BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  and we are all on board to short sale but need time to process the offers and market it to be sold. Please don't allow parents hard work be taken, we are cooperative and sending in all docs to help facilitate a short sale with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: MECHANICS BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I Was A Victim Of Somebody Tried To Get A Car In My Name And They Opened Up Credit Cards And Phone Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 2022-01-26
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MANAGEMENT LP Added a collection notice to my XXXX credit report, I have never owed a dime to this company nor charter communications. 

I want this to be removed as soon as possible, charter services are not even offered in my zip code, this is preventing me from succeeding on my house mortgage approval and I do not owe them anything. 

I called them twice already and they can't give me any information on this account because my information doesn't match the account and yet they are reporting this to the credit bureau which is illegal, how can you report an account to a person that you cant verify this is the second time a collection from XXXX XXXX appears in my credit by different collection agencies. 

I have attached the letter from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: NJ
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:
on XX/XX/2019 JPMCB CARD SERVICES agreed to close my account after being paid in full. Currently 4 years later this account is still reporting on my credit after being closed and I am aware that this is illegal. I reached out to the company but was notified I should contact my reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2022-01-20
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I received an XXXX Alert that CITI Cards CBNA made a bank/credit card inquiry by checking my XXXX  credit file. I did not apply for credit. I contacted XXXX and requested a fraud alert be placed on my credit report. Potential lenders are to verify my identity before granting new or additional credit. I also contacted CITI cards and they confirmed that I do not have an account with them.

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 2022-05-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used the lender EnerBank USA to cover the repair of a septic tank drain field on my property and was making steady payments since the repair in 2020. I came down with XXXX which lead to an extended absence from work, and attempted to keep up with the payments but the lender was difficult to work with. 

We finally reached an agreement allowing me to set the account straight by making on time payments again, but made a payment a day later than the cutoff. 

This lead to them sending the first of several letters with a payment amount that they were demanding to keep the account current with the wording that added additional penalties if the payment was not received in " ten days ''. There was no date on the letter and no date mentioned to start the " ten days '', and every time I have called or paid has not been within the ten day period leading to an almost constant compounding of fees.

The absence of the start of the ten day period in all of their correspondence seems like a deliberate ploy to keep the debt active and extort for the " late fees ''.

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 2022-01-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX. I opened my fathers account up at Wells Fargo for his direct deposit from social security and to pay his bills. I am his legal p.o.a. because he is in XXXX XXXX because of XXXX. Now 2 months later they tell me that his accounts will be closed if i dont produce his s.s. card byXX/XX/XXXX Dads card was destroyed from going thru the washing mach. When i opened account I produced his last 8 yrs of his XX/XX/XXXX form 1099 and his last 8 yrs of IRS tax returns. I also showed them his XXXX XXXX  papers from XXXX XXXX that has his military ID #. I signed his direct deposit papers for his social security check. Wells Fargo says that is not proof of s.s. number and is the reason for closing account. Social Security has deposited 2 checks into this account and i have set all his recuring bills to this account. I have ordered and paid for checks for this account. I also let Wells Fargo Advisors to handle his IRA account at the same time of opening his checking account. Every penny of my fathers money are in these accounts with Wells Fargo and now they want to close accounts. I been trying to get my fathers replacement card but could not do online. I have to do in person with social security and have an appointment set up to handle this. And then I was told that it takes 4 to 6 weeks for the card to be processed and mailed to me. There is no way possible that i will have his social security card by wells fargos date that they have said the accounts are closed. I believe that there is plenty of proof of his social security number. If everything was not right with his number social security would not be direct depositing the money. I have furnished 19 different official forms from 3 different government agencys all of which has my fathers full name, address, and social security number on them. The ss number has been proven many ways. All the documentation was good enough in XXXX for WellsFargo to open the accounts. It was good enough for Wells Fargo advisors to get dads IRA from XXXX XXXX. All of this proves the number is good. Wells Fargo is being completely unreasonable about the time frame for producing the card. I have done all that i possibly can do. It is not my fault that social security is only taking appointments because of XXXX. I need enough time to go though the procedure to get the card. The accounts have been being used for 2 months with no problems.

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 2022-01-20
Company: EQUIFAX, INC.
State: NY
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 been disputing negative items on my report for months I have not received how these items was validated on my account and these recent reports have not fixed my problems please look into my reports and correct these issues it has been more then thirty days as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I realized this year that I had a lot of fraudulent information on my credit report when I signed up for an XXXX account. These included fraudulent loans, credit cards, and bankruptcy's. I informed myself on my rights and what I had to do to inform credit reporting agencies that I was a victim of identity theft. I have been combating the fraudulent information for months now, and most of it has been proven to be from identity theft, and has just-fully been removed. However, there is still a  bankruptcy that has not been removed from my Equifax report even though it has been proven that it does not belong to me. I am very frustrated that my identity was stolen, and more frustrated that I have done everything in my power to fix this, and Equifax has refused to remove this derogatory from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX, I have a Bank of America Checking account which is a joint account with my ex-spouse XXXX XXXX. We divorced in XX/XX/2021, and BOA requested XXXX XXXX to be physically present at the BOA branch in order to remove him from the joint checking account. I contacted my ex-spouse many times and sent him the required paperwork, but he still did not go to BOA to remove him. I called BOA and the suggestion is to close the joint account and reopen it again. But I don't want to close the existing account.

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 2022-01-26
Company: Paypal Holdings, Inc
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
HI, PAYPAL. 

WOULD YOU PLEASE ENABLE THE OPTION FOR WITHDRAW MY FUNDS BECOUSE I WAS WAITING FOR ALONG TIME. 

OR IF I CAN GET MY ACCOUNT BACK I WILL APRECIATE YOUR HELP. 

MY FIRST COMPLAINT WAS XXXX you said my money are going be avaliable XX/XX/XXXX MY ACCOUNT IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BMW Financial Services NA, LLC
State: NY
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:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY. 

BMW FINANCIAL SERVICES XXXX Date opened XX/XX/2019 Balance {$47000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 sent a letter disputing and requesting Trans Union to remove the unauthorized inquiries from XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX XX/XX/2021 TransUnion I have not received confirmation that this inquiry are removed 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 2022-01-26
Company: Nelnet, Inc.
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a dispute with the credit bureau that this is not my account and also have asked for them to send me the result of this dispute or proof showing where I opened this account and nothing has been sent to me, I just keep being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Rent Recovery Solutions
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm getting these accounts on my credit at XXXX. 
I am very upset, because I have written directly to the companies ( XX/XX/2023 ) and sent them the police complaint in XXXX XXXX. These accounts were opened fraudulently and they say they are mine. When they are open with information from the United States that I have never lived. 
I have also written and called XXXX and nothing either. 
Who regulates consumer rights, I don't know, it's just that there is no one to protect me. 
XXXX XXXX XXXX XXXX Account Number XXXX .... 
XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX ATTACHED COMPLAINT POLICE IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
I have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my MLO with my processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.

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