BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: AR
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 submitted a dispute with Equifax regarding duplicate accounts on my credit report regarding the company XXXX. They are for the same account, however, one shows paid and the other shows unpaid but both are having a  negative affect on my credit score. I asked that both accounts be investigated to determine which should be reported. They updated the paid as being verified as of XX/XX/XXXX but did not investigate as requested the unpaid account. If the paid account has been verified, the unpaid duplicate account for XXXX needs to be removed as it was last verified XX/XX/XXXX. <P/>Also, I have requested that Equifax remove an account that is reporting on my credit report because it is medical debt. I have made at least 5 dispute request to get this item, XXXX XXXX, removed and have been unsuccessful. It is even listed as medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions Inc.
State: MD
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are Multiple address and names spelled Incorrectly in my credit report which are n fact innacurate and essentially constituted Fraud.

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 2021-12-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we became aware that we were paying for two homeowners policies for our property located at XXXX XXXX XXXX XXXX. XXXX CA XXXX. Our broker failed to cancel a policy with XXXX when we switched carriers to XXXX XXXX XXXX. On XX/XX/XXXX the XXXX policy was terminated and the broker notified our lender at the time which was XXXX. At the same time this was happening, XXXX sold our mortgage to PHH Mortgage Services. We contacted them immediately but they said they needed time to get our loan loaded into their system so we contacted them again in XXXX. At that time we were assured that they would perform an audit immediately on our loan and make sure we were only paying a single carrier, reduce our loan payment to only include the XXXX XXXX payment and then refund us the amount we had overpaid for the past year. That never happened so we called again and got the same assurances. Now it is XXXX and we called again and spoke to four different agents named XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX. None of these people could address our concerns and while XXXX said they would audit our account, they could not refund us what was owed without a new process being started in another department. We've spent hours on this now and still are paying for two insurance policies when only one is covering the property. Nobody at PHH Mortgage was able to help and we want our overpayment refunded to us now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Account status incorrect

Complaint:
XXXX XXXX  has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. XXXX  XXXX  has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX XXXX- Acct # - XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Refusal to comply to questions regarding Predatory Lending violations of CT Predatory lending law by telemarketing. 
No mortgage protection insurance offered to 2 elderly people aged XXXX and XXXX years of age. 
Refusal to release information of 2 telemarketers : XXXX XXXX XXXX XXXX XXXX. 
Refusal to release transcript of telemarketers. 
No offer of better program to suit an XXXX & XXXX year old couple except to offer a XXXX yr.refi. which an XXXX & XXXX yr. old would never live to repay and render the one survivor into foreclosure or homelessness on one monthly social security stipend. 
No attorney present to answer borrowers questions. 
Parents are now deceased & their home was quit claimed to me. I made payments for 3 and 1/2 years until learning of the loan 's fraudulent inception and began asking questions to no avail. That is when I ceased making payments. 
However, under stress from Wells Fargo I offered {$20000.00} as a " short pay off '' from a reverse lender. Wells Fargo refused the offer. The XXXX loan was for {$81000.00} & the {$20000.00} offer would have brought the loan to {$91000.00}.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: VA
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:
Upon reviewing my credit report, I noticed a collection posted. The creditor listed was XXXX XXXX XXXX XXXX '. I have never heard of this company, had any type of association with this company, and have never opened any account with them. I filled a dispute with all three credit bureaus, and after they supposedly investigated, they claimed the information was correct and the debt remains on my credit report. The debt balance is {$1300.00}. The collection agency is XXXX XXXX XXXX. Beyond filing disputes with the XXXX credit bureaus, I don't know what else I can do to get a resolution as a victim of consumer fraud.

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 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I previously had checking and savings accounts with Bank of America, which I closed mid-2020. On XX/XX/2022, I received an email indicating that a new account had been opened, which I did not immediately notice. On XX/XX/2022, I received a follow-up email with the subject heading " XXXX, just a few more steps to get the most out of your new account, '' which I noticed almost immediately. That same day, I contacted Bank of America through its automated service line, after several attempts ( including one disconnection ), and several transfers, I was transferred to the relevant fraud department, who opened a claim and said the account would be closed. The process took about an hour. 

Who ever created the account used BoA 's " online portal, '' as fraud personnel described it, and had my ssn. However, I checked recent login activity for my account ( using the login and password for the account closed in mid-2020, which I had not used since ), the only recent activity listed was my own login. It seems quite possible, then, that the account was created by a bank employee. But BoA 's fraud department would not share much information. 

I've attached the first/only account statement. You'll notice that the address makes absolutely no sense and is a mix of two addresses I had earlier in life.

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 2023-12-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
1. XX/XX/XXXX Mortgage provided terms on what was believed to be loan modification. 
2. XX/XX/XXXX work Mortgage company and a third party ( XXXX and also XXXX XXXX XXXX ) on mortgage payment in arrears. 
3. XX/XX/XXXX send in payments to mortgage company in the amount of {$2300.00} ( {$41.00} above mortgage companys stated amount ). 
4. XX/XX/XXXX Send in additional payments after not hearing from mortgage company or third party on loan modification terms. 
5. XX/XX/XXXX connect with mortgage company on needed documentation and terms. 
6. XX/XX/XXXX mortgage company informs me I need a subordination agreement from company no longer in existence. 
7. XX/XX/XXXX mortgage company informs me they are proceeding with pre foreclosure and I can do a short sale to make me whole with mortgage company. 
8. XX/XX/XXXX hired lawyer to prevent sale and put house on market for short sale. 
9. XX/XX/XXXX it was determined our house was sold in a foreclosure. 
10. XX/XX/XXXX my family and I vacated foreclosed home premises.

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 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account XXXX XXXX XXXX is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: VA
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:
Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. 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 non-monetary relief
Consumer complaint received 2018-02-09
Company: LEXISNEXIS
State: AZ
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 recently been informed that XXXX  maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law in XX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX, XXXX, XXXX has found information on Tax Lien through third party research. 

XXXX and XXXX have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to XXXX since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from XXXX that it was validated by LexisNexis in which I never received anything of the such. So I sent them another certified letter again this time one to XXXX and one to  LexisNexis requesting my signature to validate this information. This time XXXX sent me a Reinvestigation letter stating that LexisNexis Consumer Center is currently not reporting on the XXXX   file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Problem with personal statement of dispute

Complaint:
i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit 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 explanation
Consumer complaint received 2018-12-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be removed

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