BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-11-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report on Equifax was built with ITIN number. 
A couple months ago I got my SSN number with SSA. I've changed my SSN number with all credit card companies, but the SSN number on my Equifax credit report is still incorrect.

It has caused me a LOT of troubles, including denied credit card application. I'm also unable to pull my 3-bureau credit report due to incorrect data in my equifax report .

I tried to file a couple of disputes with Equifax. Since I'm not a XXXX XXXX in the US, my SSN card have " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '' on it. But it was still considered as a valid SSN card by SSA. XXXX XXXX XXXX XXXX ) But they responsed with " THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. ", which is completely nonsense as they are valid social security number and they will never change throughout my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( i ) Late payment 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1692e false or misleading representation Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-05
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a PSLF issue with MOHELA and the Department of Education. Both know that the payment count on the subsidized and unsubsidized parts of my consolidated loan should match, which they do not. I have been told to file a reconsideration request to get it resolved on XXXX, which I did. The problem is that my 120th payment is in 3 months and the last time I filed a reconsideration request it took 4 months to be recognized. I would like this fixed as soon as possible. The missing months are XXXX through XXXX of 2009. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The complaint is with Equifax. Tried to get it closed it has reached statute of limitations 7 years. XXXX  and XXXX  has moved it from my credit report. So I'm wondering why Equifax has not moved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My financial hardship started on XX/XX/2018. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan  modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.

We are requesting for PHH / Ocwen Financial Services to review our financial application using correct property value and income for a loan modification or a short sale and stop the unlawful foreclosure procedures. We reserve the right to take legal action against PHH / Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I had submitted a dispute to XXXX  and upon XXXX  investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my Macys/Citibank , N.A. account on my credit report especially when this account is a Charged off account. But XXXX has put it as a satisfactory account which it is not. XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Macys/Citibank , N.A.about this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.

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 2021-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC ( INC ) /XXXX XXXX XXXX , XXXX is attempting to collect a debt not owed for many reasons. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private XXXX. 

Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged balance is not reported correctly on my Consumer Report. See attachments.

2. The alleged balance must be reported to the United States for collection of the obligation [ per 18 USC 8 ], not to me.

3. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress.

4. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with Portfolio Recovery Associates, LLC ( INC ) for any reasons. This is an official notice to cease and desist collection, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports.

Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was charged {$470.00} by XXXX XXXX for a XXXX subscription I never authorized or do I even use you tube my son used my card with out my permission

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 2023-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Getting denied at banks after bank of America which they froze my account with no explanation

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/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 XXXXXX/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 non-monetary relief
Consumer complaint received 2020-11-06
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:
i tried sending my personal Information to XX/XX/XXXX as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by XXXX immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for an XXXX XXXX card, online, to buy a ticket. I was approved on XX/XX/ online, and received email confirmation, and then went to purchase a ticket online. There were problems with the server and I had to reach out by phone to, XXXX XXXX and XXXX XXXX complete the purchase. I was told I had a credit under my name. The credit was from a ticket purchased by another individual under my name. I was scheduled to use my ticket onXX/XX/XXXX. I had to cancel the flight on the XX/XX/XXXX. I was told I had until the twenty seventh of that month and this year to use my cancelled ticket or loose all benefits of that purchase because it was a 're-ticket from someone else purchase, under my name. I was shocked and said that I had all paperwork on my purchased non-refundable ticket and there was no langue or disclosures or ticket numbers to assert the claim they, XXXX XXXX, were making. I called my credit card company and opened a dispute for fraud and misleading information on or about XX/XX/. This was after several attempts to contact Citi Bank about the incident with XXXX XXXX with no response from them. They requested information with I sent showing and validating my verbal account of what transpired, issued a provisional credit only to Send out notification on XX/XX/2018 stating that the provisional credit was taken back because the " merchant did not accept my cancellation ' and I would have to call the merchant. Called XXXX XXXX XX/XX/2018 and they have cancelled the ticket and refused to send me copies and told me I could email their customer relations. Fraud, fraud, fraud. Please if you need more information I will provide it. Both of these companies have acted fraudulently and together but acted as separate.

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 2023-11-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It has come to my attention that my student loans with XXXX are past due. I have been receiving emails from them monthly stating my account balance is {$0.00} and in good standing. I then received a credit alert that the nelnet account is past due. I tried to login to their website on a daily basis for two weeks to see where the discrepancy is coming from. Im finally on the phone with the representative and they are telling me Im not even setup to receive electronic statements but as explained I do receive monthly statements from them. Unknown to me, they have only been sending statements for two out of the five accounts I have with them. I believe this is unfair because I rely on those statements monthly to make sure Im in good standing with XXXX. My credit has now been negatively affected because of this. The solution that the nelnet representative suggested is for me to opt out of paperless and then opt back in to paperless and hopefully that will correct the error.

Company response to consumer: Closed with explanation