BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, XXXX, Equifax and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN
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:
I had a line of credit with OneMain Financial and paid off my entire balance in the fall and have never missed a payment. In XX/XX/2018, I received a statement for {$50.00}. I called and talked to one of their Customer Care Representatives and was told it was an annual fee for having an open credit line. I told him I didn't want one and he advised he was going to remove the {$50.00} annual fee and close my line of credit. In XX/XX/XXXX I got another statement now showing that I was past due, again I called and spoke to a female. She apologized and stated she was going to bring this to her Supervisor and have it removed and assured me this was going to be taken care of. Now in XX/XX/XXXX, I got another statement and now I am being reported as past due. I called and spoke to XXXX another representative and she told me she didn't show a balance and couldn't help. She refused to give me to their credit dispute department. I finally asked for a supervisor, XXXX XXXX and she apologized and said the past reps actually didn't do anything even though it was showing why I called. She said it would be removed but takes 21 days and wouldn't help remove the negative reporting. I want a letter stating I have a XXXX balance and my credit updated immediately as I will be looking to relocate and need my good credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Ocwen Financial Corporation
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ocwen Loan Servicing LLC is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. Ocwen has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called Ocwen and they are telling me they have zero information on my account. I called XXXX  and the other two credit bureaus and they both are laying the blame on Ocwen. I filed a complaint with XXXX in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what Ocwen has been doing as they have my full late payments listed as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX IN XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : 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
Consumer complaint received 2020-06-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted USBANK Customer service in mid XXXX, i informed them that I am a XXXX  and impacted by Covid. They said we will give you 2 month deferal and then work with you after if needed to lower payments, etc once they have those plans if any in place. In XXXX i get aggresive collection calls, abusive, telling me, they don't care that covid exists and i am behind two months now, and will ruin my credit unless i make huge payments.They said they don't care about any arrangements made, they don't see it on their end. I paid over XXXX dollars on two credit cards to prevent this when i had no money for other living expenses due to covid. they charged and failed to waive late fees and large interest charges on two of my accounts. I emailed the VP and the local branch, he had his assistant make a few emails and he told me the same thing, pay up get caught up then you can ask for help, well that defeats the purpose. i told him i can't have my credit impacted, he said thats not his job, or worry. I have all the emails, when i said i will complain they stopped responding.

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 2020-12-04
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: Investigation took more than 30 days

Complaint:
( XXXX ) XXXX < -- - PHONE numbers are NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ADDRESS HAS NOT BEEN CORRECTED, NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$600.00} XX/XX/XXXX U.S. DEPARTMENT OF EDUCATION XXXX Collection account. {$5500.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ACCOUNTS are NOT MINE.

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 2020-12-04
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:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible. I have been trying to get this matter handled for several months now and the credit bureaus are not giving me much help.

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 2023-02-21
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. following XXXX XXXX  XXXX XXXX Balance XXXX  ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance XXXX  ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  {$1600.00} ; Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Date Filed XXXX. 
XXXX, XXXX Reference Number XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2018-04-12
Company: HSBC NORTH AMERICA 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: Account information incorrect

Complaint:
Account shows late payments for both XX/XX/XXXX and XX/XX/XXXX. This information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to Nationstar Mortgage XXXX d/b/a Mr. Cooper in the middle of XX/XX/2021. I received a notification latter about this dated XX/XX/2021. The sale happened when I was selling the house, and the house was already in escrow. My escrow agent and myself had submitted multiple requests to Nationstar Mortgage XXXX d/b/a Mr. Cooper to provide the payoff statement and routing information to close the sale, but still did not receive the requested info. The requests had been submitted in XXXX and in XXXX. Despite all the efforts and an obligation to provide the payoff statement within 7 days from the request, Nationstar Mortgage XXXX d/b/a Mr. Cooper continues to claim that information is not available. It is obvious that the actions of Nationstar Mortgage XXXX d/b/a Mr. Cooper can be qualified as a refusal to accept payment. As a result of this delay, I am loosing money paying for the house for which the buyer already deposited money in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 Charge from XXXX XXXX XXXX for {$300.00} on a card that had been blocked due to fraudulent activity. I had previously had Chase successfully dispute the initial portion of this charge as it is for an installment payment on an item I never received. I gave Chase this information multiple times over the phone and in writing. Chase first claimed they would handle it, then claimed they never received the dispute, and ultimately claimed that it was processed too late for them to do anything about it. I have submitted statements to chase after numerous phone calls. 

XXXX {$750.00} from XXXX I had chase successfully dispute {$310.00} of this and requested that they dispute and remove the {$450.00} balance as the vendor had not provided the insurance, restitution, or services included with their shipping plan. I sent Chase the receipts showing the damages that I incurred and offered to send them chat scripts and e-mail information. Chase never followed up or contacted me with regard to these items. Once again, after not properly handling the dispute or following up in the manner that they are required to and advertised, they closed it out and claimed that it was too late do anything. I made numerous phone calls to them. They didn't even promptly let me know they had closed the issue out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: PNC Bank N.A.
State: IL
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:
A LOAN WAS OPENED FROM PNC BANK ON XXXX OF 2019 FOR {$26000.00} WITHOUT MY AUTHORIZATION. NO RESPONSE FROM COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: FL
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: Information belongs to someone else

Complaint:
I always have problems with experian when ever I attempt to obtain a credit report. 
They keep some erroneous addresses on file for me, which in the past I have told them to remove, and they use these to block my online access to my credit report. 

I sent them a written request and they followed up with a copy of my report. ( XX/XX/20 ) They also included a pre-filled Dispute Form, which included an incorrect Date of Birth.

Their record of my date of birth in the credit report was accurate, but they were 30 yrs out on the Dispute Form. ( Is this regarded as " Close enough '' ) Is it reasonable to expect a modicum of accuracy from Credit bureaus like experian, or can that basically put whatever data they like both in personal files and also on pre-printed forms? 

In my experience, there would appear to be a lack of attention to detail, but possibly they don't really care.

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 2017-09-19
Company: EQUIFAX, INC.
State: GA
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 enrolled in the Equifax fraud protection program on XX/XX/XXXX as a result of the security breach affecting millions of Americans. 

The website said to wait up to a few days for an email with next steps. Today is XX/XX/XXXX and I have n't received an email. I have checked my spam and trash folders. 

I called the Equifax hotline. Totally useless, no information, referred me back to website. Could n't check on status. Could n't tell me how long to wait. This hotline is itself a fraud. 

I want to know the status of my enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
It's a shipping service called " XXXX XXXX '' used by a cattery. Based on contract they charge me {$950.00} in total for cat & shipping on XX/XX/XXXX. On XX/XX/XXXX they ask $ XXXX+ {$1000.00} for vaccine, rental of crate and insurance, which is not on contract and claim to be refundable. On XX/XX/XXXX they claim my cat is dead and promise {$8000.00} full refund, but another {$1200.00} processing fee. Afterwards they cut off my call or email, vanished with money. I called Bank of America for help immediately, try to revoke these four transactions, providing receipt, refund document, payment detail, email evidence. On XX/XX/XXXX they deny my claim, saying the receipt of service/merchandise must be solved by myself with merchant but like I said I can't connect merchant. They are in another state and don't reply my email or call.

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 2019-12-10
Company: ENCORE CAPITAL GROUP INC.
State: WA
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 asked this company to properly validate this debt or please remove from my credit. They did not properly investigate the account. I want this inaccurate info removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is reporting a never late payment account as " paid for less / paid in full ". Its reporting under a negative rating and effecting my score. The lender said and I quote '' experian should not be reporting paid for less. You have made you complete obligation in full and on time. Experian has a history of trying to keep me in the red. I have almost a perfect credit history.Experian has always been dishonest from my experience

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus

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