BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
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: Personal information incorrect

Complaint:
On XX/XX/XXXX, my identity was used fraudulently to obtain a personal loan from XXXX, XXXX in the amount of {$670.00}. I became aware of this via email in late XXXX that a payment was due. I made phone calls to XXXX XXXX XXXX on XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Each time I called and explained the fact that the account was fraudulently created and requested an investigation to clear my name of this issue. They promised each time to send an email follow-up to me within 2-5 business days, but never did. I obtained case number XXXX on the XX/XX/XXXX phone call. XXXX, XXXX also reported my address as " XXXX XXXX XXXX, XXXX, AL XXXX '' as shown on my Equifax credit report. I never lived in Alabama and expressed this each time I called XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I bought our house XX/XX/XXXX for XXXX and two years later we did a refi XXXX for XXXX then GMAC went out of business in our area and then we were sent a letter that Ocwen Loan Servicing would be handling our loan and we had no Idea who the investor was on the loan. Today we are trying to sell the home and we owe more for the house now than we financed it for. We did do a modification on the loan but the escrow shortage was XXXX now its XXXX and how that happened we have no clue. Ocwen only notifies us of potential foreclosure and the added about XXXX to our home loan and told us that this is part of the modification and work out for our home. They refuse to research it for mistakes, which there are plenty. They do not have payments that were made when GMAC had our home loan nor do they have the records and will not try to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of this accounts, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
Their reporting is causing defamation of character. 
I want them to cease and desist with their defamation of character which is affecting my business affairs. 
XXXX, EQUIFAX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Social Finance, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I writing because person opened fraudulent account under my name sofi credit card dont investigate my account still reporting account in my credit I need resolution soon posible because never opened account with company dont received information proof this debt with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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 2020-10-25
Company: EQUIFAX, INC.
State: CA
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:
I've spoken to equifax about these unauthorized inquiries from XX/XX/XXXX, XXXX and XXXX of XXXX and also XX/XX/XXXX on my credit report 3 times, and they refuse to remove them. There is also a duplicate inquiry from XX/XX/XXXX that I tried to tell them about today, XX/XX/XXXX, and They are trying to tell me that they are factual based when I know that I'm not the one who authorized them. I reached out to each company as of XX/XX/XXXX and they asked me have I put in any applications online and advised them that I had not. They said they were checking their systems and neither of them had any record of why there would be any inquiry as i do not have any new or open accounts nor applications on file with them. They advised me to reach out to equifax because it could be a " promotional '' error and so I gave them a call and they refuse to assist me telling me there is nothing they can do. If this is not the case of an error then equifax is allowing fraudulent activities to occur on my credit file and improperly selling my information to people without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account overdraft fees are turned off so that I don't get my account overdraft still i get overdrawn by the bank every time I use my XXXX. Suntrust now truist is not willing to resolve this issue.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have reached out to experian, transunion, and XXXX multiple times regarding a fraud alert placed on my credit file. XXXX has complied and removed the fraud alert. 

XXXX and Transunion does not want to comply and remove the fraud alert form my credit file. There are phone numbers within the credit freeze that do not belong to me. I have never used the phone numbers the credit bureaus have under my name. I would like for these fraud alerts to be removed from my credit file immediately. I have tried getting credit under my name and have been denied due to this fraud alert. This is unethical as i have never asked to have a fraud alert on my credit file

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 2018-02-05
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an unverified account from Diversified Consultants. I had previously disputed this account. I have never done business with Diversified Consultants. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Diversified Consultants Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Diversified Consultants Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays bank XXXX XXXX credit card. 

online credit card payment to barclays was rejected by my bank ( XXXX XXXX ) because bank closed account due to fraudulent activity. 

I explained this to Barclays Bank supervisor XXXX, ID Number : XXXX and inspite of repeated requests to waive the fee for returned payment for extraordinary circumstances, she said bank policy is not to waive this fee under ANY CIRCUMSTANCES. 

Fraud on my checking account was out of my control and supervisor was absolutely unwilling to offer any help. 

Thanks 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 monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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:
Recently, review credit file and notice a collection account reporting by XXXX  XXXX. I never open this account and not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Social Finance, Inc.
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: Account status incorrect

Complaint:
I didnt get any help during the pandemic I request payment deferral as the Congress law requirements and they didnt help me and they report all my late payments on 2020. Right now I have all my accounts current but Im getting affected because they report all late payments violating congress law about payment deferral as this situation happens I need all that 2020 late payments remove as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Orions Management Group, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from Orions Management. He stated I owed {$480.00} to XXXX XXXX. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I XXXX he will continue to harness me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-23
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
bb & t is my mortafe bank ; payments are XXXX month ; my wife takes care of most of this as her part of the family unit ; however, as of late her father who is XXXX is not doing well ; this has caused her to make a few slow payments and/or miss one over a 2 week time. XX/XX/21 i got a call from someone saying bb & t, and asking all kinds of questions ; as a smart comsumer i ask what this was all about ; i was told, '' i can not give out any information untill i have ask all my questions and recieved all the answers i need '' ; i felt this was a con, the lady being rude ; she did call me., i called bb & t to see what was the issue ; i was told they would have to get back with me ; today XX/XX/21 i got a letter that i had a missed payment from XX/XX/21 ; that is less than 30 days ; just as i was reading the letter. i got another call from the same lady ; " requiring '' me to be silent unless answering her questions ; i hung up. i called the number on the letter and got " this is a debt collector '' on the phone and the same lady ; i told her i wanted to know what this was about ; she again required that i answer a lot of questions ; i hung up ; i then went to bb & t ; paid the bulk of the loan ; and requested a final notice of what would be due ... the lady was rude ; i am not 30 days deliquent ... if i was told what it was about i may have been better equipeted to answer the question ; however i was dealing with bb & t bank not a debt collector ; my serviecs should not be pushed to such a group ; i hate them i will not deal with them ; they are rude and treat one as a number ; without consideration of a human with problems ; such as what is going on in the world etc. there are a lot of scamers out there ; she should be required to answer my questions as well so i know it is safe to give out some information, just not too much. i went to the bank gave only my account number and i was well on the way to closing the account ... they will be at a lose for the next 35 months whitout that intrest that would have been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo mortgaged my home from XX/XX/XXXX-XX/XX/XXXX. Lowered my monthly payments without my permission. Refused to work with me when I had a buyer for the home. Ended up in foreclosure and lost home.

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 2017-12-23
Company: EQUIFAX, INC.
State: WA
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:
Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both equifax and XXXX that they closed the account and dropped my credit score by XXXX  points in both cases, XXXX XX/XX/XXXX and equifax XX/XX/XXXX. i called equifax they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Account status incorrect

Complaint:
Experian and XXXX show a late payment posted on XXXXXXXX XXXX. I contacted XXXXXXXX XXXX credit cards and they said I had a XXXX balance on XXXX and XXXX of XXXX. I do not understand why those two credit reporting agencies put a late payment for XXXXXXXX XXXX when I didn't even have a balance owed. 

XXXXXXXX XXXX : balance {$0.00} XXXXXXXX XXXX : balance {$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