BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
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:
This is my endeavor AGAIN to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} ; XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my card off in XX/XX/XXXX with American Express XXXX XXXX & had them close the account. I was assured account was closed & I wouldn't recieve anymore charges but in XX/XX/XXXX I was sent a message stating I owed {$40.00}, called the company & they verified that the account was closed but they wouldn't take off the fees that they caused. I was told in XXXX the amount I owed & paid it that day. There should have not been any other fees attached but still charged me fees. I tried to get the fees dismissed but they wouldn't which lead to a confortation due to my frustration with this company & their unwillling to remove the charges. I was forced to pay the amount because they ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NV
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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NV
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 did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
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: Information belongs to someone else

Complaint:
Equifax is reporting an address that is not mine. I have disputed but they have yet to remove. This address XXXX XXXX XXXX XXXX, CT XXXX is reporting on my credit report and I have never lived there. Then there are 2 creditors listing as XXXX/XXXX, I have never had an account with this company. Then they are reporting XXXX-XXXX Inquiry : XX/XX/2018, I spoke to XXXX in regards to the fraudulent inquiry and they informed me that they requested for Equifax to delete the fraudulent inquiry but yet it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-11-27
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We had a first and second mortgage with GMAC and in XXXX we negotiated a loan modification on both loans. We were making payments on both loans at the time. 
In XX/XX/XXXX our first was moved to OCWEN Loan Servicing, LLC, which appeared to be in advance of GMAC closing. In XX/XX/XXXX we requested and received a second loan modification on our 1st mortgage through OCWEN. 
During this time, ( between XXXX and XXXX ) we stopped receiving statements concerning our second mortgage, we called GMAC and we were told our 2nd mortgage was written off by a GMAC representative over the phone? 
We continued making payment on our first, but were unable to locate or pay someone for our second so we assumed that this write-off was part of the XXXX loan modification. Since then our first has moved to XXXX XXXX and now XXXX XXXX, XXXX. 

We assumed that the write-off was true because the 2nd is currently not on my credit report, although the transfer of our first mortgage to OCWEN to XXXX to XXXX are all listed back to XXXX? We now understand a mistake was made by GMAC or us but being charged interest and penalties ( late fees ) for a loan that was not being serviced is unfair. 

We were surprised when several years later ( late in XXXX XXXX a company named XXXX XXXX, XXXX called about the 2nd mortgage and told them that GMAC told us that it had been written off and they stopped calling? 

Now - 2nd Chance Mortgage trying to collect on this old debt, sent one request to bring this debt current in XX/XX/XXXX and we responded in XX/XX/XXXX that we were under the impression that this loan was written off several years ago and their subsequent response in XXXX was " no '', and with that answer we received a notice of foreclosure within a few days. I hired an attorney to attempt to negotiate a remedy and they refused any offer to compromise on this debt. It appears 2nd Chance Mortgage uses this foreclosure technique to scare people to collect on these old debts and also collect on what they call accrued interest and penalties which they have not earned? It appears that 2nd Chance Mortgage has been lying in wait until property values improved and now are holding people like us hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Started back in XXXX of XXXX I was a victim of money laundering on pay pal it was my XXXX   XXXX XXXX thought I could trust her turns out not. She called them the next day after she showed me how to get the money out she put in my account to give her, she told them I stole it then she has been trying to get credit cards under my name, so I put an alert on all 3 companies, but synchrony bank did not care even though I made good with they lowered all my cards and some below and even changed me over the limit fees. I dont remember all the dates I wish I did it was amazon care credit now they closed my jc pennys to slowly they are closing all my account ; they sad I have bad collections I do not have any collections at all they lied.i dont understand why they are doing this to me I pay more than they want. I need your 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 2018-12-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to resolve this with TransUnion before, this is my last attempt before filing suit. 
The following inquiries need to be deleted from my credit reports as I did NOT authorize them! 

1. XXXX XX/XX/2018 2. XXXX  XX/XX/2018 3. XXXX  XX/XX/2018 4. XXXX XXXX XX/XX/2018 5. XXXX XXXX  XX/XX/2018 6. XXXX XXXX XX/XX/2018 7. XXXX XXXX XX/XX/2018 8. XXXX XXXX XX/XX/2018 9. XXXX XXXX XX/XX/2018 10. XXXX XXXX XX/XX/2018 11. XXXX XXXX XX/XX/2018 12. XXXX XXXX  XX/XX/2018 I did NOT authorize anyone to check 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 2020-07-13
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: CT
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:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-03
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter, dated XX/XX/2019, from Mr. Cooper stating they received and paid a new insurance policy, from XXXX XXXX, for our home owner 's insurance. We have home owner 's insurance covered by XXXX XXXX, which isn't due until XX/XX/2019. We were advised to call XXXX to make sure the policy was cancelled and request the refund be returned to Mr. Cooper. Since we had not changed our home owner 's insurance carrier, my husband called Mr. Cooper and inquired about the payment of {$420.00} that was withdrawn from our escrow account. He was provided with the Policy #, and name of a neighbor, in our same condo complex, that the check was issued for. This neighbor has same last name as us, and is in 2 units down, from us. My husband explained, that was not an invoice for our home owner 's insurance, and we did not change coverage. Explaining they had withdrawn money from our escrow account, in error, and we are requesting it be replaced. He was advised he would have to contact XXXX about the confusion, because the check had already cleared. My husband was back and forth with Mr. Cooper and XXXX, for over 3 hours. he was placed on hold for 30 minutes, at a time with Mr. Cooper, and was again told that Mr. Cooper could not solve the issue, it would have to be solved by XXXX. We feel strongly that Mr. Cooper should be held accountable for withdrawing money from our escrow, for a bill that did not reflect our name or address, and re-deposit the funds, that were withdrawn. It is impossible to speak with anyone of authority at Mr. Cooper. I therefore, wish to submit this complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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 am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my Equifax credit profile. On XX/XX/XXXX, our mortgage lender had to re-pulled what was supposed to be final credit for the purchase of my newly built home. When credit was pulled, they had informed me that they weren't able to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. 

My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold and the third mortgage ( XXXX ) was paid in full and closed. 

Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that what an account is closed the final MOP code reported should not be anything other than a 1. 

XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX Homebridge and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - XXXX  closed/paid in full after sale on home XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting creditors have violated my rights.

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

15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 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 2019-01-13
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
SANTANDER financed me with a predatory loan. I financed {$26000.00} in 2016 for a vehicle. I have paid {$750.00} a month for 3 years ( {$27000.00} ) and the balance I owe to date is {$28000.00}. Nothing I paid has gone to the balance of the loan. Account number XXXX.

Company response to consumer: Closed with explanation