BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit for the first time and I have derogatory items that are not mine. these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2018-11-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXXform will not allow submission of : State : Massachusetts Zip Code : 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 2017-12-23
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
pursuant to FCRA they did not provide a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) ... ( A consumer contract with my signature on it ) in under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified The law is very clear as to be civil liability and the remedies available to me for negligent non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from 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 2020-09-09
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: Information belongs to someone else

Complaint:
My identity has been compromised cc where open without my consent

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 2019-05-23
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: Old information reappears or never goes away

Complaint:
XXXX XXXX continue to report information to credit bureaus past legal reporting period as per New York State.

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 2018-11-02
Company: CL Holdings LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. Part of their investigation involves them forwarding the dispute to the company. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of this debt/ account I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. This specific account I am disputing has been deleted by the original creditor after investigating a dispute, and has made it to the collections section of my credit report which is heavily damaging my credit score. This company has failed me as a consumer by not complying with my consumer rights by continuously reporting unidentified and unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I received a request from Capital One credit card to fax my social security card because my account had invalid information. From XX/XX/XXXX to XX/XX/XXXX, I have faxed my social security card to several different fax numbers, supposedly at Capital One, and as of XX/XX/XXXX, was asked again to FAX the information to them as their file had Invalid Information ( whatever that means ). I advised each caller, and there were many since XX/XX/XXXX, that Faxing my social security card was not safe but I did fax it a total of 5 TIMES TO THEM. I have requested a final statement from them and to cancel my credit card with them effective XX/XX/XXXX and that I was reporting them for bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this card with payment arrangement and settlement with the credit card company and I was offer if i made 4 payments in the amount of XXXX my account will be close and remove from my credit report. It been 2 years since i paid off the account, I tried to disputed in my credit reports and no change has made. Can you please help me with this.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit for the first time and I have derogatory items that are not mine. these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
There are 2 late payments or missed payments on my report. On the Capital One Bank USA. This was due to a miscalculation on my part when paying my bills PLUS I'm also having Financial difficulties due to COVID-19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I have been bounced back and forth between the companies listed on my credit report & TransUnion trying to get this issue resolved. I sent in complaint XXXX. Nothing was done as a result & it has been well over 30 days for this issue to be resolved. I have never applied for anything with the companies that TransUnion have listed as XXXX XXXX XXXX {$960.00}. I have never completed an application or given my personal information to these companies to get anything from them. All the accounts listed above are FRAUD accounts.

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 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
SINCE XX/XX/XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX XXXX DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND XXXX AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO XXXX BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE

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 2018-10-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
in XX/XX/2018 I attempted to remove 3 collection accounts from my XXXX and XXXX   credit profile.The acounts are inaccurate and they have not verified the contract between me and the following 3rd party collection agencies. I'am not liable to pay any 3rd party debt collection agency as the original debtor has already been compensated for such losses through taxation or insurance.

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 2018-09-26
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 did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXX XXXX   twice and they are not working with me. I have also disputed this with Equifax credit reporting agency and they have refused to take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a letter datedXX/XX/2020 and received by me on XX/XX/2020 : PHH Mortgage informed me they had received notice from " our tax service '', that property taxes were past due on my property  at XXXX XXXX XXXX, XXXX, TX XXXX. The letter had no postmark or any way to verify when they mailed it.

Since I pay my taxes myself, I know they have been paid. So I immediately requested a copy of whatever communication they had that indicated the taxes were overdue.

I immediately got a thorough run-a-round. First they had the letter, they when I wanted a copy, they thought maybe they saw it on a web site. When I asked what web site, no one could tell me. When I asked how they verified the taxes were past due, no one had an answer. PHH Morgage has been trying for years to get me to set up an
escrow account, which I have refused. Since I pay the taxes myself on a timely basis, PHH Mortgage has no need for an escrow account! Unless PHH Mortgage makes money using the escrow money before it is needed, why are they so adamant about having an escrow account? 
I am XXXX and consider this constant harassment a threat to my health. Maybe you can do something about it? Thanks for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018, XXXX XXXX has placed themselves on my Experian credit report, since then up until XX/XX/2018 have written to Experian with regard to disputing this action that is listed on my report under Acct. # XXXX, in the amount {$1200.00}. I have provided them with the necessary documents to support my claim, and they have yet to address this issue. Pursuant to Section ( 609 ) of the Fair Credit Reporting Act, consumers disclosure section provides for the protection of consumers against false and erroneous reporting. XXXX XXXX has failed to provide Experian with any proof that this account belongs to 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 2018-03-31
Company: Experian Information Solutions Inc.
State: WI
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:
Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX  have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.

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 2018-02-23
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:
This matter pertains to the Equifax credit reporting agency. The problem is this - my credit file has been entirely deleted. It is not accessible by myself or other creditors, and it's been this way for the last 6 weeks or so. When I first discovered that pertinent information was missing from my file, I called Equifax to report it. Shortly after I called, my credit file was completed deleted - there was no information on it. I have repeatedly called Equifax about this problem and they continue to do nothing. I even called the corporate office and they told me that nothing could be done. Two days ago, I applied for a mortgage with a credit union and they've informed me that nothing came back from Equifax, that the file was blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a large wire transfer sent to Bank of America to be applied to my mortgage on XX/XX/2020. As of today, XX/XX/2020, it has still not been posted to my mortgage. This is because of an update to their computer system. I have called 14 times since XX/XX/XXXX and am told various dates that this would be fixed. None of those deadlines have been met. They have told me that the wire transfer was received at Bank of America and that when it's posted to my mortgage it will be marked as received on XX/XX/XXXX so as to adjust the interest. I have not much hope that it will get posted on XX/XX/XXXX, the new promised date. The wait time for each of the phone calls is about XXXX hours. 
My plan was to get the payoff amount and have another wire sent for the balance on Monday, XX/XX/XXXX but obviously that still can't happen. 
I have a letter of confirmation from the wire sender but don't know how to attach it. I also have the Federal reference number which I have told several people at Bank of America.

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 2017-07-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I 've reported these fraud transactions to IRS. Because fraud payments were made to someone by IRS. I 've reported my drivers license being stolen to XXXX Police Department. The Department of Motor Vehicle in Tennessee, & my social security card stolen. There was an Ace employee that changed the last digit on my driver license to a four with a XXXX XXXX check. Check number XXXX in the amount of {$400.00} do not belong to me. I never made that transaction. Check number XXXX in the amount of {$650.00} was not a payment received by me. These payments was paid by IRS to someone that have an account with Ace. I do n't have an account with Ace & never had one. I 've cashed checks with Ace, that 's all. Ace Aceid is XXXX the maker was USTreasury ABA for the US Treasury is XXXX. Both was done in XXXX. As I 've mentioned XXXX XXXX XXXX XXXX amended & restated my tax returns & made themselves my conservator. All of my former employers have been changed with XXXX. A seven year alert have been placed on my credit report. The XXXX Family was also given my XXXX XXXX information by Attorney XXXX XXXX. After I filed bankruptcy in XXXX. XXXX XXXX the broker with XXXX XXXX XXXX set up the fraud account with XXXX XXXX. After she & XXXX XXXX stole my retirement check from Principle. They all need to be investigated, especially the attorney. He conspired with The XXXX Family to steal from the bankruptcy courts. He helped them to delete my history & take my home. Someone is receiving social security benefits through Ace using my identity. Ace is allowing a lot of Federal Government fraudulent activity go on through their company. I am shouting from the roof top. I did n't work hard all my life for someone else to reap my benefits. XXXX XXXX is another person that had access to my information. This woman once lived with my late father. She 's using his social security number & he have been deceased since XXXX. His name is XXXX XXXX. She 's working with the XXXX Family. The FBI told me its an inside job.

Company response to consumer: Closed with explanation