BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am upset because I wasnt able to get any money from the equity I have in my home. My house was appraised for {$170000.00} and I only owe {$59000.00}. I want to borrow at least {$40000.00} to do some on my house ; so, the value will go up in my house. I also tried to explain to them I was tax exempt from real estate taxes. My credit score has dropped tremendously because Ive been trying to borrow $ $ on my own. Its sad when you cant get no one to help you when you need it the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT.

I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2018-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Using certified mail, I wrote in a request to investigation into items that are being reporting on my credit file I believed were obsolete. The company has failed and yet to forward me sufficient documents pertaining to my those item. 

The action that has been taken has been done. Other than keep sending me computer generated responses/results of " still pending '' This has been an ongoing battle with these companies for well of 3 months.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2021-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo denied a {$5000.00} claim.. Will not help me get my money back from a dead end merchant that I can not get ahold of. I filed police reports and closed my accounts, changed my online banking info $ & got a new debit card. They state that I made no attempt to drain my account, when I specially told them to close it and lock it!

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 2020-09-18
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved into this house renting it, was there for 3yrs. never missed or been late for my rent.Getting repairs done was a big issue thru the way you had to email a request and wait to be contacted.on one time I called daily trying to conferm the work order. the company recognize my phone number.they would not answer my call. so I used my daughter phone the call was answered the second ring. I had to clean the house to move in or pay rent at the apartment I was moving from. this place already had my money.first week refrigerator broke, lost all my food.they would not replace.door knob broke, took about 2weeks to fix, toilet broke took almost 6days, air condition broke took 3days to fix, I didn't have a rep for 2years I know of. Finally a rep contacted me during the time the door knob was repaired. I never met him face to face, eventhough I asked to meet with him to discuss somethings that I was facing he told me he lived 1 1/2 hours away.my health started to flair, XXXX, and other symptoms started to surface. well the air condition went out again, this time it was a major fix. this is during summer time very high temps.3rd day a handyman showed up with a very small air condt. from XXXX XXXX or XXXX XXXX iam guessing. it did not cool the house only the living room with 4celing fans and 3 floor fans.without the air Black Mole started to surface by this time XXXX XXXX XXXX  and all kinds of med.i was not on XXXX until I moved here.my renew contract was for XX/XX/2019 XXXX XXXX contacted me to try and get me to renew, he told me please don't turn in my notice he was going to do what ever it took to keep me. I told him it was to late I had been thru too much.he said to me, I understand I'll start to show the house the end of XXXX. I told him that was fine air broke XXXX XXXX and was still not repaired when I moved XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, and XXXX are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on 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 non-monetary relief
Consumer complaint received 2017-12-17
Company: Navient Solutions, LLC.
State: AR
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:
I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Inaccurate late payments are showing on my credit file. This has caused me tremendous stress. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.

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 2020-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I check my credit profile on Experian regularly due to having been a victim of fraud in the past. I checked my Experian info. on Monday morning XX/XX/20. No problem. When I returned home at night, I checked my info, it said Experian updated my new email address. I didn't add a new email address. So I went to Experians website to log in and it said it didn't recognize my user id and password. And just like that, here I am again. I can't access my own information on Experian. I tried to freeze my account, and it said it couldn't do that. So I froze my account using XXXX  and XXXX. I did this on XX/XX/20. They have people you can talk to when you call, not Experian. So I locked my credit and froze my accounts using XXXX  and XXXX  and can not access my account on Experian. All of the phone numbers at Experian lead to nowhere ... .no human contact. No help available. Using XXXX  XXXX XXXX, I can't even pull my credit report for Experian.

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 2020-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, XXXX  and Equifax. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
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:
I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : Transunion, XXXX  and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.

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 2022-11-29
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
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: Account status incorrect

Complaint:
The information currently reflecting on my personal credit from the Department of Education-DEPTEDXXXX is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

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 2023-07-30
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The week of XX/XX/2023 I received a credit declination letter from XXXX XXXX XXXX, which obtained negative and inaccurate information from Early Warning Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I settled a debt with XXXX  XXXX which works with chase I believe, I was making payments on time and there was an issue with my job so I called to scheduled a payment later than what they had said and they agreed but not only that, they were charging triple and I had already made payments before but they couldnt see it on their report. When I was going to make the payment on the date that I had told them, I no longer could make the payment. I tried contacting chase but said my account was not found. I also to date I have not received letters from them stating my new balance or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Navy Federal reported there was no fraud noted in XXXX of 2021 when a XXXX transfer of {$290.00} was sent from my account to another. 
Within 24 hours of the transaction my XXXX account was restricted due to fraudulent behavior noticed by XXXX, before a report was made on my end. 
Navy Federal stands by its claim that no fraud was committed, refuses to perform a charge back to the original account, refuses all calls from my phone number regarding my issue, and refuses to speak with XXXX in any attempt to unrestrict my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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:
I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the items and they still have not removed them. I filed an identity theft report and a police report.

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 2022-02-03
Company: SUNRISE CREDIT SERVICES, INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has reported this paid debt to my credit report without notifying me of the debt. They have an incorrect mailing address and will not send me notification of the debt despite me contacting the company to provide my correct address. I have paid the debt and submitted verification of this to them and the previous debt collector on this account, Sunrise Credit Services. Sunrise Credit Services knowingly sold a paid debt to another debt collector!

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 2022-12-25
Company: Experian Information Solutions 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 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 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 explanation
Consumer complaint received 2019-08-13
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My {$100000.00} cashiers check is " lost '' after LoanCare LLC received it via certified mail. One week has gone by and the company has asked for my receipts.

Prior to sending our principal payment, we called LoanCare LLC to understand the process for making large principal payments. Although we preferred electronic payment using their own website, we were asked to send the {$100000.00} cashiers check via mail. We verified the approached and the address with them prior to making this large principal payment. We sent a {$100000.00} cashiers check with the account number on the check via certified mail to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

We documented the process with pictures. After 1 week, they still have not credited the account even though the certified mail shows that they received and signed for the check.

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 2020-10-21
Company: SYNCHRONY FINANCIAL
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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