BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: Experian Information Solutions 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:
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 report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-01
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: Information belongs to someone else

Complaint:
Transunion removed XXXX  off my credit report I filed the same thing wit XXXX  and XXXX  but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all

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 2019-06-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per my credit Report With XXXX, XXXX is reporting that this debt was included in chapter XXXX bankruptcy but is listed as a charged off account with XXXX & Equifax. 
I have disputed this account with XXXX Multiple times and i also provided proof but per an XXXX  employee thay are going to agree with the Creditor no matter what I provide. This account needs to be updated and reflect the same resolution on all 3 credit reports or be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am qualified as the non-borrowing spouse on a HECM. My husband died XX/XX/XXXX. XX/XX/XXXX I submitted a letter of intent to remain in my house to PHH Mortgage. I have continued to call biweekly and sometimes twice a week to get a resolution on this request. Continually I am told, " It is in review ''. I have asked to speak to a supervisor and I am told " one is not available '' over and over again. 

On XX/XX/XXXX I received a letter from PHH Mortgage requesting documents. Many of the documents had already been submitted. All documents PHH has asked for have been submitted to them. 

Foreclosure notices began coming in the mail. Since I can not get a status update from PHH I panicked and I have applied for a payoff to avoid losing all the equity in my home. The last letter I received said my home will go into foreclosure XX/XX/XXXX. This does not give me enough time to properly get my home ready to show and sell. It takes several days to receive the payoff so by then I am really close to XX/XX/XXXX - 3 business days.

This has created so much undue stress on top of losing my husband. PHH 's unwillingness to help is unforgiveable. Making me wait 7 months is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: WA
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 use XXXX XXXX to get my credit reports through, and my Equifax report showed that I had 3 payments NOT received this month for XXXX XXXX. I am a XXXX XXXX. ( XX/XX/19 called ALL DAY waiting for call backs ) ) and I am on XXXX ( Mental health XXXX etc. ) and my XXXX XXXX payments are paid monthly out of my check BEFORE I receive it. ( AUTOMATIC ) I contacted Child support and they said that they've received this months payments and I am NOT behind in any way on payments. They suggested I file a complaint through the reporting agencies web site and try to resolve it. 
I attempted to do this through Equifax, but for some reason, after looking up all the info online to verify my identity ( Security questions / Highly sensitive questions about balances etc. / personal information, and more information than I can even REMEMBER ) ) They wanted me to send them a copy of my birth certificate and drivers license. 

I checked TODAY on whether my data was breached through Equifax ( Recent judgment against them for security breach ) and found that my information WAS breached, so I filed for compensation and successfully completed that process. FUNNY how someone was able to get my information so easily, yet I can't even get through the front door of this company to just correct missed payment status on my report??? 

I called them 4 times, and each time I got the same run around, and asked for a supervisor after the 3rd time, and I still got the same exact questions ( Verbatim ) from what they tried to say was a SUPERVISOR : ( : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: MD
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 disputed 2 accounts through Equifax asking for validation of a debt. The debt was not validated to me with proof of debt belonging to myself, However, Equifax sent a copy of my report with the collection in question still reporting in the same manner as before i took action on the dispute. They stated that the dispute has been concluded but have not included any proof ( Signed documents, Original contract, Initial agreement, etc ) validating this being my debt. Both collection accounts are still reporting as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
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 items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXXXXXX. 

- XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX. 

- XXXX XXXX  XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy. 
15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/ XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Greetings, On XX/XX/XXXX, Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( Experian, XXXX, and XXXX ) will need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. By Law, The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. XXXX, XXXX and Experian does it time and time again! The XXXX major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. XXXX let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and XXXX hurt! In XXXX, it paid {$3.00} XXXX in restitution to harmed consumers, along with a {$2.00} XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, XXXX settled with the Federal Trade Commission, the CFPB and states for up to {$700.00} XXXX, to resolve allegations that it shared the information of XXXX XXXX consumers. With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the XXXX of XXXX, where there are several civil penalties that have occurred against myself and estate. Please see my XXXX letter attached.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
I currently have some accounts and inquiries appearing on 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 non-monetary relief
Consumer complaint received 2023-12-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting 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:
I received a denial letter for a XXXX XXXX XXXX account on XX/XX/XXXX. It is dated XX/XX/XXXX and comes from Chase Bank. 
I did not apply for this. I have no idea who did this using my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a credit card account with Barclay Bank, and I have been calling them since XXXX to speak with someone in regards to cancelling a transaction I did not approve. Just this week I had another transaction I did not approve. I have been trying to cancel the card since no one ever answers the phone. I have called them several dozen times and wait on hold and have never been responded to. I wait up to an hour at times and no answer. 

When I call Barclay Bank and enter my credit card number it says the credit card information is not recognized. I have tried several different Barclay phone numbers in hopes of getting in touch with someone, but it continues to lead to wasting my time and further frustration.

I tried to log in online to contact them and it won't allow me to. It has nothing to do with account information, password, etc. I know my accounts well. I have been trying all day so far even calling their regional offices and I even tried XXXX and XXXX to get someone. I am beyond frustrated and am worried about my account, but they just don't get back to you. I don't know what to do at this point I am dealing with a company with horrendous customer service and need assistance.

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 2020-07-09
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have collections on my credit report from CBE group through XXXX. The amount is for {$370.00}. This is a charge for equipment that was turned in back in XXXX! I contacted XXXX when I saw this on my credit report. The customer service rep agreed that the equipment was already returned to them. They called as a follow up to the situation and verified everything was returned to them. Two different customer service reps agreed that the equipment was returned. I really dont understand how this collections account is still on my report. This was XXXX mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: PA
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:
I currently have some fraudulent accounts and inquiries appearing on 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX  [ XXXX XXXX XXXX, ] [ XXXX XXXX XXXX, UT, XXXX ] To Whom It May Concern : I am writing to dispute the following unauthorized account on my credit report : * Account Number : [ XXXX ] * Account Name : [ XXXX XXXX  * ] * Date Opened : [ XX/XX/XXXX * * ] * Balance : [ {$1400.00} ] I have never opened this account with XXXX XXXX. I do not have any account with XXXX XXXX. I did not give my written consent to open this account. 
I have attached a copy of my credit report with the disputed account highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 
I would appreciate it if you would investigate this matter and remove the unauthorized account from my credit report. I am requesting that this be done within 30 days of the date of this letter. 
i made a complaint got no repsonse within 30 days, this is my complaint with the Consumer Financial Protection Bureau ( CFPB ).

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 2023-03-05
Company: Choice Money Transfer, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The company is Small World Money Transfer I have reached out to this company numerous times and still my transaction is supposedly under review since XX/XX/2023 but they had sent emails telling me that they don't know when my transaction will be completed and sent but offer no solutions. I just want my money returned this company has numerous complaints against them but is Still allowed to operate without investigation. Some times the phone number works and it's difficult to reach them I just want the return of my money. I made 2 transactions the same day {$10.00} each totalling {$20.00} I DO NOT WISH TO DO BUSINESS WITH THIS COMPANY ANY FURTHER I WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I had a home equity loan. I paid it through my PNC online portal, and it showed the interest and the principle. In XX/XX/ I paid off the amount the online portal said remained on the loan. The balance said XXXX. 

In XXXX I received an email saying that I'd missed a payment on the loan. I called and was told I owed {$67.00} in interest remaining and that I could pay it online. This was untrue. There was no place online where this interest showed up, and the account balance for the home equity loan showed as XXXX. 

I was told I was also being charged for closing the home equity account. But I WAS NOT closing the account, I just paid off the remaining loan. 

I was then told I needed to go to a bank. I went to XXXX branches. My main branch apparently closed - no notification. I went to the second branch and they had gotten rid of all the tellers. 

I called again in XXXX and asked them to waive the interest considering the amount of trouble I had gone to pay the interest. I was told instead that ANOTHER fee had been added but that if I paid by check they would waive the extra fee. They said they would put in my request to waive the interest and someone would call or write me back within a few days. No one reached out. 

On XXXX XXXX, I sent a check through my bank to my bank for the interest of {$67.00}. 
I then received another letter saying I owed {$170.00} - interests and fees and another {$50.00} listed as " other fee. '' I don't know what is going on with this bank. They refuse to do anything in writing and only call - and then I have no record of them giving me the wrong information, as has happened both in this situation and in the last situation regarding the credit card ( which, fyi was not resolved. ) I do not want to do things by phone. I want them in writing. 

I have been a member for more than 20 years and never had any problems until the past few years. I don't know what's going on, but they are clearly having some serious communication issues.

Company response to consumer: Closed with explanation