BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX reverse mortgage solution purchased a regular loan from a company now call XXXX XXXX. For the amount of {$18000.00}. My mother was unaware that this new company was a reverse mortgage loan she made payments from XX/XX/XXXX to XX/XX/XXXX. 
She died in XXXX Reverse mortgage has denied they receive payments from her but the bankruptcy judge made them submit fraudulent payment history. I have asked RMS to simply show us the deposit slip or some sort of transaction where they put in XXXX to her account they never did. I contact the IRS for her her W-2 forms from XXXX to XXXX there was never any installments in her account and never in a large amount of money deposited. 
RMS foreclosed submitted some sort of unverified paperwork and now have their name on her home. They have tried to evict me over seven times I went to court eviction court today. The judge refused to understand that this was a case of title not eviction we now have five days to either pay {$2200.00} to get an appeal or vacate my mothers home after 50 years. I would prefer to fax these papers to you tomorrow but in five days I will be put out of a home. 
my mother repaid a loan they denied that payment but we have proof from A company called XXXX XXXX provided me with the closing cost of {$18000.00} in XXXX. Please help us as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, block and delete according to 15 USC 1681c-2.

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 2021-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts do not belong to me, block and delete according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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: Account status incorrect

Complaint:
yes companies E open date XX/XX/XXXX 2,315 have wrote to XXXX  and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... ..XXXXXXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on XXXX and closed on XXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on experian XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks

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 2023-04-26
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor AFFIRM INC has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account with my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: HireRight Solutions, Inc.
State: NJ
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: Public record information inaccurate

Complaint:
Hello, on XX/XX/2021, due to incorrect information on the backround check performed by HireRight I was fired from my job after being there almost 6 months. Furthermore, after applying for another job at XXXX another backround check was done by XXXX XXXX which again showed inaccurate information. On three occasions I was denied employment, and or, fired from my job due to inaccurate information on the backround check. Although I never denied having a criminal record, for which said crimes I served time for and paid my debt to society, I was never convicted of XXXX. I went to trial for XXXX and was convicted on XXXX XXXX. As you will see, my backround checks on the above occasions erroneously states I was found guilty of XXXX which I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: United PanAm Financial Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Interest charges were to be 6.57 %. They charged more interest than stated. When I called and asked them, they did not have an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EOS Holdings, Inc.
State: DC
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the EOS CCA with a Balance of {$83.00} still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This letter is regarding account XXXX XXXX XXXX, which you claim I opened a store retail account. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: TX
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 recently checked my credit and discovered 4 open accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection. These accounts haven been open without my permission I have no relationship with any of these companies.

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 2021-11-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington mortgage service I was on XXXX since XXXX of XXXX I re submitted to extend my forbearance XX/XX/XXXX XXXX.pass due {$22000.00} I Was never informed that I was denied forbearance I received a letter in the mail certified thats said intent to foreclose. 
I contacted Carrington Mortgage service Informed them I received a letter fir foreclosure Custumer service rep said that my XXXXXXXX was not extended and that I had to pay totally pass due or would be foreclosed and that they sent me a letter stating I exhausted XXXX months I stated I did not receive such a letter in the mail and that online email stated the forbearance was being processed custumer service no it was denied also today XX/XX/XXXX I received the letter supposedly sent that my forbearance was XXXX  months complete yet the left stated that I voluntary canceled XXXX  this is out right lie by carrington Mortgsge as I have an email confirmation from when I applied to extend my forbearance dated from them XX/XX/XXXX Now I dont trust them at all custumer service on phone call stated they terminated because I reached XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on multiple occasions. I even sent a Multiple Inquiry Letter Removal. Equifax received my letter between X/XX/2017. I received an email saying my investigation was complete on X/XX/2017. I  received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response the same day after the receipt of Equifax receiving, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted. XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Phoenix Financial Services LLC
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: Old information reappears or never goes away

Complaint:
XXXX issues I keep running into the same issues with XXXX. I have attempted to make many corrections to the misinformation that is being constantly reported. 

First, someone reported XXXX as an alias and they took that information as accurate. 

They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses. 

I disputed a lot of the addresses and they somehow appeared again this month. 

Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA. 

I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ). 

Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ). 

I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ. 

A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training. 

Back to XXXX, new address alert - XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago. 

I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated. 

I have had a XXXX membership since XX/XX/XXXX. 

Phoenix Financial Services apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX. 

Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
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'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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:
Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing this letter requesting that my file be removed from the consumers affairs department. I was informed by the consumer affairs department that the reason I'm in that department is due to an issue that occurred in XXXX. Due to the timing and the fact that it has been long been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I ordered copies of my credit report and noticed an account with National Credit Adjusters in the amount of {$1200.00}. I immediately filed a dispute with the bureaus to dispute the debt and additionally forwarded correspondence to National Credit Adjusters to validate and verify this debt by providing signed contract information and other various debt validation information ( creditor, debt amount, what the debt pertains to, contracts, interest, fees, etc ). 

By law I am aware that dunning letters are supposed to be sent to consumers to allow them an opportunity to dispute accounts/debts within 30 days. To my knowledge, I have never received a dunning letter from National Credit Adjusters, nor can recall engaging in business with National Credit Adjusters. 

On XX/XX/2017, I received a response letter from National Credit Adjusters informing me that they were in receipt of my dispute, and that per their letter, " To properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for research and investigation. '' This response is alarming! Per the FCRA and the Texas Finance Code, by law a company should be able to validate/verify a debt, and in the event they are aware that they can not within 30 days, they need to remove the trade line from the credit files. 

By law, this information is not supposed to report on a credit file with XXXX, XXXX and XXXX unless it was substantially verified and validated with the required information as established by the FCRA. Therefore, if this was completed, 30 days is sufficient time to furnish the information to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$65.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX XXXXXXXX Balance : {$15.00} ; XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Had XXXX XXXX XXXX in XXXX indiana to transfer {$52000.00} to Jp morgan Chase bank in New York for piece of equipment. Done transfer on XX/XX/2022 that morning. Canceled it out that afternoon same day. I've been taking with bank back and forth to see if they have heard anything, but they have not heard nothing. I know Chase bank had gotten cancelation because gentleman called me and said his account was frozen. Bank said it could take up to 90 days and may not ever get it back.

Company response to consumer: Closed with monetary relief