BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted an application and recently received a decision letter which did not give much explanation as to what income they are considering the letter also states that i have an appeal time of XXXX days but yet they have my property set for auction while i am on the appeal process. Their letter is contradicting it states no foreclosure will be held but yet they never placed it on hold. I am suffering from anxiety and paranoid living in fear that I might end up in the streets. I've submitted an appeal and I also need the calculations that they are using to determine my eligibility which they have failed to provide me with. All I see is bad faith on there end. My income can definitely support my payment I make more than enough I can afford my mortgage. I feel that they are just targeting Hispanics and force them to loose our homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: IL
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. XXXX XXXX XXXX XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 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 an account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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 2022-10-06
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and there's a copy enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with my lender Loan Depot regarding a payoff/ Reinstatement and have been refused this info. I was told they cant provide me estimated figures and Loan Depot also refused to order me one. That is their obligation to me. I am in default and in the process of getting a new loan to pay back ALL monies owed to Loan Depot as well as the foreclosing attorney/trustee XXXX XXXX. I stated to Loan Depot what my intention was, and they were of no assistance to me. I finally got the APPROVAL DOCUMENTS and now am being told by Loan Depot that they do not even want to see the approval. They do not care. I have spoken to countless reps within Loan Depots institution, including supervisors, and no one has done anything to assist me. ( supervisor Mr. XXXX, XXXX, Mrs. XXXX id XXXX, etc ) I have been given the run around, transferred countless time, and disconnected on. I truly believe Loan Depot is discriminating against me based on my race, ethnicity, sex, national origin, and that they prefer for me to lose my home instead of giving me the opportunity to keep my home. There is no tangible reason why they would not assist me with the steps needed to prove to them I was getting a new loan. I finally sent my info to the attorneys office to see if there is any way they can assist me with keeping my home since I have the proof that I am being given a new loan to pay off the delinquent one and get a fresh start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: OH
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:
I recently received a copy of my ( Experian, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED ON MY Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX  that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX  Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n

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 2022-10-06
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX, I mailed a dispute letter to Waypoint Resource Group requesting debt verification. Additionally, the letter instructed Waypoint to stop calling. Verification was not provided, and I continue to receive calls. I received another call today and, via email, was provided with someone else 's XXXXXXXX XXXX. Same name, but I've never been an XXXX customer. The provided billing address didn't even match mine. They have the wrong guy.

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 2023-06-05
Company: EQUIFAX, INC.
State: IL
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells fargo bank XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX.This company pulled my credit report on XX/XX/2022 wituout my authorization.They told me contact credit bureau XXXX To delete the inquiry.

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 2019-01-15
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:
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX on XXXX stating that the name of the company is Citi Financial XXXX With a XXXX XXXX phone number of XXXX. I returned the call and the asked for me but by my past married name that I havent carried since 2012. I had a feeling it was a scam collector. Upon reverse look up, it is not attached to any legitimate business, the person said they were collecting for a XXXX XXXX which Ive never done business with, and read off my address that I lived at over XXXX yrs ago. Threatened to have the sheriff come arrest me for fraud after I asked for copies of the paperwork I signed to incur the debt as I have no recollection of any business between myself and the named company. Then proceeded to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: OneMain Finance Corporation
State: FL
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:
After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : ONEMAIN FINANCIAL ( Finance ) which have been reported twice without my consent. 
XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Company: EQUIFAX, INC.
State: NY
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 have a letter from XXXX XXXX that states that they are reporting a specific name and address to my credit file in regards to an account on my credit file and Equifax verifies this account as accurate. I have disputed the accuracy of this information numerous times stating that this account does not belong to me and must be removed from my account. It has been removed from my XXXX and XXXX accounts because it does not belong to me upon checking and verifying my personal information with Equifax, the information that XXXX XXXX is reporting does not exist on my credit file. How is this account accurate if the information that the creditor is reporting does not belong to me? Equifax is either lying about this account or not conducting thorough investigations. According to Fair Credit Reporting Act 611 ( a ) ( 5 ) ( A ) ( i ) if during a reinvestigation there is information that is deemed to be inaccurate after prior investigations claim that it is inaccurate, this information must be promptly removed. Equifax has continuously verified this account as belonging to me yet the creditor is reporting information to my credit file that does not belong to me and does not exist. This is a clear violation of my federally protected rights as a consumer and this account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
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 CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( US BKPT CT FLORIDA XXXX XXXX ), ( US DISTRICT COURT ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES

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 2019-12-04
Company: EQUIFAX, INC.
State: MN
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. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage through Citizens Bank and in the last week ( XX/XX/2022 ) before closing the an employee ( XXXX XXXX XXXX said there was a " hiccup '' with the loan. I lost my temper because this was the second time that an XXXX hour request for documents that threatened to jeopardize the deal had been made. I threatened to take legal action against Citizens if they cancelled the loan, as well as file a CFPB complaint. Communication between myself and the loan officer broke down at that point and a manger told me that the file had been referred to " customer care '' for " escalation. '' I was further informed that my communications triggered the transfer of the file and that there was nothing that could be done. It is also worth noting that I have been approved for a grant through the City of XXXX to cover closing costs. Documents have been submitted to the city of XXXX that establish that I had been approved for a mortgage through Citizens. Because Citizens did not transmit documents associated with the closing of the sale to the city two days before closing ( XX/XX/2022 ), so that the closing costs grant could be disbursed, my loan has not been properly processed. I can only guess about what has caused the " hiccup '', and my best guess is that a student loan appeared on my credit report during the final stages of the closing process. Nonetheless, I have relied on Citizens to enter into a contract to purchase XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and now that contract is now broken as a result of Citizens inaction. Citizens has demonstrated an unwillingness to even make me aware of what information they need to grant final approval for the loan. I have made repeated attempts to get them what they want to close on the loan. They have not responded to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions.

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 2023-10-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX-Victorias Secret with bread financial & account number XXXX ) 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation