BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: EQUIFAX, 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 sent a dispute letter to both XXXX and Equifax on XX/XX/. To this date, I have not yet heard back from XXXX in regards to the dispute. I received a response back from Equifax on XX/XX/, but the matters of the dispute were not rectified. The dispute was to notify XXXX and Equifax of the unauthorized Disclosure of Nonpublic Personal Information. Equifax responded by saying that item belongs to me but I never disputed the fact that the item belongs to me, I disputed to them by stating that every account on my consumer report had disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with the requirements of 15 U.S. Code 6803. This action is a clear violation of my privacy rights and an infringement upon the safeguards put in place to protect consumers like myself. Again XXXX never responded to the dispute and Equifax did not do their due diligence in properly investigating this matter. 
Tracking Number of dispute for EquifaxXXXX  Tracking Number of dispute for XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a residential property XX/XX/XXXX from the buyer of a municipality lien sale conducted by City of XXXX NM XX/XX/XXXX and recorded my ownership in XXXX XXXX NM Clerks office. In XX/XX/XXXX an Assignment of Deed of Trust from XXXX XXXX XXXX XXXX XXXX XXXX was filed in District Court to reopen a mortgage foreclosure. XXXX by Assignment of Mortgage from XXXX XXXX XXXXXXXX to XXXX, XXXX, filed to foreclose. Foreclosure sale was conducted by Special Master Deed improperly notarized XX/XX/XXXX and recorded in XXXX XXXX XX/XX/XXXX as XXXX XXXX XXXXXXXX, owner. XXXX XXXX XXXXXXXX has stated in email to me after months of sending documents proving my ownership, and claim no record of a loan and no knowledge of foreclosure, sale or ownership of the property. PHH purchased RMS 's book of business which included the loan purchased by RMS in XX/XX/XXXX in pooling sale. XXXX XXXX XXXX was entered as Plaintiff in XX/XX/XXXX, by misrepresentation through counsel not hired by XXXX XXXX XXXX  and obtained a ruling which has sold my property illegally. XXXX XXXX XXXX denies any involvement, counsel representing Plaintiff appointed the Special Master and pursued to take my home. I have contacted the SEC, XX/XX/XXXX who is investigating mortgage foreclosure fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX XXXX account XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A. States I have a right to privacy 15 U.S.C. 1681 Section 604A 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MD
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 XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: WA
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 fair credit reporting act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681 Account name : 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  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 section 2. It also states that consumer reporting agencies can not furnish a 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 Any other adverse item 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 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 2021-12-06
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear Madam/Sir, upon receiving an email last Friday XX/XX/2021, I visited the XXXX XXXX California County XXXX XXXX XXXX website. I found that a property that I own at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was listed as ( Defaulted Parcel No. XXXX ). Last year at this same time, Freedom Mortgage XXXX XXXX XXXX XXXX, TX XXXX failed to pay the taxes due on this my property. I have never been late on any mortgage payments and the said taxes should have been paid out of my escrow account by Freedom Mortgage company as they are in charge of servicing my mortgage account. I phoned them and requested that they pay my taxes. They did so, however my account was, and is noted in default on tax record as of XX/XX/21. 
Taxes are due again as of this date, and have not been paid again. I retired from flying worldwide supply and support missions with the Department of Defense for the US military in XX/XX/XXXX of this year. I am now unemployed and collect only XXXX XXXX each month. If this irresponsible practice of failing to pay my taxes on time by Freedom Mortgage is allowed to continue, the damage to my good credit standing is at risk of being irreparable, and is now adversely affecting my life.

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 2018-11-15
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: Account information incorrect

Complaint:
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. Equifax has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Specialized Loan Servicing Holdings LLC
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:
I have been researching my consumer rights for the purpose of preparing this letter today. I have found information listed in the Fair Credit Reporting Act Title 15 U.S.C 1681 that is applicable to your responsibility as a credit reporting agency. In summation, these sections require that you conduct an investigation to determine the validity and accuracy of the items I am disputing. If you are unable to successfully prove them with verifiable proof, then you must remove them within 30 days of receipt of this letter. Please also note that verifiable proof includes all of the original documents, signatures, etc. that claim to be associated with each account aforementioned. I will not accept 3rd party verifications.

In your correspondence, please include any and all evidence including the original signed documents. I have done my research and I know that you may use an electronic verification system from a third party to verify the accounts below. However, that will not suffice in this case because I am requesting copies and any and all original documents ( including original signatures ). 
Your failure to positively verify these accounts in the first place has impacted my ability to be trusted by potential creditors and progress in my life. Under the law aforementioned, unverified accounts must be removed. If you choose to keep these items on my credit profile, then I demand a copy of any and all of the verifiable proof that you claim to have. Please also remove any inquiries from my account that are not applicable to my credit profile.

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 2021-08-26
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF ID THEFT. SOMEONE OPENED A XXXX ACCOUNT IN MY NAME. I CONTACTED THE COMPANY THEY SAID THEY COULD NOT FIND ME IN THEIR SYSTEM SO I WOULD HAVE TO START A DISPUTE WITH THE CREDIT BUREAU AND IT WILL BE DELETED. I DISPUTED IT WITH THE CREDIT BUREAUS AND IT IS STILL REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
According to Indiana Small loan laws, Payday loan providers are required to offer an extended payment plan on the third, 4th, or 5th consecutive loan. It is even stated in the contract. I am on my 3rd consecutive loan and asked for an EPP. I was told I was not eligible until my 4th consecutive loan. I tried speaking with a manager and was told to file a complaint because there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Resurgent Capital Services L.P.
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, this is still some accounts on my report that is false and was resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, Chime bank placed a hold on my account and ended up closing the account that day citing section 9 of their service agreement. 

My account has XXXX $ i recieved from the New York State Department of Labor for my unemployment benefits i was eligible for after being affected by the Covid 19 pandemic. I was in communication for a couple of weeks until Chime just stopped answering my emails. 

I emailed them again to start a new chain of emails with their " support '' on XX/XX/2020 because they never responded to the original one. They responded promptly asking for documentation so that i may be able to access the funds they have been holding XXXX for over a month at that time. 

The documentation they asked for was primary form of government identification which i provided in form of my NY state Drivers License, images of the front and back, a secondary identification of which i asked for an approved list of documents. A bank statement was on the approved list of which i provided a copy of a pdf bank statement within a months date of the email. " Proof of the loads '' onto my chime account, which i provided a pdf copy of my payment history from unemployment NY state Department of Labor and an " explanation, '' which i explained i was an out of work XXXX XXXX US citizen that was eligible for Covid 19 pandemic relief. 

Once i provided all said documentation they just have refused to answer any of my emails. Any phone calls i have made in an attempt to speak with a service representative has failed. My phone number is obviously flagged because i recieve an automated message to email support, which never email back and any calls made from different numbers are asked to provide information for the account in question which leads to them telling me to email support again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Chime ( based in XXXX XXXX ) in early XXXX because the interest rate was higher than my other savings accounts. I then transferred funds ( {$100000.00} ) to that account from a different savings account. Chime accepted the transfer but then demanded I send them private, personal information before they would give me access to MY money! I explained in writing the situation but they still demanded private info. I called and they couldn't ( or wouldn't ) explain why they needed my private personal info and when I asked to be transferred to a manager or supervisor, they put me on hold for an absurd length of time and then the call disconnected. Since I will not share private information, I tried to have my other bank pull the funds back but Chime refused. Now I can't even access the account. I want my money back and no one from this joke of a company will explain what us going on here. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I do not have any overdraft protection and yet wells Fargo continuously pays items despite there being insufficient funds. If my account does not have funds they should be returning the item NSF. Instead they pay items and then charge me XXXX dollars in overdraft fees. When I contacted them they stated that because of the extra day grace period they had a right to charge me even though that was not agreed upon.

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 2019-03-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I've received 1099 MISC for {$700.00} total other income from Chase on XX/XX/2019.I have spoken with in bank bankers, Chase customer service reps and even the 1099 reps, and it is indeed an endless loop of ignorance. XXXX, when I ask the 1099 rep to explain what the listed amounts are for, I will be told that they don't have the records on my account and that I will have to talk to customer service. Customer service in turn knows zip and just wants to get rid of me, so they transfer me to the 1099 rep, who seems to be outsourced and know nothing about US Tax Laws. I am contesting the {$700.00} amount because I have not received that at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted equifax to dispute two inaccurate accounts on my report in which they have failed to remove although Ive provided them with proper documentation that these companies both where reporting inaccurate information. I also have noticed 3 of my postive credit card accounts that are currently open and have been open for for over 3 months are not showing with equifax. I would like those accounts to show on my report and I have attached the other consumer reporting agencies reporting those accounts open activr with no lates ( See attachment for my XXXX XXXX XXXX Cc & TWO XXXX CC for XXXX ) The inaccurate accounts are wuth XXXX XXXX XXXX who reported the last payment date with EQUIFAX as XX/XX/XXXX which as you can see with the attachment they reported to XXXX  it was XX/XX/XXXX addionally they reported to equifax XX/XX/XXXX days late and as you can see with attachment that was also incorrectly reported as with XXXX  and XXXX I have absolutely NO LATE PAYMENTS reported. ( SEE ATTACHMENT ) XXXX  confirmed this account along with XXXX XXXX was reporting inaccurate information and deleted BOTH accounts. I would like equifax to do the same with both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
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:
I noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief