BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: PR
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 a 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 2017-10-28
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX XXXX, at approximately XXXX hours, I was at my local XXXX attempting to buy cleaning supplies. Unfortunately, I learned at that time that my card was declined. I had just been paid XXXX days earlier, so I knew there was some mistake. I 'd been sick and my charges were very localized to XXXX XXXX, XXXX XXXX Now, my son 's lunch money account, and that pretty much covers the charges in these last few days. When I called NetSpend using the number on the back of my card, and was not given any reason why approximately XXXX had been removed from my card, unaccounted for, and why my account -- which was XXXX years old -- was shut down. 
Several Netspend customer service reps said that Netspend was not responsible and XXXX -- their cards ' issuing bank -- was responsible. For XXXX to XXXX hours on the phone, we were transferred to customer service reps who lied outright or prevaricated. At XXXX point, XXXX customer service rep purposefully forwarded us to XXXX XXXX which requires a card number to even proceed. Ultimately, the system hung up on us as we were on the line with a XXXX rep who was listening. We also had both reps on the phone and they were caught in various deceptions. 
We were told that a check with my money -- they talked to both me and my wife -- would be sent in XXXX business days, but according to other consumers, this may be a lie : XXXX XXXX XXXX When we finally received some sort of answer, we were told that his account was locked for fraudulent activity, which is a lie. We spoke to supervisor XXXX, employeed ID # XXXX, and she indicated that XXXX is not responsible but Netspend is. Netspend said the reverse was accurate.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-05-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I applied for and received an ad valorem property tax exemption from the XXXX XXXX XXXX XXXX for a total and XXXX XXXX tax exemption. 
I called PHH Mortgage on XX/XX/XXXX to advise them of the XXXX exemption because they were charging me for county taxes in my escrow payments. I was advised to send a letter to their tax department at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, which I did, including our address and loan number as well as a copy of the letter of exemption from XXXX XXXX. 
By XX/XX/XXXX, I called them to ask what the status was, and was told that they had no record of having received any such correspondence. I was told to email the information to : XXXX I emailed them a copy of the aforementioned letter from me as well as the XXXX XXXX XXXX XXXX letter of exemption. I also sent them hard copies to the Tax Department in XXXX XXXX XXXX, this time return receipt via USPS. 
I called PHH Mortgage Services again on XX/XX/XXXX, and was told they still had not received any information, regardless that I had the signed receipt from them. I was transferred to an Escalation Manager named XXXX, who promised me that he would personally look into the situation. He asked me to email him all of the information to : XXXX and promised to call me by XX/XX/XXXX. 
On XX/XX/XXXX he left a message on my phone, and I called him back at XXXX XXXX, and got voicemail, and left him a message. On XX/XX/XXXX he called and left me a message again, and when I called back I got a woman who said she would assist me. 
She called the XXXX XXXX XXXX XXXX while I was on the line and was told that my taxes for XXXX would be XXXX, and there were no ad valorem assessments on my property. 
The lady at XXXX then told me that they would continue to collect the tax escrow monies until that time, and then, and only then, if there were no taxes due they would reimburse me for the monies they have been charging me for taxes since XXXX, XXXX, the yearly total would be {$2800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be zero, exactly zero reason to sign paperwork on a loan more than 23 years old. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be XXXX  and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit collection services states I owe two medical bills which are showing on my XXXX credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to XXXX credit bureau and the two collections are still on my credit report after disputing three times. XXXX says their dispute results are verified when they can not be because the credit collection company can not verify this information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: FORD MOTOR CREDIT CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is Ditech. About XXXX month ago I received a notice that my escrow account is short ( XXXX they spreading the XXXX in XXXX  months ) I did not have the money to sent that amount in which now resulted in my mortgage going up from XXXX to XXXX. In the XXXX years I live in my home, I never pay that much in my mortgage.I 'm currently not working and my last paycheck this pass XXXX was use to pay my mortgage. This mortgage company never in advance advised me that my escrow was low. Had they said something, I would of sent them extra from the beginning. I 'm struggling right now and not sure how I will make my next payment. I never have miss a payment on my mortgage and now I feel like I 'm being forced out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2020-12-18
Company: Social Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sofi Lending has opened a personal loan in my name to someone who is not me. I have sent them notification that I am a victim of Identity theft and to removed the unauthorize account from the credit agencies. I have provided them with a copy of my driver 's license, proof of residency, a report I filed with the FTC and a copy of the police report. They have refused to remove the item from the credit departments. I have supplied them also with an affidavit signed by me that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/22 I bought a {$200.00} Vanilla Visa Gift card at a local XXXX + {$5.00} activation fee. I sent the card to the recipient. She informed me the 16 card number was incomplete. 5 of the 16 digits were wiped off. The package was not tampered with or opened incorrectly. Without the code the card can not be used and the electronic bar code demonstrates that the card is damaged and does not show the {$200.00} is on the card. On or about XX/XX/22 XXXX contact InComm Financial Services Inc at XXXX and spoke to a representative. I provide the information for replacement. The rep sent me the email address XXXX. I sent the required information, name address, copy of receipt, copy of damaged card, and my drivers license. The rep gave me the case number : Case # XXXX. I was told I would get an email reply confirming receipt and a new card. 

I have email the company 3 times and can not get any reply, even telling them I am filing a complaint and still nothing. 

XXXXXXXX XXXX, with license from Visa USA distributed by XXXXnComm Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed two other complaints about the correct balance owed on the mortgage. 
complaint ID XXXX & XXXX The company gave me credit for other amounts that I proved was not on their records of payment history. I have two additional payment totaling XXXX. 

The company is holding a lien on my property and have not provided me with a accurate balance of amount owed. I have tried working with them to settle this matter and feel like it is in violation of my rights for me to have to continue looking through old records to find missed payment and come up with a accurate balance of what is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The company XXXX XXXX or XXXX XXXX is extremely predatory. They put my loans into multiple websites that require different logins. This is unacceptable behavior that prohibits proper tracking of payments and effects peoples ability to properly pay untime and effect their scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CORELOGIC INC
State: CT
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 contacted Company XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

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 2020-12-18
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB - AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent out multiple letters for some of the accounts I'm seeing on my credit report. It has been well over the 30 day window. I sent letters to the bureaus on the following dates : XX/XX/2021 XX/XX/2021 Just need to know if anyone has heard anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Southwest Business Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was in forbearance due to Covid 19. 
I've contacted the mortgage company several times to defer the owed payments per the Cares Act and allow me to restart my monthly payments. 
The mortgage company has not done so, and has informed me my forbearance period has ended and all payments are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I attempted to reach out to a TransUnion representative. When I spoke with them via Phone I explained that I have been a Victim of their Inquiry issue. Explaining to them that those inquiries on my report weren't accurate. Below are the inquiries that I was trying to get removed from my credit report. 

1 ) XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 5 ) XXXX inquiry from XXXX XXXX XXXX ) XXXX inquiry from XX/XX/XXXX 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
Consumer complaint received 2018-01-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX SHOWING AS OPEN ACCOUNT AND PAST DUE AMOUNT ON CREDIT REPORT. ACCOUNT WAS DISCHARGED IN BANKRUPTCY AND CLOSED. PROPERTY HAS SINCE BEEN SOLD AND NO LONGER IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Southeast Toyota finance company has charged this debt off. They have repeatedly increased the balanced. They continue to harass me with threatening phone calls after Ive told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, Lexis Nexis. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home. 

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>

Company response to consumer: Closed with explanation