BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have sent letters to all three XXXX, XXXX, and Equifax about having fraudulent names and addresses on my credit report. I've called several times and they say they can't remove these addresses and names that are not mine and that is causing fraud on my report. By FDCPA, they are required to make sure my credit report is 100 % accurate and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I AM HAVING ON-GOING FINANCIAL MISMANAGEMENT OF MORTGAGE PAYMENT PROBLEMS. FIRST WITH OCWEN LOAN SERVICING, LLC THEN WITH PHH MORTGAGE SERVICES WHICH MERGED WITH OCWEN LOAN SERVICES @ XXXX, XXXXBOTH COMPANIES ARE GUILTY OF TAKING ANY ADDITIONAL FINANCIAL PAYMENTS THAT I MADE EACH MONTH OF MONIES THAT WERE MORE THAN THE REQUIRED MONTHLY PAYMENT WHICH I HAVE CONSTANTLY INDICATED TO BE PAID ON THE DEFERRED PRINCIPAL BALANCE OF {$73000.00} ( A BALLOON PAYMENT ) THAT I BEGAN PAYING ON IN XXXX SO THAT I WOULDN'T HAVE TO PAY A LUMP SUM OF {$73000.00} ONCE THE REGULAR PRINCIPAL MORTGAGE WAS PAID. INSTEAD, FIRST, THIS CONSTANTLY TOOK PLACE WITH OCWEN LOAN SERVICING, LLC. THEN, WITH THE MERGER OF OR A PURCHASE DEAL BETWEEN OCWEN AND PHH MORTGAGE SERVICES IN XXXX OF XXXX THE FRAUDULENT PRACTICE OF FINANCIAL EXTORTION HAS CONTINUED OF IGNORING MY STATING IN WRITING WHERE I WANT EXTRA FINANCIAL PAYMENTS TO GO WHICH WAS ON THE DEFERRED PRINCIPLE, AND BOTH OCWEN AND PHH PUTING THE EXTRA MONIES WHERE THEY CHOSE TO OR WANTED TO AS EXTRA MONTHLY PRINCIPAL PAYMENTS AND EVEN AS AN ADDITIONAL ESCROW PAYMENT. I HAVE CONSTANTLY BEEN GIVE " LIP SERVICE '' APOLOGIES AND FALSE PROMISES, EACH AND EVERY TIME THAT I HAVE CONTACTED THEIR CUSTOMER SERVICE DEPT. AND/OR ESCULATION MANAGER DEPT ONLY TO HAVE THE FRAUDULENT EXTORTION AND PRACTICE TO CONTINUE TO THIS DAY. PHH CONTINUES TO MAIL ME MONTHLY STATEMENTS WITH INCORRECT FINANCIAL INFORMATION AND FINANCIAL ACTIVITY. I HAVE EXTENSIVE, DETAILED HARD COPY WRITTEN AND PRINTED INFORMATION THAT SHOWS THE ON-GOING PRACTICE OF FINANCIAL EXTORTION BY OCWEN FROM XXXX THRU XXXX BEFORE THE MERGER WITH PHH MORTGAGE SERVICES AS WELL AS HARD COPY RECORDS FROM XXXX, XXXX TO THE PRESENT BY PHH.BY THEIR CASHING DEPARTMENTS IGNORING MY WRITTEN AND PRINTED INSTRUCTIONS OF WHAT WAS TO BE PAID WITH MY EXTRA MONIES ON-LINE AS WELL AS IN WRITING ON THE MAILED MONTHLY PAYMENT COUPONS AND IN WRITING ON MY CHECKS.THAT ARE ATTACHED TO THE MONTHLY PAYMENT COUPONS..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2018-10-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18, at XXXX, I saw a posting on XXXX ( XXXX XXXX XXXXXXXX ) for sporting event tickets. The events was a hockey game, XXXX v. XXXX, that same evening at XXXX. I contacted the seller and offered {$200.00} for the pair. The seller responded in the following way : " Yes for the pair. Payment are done with XXXX. Will need your first and last name and the email you use for XXXX ''. I agreed to the sale and sent the seller my name and email. I subsequently went to my Wells Fargo ( " WF '' ) banking app ( my WF account : XXXX ) and sent {$200.00} to the seller using XXXX. The seller 's name was XXXX XXXX and his email was XXXX. After sending the funds, I contacted the seller via email to inform him that the money transfer was complete. I waited and waited for the seller to send me the event tickets via XXXX, but I never received the goods. I sent follow-up emails to the seller, but I did not get a response. I next resorted to contacting my bank, Wells Fargo. I spoke with at least five different people at WF,  including XXXX ( an escalation specialist with WF customer service ), XXXX ( customer care team ), and XXXX ( online customer care ). In short, all WF employees informed me that their hands were tied since I was the party who knowingly initiated the transaction. I complained to them about not having fraud protection in these types of circumstances despite being a loyal customer for about 30 years and the fact that I used their mobile application to complete the transaction. They indicated that they could not investigate the fraud claim further. I informed them about the misrepresentations WF appears to make as it relates to XXXX. XXXX is heavily advertised on the WF website and app, which gives the impression that it's a reliable and protected method to send and receive currency. WF didn't appear to care about my complaints. The last WF employee I spoke with said that they would create a WF case ID number for my complaint ( # XXXX ) and that the case management executive office for online banking ( XXXX ) would contact me within 24 hours to further assist me.

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 2021-04-07
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 there was an unknown and unauthorized charge done to my account with chime bank. I have only a virtual debit card no actual physical card. I reached out to chime and they said they were unable to do anything since it was a pending transaction. On XX/XX/21 the transaction posted I then again reached out to them and they filed a dispute and stated that someone would reach out to me on XX/XX/21. On XX/XX/21 no one reached out so I called them and they said I needed to resubmit my paperwork which no one ever told me they never received and they assured me that they would issue a provisional credit for the charges. They are unable to provide me any details about the company that charged my account for {$100.00}. I asked them for a name and a number for that company and said they dont have any information. I resubmitted my paperwork and XXXX who refused to give me an employee number or anything to identify him said he would issue a credit and that never happened. I then called again and spoke to a floor supervisor XXXX who told me Im ineligible for the credit. I asked to be provided the contact information for someone higher up like their ceo or board of people and they refused. I have tried to resolve this matter and now they are saying they will have a resolution by XXXX XXXX which is XXXX months. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Holloway Credit Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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 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 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 2023-05-03
Company: Self Financial Inc.
State: AL
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:
XX/XX/XXXX I sent out a letter to self lead bank to remove an account from my credit report thats listed as a charge of this my third attempt to get them to remove this inaccurate information. This account is listed as a charge off and has already been written off as a debt. You are violating FCRA 15 USC 1681 eb for reporting information that is not 100 % accurate. Remove this immediately from my report my next step is to request a 1099c form so that I can audit and make sure you are in compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-07-31
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:
EQUIFAX IS CURRENTLY REPORTING A BANKRUPTCY ON MY CREDIT FILE THAT IS NOT REPORTING CORRECTLY, I HAVE PREVIOUSLY DISPUTED XXXX XXXX XXXX WITH EQUIFAX AND XXXX AND IN RESPONSE THEY BOTH VERIFIED THE ITEM AS ACCURATE. STATING THAT THEY HAVE VERIFIED WITH THE COURTS. I CONTACTED THE COURT AND THERE RESPONSE WAS BY LAW THEY ARE NOT ALLOWED THE VERIFY ANY PUBLIC RECORDS WITH 3RD PARTY VENDORS SUCH AS XXXX OR EQUIFAX. IT IS CLEAR THE UNITED STATES BANKRUPTCY XXXX DOES NOT REPORT TO EQUIFAX OR TRANSUNION.THEREFORE EQUIFAX AND XXXX EITHER AN ERROR OR A LIE.EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C & 16811 ) AND THIS INFORMATION MUST BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Was not notified of investigation status or results

Complaint:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: Atlanticus Services Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XXXX, my card was suddenly not working. The company said that It was lost or stolen. Which I never reported. I have requested a new card 3 times and never received. Received an annual fee and inquired. The account was closed without my confirmation and they want a annual fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking account with BofA, was closed and reported as fraudulent activity. I had {$100.00} stolen from me, as well as fraudulent checks deposited into my account by a company I was using to obtain employment. My checking account was closed due to fraud activities that I was a victim of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX, the supervisor at XXXX threatened me directly in regards to my auto loan. I have been fighting this with Hyundai, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what Hyundai is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.

Company response to consumer: Closed
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NJ
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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