BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
equifax did not give my correct score to the bank i was unable to get loan due to incorrect credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in the process of doing a short sale. Unfortunately, I am unable to locate my 2nd mortgage which is causing a delay for us to move forward with the short sale. I have contacted over 20 banks and they do not have a 2nd loan on my property but the title company is showing an open 2nd mortgage. I have been informed that there is going to be an auction on the property on XX/XX/22. I am an ill man with XXXX have gone through numerous surgeries and just trying to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: WI
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:
took more than 30 days has not notified me of results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Synerprise Consulting Services, Inc.
State: AZ
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 of Arizona, by way of their collection agency Synerprise Consulting, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with XXXX twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, INC.
State: MT
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:
Upon trying to secure a loan for a large ticket item, I learned that Equifax XXXX XXXX XXXX, was reporting incorrect information about my credit profile. I called Equifax numerous times to correct the errors and was told by many representatives that my file had been " XXXX ''. Apparently this happens so often that they have their own department to handle " XXXX '' files. On XXXX XXXX, XXXX, I filed a dispute with Equifax for all of the errors in my report to which they claim to have " verified '' all the erroneous accounts as being mine. In addition to this they did not complete their investigation until XXXX XXXX, XXXX, 31 days after I filed my dispute. On XXXX XXXX, XXXX, I contacted Equifax and requested their " Method of Verification '' that is statutorily required. They not only did not know what I was talking about, after several transfers to mangers and supervisors, they flat out refused to provide the documentation, as required under federal statue, to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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:
Wrong account don't recognize

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 2022-09-01
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Acima digital has opened a fraudulent account in my name and is aware of it and wont do nothing about it!!!!! I have never done business with them they opened a account on my credit profile on XX/XX/2020 I havent realized the account for some time Im a XXXX XXXX and sometime it slips my mind to keep check my XXXX. I have Fraud alert set up with the 3 credit bureaus and they never called me to make sure this account was actually me upon starting the account which tells me this company supports fraud!!! 
When you have fraud alerts the company calls the consumer to make sure its actually them because they can see when there pulling your credit that you was a victim of identity theft so this is why they verify!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to them from XXXX XXXX XXXX. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately! 

XXXX XXXX XXXX also violated my rights in a similar fashion and I submitted a cfpb complaint ( ID : XXXX ). XXXX XXXX XXXX removed the derogatory mark and has apparently now sold the account to XXXX XXXX who is now violating my rights.

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 2019-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2022-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently filed the same complaint with XXXX. On XX/XX/2022, my family took a cruise through XXXX XXXX. We charged a photo package and a champagne/strawberry service for the amount of {$240.00}. After the cruise, we realized we did not receive any of the 3 photo packages purchased. From XXXX to XXXX, I contacted XXXX XXXX 22 times via phone and email to receive credit. When this was unsuccessful, I contacted Wells Fargo to dispute the charge. I asked for {$200.00} for credit. Instead of receiving this, Wells Fargo credited {$33.00} for the strawberries/champagne service. I did not dispute this service/charge as we received it. I was disputing the {$200.00} for the 3 photo packages not received. This complaint was # XXXX. I have since called Wells Fargo 3x. I spoke to XXXX, XXXX and now XXXX. XXXX actually filed a complaint on my behalf - # XXXX. I sent 2 emails regarding dispute to XXXX. I am frustrated that this simple transaction with all of the supporting evidence has been completely mishandled

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 2022-09-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee in XXXX, XXXX and XXXX of XXXX. I provided bank information to show the payments were made on time but they have done nothing to resolve it. 
XXXX fee {$29.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} - due XX/XX/XXXX - paid XX/XX/XXXX XXXX fee {$35.00} = due XX/XX/XXXX - paid XX/XX/XXXX ( just to test my theory & was still charged ) Total fees {$99.00} I can not reach anyone by phone to discuss this issue so everything is done through the website. 

I see many others are having the same problem based on social media posts on their page. This started when they updated their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-28
Company: EQUIFAX, 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:
identity thft victim. incorrect info on report XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  usa/XXXX  XXXX  XXXX XXXX.XXXX. XXXX reporting late payment in XXXX. ( i was never late )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX are advising me that the bank is being slow and I got told that there doing wrong and for me to help out. If this is true on their be half please fix this problem there stating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 my mortgage company ( PHH Mortgage ) sent me a letter stating they did not have proof of insurance ( flood/wind ). I live in a condo. I contacted the XXXX  XXXX insurance rep who gave me the info to send in and she also sent the info in. PHH said they did not receive and purchased in insurance on my behalf in the amount of {$410.00}. I contacted PHH and condo insurance rep. We had a 3 way call and all insurance info was sent in once again. On XXXX XXXX PHH refunded me {$280.00} and on XX/XX/2022 PHH refunded me {$130.00}. In mid XX/XX/2022 PHH mortgage sent me a letter stating they do not have proof of insurance ( again ) and would be purchasing insurance on my behalf. I immediately contacted PHH and explained the above and waited on the phone while the PHH rep called the condo insurance rep and was told she sent the proof of insurance again and I would receive a letter letting me this. No letter has been sent to me and now PHH is calling me on the phone and asking for proof of insurance and threatening to purchase insurance on my behalf again. I am at my wits end. I do not know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
took more than 30 days with my credit dispute i demand they remove the items that i disputed as they have taken more than 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Was not notified of investigation status or results

Complaint:
I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER

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 2019-04-19
Company: General Motors Financial Company, 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:
XX/XX/XXXX - Mailed, via Certified Mail with return receipt, a cashier 's check for the payoff amount to GM Financial, also enclosed with a contract that clearly stated the execution of the enclosed funds would constitute agreement to and acceptance of the terms of the stated contract. Those terms included marking the account as paid in full, removal of all derogatory remarks from all reporting agencies and cease all collection attempts. ( Original contract and copies of executed funds included in files ) XX/XX/XXXX - Certified Letter and funds were received by and signed for by a representative at GM Financial. 

XX/XX/XXXX - Cashier 's Check for full payoff amount, with contract stamped below signature line, was executed and deposited for payment. 

XX/XX/XXXX - GM Financial was made whole by the settlement of the cashier 's check. ( Copy of check with stamp and signature included in files ) XX/XX/XXXX - Received a letter from GM Financial acknowledging receipt of payment and the settlement of the the account in full. ( Copy of letter included in the files ) XX/XX/XXXX - GM Financial fails to perform on the agreement to remove all negative items from all reporting agencies within 30 days of executing the contract via their signature on the check and the cashing of those funds. 

XX/XX/XXXX - GM Financial continues to report the account negatively and even in the month of the payoff posted the account as delinquent, this has continued to be the reporting status month after month since the payoff. 

GM Financial has failed to perform on the agreement they entered into by signature on the check to remove any and all negative items from any and all reporting agencies. Furthermore, the agreement stated should they dishonor the contract or violate its terms they agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and they agree to Summary Judgement against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On approximately XX/XX/XXXX I received a notice from the collection agency claiming I had a debt. Within the 30 days they had asked for ; I responded to the company asking for verification of the debt including with any information of signed forms or simple verification relating to the debt. They have never responded to my request in any fashion, I have never heard from them again. Since then they have placed derogatory information on my credit report three months later. Simply put I did as they asked and they never responded to my request, so therefore I am to assume they have no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XXXX, 2022, I received a letter from Bank Of America, XXXX XXXX XXXX, XXXX, DE XXXX via XXXX that had a statement " We've made the decision to close your deposit account ending in XXXX because we're unable to verify your identity ''. 
On XX/XX/2022, I received via XXXX a " Your Adv XXXX Banking statement '' which disclosed an account number and an amount of {$9.00} in negative funds, " ending balance dated XXXX XXXX, 2022 ''. 
I have not ever had any bank accounts of any kind with Bank of America. I do not, nor have I ever had any known transactions or affiliations with this bank or any accounts whatsoever. I do firmly believe this is a case of mistaken identity. I am a practicing medical professional and any claim that I am associated with this debt is fraudulent. On XX/XX/2022, I have filed an FTC identity theft affidavit in response to receiving information to my address for this fraudulent banking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: PA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2022-09-01
Company: EQUIFAX, INC.
State: PA
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 have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, XXXX, Experian they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA

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