BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Avant Credit Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I sent countless of forms of correspondence to credit bureaus and to Avant that this account is not mines. This account was open in XXXX and closed in XXXX. I have been battling this issue for years. I have requested documents to proved this accounts belongs to me and they only provided a billing statement. I requested signed documents requesting this accounts to be open and Avant provided a billing statement. I requested identification of the person who open this account, so I can filed a proper non emergency police report and Avant once again provided a billing statement. To make matters, since XXXX they have be reporting on closed unauthorized account damaging my credit scores. When I sought out legal advice, I was informed to place a complaint with CFPB, before administratively moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Click n' Close, Inc.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received a delinquent notice from my county treasurer 's office, indicating my second escrowed tax payment ( due in late XXXX ) has not been received from the mortgage company. The amount due is XXXX. We have not paid on time in the nearly seven years we've had the motrgage- we've paid EARLY every month. I called the mortgage company and was told it was paid. Multiple calls back and forth since and no resolution as of XXXX XXXX XXXX XXXX XX/XX/XXXX, The mortgage company informed me the payment that was due in XXXX was sent to the treasurer 's office in XXXX, XXXX ( several months late ), yet nothing has been received in the county tax office. This is the second time we've had issues with Click 'n Close Mortgage ( formerly known as Mid-America ) escrow department since XXXX. Property taxes for the next year will be coming soon as will our homeowner 's renewal. I have XXXX trust of confidence in this mortgage company 's ability to fulfill its fiduciary responsibilities. XXXX the county tax office advised we are not the only person in our county who has escrow issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with PayPal credit and I made XXXX payments, {$300.00} on XX/XX/XXXX and {$840.00} on XX/XX/XXXX. Then I received an email stating my account was part due. Thats when I discovered I made the payments to the wrong account. I called PayPal credit and they said if I proved the payment was made, they would credit my account. So the bank did that, XXXX times now. On XX/XX/XXXX, I made the payments again {$300.00} and {$840.00} to avoid fees and charges. It has been XXXX months now and the bank has given all information to PayPal credit they requested XXXX times. They assured me I would get a refund but instead of tracing the payment by the trace number, they are using the amount abs they keep finding the XXXX ones because its in the correct account. They provided a phone number to call but its a number that keeps saying they are closed no matter what day and time you call.

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 2018-02-02
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I received an approval for a trial period loan modification. I signed the form and returned the document on XX/XX/XXXX. 

I am filing this complalint because as many home owners this loan servicer is not applying the payments correctly. The payment was due on XX/XX/XXXX. According to the documents the 1 trial period loan payment needed to be received by the last day of the month. 

Well I did my part, paid XXXX XXXX URGENT delivery for the same day for OCWEN to collect the funds. OCWEN LOAN SERVICING BROKE MY AGREEMENT. According to the automated system Ocwen applied my first trial payment on XX/XX/XXXX. 

Ocwen needs to be investigated and shut down. DID I KNOW THIS WOULD HAPPEN AGAIN, XXXX. This information needs to be forwarded to the investor of my mortgage as well to show that OCWEN is XXXX UP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi good afternoon I ' ve been trying to reach out to someone for bout two weeks now my phone has been damaged an my account for the cash app has gotten messed up. its been two accounts that has been involved with XXXX. the first name on the account was XXXX XXXX XXXX XXXX XXXX sent me the XXXX amount on my account card beginning in XXXX cvv XXXX an i sent in of thev same card XXXX to make it add up XXXX the cash out button obviously didn't work so I couldn't cash out an my phone felled in the washer an now my money is stuck on cash app an the second on the account is XXXX same account buit email XXXX BUT NO ANSWER AN I DONT HAVE A PHONE BUT WHEN I CALL FROM OTHERS NO CALL BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - late closed- 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 2018-05-08
Company: AFNI INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with XXXX around XXXX XXXX central standard time, and requested this account XXXX be placed in dispute status pending further investigation into unlawful charges by XXXX XXXX XXXX XXXX under section 201 ( b ) of the 1934 Communications Act that makes this unlawful for a common carrier. Your attempt to collect this debt is being reported to CFPB, I request arbitration with XXXX in the amount of {$10000.00} for this matter. You have ruined my credit report by preventing a low income individual, and minority business from obtaining, and securing funds needed to maintain business overhead cost. Under the commissions rules I can pursue action with the FCC, or in district federal court to collect damages to my small business. I signed up for a {$99.00} promotion, and agreed to pay {$52.00} per month, yet my initial bill was around {$600.00} plus. Furthermore after one month you add a disconnection fee of {$600.00}, when I should only owe {$150.00} plus tax for the first month. You have unlawfully breached my contract by cramming additional charges onto my XXXX XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 

IMMIDIATE ACTION IS REQUIRED

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 2023-06-26
Company: EQUIFAX, 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:
Since XX/XX/2023, I've sent several letters to Equifax Information Services LLC  about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA  XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX  case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: First National Collection Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call. The individual was asking for my full name, social security number and address. The individual stated that they were calling on behalf of national collection buruae. They were going by a different name which I submitted a complaint on due to the fact that they attempted to contact me multiple times. After I stated clearly that I do not want to be contacted by them because I have no business with them, the person calling attempted to instruct me to go to a website or call another number ( within their company ) to be removed from having communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
On XX/XX/XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me or respond in 30 days so I am demanding they remove the " unverified '' information.

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 2023-07-27
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I need a description of the specific forbearance or deferment periods, and I request an account history from my servicer. You put me in deferment and forbearance for years which counts for the time I have to get rid of this loan. I need an exact count of how many years I have toward forgiveness. Last year I also took classes in real estate and received a certificate. You have all the paperwork in your records that I sent you and probably more you havent sent me. I have a borrower 's defense and a forgery accusation out right now and I am in forbearance until 2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, I made an ATM withdrawl. I requested {$200.00}, a mix of {$50.00} 's and {$20.00} 's. The machine dispensed two {$50.00} bills. Because the branch was not open yet, I called Wells Fargo and started a claim. The claim was denied. I then went into the branch and filed an " escalated claim '', which was also denied.

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 2022-04-16
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In u.s.c 1681 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 2021-05-05
Company: EQUIFAX, INC.
State: MA
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 a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

, Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX, Account name : XXXX XXXXXXXX XXXX Account : 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 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 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 2022-12-06
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported balance XXXX XXXX XXXX  Last reported XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing DEPT OF EDXXXX Reported XXXX XXXX XXXX, XXXX - {$3500.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing DEPT OF EDXXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing DEPT OF ED/XXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$0.00} Closed

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 2022-06-11
Company: Experian Information Solutions Inc.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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. 
XXXX # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX  {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed

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