BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
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: Account status incorrect

Complaint:
my Equifaxhas incorrect information .I did not have any delinquent bills with XXXX XXXX XXXX, XXXX $ XXXX creditor : XXXX XXXX I did not live there during this date its incorrect and needs to be removed. Its also illegal to put rental on a credit report during covid-19 during this time I was not living there and owned a house starting in XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a balloon mortgage that came due XX/XX/XXXX. I called XX/XX/XXXX to refinance. The agent I spoke to said it was too early to refinance call back in 2 or 3 months. I called back XX/XX/XXXX and they said I didn't qualify. I had to make a minimum of 6 or 7 calls, being put on hold, being transferred from department to department. The customer service agent said it was too late to refinance I should have started the process earlier. 
XX/XX/XXXX I received a letter stating they would no longer be taking payments from me. 
In late XXXX and XXXX, I called, and it to me 3 weeks to get through. I stated I owe one last payment of {$230.00} for XXXX and the representative said they didn't see that I owned anything but the balloon payment. 
XXXX I received an alert on my credit that I had late payments from PHH. 
I called and spoke to 3 representatives and they all said I own only the balloon payment. 
I spoke with Case Manager on XX/XX/XXXX and he said I own 3 XXXX dollar payments. I explained that I tried to pay but was told I didn't own XXXX payment. He insisted I did and that's why I was getting late reporting. I said I happy to pay. He said it would be XXXX extra to make a payment. I refused to pay an extra {$17.00} for a payment I have tried to make for 2 months. He said I could mail in a check for no charge when I asked him for the address he said : " PHH may reject it because it was late. '' My complaints 1 ) unable to contact PHH in timely manner hours on hold or just in a loop with no connection 2 ) Customer Service giving wrong information 3 ) PHH mailing letters that contradict Customer Service information 4 )  Unable to pay via PHH website, XXXX XXXX because phone lines are busy 5 ) Customer Servers charging & XXXX per payment 6 ) Not giving alternatives for payment methods 7 ) Insisting I must make my payments even though I received a letter stating they would no longer be taking my payments 8 ) lastly, the Case Manager I spoke with was condescending in his demeanor and contradicting PHH letter to stop payments. He said " you owe the XXXX payments '' and I agreed with him and I want to pay the money but adding XXXX per payment seems excessive and not being able to pay via the PHH website. 
I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: TX
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:
Applied for credit with XXXX XXXX thru XXXX XXXX. Credit was denied based on erroneous information with Experian. Credit bureau reported 'applicant is deceased '. This is untrue. Currently alive. i maintain an active account with Experian. Need to resolve this problem immediately. It would be helpful to speak with a person rather than canned numbers to punch which don't address my issue. The government knows I'm alive.

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 2021-02-11
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, make the following compliant : COMPLAINT ID XXXX Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times. 
What would be a fair resolution to this issue? I just need my money back in the credit card. 

Today I check my email and Best Buy did was reschedule another delivery I received the following message by email : APPOINTMENT SCHEDULED : Order # XXXX set for Monday, XX/XX/XXXX. In a completely arbitrary action. As I indicated in the past complaint, I am only interested in my money back. No one can force someone to pay for something they did not receive, that is stealing money from consumers.

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 2018-04-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I filed for removal of my PMI because I have met all terms required ( no missed payments, reached 80 % of my LTV, value of house did not decrease ). I was turned down because they said the value of the house decreased according to the AVM. However, it did not decrease : - Sale Value : $ XXXX - Original Appraisal at time of Sale : $ XXXX - Current Appraisal Value : $ XXXX They stated that the value decreased from the original value because the appraisal value went from $ XXXX to $ XXXX. However, the original value is defined as 'the lesser of the sales price of the secured property, as reflected in the purchase contract, or the appraised value at the time of loan consummation '. So the value actually increased from $ XXXX to $ XXXX. This definition is very clearly defined in the Homeowner 's Protection Act and by Citizens Bank. 

I sent 2 letters and called numerous times with no response to my messages. I finally got through to a manager who said they would look into it but that 'their investors define the original value differently '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
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: Investigation took more than 30 days

Complaint:
I initiated a credit investigation with Equifax and XXXX XXXX back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding LLC had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to Midland Funding in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with XXXX  XXXX, or that I was sued by Midland funding, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication. 

I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and Midland funding have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted midland funding mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a XXXX  XXXX credit card application or XXXX  XXXX collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: LA
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:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I PREVIOUSLY COMPLAINED ABOUT XXXX XXXX REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.

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 2019-10-05
Company: Experian Information Solutions 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 2019-10-05
Company: Halsted Financial Services, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Halsted Financial Services LLC stating that I owe this company XXXX, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act, Compliance with this request is required under the laws of state and federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. 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 XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2019, I moved my business out of XXXX XXXX and to XXXX. I notified the city and I was told they updated in the system. Without a previous bill, I just received this collection notice. - It was sent to my XXXX XXXX location so I didnt even receive it until just recently. Even if this Information did not properly get updated in the system like the city assured me it was, I also should have received some kind of bill before a bill from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Reported to credit bureaus of late payments that are incorrect. We made payment arrangements with them and they reported lates. Impacted credit score dropped it 35 points and we are trying so hard to get our points up!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18, I initiated a transfer of {$2300.00} from my Chase checking account to my XXXX checking. Unbeknownst to me, XXXX had closed my account before the transfer went through. However, the money was not credited back to my Chase account and is currently lost. XXXX tells me my problem is with Chase and Chase tells me my problem is with XXXX. I have spent the better part of 6 weeks shuttling between Chase and XXXX and spending countless hours on the phone. Neither bank is taking this half as seriously as I am so I needed to do all I can to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen Loan Servicing, its crooked lawyer XXXX XXXX intentionally failed to respond to my request for loss mitigation options to avoid fraudulent trustee sale. XXXX XXXX assisted troubled Ocwen with financial white collar crimes so that troubled pretender lender loan servicer could embezzle my property temporarily increasing its revenue. Since XXXX XXXX avoided my request for loss mitigation options and assisted troubled fraudulent Ocwen with white collar financial crimes slandering my title all over again recording another fraudulent notice of trustee sale I am left with no choice other then to litigate my matter in chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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 information incorrect

Complaint:
XXXX XXXX Bank continues to report inaccurate information to the the major credit bureaus ( Experian, XXXX & XXXX ). Just recently I filed a complaint with the Better Business Bureaus regarding the inaccurate information being reported. I have tried on numerous occasions to resolve this with XXXX XXXX directly but every time I contact them, Im told that they can not assist me because all of my information has been archived and my account was sold to a collection agency. I have explained to them that no collection agency is reporting on my report, it is only them ( XXXX XXXX Bank ). I was also just made aware that my credit score dropped 19 points when I contacted Experian to find out why, I was told that XXXX XXXX Bank reported a recent charge off as of XXXX XXXX, the account the are reporting falsely was first reported in XXXX. They are re-aging my account and providing more inaccurate information, which should be illegal to do, ( please provide me information on this ). 

I believe they recently reported to retaliate for the complaint I filed with the B.B.B Please have them remove this account immediately. 

Thank you

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 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 previously sent ( 4 ) certified dispute letter requests to Trans Union Consumer Disputes dated XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 to either verify and if it could not be verified to by law remove all inaccurate information from my credit report. I received responses stating information was verified. How was the information verified?, if my request for a copy of signed documents with my signature could not be provided? They are in direct violation of the Fair Credit Reporting Act

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 2019-10-05
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:
I have submitted numerous complaints to Experian to no avail to advise I have been a victim of identity theft and the following accounts do not belong to me. they refuse to investigate further.

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