BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
Ive noticed that its inquiries on my report that I havent applied for and would like them removed immediately from XXXX bank XXXX and navy federal XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan that was serviced by Ocwen Federal, this was back in early 2005 I was recovering from injuries I suffered in a HATE CRIME! I was trying to keep my property out of foreclosure. Owen Federal was claiming I owed more than really was owed? I tried to tell them there figures were wrong but to no avail they foreclosure ans I lost my home! 
The address of property is in XXXX  CaliforniaXXXX XXXX  XXXX  I haired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid him {$2500.00} Cash and he did nothing to help took my money and I tried suing him I'm Small Claims Court. But lost and judge awarded him {$5000.00}? 
What Ocwen Federal refused to do was contact HUD that had set me up on a program to keep my home paying 90 % of my mortgage they claimed I was not assisted by HUD foreclosure and took my property! I was trying to stop Owen but they were very unwilling to help or contact HUD they got away withy home worth {$100000.00} at time! Over these many years I have lost most paper work but I will contact HUD for any information they have.I LET MY FAMILY DOWN I KNOW I WAS RIPPED OFF BY OCWEN FEDERAL! 
THANK https : //files.consumerfinance.gov/f/documents/20170420_cfpb_Ocwen-Complaint.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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: Information belongs to someone else

Complaint:
THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2020-07-17
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. A refund check in the amount of XXXX was sent from the city of XXXX, VA for my benefit to Dovenmuehle Mortgage Company to be disbursed to me approximately XX/XX/2020. 
2. As of XX/XX/2020 there is no check. Ive made over 75 phone calls regarding the status of my check. I spoke with numerous customer service representatives ; Ive discussed the matter further inherently speaking with at least three of the same supervisors twice. There were so many stories as to why I have not received my check : I was told it was sent out XX/XX/2020. The customer service rep said it will take 30 days before they could cut another check. Around XX/XX/2020 I called to check the status, customer service rep said they had to research it ( Not sure what they were doing for 30 days? ) I called several more times, they came up with these stories : It was sent out. Its processing. I dont know. I will call you back. I will expedite it. No one in that department has responded. We were out because of COVID-19. They are looking into it This mortgage company only recently began to use COVID_19 as an excuse.. 
3. This money was desperately needed to assist me with clearing up my debt for my security clearance and to obtain a hiring position. I told XXXX XXXX XXXX XXXX   I would have my outstanding debts paid down. Due to this companys lackadaisical attitude, incompetence, reckless and total disregard for me as XXXX veteran and that I care for a wheel-chair bound sibling ; I loss a position that I was being looked at for promotion ; Im now being looked at for demotion due to my financial responsibilities that were not completed due to my funds being withheld. Had this mortgage company return my refund check in a timely matter, I would have a promotion instead of being on the brink of being unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: OH
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 spoke with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX regarding this debt-the obligation is not my debt. The debt was incurred solely by my wife while I resided elsewhere. The property was not in my name-she is/was sole owner. I have filed objections several times with the credit bureaus and no action.

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 2019-06-30
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:
My Trans Union credit report is showing an account to be open with a balance that was included in my bankruptcy. The account in question is XXXX. I have tried to dispute this information with Trans Union on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Each time they verify that it was included in bankruptcy but the account still shows open with a balance on credit report. Is there any steps that I can take to make sure that my credit report is accurate?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV - AKA Resurgent - Reporting XXXX  XXXX - XXXX I have spoken to XXXX XXXX - There is NO ACCOUNT in collections - I have 5 XXXX   XXXX Accounts all with perfect history LVNV - According to court records, This is not their name - They went Bankruptand have hundreds of complaints and lawsuits * They report NO acct number States acct opened in 2017 - I was hospitalized the entire year XXXX XXXX would not grant me credit if this was true * I asked LVNV to furnish me any and all documents IDS, SS Card or any other DOc - I would file ID THEFT if they provided This is NOT the 1st time they have reported fraudulent info on me and maybe someone inside their organization - Please delete this account from XXXX XXXX, XXXX immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Army and Air Force Exchange Service
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received an email notification on XXXX XXXX suspending my account and falsely threatended to contact commanding officer to pressure to pay debt. This a unfair and deceptive act that violates federal consumer financial laws.

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 2019-06-30
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: Information belongs to someone else

Complaint:
There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 3 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 4 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - 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 2019-06-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Macys had a glitch in there system on XX/XX/2019 and charged my card for an order I never placed. Called them several times even went to store and sat with store manager proving that item was never purchased. My credit card is {$340.00} over the limit now. They told me if would take 2 months to fix problem. I have spent days trying to resolve the problem. Macys credit does not care. I got notification my credit score went down 30 points for being over my limit. Macys needs to resolve this problem. There unwillingness to repair the damage they have done to me is distresssing.

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 2021-11-11
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: Investigation took more than 30 days

Complaint:
I mailed a dispute letter via Certified mail regarding several erroneous accounts showing on my credit report on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not heard back from the XXXX Regarding these disputes. 

Per the FCRA laws, XXXX must complete their results within 30 days of receipt of my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2020 I started the process of refinancing my mortgage with NewRez LLC. On XX/XX/2020 the appraisal was ordered, which I paid. Since that day, I've heard from the mortgage company, maybe 2 times. I've called multiple times, left multiple messages, sent multiple emails to XXXX XXXX and XXXX XXXX with no response. Nothing, no call, no email. It's now XX/XX/2020 and still nothing. I have no idea what's going on with my refinance. They've already extended the lock in rate once, however, that was a month ago. I would like for someone to explain to me what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: ND
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 2023-05-30
Company: EQUIFAX, 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:
I am writing a complaint to address a critical matter regarding an account that has been inaccurately reported on my credit history. It is imperative that prompt action is taken to close the account and remove it from my credit reporting, along with any negative information reported after the closure date of XX/XX/2015. 

I want to emphasize that this account has been inaccurately and illegally reported as " current '' despite being closed on XX/XX/2015. The account 's payment history and remarks contain multiple instances of incorrect and misleading information. Such reporting not only fails to comply with the requirements outlined by the Fair Credit Reporting Act ( FCRA ), but it also grossly misrepresents the true status of the account. 

Given the age of the account and the fact that it was current when it was closed down, it is imperative that this matter be promptly rectified. I hereby demand the immediate closure and removal of this account from my credit reporting without delay. This action is crucial to ensuring compliance with FCRA requirements and maintaining the accuracy and integrity of my credit history. 

I anticipate your urgent attention to this matter. Please take immediate action to close and remove this account from my credit reporting. I expect written confirmation once this action has been completed to ensure its swift resolution. 

Thank you for your prompt attention and cooperation in resolving this matter satisfactorily. I trust that you will act swiftly and responsibly to address this issue in accordance with the requirements of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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: Information belongs to someone else

Complaint:
False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX : 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 2019-06-30
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX : 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 2017-12-17
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: CT
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:
Complaint against : XXXX XXXX XXXX, XXXX, XXXX  and Experian I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} XXXX {$8400.00} XXXX. This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C. 
THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.

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