BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is about tricks and techniques being used by a Mortgage Company to take away a piece of property occupy by an elderly man and XXXX children a girl XXXX years old and a boy XXXX years old after their mother passed away in XX/XX/2019. 

The type of problem that I am having is the Mortgage Company is charging some fees in advance without any research about how much money we have coming in the house which for years we have been participated in some programs and what the numbers are that's what they are, and after being giving us several payoffs, now they try to change their minds by forging numbers. 
And also try not to recognize me as the owner on the deed. After death of my wife which I have been always the payer for the Mortgage, now they are charging many junk fees by raising the Mortgage Payments and they told me that I am not authorize on the loan and also they don't want to accept payments from me and I have been paying for near 15 years. 
What happened They need to foreclose on us by forging numbers, jacking the balance of the loan, blocking my monthly payments, telling me that I am not Authorize on the Loan. many Documents I sent always come short. PHH Mortgage an Ocwen Mortgage Company. I just made a payment on they Website, they took down our page so we wouldn't be able to make payments so they can foreclose take our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: AL
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, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. Consumer Agencies : XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The Work Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 c. ( 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 informa tion, other than records of convictions of crimes which antidotes 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 The companies listed do not have my consent or authorization to report on my credit profile please remove in accordance to the consumer rights to privacy.

Being of XXXX XXXX XXXX I have been discriminated against due to XXXX resulting in the ability to only receive impartial vehicles loans personal loans as well as keeping negative information on my credit report that further impairs my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$400.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX Balance : {$400.00} . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was attempting have annual membership fees removed from a credit card and then canceling the card. After completing a payment to bring, what I thought was the balance to zero, they attempted to keep the account open and persuade me to stay with them by offering miles and additional membership perks I dont recall. 
When I turned down the offer they, went through the process of canceling the card. 

After completing the close questions. I asked so what happens to the membership fee now that we cancelled. I was told that because it was beyond 30 days I could not receive {$95.00} dollars back and if not paid it would incur late fees. Why was I not told this before canceling the card? I communicated to them this was the reason for the call. Why would I cancel the card in month 2 if I paid {$95.00} or knew I could not get it back? 

Then they told me there was nothing the rep could do and that I would receive a managers callback the next day. I did not hear from anyone for a week. Today when I called back in I was told an investigation into the matter would occur and it may or may not be successful and payment would still be due. How is this fair. I was with that company and maintained a line of credit for 24 years. I was insulted, tired of communication promises not being kept and made payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NY
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-07-31
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
There are a few accounts showing on my credit report that I believe could not be mine or are old and reoccurring with high balances that I'm not aware of. These accounts are : Community bank/Victoria secrets : ( XXXX... ) Showing a balance of {$1500.00}. This could not be mine. 

XXXX ( XXXX... ) Shows conflicted balances, {$1900.00} & {$3300.00} for the same account. This also I'd like to dispute. 

There are multiple closed accounts showing on my credit report from XXXX to present that I would like to be removed because I believe they're reflecting negatively and causing my scores to be low.Thank you in advance for any assistance. 

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 2021-07-20
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 I received a letter from the XXXX loan servicing center. The letter states that they received my complaints, but this is the first correspondence that I have received from SECU regarding the issue. The letter states that signatures on promissory notes match the signature on the license. The also state that public records show a change of address from XX/XX/XXXX. The did not provide copies of the promissory notes or license. The advised that I have a SECU account which is inaccurate. When my identity was stolen, the person who stole my identity also stole my license. The same person signed the promissory notes replicating the signature on the license. SECU also did not provide copies of the documents that they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MI
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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: JPMORGAN CHASE & CO.
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:
the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: PA
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've disputed already and information was updated but they have no records from XXXX then put a Charge off at the end of XXXX ... .. this is impacting my credit score. This account was paid in full ... .. I need the charge off to be corrected. My account was in great standing as long as I had the account.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
billing error on my credit report 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 2023-07-31
Company: JPMORGAN CHASE & CO.
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:
JP Morgan Chase Bank the information you are providing to the consumer reporting agencies is inaccurate and incorrect. This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. Your inaccurate reporting has caused substantial harm to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Foris DAX, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with the Crypto.com app last fall to invest small amounts into cryptocurrency. I only purchased cryptocurrencies with about half of the money I deposited into the account through a bank ACH transfer. As the U.S. dollars are sitting there unused, I decided to transfer them back and put them to better use. When I tried to transfer back, the only option was to provide my bank username and password to a third party that says it will make the transfer for Crypto.com. There should only be a need for the routing number and account number but they refuse to send my funds back unless I provide the third party with my bank username and password. As they refuse, I have now asked to close my account and return any proceeds to me by check through the mail. They refuse to do so and say the only way for me to get my money back is to provide the third party with my bank account log-in information. I have communicated clearly through their chat function and email as there is no phone number I can call. 
To be clear, this isn't a complaint about cryptocurrency investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I got a title loan at tittle max almost a year ago you never can pay on the loan u just have to pay it off then everyday you are late the fees pile up I have been paying XXXX plus dollars for XXXX  months on XXXX loan you have to pay the loan out in 30 days I got the loan in XXXX of 2022 here XXXX still paying I can sleep at night thing my vehicle will be gone I so worried I would like to have this cut down done I will never pay this off this was a horrible mistake now I stay i debt every month trying to pay

Company response to consumer: Closed with explanation