BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This List of companies obtained my credit report without my permission or consent in hopes of getting selling and auto loan for someone who is not me. I have disputed the credit bureaus and as well as wrote the companies of this ill committed violation against me. They have refused to comply by providing the signed or written consent giving to them by me to process this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2017 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on my credit files that is inaccurate. I never attended XXXX XXXX XXXX. I do not have a signed agreement/contract with you General Revenue Corp. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately.
Name of Account : Account Number : Provide Physical Proof of Verification : XXXX / General Revenue XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Thank You,

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 2022-01-05
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, I again contacted PHH Mortgage after they did not call me back within 48 hours as promised during the hour and a half phone call with them on XX/XX/XXXX. Many times during the phone calls I requested of them to accept my XX/XX/XXXX mortgage payment. They kept refusing to accept my XX/XX/XXXX mortgage payment and demanded that I must first pay in full the deferred amounts under the forbearance plan. As shown on the PHH Mortgage website, they will CALL me before the end of the forbearance plan to discuss all options. My forbearance plan ended XXXX XX/XX/XXXX as agreed by PHH Mortgage and myself. They never called me and they now refuse the forbearance amount being placed onto the end of the loan as they previously agreed to. 
During todays phone call I asked a question I already knew, Who Backs My Mortgage. After demanding the proper answer, I was informed my mortgage is backed by XXXX XXXX. I was then informed ; Our investors are not approving your forbearance amount to be placed onto the end of the loan. XXXX XXXX website in big bold letters says ; You dont have to repay the forbearance amount all at once upon completion of your forbearance plan : Get the facts. This matter is extremely important and urgent because of the false information PHH Mortgage is tell the American people. This is nothing but a unlawful money grab taking advantage of XXXX XXXXXXXX and others who have extensive equity who may not be able to defend themselves from the unlawful acts being committed by PHH Mortgage.

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 2020-09-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stolen and used to open multiple accounts from multiple different banks. Over the XXXX XXXX Weekend. The only Bank that refuses to do any type of investigation is XXXX XXXXComenity Bank. They say they have me on recorded tapes communicating with them asking for credit from them yet they refuse to release that information to me. I have notified them that I filed an FTC report and a Police Report and they continue to give me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 3 collections on my credit report from AmeriFinancial Solutions from XXXX XXXX XXXXXXXX XXXX P A. They are in the amount of {$830.00}, {$830.00}, and {$570.00}. I believe one of the {$830.00} is a duplicate. I do not have full account numbers but they end in XXXX, XXXX, and XXXX. The two {$830.00} claims started XX/XX/XXXX & XXXX, XXXX. The {$570.00} claim started on XX/XX/2017. During this time I was on a XXXX plan and should have had coverage for all of these bills according to my insurance plan. When I found that these were on my credit report I was to work with my insurance provider because the debt had already been sold to AmeriFinancial Solutions. The reason I was told the bills were not covered is that XXXX had a record of Me moving out of `` county '' and that simply did not happen. I can verify all my addresses and they all reside in " XXXX County. '' I did not receive a single letter regarding my debt or a letter that I had debt and a way to dispute It. XXXX will not do anything for Me regarding this matter. I would like these debts removed from my credit report as they were incorrectly labeled as debt when my insurance provider should have covered the bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There are several fraudulent account & inquiries on my credit report. I have contacted Equifax several times providing police report verifying why this information needs to be removed permanently from my report. XXXX XXXX XXXX does not belong to me along with the following inquiries XXXX XXXX XXXX, & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I recently pulled my credit report from all three bureaus and noticed that Equifax is reporting my name incorrectly. I clicked on the link to file a dispute XXXX XXXX XXXX, however the link is broken and shows a blank white page. I had no issue with updating information through XXXX and XXXX online. It should be just as convenient with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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:
There are XXXX accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. 
Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I have over {$5000.00} sitting my PayPal account and they told me I will need to wait 6 months to get the funds out. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' I really need my money for personal finances and to pay my mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent in my police report and my notarized affidavit to the three credit bureaus and XXXX  I received paper work from XXXX showing they have deleted the fraudulent account Transunion keeps sending me results saying the Company verified this fraudulent account when that is not true the company XXXX XXXX provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my XXXX XXXX file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to XXXX XXXX police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information Transunion is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.

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 2018-09-27
Company: Affiliated Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affiliated acceptance Corporation is not following the laws according to the FDCPA and the FCRA.I filed a complaint ( XXXX ) and asked for validation of a debt they claim I owe them. I asked for a contract and they did not provide a contract. They refuse to validate the debt and is in violation.I have not received a dunning letter from them and they have to send a dunning letter giving me the right to dispute the debt. 
the company stated they the billing agency for another company which means they is collecting on a debt. I have never signed a contract with their company.They did not provide proof like I asked in the complaint.where is the contract because you collecting on a false debt? I formally request copy of documents bearing my signature showing that I have a legally binding contractual obligation to pay them and not a billing statement because that is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, INC.
State: NC
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've tried to access my.equifax.com website to unfreeze my credit history and the web site is down for the 3rd time in 3 days. I've called and entered all information required by the automated system and requested a text with code and text never received. I called and talked a representative and now they require letter of SS and driver license. I told the rep I needed to talk to their supervisor since their system is not working and I shouldn't have to provide this documentation due to the incompetence of their tech people to keep their web site up and running or their automated texting system to work correctly. 

After being on hold for 10 minutes the rep hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: NC
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 recently sent a dispute letter to XXXX XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX. 2019 I phoned usaa. CONFIRMING I WILL NOT BE PAYING ON THIS ID THEFT ANY MORE I REQUESTED REMOVAL XXXX  XXXX PAY INFO. from usaa rep XXXX. I DID NOT AUTHORIZE THIS PAYMENT. see attatched XXXX  XXXX WITHDRAWL. USAA POSTED A PAYMENT TO COLLECT THIS DEBT. THIS IIS D THEFT ACCOUNT see attatched ID THEFT case XXXX ** I DID NOT AUTHORIZE PAYMENT This STOLE ALL MY SOCIAL SECURITY funds for 15 days & left me with OD fees @ XXXX  XXXX. Social Securty SECTION 207 DOES NOT ALLOW DEBT COLLECTION & ID THEFT DOES NOT ALLOW COLLECTION. USAA DOES NOT ABIDE BY OUR LAWS. I could not pay my rent buy food XXXX. with my own funds. I brorrowed from my son to survive. SAD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$300.00} Needs Attention XXXX XXXX I Last reported : XXXX XXXX, XXXX + {$68.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$38.00} Needs Attention

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 2021-05-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call at approximately XXXX XXXX EST on XX/XX/XXXX from XXXX " Account Resolution Services ''. The woman stated that she was collecting a {$33.00} medical bill from a hospital visit in XXXX. 

I stated to her why I would not have any problem playing a {$33.00} bill, this is the first I had heard that it existed. I went on to ask why the original debtor did not send me any bill prior to sending it to the collection company? The woman was very rude as proceeded in stating that their company had sent me 3 statements. I stated to her that I do not have anything from them and continued to ask why if the original debtor is required to send me a statement before sending a bill to collections. Because I had received NOTHING. She became even more aggravated and told me that I should have seen in my insurance statement that they didn't cover everything. To which I questioned if it fell on my insurance company to bill me for what was not paid? I calmly ask again, is the original debtor required to send me an invoice and give me the chance to pay it BEFORE sending it to a collection company? To which the collector hung up the phone. 

I immediately called the number back and a man answered. I explained to him how I was just hung up on and requested to speak to a manager. He transferred the call to a voicemail, to which I left a message. 

I would hope that I have a right to be notified of and the opportunity to pay a bill PRIOR to it being turned over to these collection companies! Not to mention the manner in which Account Resolution Services handled my call was unexceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: MO
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 have tried for 3 months to get Equifax to show me proof that the 2 account on my report are valid and they just send me a report says it's verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was sent out illegally to other agencies and it has affected me a lot. As a military personnel, this has hindered me from purchasing a home, and obtaining other financial obligations. According to the FCRA ( Fair Credit Reporting Act ), Illegally these unverified and unauthorized items MUST be removed immediately. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX  XXXX XXXX 5. XXXX  XXXX XXXX With all the issues that have happened with these illegal items added, that has really placed me in a bad situation. XXXX. I have XXXX & XXXX, and with this happening it has really place me in my head knowing that with this happening its preventing me to accomplish things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage modification was approved and executed. Contact maintained through email and telephone. First two payments accepted and deposited. When final trial payment was made on time the payment was returned. I am concerned that this has put me past the XX/XX/XXXX final due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation