BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
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:
Equifax, XXXX, and XXXX  has continuously and falsely verified this alleged account. XXXX, equifax and XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( synerprise ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID I was not employed when I was able and ready to return to work my only child was XXXX  in XXXX of 2021. The mortgage is held with PHH/ XXXX  dont understand the difference. When I was allowed to be in deferred status I requested every month to have the loan be process for a modification due to the fact that my son was XXXX  and he assisted me with my financial support. I was repeatedly informed that there was no need to start the process until the deferment period ended. ( The Loan is in my mothers name XXXX XXXX I am the POA have been for over 15 years ) I asked repeatedly if they were part of the California mortgage relief funding program I was lied to and was told yes. After the program was finally available in California I applied to my horrible surprise I was informed that I would not be able to receive help because PHH is not part of the program. 

Due to their on going deception I have lost valuable time to seek assistance to maintain my home. 

I have been a emotional wreck since the XXXX of my son which they are well aware of due to the fact I was asked to submit a statement. 
Why would PHH lie. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There is an old XXXX account showing on my Experian report that should have been removed. The date of default was XX/XX/XXXX, and it was sent to XXXX XXXX for Collection and then settled in XX/XX/XXXX and I have documentation of that transaction. I live in NY and it is my understanding that there is a 5 year purge rule for paid collections/charge offs. I have unsuccessfully tried to have it removed by calling Experian, XXXX, and XXXX XXXX. A couple of days ago XXXX dropped off my report, but the XXXX is still showing.

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 2018-12-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A collection account has reappeared on my credit report after previous being disputed and removed account has reappeared with another collection company name I have never had any contact, communication or contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank had an " upgrade '' in XXXX which resulted in many issues that they didn't anticipate & much more than they could handle. For over 2 wks I wasn't able to review my transactions. For months I was missing rewards points. But above all this, I made a payment my regular way via online bank payment on XX/XX/XXXX in the amt of {$6100.00}. I have been a customer since XXXX and pay my entire balance every month. Comenity still has not credited this amt to my acct. They have charged late payments to my acct & interest. 

I 1st called on XX/XX/XXXX and was told to follow up on XX/XX/XXXX. I sent email on XX/XX/XXXX & received a response on XX/XX/XXXX ( see attached ) I called again on XX/XX/XXXX & sent email as no timeline could be provided & received response XX/XX/XXXX that they can confirm dispute filed XX/XX/XXXX however resolutions may take up to 90 days ( see attached ). 

I called on XX/XX/XXXX and was told my payment went to an old acct # ( prior to the upgrade old acct # s got mapped to the current acct # therefore in the past never had this problem ). I sent email on XX/XX/XXXX with info including trace # from my bank. I received a response XX/XX/XXXX that they will not report me as delinquent & may take up to 90 calendar days. ( see attached email & bank info ) There have been multiple calls by my husband & I along with multiple secure messages that I was encouraged to send. 

At the end of XXXX Comenity requested an Electronic Transmittal Form from my bank. 

I sent on XX/XX/XXXX ( see attached email & Electronic Transmittal Form ) I called XX/XX/XXXX and they can not provide my any further info or a timeline & suggested that I write a ltr.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Several written requests were sent to this company demanding hippa release, proof of license to collect in my state, proof that alleged debts are transferable etc. No reply was ever received. Further more, debts have exceeded statute of limitations but collector Keeps ILLEGALLY resetting the date. Original accounts are over 7 years old. They refuse to delete from my credit report and refuse to provide requested information. Letter was sent over 90 days ago with no reply. Proof of written request attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Account information incorrect

Complaint:
My XXXX credit account shows incorrect information listed. This ACCOUNT is PAID in full. please REMOVE this account from my CREDIT REPORTS

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 2022-04-21
Company: EQUIFAX, INC.
State: NJ
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 the following Accounts, has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the following Accounts, has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2021-10-10
Company: EQUIFAX, INC.
State: IL
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 filed a dispute for 4 accounts that were not correct on my credit report. The dispute stated that the accounts were verified so I asked for a method of verification. Instead of providing me with a method of verification, they opened another dispute which resulted in the same conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: AL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$740.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-06-21
Company: EQUIFAX, 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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX & XXXX XXXX XXXX - XXXX. 
XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Other FCRA laws I have found to be violated : 15 USC 1681e ( b ) 15 USC 1692c 15 USC 1692j 15 USC 1681a ( 2 ) ( b ) 2021 IRS Publication 4681 15 USC 1666b 15 USC 1681a ( 2 ) ( a ) ( i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I reached out to someone concerning the purchase of some perfumes. I paid through cashapp and never received my items. I have attached text messages showing me requesting my items and my funds back. I also requested a refund through my bank, XXXX XXXX, and it was initially disputed and the funds was returned but the claim was denied on XX/XX/XXXX and the funds were taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, my escrow account was RE-evaluated. In that, the mortgage company added in an estimate for insurance they would be paying on my behalf, in violation of the closing documents. This caused my escrow payment to increase, as well as my mortgage payment. I called the first week of XXXX when I received the letter informing me of the increase, and was told ( on a recorded-by-them line ) that I was going to have to ask my insurance company for a refund because the mortgage company was absolutely going to buy insurance on my behalf. I then spoke to the insurance department who stated they had no record of me carrying insurance ( despite documentation of policies and coverage being included at closing ). I submitted copies of all policies to all 3 email addresses provided me, with no response. I called my insurance broker to inquire if they had been in contact with the mortgage company, and they provided a list of dates where the mortgage company had reached out and they had responded with documents. They also resubmitted all documents for all policies. I called the mortgage company again today, and the escrow department stated they showed no insurance coverage, so they transferred me to the insurance department who was confused because they see sufficient current coverage through 2024. So back to the Escrow department, where they can now see the coverage and the incorrect impounding for insurance coverage. The escrow department proceeds to tell me that everything we can do to correct this error for you has already been done, but for some reason it hasnt changed. There is a system issue causing a problem. The escrow department then suggested I log into the website and open a complaint on the contact us section, and upload any supporting documentation I have that would help them resolve the issue. 
Meanwhile, I am being asked to *pay more into their accounts than I contractually have to* because of a system error that they can not resolve, with the only remedy available to me is to resubmit everything they already have in their possession and have determined is in order, so they can research this further. 
To recap, they are demanding more money than they rightfully can per the closing documents ; they have investigated and determined that they are in the wrong, and they should not be doing this, per documentation in their possession ; the only remedy available is for *Me* to re-submit all supporting documentation of their error so it can be investigated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, Diversified Consultants Inc was in receipt of a letter I sent via USPS certified mail with receipt in reference to a tradeline item listed on my credit report under the company 's name regarding an alleged debt to XXXX. This letter requested verification and documentation of the debt from the original creditor including account numbers, amount owed, when the debt was obtained by Diversified Consultants and if they obtained this debt from a separate collection company. Requested was proof of the last billing statement originally sent by the original creditor, fee statements, if there had been any changes or adjustments since the last billing statement from the original creditor. Also requested was proof that Diversified Consultants is  was licensed in the State of Illinois under the Illinois Department of Professional Regulations as their company is located in XXXX, Florida ; a copy of the agreement with the original creditor ( XXXX ) showing proof they are legally authorized to attempt to collect the debt for XXXX ; and the amount the debt was purchased for, if they owned the debt. 

Diversified Consultants responded on XX/XX/XXXX via USPS First Class mail with the attached letter and copy of statement from XXXX as proof of the owed debt. 

Upon review of the letter and included statement, it was observed that the statement amounts listed owed, as verified proof and the letter sent by Diversified Consultants does not match. As no proof of changes to the debt amount had been sent as requested, this is a misrepresentation of the total debt amount owed and invalid proof of debt as there was not current verification of said debt with the original creditor, which would have provided accurate statement amounts. 

On XX/XX/XXXX, upon direct communication with XXXX, the original creditor, it was verified that the statement sent as valid proof by Diversified Consultants was in fact invalid and did not match the company 's records. 

All the above facts prove that Diversified Consultants misrepresented the debt entirely, including the total amount owed ; the validity of the debt ; that they verified the debt ; and that they had legal ownership of the debt to collect on it as a representative of XXXX as evidence of assignment, and that they are legally able to operate in the State of Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXX 's payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXX 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

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