022-07-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This Morning i woke up to a Hard inquiry from Capital one bank. I never applied for any forms of credit so Im not sure why there would be a hard inquiry on my account. Also i havent applied for any forms of credit because i been trying to clean and repair my credit. I called capital one as well as XXXX to report this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
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 have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Reporting company used your report improperly

Complaint:
The credit Bureaus are still reporting inaccurate information on my report and are not doing a proper investigation concerning my disputes. I sent a letter certified mail to the credit bureaus asking them to check everything reporting on my report was reporting 100 % correct. If the information is inaccurate, incomplete or can not be verified it must be deleted. 

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support Team, I am writing to you regarding the permanent limitation that was placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed by mistake, and I would like to submit a complaint to appeal this PayPal decision. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always complied with the terms and conditions of PayPal, and I have never engaged in any fraudulent or illegal activities. Therefore, I am confident that this limitation is a result of a misunderstanding or an error on PayPal 's part. 

Secondly, I would like to request PayPal to re-investigate my case thoroughly. I understand that PayPal has strict policies and procedures to protect its customers, and I respect and appreciate that. However, in my case, I strongly believe that the limitation was placed unfairly and unjustly. Therefore, I kindly request you to review my account again and consider restoring it if possible. 

In conclusion, I would like to thank you for your attention to this matter, and I look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or clarification. I hope that we can resolve this issue in a timely and amicable manner. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 no knowledge of this account, XXXX XXXX XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2019-11-25
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/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 XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please see items listed below : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXXk ( XX/XX/XXXX ) Please forward me any documentation providing proof I applied for credit with this creditor. If you cant provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called the collection agency and when attempting to work out a deal with them, they refused to accept an offer less than the principal balance and directed me to contact the originator of the debt to work out a settlement offer. Upon contacting the originator they said that they don't develop those sort of deals, but that I could pay the balance owed. I paid the balance owed to the originator. On XX/XX/2019 I saw the collection balance increased and called both offices to see what the issue was. For the originator, I am in good standing, and they sent the notice of payment to the collections office. Upon calling the collections office they accused me of avoiding paying the interest due to their office. I was misinformed by their office as to what my options actually are and the person I talked to on the phone was unhelpful and accusatory and threatened that the interest would not be written off despite me fulfilling my obligation to the originator, whom I believe still owned the debt.

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