BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me XXXX XXXX XXXX XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX ALLY FINANCIAL has accessed my credit report from both XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report. It is clear that someone else is trying to acquire some financial products using my information in a year period.

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 2019-05-02
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX I sent a letter to Experian disputing several accounts on my credit report asking them to verify the accounts. Experian sent me the results dated XX/XX/XXXX stating that all the accounts were verified. On XX/XX/XXXX I sent a second letter asking them how they verified these accounts and to provide me with the original documentation of these accounts that they verified. I received a response from Experian stating that they have previously processed the dispute, the grantor verified it's accuracy and they will not reinvestigate. I then sent out a third letter to Experian on XX/XX/XXXX informing them that the unverified accounts remained on my credit report and under the FCRA are required to have a copy of the original creditor 's documentation on file to verify that the information is mine and correct. I asked them who verified these accounts and they have not provided me any original documentation with my signature on it. I received two responses from Experian at the same time both dated XX/XX/XXXX. The first letter stated that they were unable to honor my recent request because I did not provide sufficient identification information for them to verify my identity or the information was not legible. Each letter I sent was notarized and I provided a copy of my state identification along with a copy of my social security card. The second letter stated that again they have previously processed the dispute and the grantor verified it's accuracy. I am received two different letters with contradicting responses.

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 2021-10-31
Company: Navient Solutions, LLC.
State: GA
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:
While my loans were serviced by Navient, I decided to consolidate my loans as I was already working for a government agency. The consolidation of the loans included a XXXX XXXX XXXX and Navient failed to educate and provide information regarding the negative effects of the consolidation including the XXXX. Currently, 20 % of my income is used to calculate my repayments. I will like to separate the XXXX XXXX XXXX from the consolidation loan so I can qualify for all the repayments programs available and lower my payments. This is what Navient intentionally failed to warn me about. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2019-05-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lost my wallet years ago and ever since I've had hardship in addition I am military I m trying to buy my first home and I am now more mindful of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased my condo in XX/XX/XXXX and XXXX XXXX  bought my loan from my original lender. Then my loan was sold to Ocwen years later. I did a loan modification with Ocwen when the crash hit. After sending them documentation numerous times over MONTHS, they finally said it was all going through. I was getting a loan modification with principal forgiveness, or so I thought. The modification was done yrs ago and all this time I thought my loan modified according to the forgiveness terms of HAMP. 
After owning my property 20 years, I sold it this week. At closing I was informed that my loan payoff was $ XXXX+ AFTER 20 years of paying on the loan which began at {$150000.00}. But then came the real bombshell. I was told Ocwen added a {$35000.00} deferred principal balance to my payoff amount. This made my loan payoff at closing OVER THE AMOUNT of my original loan 20 years ago! I WAS MORTIFIED. 
When I called the Ocwen Ombudsman department to ask about it, I was told that I didnt actually get the [ principal forgiveness ] loan as indicated and what I was told I signed. The reason they gave was that they did not receive all the necessary documents from me! I SENT THEM MULTIPLE TIMES OVER SEVERAL MONTHS! 
Anyway, I have been the victim of predatory lending and I also believe Ocwen forged or robo-signed my documents. I am a paralegal and I would have NEVER agreed to a {$35000.00} deferred principal balance.. I need help to get my {$35000.00} back that I had to pay at closing this week. I am a single mother and this has been an unbelievably stressful situation. 
Thank U for any help U can give as I am aware of the suit filed against Ocwen in XX/XX/XXXX and I want to know if my loan can be included in this recovery effort. Thank U in advance for your help in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 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 explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This account was closed without my authorization. It had two names on the account. The other person closed our account without asking me. And took the funds.

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 2021-12-02
Company: EQUIFAX, 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 already my 2nd attempt to fix this issue with your company. I already informed you that my Identity got stolen I am a victim of Identity theft and I have no knowledge of whoever that could be. I am submitting my ID, FTC report and Identity theft affidavit to prove my Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting my complaint again for you to notify about some incorrect informations on my file that are need to dispute but no one seems to care regarding this matter. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. I need the following items be removed immediately on my credit file : XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : 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 ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  : XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2020-11-12
Company: Bread Financial Holdings, Inc.
State: MI
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:
I Contacted Comentiy XXXX XXXX on several occasions regarding an account that had went delinquent XX/XX/2020. I explained to XXXX XXXX why my payment was late. The last time was by mail I explained that I had to do an emergency move from my apartment due to high levels of mold inside and outside of the unit and had to stay in hotel for a month. XXXX XXXX rejected me and I never had an late payment prior to XX/XX/2020. I asked them to take in consideration that we were going through the pandemic on top of me having to find housing fast. Im still out of a place to stay because of the negative inquiry on my credit report. All payments are current at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: FIRST NATIONAL BANK OF OMAHA
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am retired fully on Social Security as my sole source of income. My deposit day with First National Bank of Omaha ( FNBO ) is the XXXX of the month. My funds ARE NOT in my account. 

I called into FNBO @ XXXXXXXX XXXX CDT as instructed by FNBO. I was told by their employee, XXXX, that the funds were in. They were not showing up in my online access to my account ( checking ). He transferred me to a Manager on Duty named, XXXX. XXXX instructed me to call Social Security Admn to obtain the FEDERAL TRACER ID # which I did. Social Security Admn informed me that the deposit advice had been sent to FNBO. I called FNBO back with the Federal Reserve Tracer ID #. FNBO informed me they lost my deposit. FNBO has no answers for me my rent is due ; I can not buy my prescription medication ; I can not pay some other mandatory bills as well.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C 1681 Accounts # XXXX XXXX account resolution 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 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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 2022-12-30
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to remove : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
those items above are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: New Direction, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit line with XXXX XXXX XXXX ( https : //XXXX  ). I enrolled the balance into a debt relief program New Direction ( https : //nddebtrelief.com ) which forced the debt to go into collection and later on sold to XXXX XXXX XXXX - XXXX XXXX XXXX. New Direction has reached a settlement a agreement with XXXX and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX  and they asked for New Direction to contact XXXX XXXX XXXX at ( XXXX ). I contacted New Direction but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation