BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that XXXX changed their web page after the hacking news was brought to light on XXXX/XXXX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.

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 2019-07-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I filed two complaints with your agency they are XXXX and XXXX in XXXX concerning short sale and to get approval from the mortgage company Ocwen, Please reference these complaints to become familiar with my case, As of this date XX/XX/XXXX, we still have not closed on the short sale. The mortgage company Ocwen has now been brought by XXXX mortgage in XX/XX/XXXX. I was assigned a new account and we had to resubmit documentation several times over the last 6 months for contnujeing the short sale, We have been trying to get this short sale done well a year and a half besides having to find another buyer and after they had to get 2 more appraisal of the house over the last six months to get a unrealistic sales price to meet their acceptance, We have been diligently submitting documentation and follow-up with my realtor in negotiating the sale, Futher delays may cause the buyer to back out of the deal if we continue to have delays from XXXX mortgage, HELP US to get this sale expedited,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that XXXX changed their web page after the hacking news was brought to light on XXXX/XXXX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company. 

XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''. 

XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was contacted by ERC regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to ERC, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. 

XX/XX/XXXX I was again contacted by ERC with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was again contacted by ERC in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt. 

I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these. 

All supporting documentation will be provided via request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a check of {$1200.00} my friend wrote me in on Tuesday XX/XX/XXXX, and the friend who wrote me the check told me there's something wrong with her account so she has to placed a stopped payment check on the check she wrote me, and right after she told me that I called Capital one to let them know and to see if there's anything they can do to cancel the check i deposited in and the agent lady told me it's not the problem and she can't cancel the check that it been pending already but she told me not to worry since my friend has place a stop payment on her end so it's not going to effect on my account until today my card got declined on XX/XX/XXXX, and I saw Capital One placed a permanently restriction on my account so I called them right away to explained the situation and they asked my friend 's number and Capital one gave them a called to confirm the situation and to confirm if my friend is the one who wrote me the check, and right after they confirm it they told me they can't removed the restriction because they didn't see any note put in my account about i called in on XX/XX/XXXX about the bad check situation and the restriction it's permanently. But I did called in and I still have a calling history on my phone but just that lady didn't put any note in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Spoke to representative- explained debt was not mine - offered to resolve the debt- representative would not listen, made multiple attempts to call- representative stated that would not remove resolve debt and would file law suit. Credit collection agency is not the original creditor- and un able to provide any proof of debt- signed contract. Debt is reported multiple times on my credit report by the same creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filled a dispute with Transunion in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed XXXX disputes with Experian regarding an erroneous bankruptcy chapter XXXX that is listed on my credit report, the most recent one was XX/XX/XXXX. I do not believe that Experian is taking the necessary steps to actually verify the public record in question. I have provided them with a substantial amount of factual documentation that proves this alleged bankruptcy is inaccurate and it needs to be deleted from my credit report immediately however they continue to respond verified. 

Due to Experian inaccurate reporting to my consumer file it has caused me a great deal of emotional stress and is hindering me from purchasing a home for my family. They stated that XXXX XXXX verified this information so I provided them with a letter that I received directly from XXXX XXXX dated XX/XX/XXXX which states the alleged bankruptcy was removed. They then stated that the courthouse verified this information and I provided them with a letter that I received directly from the courthouse dated XX/XX/XXXX which states they do not provide information to credit reporting agencies. 

If XXXX XXXX does not have this bankruptcy on file and the Courthouse does not verify information with credit reporting agencies then who are you verifying this information with?? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( XXXX ) The sources of the information. 

XXXX and XXXX have removed the erroneous public record. Each bureau is responsible for providing accurate information per the FCRA. How can this bankruptcy be accurate or verified if no other credit reporting agency is reporting it except Experian??? 

I have attached the dispute letter mailed on XX/XX/XXXX, dispute letter mailed on XX/XX/XXXX, XXXX XXXX letter, Courthouse letter, Credit report, notarized affidavit, my drivers license and utilities bill for your review. This is an urgent matter please delete this inaccurate bankruptcy.

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 2018-01-26
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed Same collection Account/ Amount from creditor with a diffrent collection agency ( XXXX ) already.

All major credit bureaus removed derogatory mark from my credit report a year ago.

Now new collection agency attempt to collect asking to settle and harassing me.

Why is it possible for the creditor to continuously send my information to other collection agency if account has been previously disputed/closed and they have full acknowledgement of that?? Who is responsible and how is this fair to the consumer ( me )??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My equifax file is blank it has been blank for months comes up for 1 day then disappears I have called 26 times I have sent 35 emails I have faxed my license and ss card 8 times these people are destroying my life I have been waiting to buy a house for 6 months all because equifax file is blank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: TN
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 requested the original contract from XXXX, XXXX, and Experian on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX XXXX and Experian are all miss informing creditors of my information, and in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
In XXXX purchased two uniforms ( {$130.00} ) for my daughter for her dance recital that was scheduled for XXXX. One uniform was for Hip Hop & the other for Ballet ( dress ). Decided my daughter would only do Ballet & cancelled the hip uniform. The company credited me {$50.00} back from the XXXX {$130.00} XXXX, so I was charged {$80.00} for the ballet ( dress ). Covid pandemic hits in XXXX & dance theatre closes. Never receive any updates from Dance theatre & how they plan to move forward with business because they had the incorrect email address. Continually looked for updates on dance theatre sites & called with no success until XXXX. Stopped by the dance theatre to pick up dress ( {$80.00} ) & request refund for dance class charges for XXXX & XXXX they charged me ( {$70.00} ea month XXXX. XXXX XXXX unwilling to compromise & stated they were in too much debt XXXX $ XXXX XXXX due to pandemic & threw away the dress XXXX {$80.00} XXXX because they didnt have enough room. Disputed charges with my credit card company which said I didnt have enough evidence to investigate. They didnt contact the merchant & stated I needed to provide the color of the dress, brand & size. The dress was suppose to be custom made by the dance theatre, so I could not provide that information. Secondly, they never looked into my Dance class charges of {$70.00} each month that I disputed & couldnt provide an explanation on why. The dance company went to virtual classes in which we were never informed of because they didnt pick up their phone, update their website, or send an email to the correct address. Credit card company is unwilling to truly investigate & told me my option is to provide more info or contact Visa directly to see if they will investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-17
Company: Credit Adjustments Inc
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent my tax paperwork into credit adjustment on XX/XX/XXXX. I was told by the agent that I was clear of an offset and that he didnt see anything on my account. He said as long as I set up my first payment I was good. I set up my payments and made sure they took them out of my account each month. I filed my taxes XX/XX/XXXX. Im in a group on XXXX and saw that there is a number to call to check on offsets and I called it. Sure enough there was on offset with department of education. I called Department of Education & Credit Adjustments and was informed an offset was placed on my account XX/XX/XXXX. I filed a complaint against the agent for giving me false information. If he wouldve told me that I had an offset I wouldnt have filed my taxes until the offset was lifted. My complaint was resolved and the Department of Education proved my claimed was valid and that he did indeed give me false information. But, they were still moving on with collections and he was going to be talked to and go into training. This is ridiculous, I shouldnt still be penalized because of what the agents you hired told 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