BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$320.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!

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 2023-10-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
NEED COPY OF APPROVED MODIFICATION XX/XX/2023. NEED TO TALK TO INVESTOR DIRECTLY OMBUDSMAN DEPARTMENT. NEED PHONE TO SEND IN XXXX XXXXXXXX INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: GA
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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX, Experian and XXXX  is reporting that someone made a inquiry request on behalf on my name that was not authorized by me. The hit came from XXXX XXXX XX/XX/2021.

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 2021-06-02
Company: LendingUSA
State: NJ
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:
Please Remove all this account of all 3 credit reporting agencies 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently was notified that my morthage servicing was reassigned by XXXX XXXX XXXX to PHH Mortgage. On XX/XX/2018, I called to inquire into the reassignment and learn about payment options. The representstive stated that the only way to avoid payment related fees was to either mail a check or sign up for paperless billing/statements. XXXX XXXX XXXX did not have any hidden fees. PHH Mortgage is charging an additional {$17.00} for payments over the phone ; {$10.00} for utilizing the telephonic automated system or {$7.00} for paying online. This is absolutely ridiculous. XXXX XXXX XXXX did not charge these hidden/additional fees. PHH Mortgage is basically getting a windfall in these fees from consumers that merely want to pay their mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I received notification from Experian that XXXX XXXX has placed a collections account on my credit report, which I never received written notice at my address of the alleged debt, and it didnt have the original creditor listed. 

On this day, I filed a dispute with Experian stating that I have no knowledge of this account and I never received written notice of the alleged debt before being placed on my credit report, which wouldve allowed me to dispute it with company. 

On XX/XX/XXXX, I received notification from Experian that the investigation has been completed and the account dispute has been updated. 

On this day, I contact Experian via phone and spoke with XXXX, a representative. I stated that I am requesting a Method of Verification for my dispute with XXXX XXXX XXXX as the investigation was completed quickly and the account states the balance was updated on XX/XX/XXXX and I wasnt notified of the alleged debt by Experian until XX/XX/XXXX. Unfortunately, I was told Experian doesnt provide this information. 

Then I informed her that I have a right to request a method of verification requesting hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give consumers a method of verification within 15 days of the request. Failure to do so, is a violation of my consumer rights. 

Also, I noticed Experian has an address that is no longer my legal address and the representative refuse to make the necessary changes and put my current and legal address.

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 2022-12-07
Company: EQUIFAX, INC.
State: AZ
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 XXXX 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 XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX 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 Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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 am requesting that you investigate and take necessary action to remove them 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 2021-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I used the bank ATM to deposit some checks into my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The ATM gave me an error message and then printed out a number that I would need to call. I went inside and the bank teller informed me that they could not do anything and that I would need to call the provided number. When I was finally able to reach and agent they informed me that they would need XXXX weeks to resolve the issue. Once the XXXX weeks passed I called back and the agent on the phone said that they would need another XXXX days and that went on for another XXXX weeks. I went back to the actual bank and the teller that helped me on the day the incident occurred and she gave me a copy of a document that lists out all of the checks that the ATM technician removed to the machine that were not deposited into my account. I once again tried calling the customer service line and the agent told me that they were going to close the case as there was no proof of the incident, even though I have the missing check information with me. It has been more than a month there still is no clear resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for the AVANT XXXX through XXXX XXXX around XX/XX/XXXX and was approved. They sent me an email congratulating me, informing me of my credit limit and telling me my card would arrive by mail within XXXX days. I waited weeks, and never received my card. I called several times and was told to wait until XXXX to have a new card issued to me. A new card was issued on XX/XX/XXXX and I called and was told it was mailed on XX/XX/XXXX ( which is a Sunday ) so I assume it was actually mailed on Monday XX/XX/XXXX. It has been XXXX business days already and again, no card. I have informed delivery with USPS and I see my mail a few days before it actually arrives. Its not showing up. They charged me the {$59.00} annual fee before I even used the card. I was able to activate it through their app, with no physical card by using my social security number. I chose to do this because I thought they had a digital version of the card available on their app but they dont so I cant even use it. I noticed after I called them a few days ago they charged me the annual fee even though Ive never use the card because I dont have it. I asked if I could have the card sent to me priority mail or Xpress if I paid for it and they said that they dont do that. Ive read several complaints on here about people never receiving their cards for months and I dont want that to happen to me so thats why I am submitting this complaint in the hopes that I will be able to get through to them and have them send me the card. I want to make it known that I really do want this card, I do not want them to cancel it or close my account because I am submitting this complaint. I am merely doing this in order to bring it to their attention because calling Customer Service is not seem to get me anywhere. Can avant or XXXX please contact me about my card and help me actually receive it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: NV
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 Accourdance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Number # XXXX Account number # XXXX Account number # XXXX Account Number # XXXX Account number # XXXX 15 usc 1681 section 602a States I have the right to privacy any consumer reporting agency may furnish 15 U.S.C 1681 Section 604A Section 2. a consumer report under the following circumstances and no other without my written instruction.

15 U.S.C 1681c. ( A ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than Seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!

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 2022-12-07
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$84000.00}

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 explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.

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