BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX ( c/o PHH Mortgage Services ) which was paid off in XX/XX/XXXX. I did not receive my 2020 year end 1098 tax form showing the amount of interest paid and the amount of property tax that was paid out of my escrow account by the mortgage company. I called them the beginning XXXX because I did not receive the 1098 form and it was not available when logging into my account on their website. The associate I spoke with was stated they would look into and get back to me. I waited a couple of days and got no reply. I called back on XX/XX/XXXX and the associate I spoke with said the form was on the account so she emailed it to me. They sent me the tax statement for the wrong year and not the XXXX statement I requested. I called back and was escalated to XXXX on their escalations team who said she would check on this. As of today ( XX/XX/XXXX ) I still do not have the 1098 statement for XXXX. I just spoke with XXXX again a few minutes ago and she said there is no update and she has no other information to provide me. XXXX XXXX direct line is XXXX XXXX. Three weeks later and still no XXXX XXXX statement!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AL
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:
Ive tried multiple times to dispute Fraudulent information oN my reports. XXXX and Experian has customer service thats overseas and the workers barely understand English Ive been hung up on for lack of them understanding English. Ive contacted the company thats on my report and they says that theres no accounts listed in my name with them so why is it being reported on my 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 2020-05-24
Company: I.C. System, 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: Their investigation did not fix an error on your report

Complaint:
I sent this company a factual dispute of this peticular account. There are a few reasons I disputed this account. It is not reporting accurately because : XXXX  is showing this account as still open when collections are close-ended accounts, XXXX  failed to verify this account, the account status says not disputed when it is, there is also no date of last payment for statute-of-limitations purposes, and IC systems/ XXXX XXXX did not notify me beforehand that this collection would go on my credit report ( FDCPA section 809 ).

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 2020-07-07
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Porania, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
it been 7 years now since my bankruptcy chapter XXXX. discharged. its on my pubic record showing on my 3 credit  reports. filing date XXXX. reference # XXXX. us bkpt ct fl XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however Chase will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I settled my two XXXX XXXX credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.

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 2021-08-08
Company: EQUIFAX, INC.
State: MI
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:
Many of my rights under the Fair Credit Reporting Act have been violated. Although the original contract was not provided as I asked, they provided documents that stating factual evidence to support their assertion and did not interview my friends, family, neighbors, or associates like the law requires in 15 USC 1681 ( a ) ( 3 ) ( e ) under the exclusion section. They are also in violation of 15 USC 1681 ( a ) ( 2 ) ( b ), and 15 USC 1681 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.

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 2021-02-26
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 the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: National Credit Systems,Inc.
State: TX
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:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX  and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Fairway Independent Mortgage Corporation
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind two months and was approved by Fairway to split the payments into 2-3 months, making my months payments larger to get caught up. After turning in all the paperwork and being approved I called well over 5 times trying to find out the status. I sent in payments due to never receiving a call back and trying to avoid any foreclosure on my home. The payments were returned. I then called again and was told by a representative that I was not approved to do this and they were not sure why I was told by the previous representative that this would be approved. I have sent in the requested paperwork to Fairway for a Loan Modification on XX/XX/2020 and over and over again but continue to get nowhere in this process. I had to reach out to a third party to help me get this issue taken care of. They have then run into the same issue that I have in the previous months. They are being told that they are not receiving the Faxed, uploaded and emailed information. I reached out to the 3rd party in hopes that they could help move this process along quicker but have had no success. I have sent in 4 payments of {$990.00} to this third party XXXX XXXX XXXX XXXX XXXX and have all the receipts. I have all emails saved pertaining to correspondences with XXXX XXXX and information sent to Fairway. 
Fairway is impossible and every representative says the exact same thing, paperwork was not received. I recently sent in the requested information and even had an email confirmation that it was received. I called on Friday XX/XX/2020 and was told by the Fairway representative that the paperwork was not received and they have put a hold on my loan modification. I provided the email of the confirmation email received to the Fairway rep, he then pulled up the email and said this will be forwarded to the correct support specialist that was working on my account. This has been going on for well over 10 months and no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent collections remark on my credit report. XXXX XXXX has made a false claim that I owe {$440.00}. I have never visited, let alone received treatment from, this medical group. To further ensure that this claim was made falsely, I have checked all of my email accounts and medical records and have found no invoice or record pertaining to XXXX XXXX. This debt was sent to Pacific Credit Services on XX/XX/XXXX. I have never received a single statement or debt collection call about this debt. This false collection only came to my attention after signing up for credit karma yesterday ( XX/XX/XXXX ) and noticing the derogatory remark that has been made in error. This debt does not belong to me and I have never been contacted in any way to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: NJ
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 disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Took loan on my credit card for a fixed interest rate which has been applied for fixed monthly payments. However, every month, additional interest rate is being added. After having called customer service multiple times, the fees have been waived and the agent mentioned that those charges were incorrect and will be fixed so I won't be charged going forward. But, the charges seem to be added again in the following months.

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 2022-10-13
Company: EQUIFAX, 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:
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: HW Holding, Inc
State: TX
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 DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. Hunter Warfield INC IS NOT MY ACCOUNT

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: SC
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:
I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as Experian, XXXX and XXXX can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.

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 2020-02-20
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Numerous call received and message left regarding debt. Called back- debt in relation to family member, whom I do not speak with ( last I heard he was in jail ). Requested I not be contacted regarding this debt any longer. 

Calls continued- including leaving numerous voicemails/ day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I had used my American Express credit card to purchase airline tickets in the amount of {$2000.00} on XXXX XXXX  for travel to XXXX in XXXX this year. In XXXX, when Covid-19 hit, the airline canceled all its US flights including mine. When I requested a refund from the airline, they refused saying that my ticket was a non-refundable one and that they can only give me a travel voucher but not a refund. However, U.S. law and Department of Transportation rules clearly state that all airlines have an obligation to refund passengers for flights canceled by the airline, regardless of any fare rules or whether the ticket was refundable or non-refundable. Airlines can offer travel vouchers only if the passenger chooses to accept them ; otherwise the airlines have an obligation to provide a refund. 
So when XXXX refused to refund me in accordance with the law, I went to my credit card company, American Express, to dispute and refund this charge. This was in XXXX. In XXXX, after almost 5 months, I was surprised to receive a letter from American Express in which they summarily rejected my claim and closed the dispute in the airline 's favor, without any real investigation or substantive reason. The reason they provided me : the merchant ( XXXX XXXX ) states that the services are non-refundable. They did not consider that this is an invalid reason since it was the airline, and not I, who canceled the flight due to Covid-19 suspensions and that U.S. law was clear on this topic. Having been an American Express customer for almost 20 years, I was shocked at their dismissive response. If American Express can not provide me justice in accordance with the law, then what good is the dispute resolution or any other consumer protection offered by their card? 
I believe American Express is derelict in its duties by siding with the merchant and forcing me to pay in the face of clearly established U.S. law.

Company response to consumer: Closed with explanation