BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: U.S. BANCORP
State: MN
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:
XXXX continues to report information i have proven is fraudulent and illegal. 

15 usc 1681 requires reporting agencies to do maximum due diligence that is clearly being neglected The Electronic Fund Transfer Act ( EFTA ) : This law establishes the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers. Under the EFTA, consumers have the right to stop payment on a preauthorized electronic fund transfer by notifying the financial institution before the scheduled transfer date. 

The Fair Credit Reporting Act ( FCRA ) : This law governs the collection, dissemination, and use of consumer credit information. Under the FCRA, consumers have the right to dispute inaccurate or incomplete information contained in their credit reports, and to request that inaccurate information be corrected or removed. 

The Consumer Financial Protection Act ( CFPA ) : This law prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. If a company continues to use your financial information without your permission, they may be engaging in an abusive or deceptive practice, which would be a violation of the CFPA.

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 2021-12-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with PHH Mortgage. This loan was in my name and my ex husband 's name. During our divorce the title was signed over to me, but his name remained on the loan because the house was underwater and I could not get his name removed or refinance the loan. There was an impounds account for the taxes and insurance. When the home sold, there was a balance of {$6000.00} owed to me from this impounds account. I received a check for this amount made out to my ex husband and myself. I was unable to cash this check as it is a two party check and we do not share a bank account anymore. I called PHH and was told that I would receive a check made out in my name only as PHH had a copy of the divorce decree and the transfer of title signed by my ex when he signed the house over to me. 

I never received this check and called again. Once again I was told that they had the information they needed to issue a check in my name only. Another month went by and I called PHH again. I was told I need to get my ex husband to write a letter to them releasing the funds to me and he has to have it notarized. I have never received any communication from PHH on this matter at all. They have had my money for over 3 months now. The home sold in XXXX and I am being told that they will research it and get back to me. Because of the holiday it will be another couple of weeks before they said they will call me back. I was not even given the address to send in a letter to. This is not a priority for my ex husband and we do not have a good relationship, I do not know if I will be able to get him to write a letter and get it notarized. He shouldn't have to do that anyway. There are legal documents showing that the home was signed over to me in the divorce. PHH has all of these documents on file. They even have documentation showing that my ex was very difficult when I was trying to work out a loan modification a few years ago. 

I fail to see how a notarized letter from my ex would supersede court documents showing that the home was titled to me. The title company did not have an issue with the court documents and I received the proceeds from the sale with no issue. PHH has been holding my money and made no attempt to contact me or my ex in regards to these funds at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEMS is trying to send me a charge for an overdue cable bill, from 5 years ago, at which time we settled the bill. The charge is for 3 months after I moved out of the apartment - after the connection was disconnected. I disputed the same charge with a different collections agency 1yr ago and got it successfully removed, and now it is back again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have old items on my credit report that I would like to be updated and I have been reaching out to this company over and over to do so they continue to have old information that I no longer have access to on my report and I would like for the updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and 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 explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-03-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BANK ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Allied Servicing Corporation
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hey I'm have a problem with my loan company with missed information about an house me and my kids mom purchased. We purchased a rent to own house from a company in 2020 in XXXX paid down XXXX and XXXX a month.But found out it was a foreclosure home that we would've purchased cash now we are paying a mortgage for a house we could've bought they leading us in the blind about the house I have proof and papers to prove it I need help to see what going on because I'm not understanding what's going on missed info thanks for taking the time out for looking into my case.

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
Consumer complaint received 2023-08-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
So the company is Synchrony. I opened this credit card at the end of 2022, to pay monthly for furniture that I bought at Ashley Furniture. Since then I have been charged {$180.00} in total fees. My first statement was in XXXX for {$1700.00} With an added fee of {$29.00} and since then I have been charged anywhere from $ XXXX {$30.00} a month. I believe I originally called in XXXX to inquire about these fees. I thought they were late payments because my autopay was set to take the funds out of my account on the day my payment was due, but Synchrony informed me that it wasn't late fees or interest but a security fee? And I would have to take it up with a different agency. They gave me this phone number : XXXX. When I called today I spoke with a woman, I asked her to remove the charges and to stop future fee collection, she repeated my request back to me twice and I confirmed with her TWICE that is what I wanted to happen and she said " You didn't know about the program? '' I said, " what program? '' She then said she was going to put me on hold and speak to someone ... when she came back on the phone she was very formal and basically told me she 'did n't have to information for me and that I would be contacted in 3-5 days '. I said to her, " You just told me that I am enrolled in a program and now you do not have the information for me? '' She apologized and said there was nothing she could do. So now I am in this 3-5 day waiting 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 monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
I Disputed this with XXXX and XXXX explaining this fraud and not my account It was removed now it came back on my credit report. I don't have any bill 's or knowledge of this account it's from Comenity Bank XXXXCompany name Avenue balances amount XXXX. I use to have a Avenue account with Avenue for 10 year 's it close in 2020 balances ending {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

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 2023-11-11
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX # XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received no information in writing from this business. I logged in to check my credit report on XXXX and noticed a derogatory remark from Nationwide Credit & Co. 

When I attempted to call the number listed at XXXX XXXX XXXX for Nationwide Credit & Co, it is disconnected. I asked XXXX  to verify the debt and they updated the file as from XXXX XXXX, XXXX TX online but provided no other details. I believe this to be a debt I have been paying regularly since XX/XX/2020 without missing a monthly payment, but I never received a letter or bill from the hospital or from Nationwide, nor did I recieve a call. The credit report does not list any payments which I've made since XX/XX/2020 and I have had no attempts to collect from Nationwide or XXXX either. Nationwide Credit is at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETE. The Equifax credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
The following companies are reporting fraudulent opened accounts that were opened without my consent or knowledge and I demand these accounts be removed or I will pursue legal action. Under the fair credit act section 609 I am protected. I have already filed a complaint with the XXXX XXXX XXXX and identity theft gov. 

XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX Us Dept of Education is reporting a fraudulent account that was opened on XX/XX/XXXX The best service company is reporting a fraudulent account that was opened on XXXX XXXX, XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account that was opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: DISCOVER BANK
State: CA
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 have contacted Discover multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere Discover decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, Discover decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of Discover for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that Discover was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. Discover from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.

Company response to consumer: Closed with explanation