BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: TN
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:
AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.

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 2017-09-20
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am contacting your office to file an official complaint against Ocwen Loan Services, LLC. in regards to my current mortgage. This has been a ongoing problem from XXXX. Ocwen has continues to add corporate advance fees for service related expenses. In my case, these expenses are doubling, and sometimes tripling in the same month, for the same things. Such as, Property Inspection, Property Maintenance Expenses, and Certified Mail Costs and Property Evaluation expenses. 

I am aware that my loan is delinquent by two months. However, these costs are outrageous, unfair, deceptive, and abusive acts and practices which has driven my mortgage to almost {$11000.00} in extra fees. I have contacted Ocwen about these charges asking that they show proof as to why all of these charges and expenses are occurring on my account. 

The latest expense report received from Ocwen was on XXXX/XXXX/XXXX, for property maintenance expenses totaling {$1200.00}. Also on that same date, I received another property maintenance expense in the amount of {$260.00}. Additionally, there was also another property maintenance expense in the amount of {$24.00}. These are just three of the five ( 5 ) EXAMPLES of an ongoing situation throughout the loan. 

I am attaching supporting documentation for your review of numerous invalid charges that can not be supported by this company 's actions. After exhausting all of my options with Ocwen in the past, from loan modification, to a short payoff settlement offer, I have had no success in dealing with this company. They have lied, and I have additional documentation supporting this. My main concern right now is to have these extra expenses deleted from my account. In this effort, It is my hope that assistance is received and justice is fully served under the Federal Consumer Financial Law. 

I am XXXX XXXX XXXX and do not have access to computer. Therefore, I would like all of my correspondence mailed to me at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: TN
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:
AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: LDF Holdings, LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX calls me and my girlfriend about 6 times a day, about 20 times in the last week. I called to find out the frequency of the calls and was hung up and continuously put me on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Re : Request to investigate and delete Bankruptcy Dear Sir or Madam : While checking my consumer report with LEXIS NEXIS Consumer Disclosure Report I noticed a bankruptcy. This is a formal notice that you are in violation of the FEDERAL FAIR CREDIT REPORTING ACT and THE FAIR COLLECTION PRACTICES ACT. You have failed to verify the validity of this claim. Having this bankruptcy reporting a public information lead to derogatory information reporting to my credit reports with XXXX XXXX XXXX XXXX The FEDERAL FAIR CREDIT REPORTING ACTS ( FCRA ) states " a third party data furnisher can not sell, transfer, or report information. Records show that Chapter XXXX Bankruptcy was filed XX/XX/2017 case:XXXX. I have no knowledge of how this bankruptcy reported to LEXIS NEXIS Consumer Disclosure Report. You are not at liberty to report or verify the validity of this claim. I contacted United States Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They specifically stated that they do report information to credit bureaus nor do they sell or transfer information to data furnisher. You are entilted by federal law to conduct a reasonable investigation into this claim. You are also in violation of a number of federal laws that were created to protect consumers : defamation of character, illegally selling and reporting information to data furnishers. Having this bankruptcy reporting on my lexis nexis consumer disclosure report is a misrepresentation of my true credit worthiness as it as affected my FICO SCORE with the credit bureaus. You have no means to verify the validity or accuracy of this bankruptcy due its origin being illegally reported and sold to other data furnishers on your behalf. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, State and Local advocacy group, and The Attorney General. I request to receive notification via mail once the investigation has been concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 submitted a request to look into a delinquency on my report. The information on it was incorrect. That was on XXXX XXXX. It is now XXXX XXXX amd i have not recieved any info on it. Its supposed to be removed from my report after 30 days if i dont get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As recently notified, I am a victim of identity theft

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 2019-03-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is in regards to the previous complaint. The bank responded that the bonus would be credited to my account by XX/XX/XXXX. As of today, I haven't seen the bonus yet. Please refer to their response attached. 

To be more specific, I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.

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 monetary relief
Consumer complaint received 2019-03-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a happy Wells Fargo customer and doing everything right. Then out of the blue, Wells Fargo calls me and says due to IRS deposits coming in, they had to close my account. These deposits were from my kids. I was told that I can have their info sent to my account. I was told that because I didn't add them to my account as a signer, they can not accept the money. I am now out {$6400.00}. I am very unhappy about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NV
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:
Myself and my XXXX signed a home lease with XXXX XXXX XXXX in XXXX. I was removed from the lease as a cosigner in XXXX, to my understanding. I am a victim of identity theft committed by a close family member. I did not become aware of this until XX/XX/XXXX, when XXXX XXXX XXXX contacted me via phone to collect a debt. I explained I would like a validation letter to see the accusation of debt, and this was not my account ; I was no longer associated with the lessee, nor do I have any business relations with XXXX XXXX XXXX. XX/XX/XXXX : XXXXXXXX XXXX  failed to send the proper documents without any factual evidence or proper investigation. Credit reporting agencies XXXX, XXXX, and Equifax have violated my FRCA rights under 15 U.S. Code 1681i, 605B Block of Information Resulting From Identity Theft. The credit reporting agency has not taken the proper steps to investigate this collection. I have submitted every document to support my dispute, including my current address, my identity, and a FTCA report with the identity theft agency. Still, the credit reposting agency has not provided me with any evidence of their investigation as to why they believe this is my debt. I have since then put a freeze on my consumer report as an identity theft victim report about this matter of my social security being misused and abused without my verbal consent or written notice. Since reporting this matter with the credit reporting agency, this has been an ongoing problem that has brought me stress, XXXX, and suffering. Please assist me with this problem. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have found an account from JEFFERSON CAPITAL SYSTEMS on my credit report that is in violation of the Fair Debt Collections and Fair Credit Reporting Act. I have filed a dispute with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid XXXX XXXX XXXX On XX/XX/XXXX I paid XXXX for my account with Ally XXXX confirmation number So Ally reported to XXXX I made a partial payment that took my credit score down XXXX points this is in correct Will you help me to finally complete this item off my credit.

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 2023-01-09
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: PA
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 and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX RXXXX XXXXG ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 non-monetary relief
Consumer complaint received 2018-05-25
Company: Asset Management Outsourcing, Inc.
State: GA
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:
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company XXXX XXXX to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing LLC has refused to process my last payment in the amount of XXXX in a timely manner. Ocwen is improperly charging me additional interest by not processing my payment. Additionally, I have no acknowledgement from Ocwen of having their received this payment. 

On XX/XX/XXXX Ocwen Loan Servicing, LLC sent a a typical monthly Mortgage Account Statement to me showing a principal balance of {$130000.00} for a first mortgage for my property.

On XX/XX/XXXX Ocwen received a personal check from me in this same amount, delivered by USPS Priority Mail with delivery confirmed by tracking number.

On XX/XX/XXXXI noted that : 1 - my check had not yet been returned to my bank 2 when I logged into my Ocwen account online, my account balance in did not reflect this payment.

I then emailed the Ocwen Ombudsman asking why my loan balance was not reduced by the above payment amount.

On XX/XX/XXXX I logged into my online account at Ocwen and noted that my payment still not posted to my account.

On XX/XX/XXXX I received a Verification of Mortgage Account letter from Ocwen that I had requested showing the balance due on the loan was unchanged from the XX/XX/XXXX statement amount.

ON XX/XX/XXXX I issued a stop payment for the check that Ocwen had received on XX/XX/XXXXand then made two payments to Ocwen by XXXX XXXX XXXX totalling XXXX.

On XX/XX/XXXX the aforementioned amount was deducted from my personal checking account.

As of this writing my online Ocwen account still shows the same loan balance as stated on the XX/XX/XXXXstatement.

I feel that Ocwen is delaying processing my payment in order to continue charging higher per diem interest than would otherwise be due if my payment had been processed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of Transunion inquiries issue and their customer service wont want to help me to remove them. 

1- XXXX XXXX - inquiry from XX/XX/XXXX 2- XXXX/XXXX - inquiry from XX/XX/XXXX 3- XXXX/XXXX - inquary from XX/XX/XXXX 4- XXXX/XXXX - inquiry from XX/XX/XXXX 5- XXXX/XXXX - inquiry from XX/XX/XXXX 6- XXXX/XXXX - inquiry from XX/XX/XXXX 7XXXX XXXX - inquiry from XX/XX/XXXX XX/XX/XXXX

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