BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Ocwen Financial Corporation
State: SC
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:
I never received any information on this account because this company no longer is open and they sold my account to another mortgage company. Ocwen Loan Services continued to report inaccurate information on my credit reports.

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 2023-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
To whom it may concern, Please accept this formal letter as request to investigate and remove inaccurate items from my consumer report which include late payments, derogatory accounts, unauthorized inquires, and inaccurate reporting closed accounts from my consumer report, I have found it has errors. It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties.

According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, [ m ] aximum means to the greatest quantity or highest degree attainable [. ] And possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) Should not provide consumer file to companies without determining that these companies had a permissible purpose to obtain consumer file pursuant to 15 U.S.C. 1681 ( b ) ; 4 ) Provide consumer file pursuant to 15 U.S.C. 1681 ( g ).

5 ) Et seq.

Accordingly, I request your company provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer 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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the Attorney General.

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 2017-12-18
Company: Southwest Business Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2016, my home was flooded in the Louisiana Flood. I have flood insurance. A claim was made to the flood insurance company and a claim was paid. The claim check was made payable to myself and my mortgage company. I contacted my mortgage company to inform them of the damage and of the insurance payment. I also worked with the mortgage company because I intended to self perform the repair work on the house. The mortgage company requested a letter of qualification that i was capable of performing the work and also requested that they be allowed to perform inspections. A letter of qualification was sent, I was approved to self perform, I completed the work on the house utilizing my personal savings account funds. Mortgage company was contacted and an inspection was performed that stated the house was complete. I also turned in receipts for materials spent. To date, the mortgage company will not release my insurance payment to me. It is sitting in an escrow account. Every time i contact them, they give me a different story. I have done everything requested of them and spent my savings to repair my house and they will not release my money. Please help!!!

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 2023-02-08
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following inquiries and accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any these unauthorized inquiries as well. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry 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 2020-10-24
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
To Whom it may concern, My Wells Fargo credit card is still showing open on my XXXX even though this was included in my bankruptcy this year ( case # XXXX ). Because of this still showing on my account has having a balance of {$550.00} out of {$500.00} limit, it significantly dropped my credit score from XXXX in XXXX of XXXX to the current 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 2020-09-21
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apparently, someone opened an account with XXXX in my name. I did not, and neither XXXX nor the collection agency will show me any verification of the debt. When XXXX sent a bill, I disputed it, noting I have never ordered anything from XXXX in my life, and I have never sought credit. Further, I do not have nor have I ever owned a vacuum of the type allegedly owned. XXXX stated that it noted the fraud report, and never followed up. It then turned the account over to a collection group, to whom I again reported the fraud. I asked for documentation of the order and debt, and they refuse to provide it, placing the onus on me to disprove a debt by providing personally identifying information, even though they can provide no proof I opened the account. Their repeated contacts with no effort to investigate the debt, constitutes harassment. They expect me to file a police report, but fail to provide the date of order or other information that would result in the police report. 

The actions of Resurgent Capital Services are improper, and they fail to take basic steps to verify that I owe the money they claim. The first call was on XX/XX/XXXX, and they have yet to provide me any factual information about the claim, other than the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Company Bank of America froze my checking account Saturday XX/XX/XXXX without my permission. They are holding my unemployment deposits and have Frozen my account with no further information available. I have no access to my funds no access to my account and no access to any of my available information via the Internet. 
I need help getting my account unfrozen an getting my funds back ..they have no legal authorization to hold state unemployment funds rightfully belong to a citizen .i called unemployment an thy are aware of the problem. Please be advised ive had no resolution an no response from Bank of America. They have my unemployment funds frozen an can not legally hold state an government funds of a united States citizen. 
Need resolution ASAP

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 2022-02-13
Company: EQUIFAX, 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 have previously submitted a complaint the CFPB stating that my dispute sent to the XXXX bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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:
There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TCF NATIONAL BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I commenced a series of five transfers from my TCF National Bank ( XXXX, MN ) savings account ( ending in XXXX ) to XXXX XXXX XXXX. The first four transfers were in the amount of {$25000.00} each. The fifth transfer was in the amount {$4600.00}, bringing the account balance to XXXX. TCF Bank then closed the account. 

In order to close an upcoming purchase of our home, I need the most recent - prior to closing of the account - statement from TCF Bank. While the Bank purports to provide such via its website, the account statement available is only through XX/XX/2020 which, obviously, does not reflect the account balance as of the end of XXXX or the statement closing date as of the first few days in XXXX. It is this statement that I need in order satisfy the real estate lender 's requirement regarding proof of availability of funds. 

On two separate occasions I have called the Bank and requested the needed statement. While the Bank promised to provide such via the USPS, it has not done so. Moreover, the Bank has stated it would post the overdue statement to its website, but as of today ( XX/XX/2020 ) it has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
About this situation covid -19 I lost my Job, I call to resolve the problem and all communication with the company I offered to pay small portion to make another payment an a few days when I call the said your account is completely close and you need to pay in full. Both company the same capital one and XXXX  XXXX. Capital one balance XXXX aprox. And XXXX  XXXX XXXX. This crisis affects to me emotional and personal. I need help please I dont want bad credit. Credit is the key to keep financial up. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX has violated my rights. 

15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 168:1 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: WELLS FARGO & COMPANY
State: CA
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:
My XXXX year old son took my credit card and made a purchase on XXXX of XXXX. I was not aware of this purchase, nor did I authorize his use of my card. When I called Wells Fargo to dispute the transaction, they said that they do not dispute charges from family members. This is completely opposite the current legislation and I see no verbiage that includes an exception for family members. My son is XXXX, ( actually he passed away now unfortunately so he is dead ), or was XXXX at the time, a full adult of his own and he should be held responsible for fraud as if anyone else took my card and used it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: A.R.M. Solutions, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice for an erroneous debt. I have contacted the original company for years for them to quit charging me for something I was not receiving and a subscription I have cancelled numerous times. I can not get written communication verifying that anything is resolved, only verbal. I want every communication regarding every complaint I file anywhere well documented because our legal system doesn't protect consumers from having a debt keep popping up with various collections agencies even when you pay it. I want complete documentation from the company and the collection agency that this is resolved.

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 2022-02-13
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
My privacy is severely important to me and these companies are infringing on my right to privacy. They keep sharing my personal information without my consent. I need it to stop immediately.

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 2017-12-18
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: Problem with personal statement of dispute

Complaint:
I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by  not complying with what is being asked. 

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.

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 2020-06-02
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage my current loan service will not stop calling my to solicit a refinance to my home. 

I have told them 7 times on a recorded line to add me to the do not call list. I believe they are violating the FTC laws. 

I am confident they will call again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCIESI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 response to consumer: Closed with explanation