BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
CFPB- STOP Saying I need to go to the OCC XXXX They said I need to go through you! My name is XXXX XXXX. My account number is XXXX. I have filed THREE FARUD disputes with XXXX XXXX! They failed to cease the negative reporting during their investigation which is a violation of FCRA and Reg Z 1026.13 specific to Billing Disputes. In addition, XXXX XXXX NEVER sent me a billing statement not electronic or by mail until i sent in my first dispute! This does not solve for their violation of Reg Z 1026.5! There are three regulatory violations here! Plus then they CHARGE OFF the account and ruined my credit!!! I am already impacted by COVID as in I had it and still suffering! I do not need this also! I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b  ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!

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 2021-01-31
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate Ledger XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to XXXX and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the XXXX peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XX/XX/2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I writing in regards to Chime bank ( XXXX XXXX  ). Mainly in regards to faulty customer service practices and a heightened amount of account suspensions and closures in the middle of a pandemic when assess to funds are critical. With this being my primary bank account i have been cut off from all funds and assess to my personal information with no concrete information as of why even though i verified my identity on two separate occasions when prompted to do so. On XX/XX/XXXX upon receiving a new t elephone number i notified chime and provided proof of id and ownership as requested to do so and was told my number was changed. The chime app is the only method if assess to monitor your funds and a user is often forced out sometimes being mysteriously let back in. On XX/XX/XXXX i was once again being forced out of the chime app i was prompted to manually change my number that was supposed to be changed in XX/XX/XXXX by chime to gain assess. i was asked for identifying factors which i provided then asked to provide a code sent by text to my telephone which i tried to do 5 times before calling customer service. I called customer service and asked what the problem was which was never answered asked yo send identifying info to support which i did. I waited several hours to assess my account again to pay bills and was notified that my account was suspended I emailed and was prompted to send further id to which provided again. I have emailed and called on XX/XX/XXXX, XX/XX/XXXX on which i was told my problem. was being escalated and would be solved in 24 hrs, XX/XX/XXXX to no avail even speaking to supervisor XXXX the would not tell me why my account was suspended offered no support and told me to email. I now have no XXXX to unemployment monies which took five months for me to receive In the middle of snow storm and pandemic. I am confused. And without out funds that are mine. I am also unable to monitor my account for fraud and theft. This is happening to others too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: DC
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:
An account appeared on my credit report from XXXX XXXX XXXX on XX/XX/2019. This account does not belong to me and should to be removed 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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are ( 2 ) inquiries from the following merchant that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-03-28
Company: Experian Information Solutions 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 contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX XXXX XXXX and XXXX XXXX XXXX , and 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 2020-07-04
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  XXXX put on my credit report a charge off that belonged to my son. He was scammed In his checking account and his account had a balance. I reached out to XXXX  XXXX to tell them I didnt know his account was scammed. Hes XXXX and I helped him open it at XXXX. I paid the {$1800.00} he owed and it was suppose to be removed from my account since I wasnt aware it went to collections and he was scammed.

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 2018-02-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I looked at my credit report in XX/XX/2017 and saw a collection from Convergent that was negatively impacting my credit. I was not certain if this account belonged to me. I sent a letter to Convergent on XX/XX/17 asking them to verify if this account did indeed belong to me. Convergent responded shortly after with an attachment from XXXX in which the debt was for. However, the amount in the attachment convergent sent me was less than what convergent is reporting to the credit bureaus that I owe. I believe this to be a violation.

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 2018-02-09
Company: EQUIFAX, INC.
State: NC
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 a fraudulent account on my credit file. XXXX XXXX # XXXX is a fraudulent account that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the account from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this account was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
- We left the apartment XX/XX/XXXX, XXXX was charging us for XX/XX/XXXX - XX/XX/XXXX usage. 

- Credence Collection Agency ( copies of email attached ) emailed that they will flag the case back in XX/XX/XXXX and will CEASE all communications regarding the matter. But then I received another bill dated XX/XX/XXXX ( see attached ). 

-Again this case was a case of identity theft. You may call XXXX Apartments to verify that we left the place XX/XX/XXXX. Their number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: Advance America, Cash Advance Centers, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX XXXX in XXXX, Virginia, did not notify me that I was on my fifth loan with the 180 day time period at the time of the loan, nor did they tell me that I had the option of repaying that fifth loan in installments. When I returned the next day to reborrow, I was informed that I was in my 45 day waiting period, and could not reborrow. This has put me in jeopardy of not being able to pay certain bills that I need that loan to pay. Prior to this, I had an excellent repayment record with that company. Now, the management of the company will not respond to my calls nor messages to speak to me about the problem with their employees lack of information about the loan process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.

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 2017-08-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago. This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court. Previous response : XXXX XXXX, 2016 Re : XXXX XXXX XXXX CFPB Case : XXXX XXXX Ref # : XXXX OC Account # ending : XXXX XXXX XXXX : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number XXXX and have reviewed your complaint and discussed this with our servicing attorney as well as XXXX XXXX XXXX. Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the XXXX XXXX account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. XXXX XXXX , XXXX is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting XXXX XXXX to obtain the information used to open the credit card, XXXX XXXX , XXXX has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted XXXX XXXX XXXX XXXX to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that XXXX XXXX remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing XXXX XXXX , XXXX a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2018 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2018. 

For the seventh time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous six illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.

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 2021-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I logged onto XXXX and filled out the XXXX request free weekly credit report page, as directed by the consumer.ftc.gov website. 
Not one of the 3 reporting companies, Experian, XXXX nor XXXX  is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.

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 2019-11-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example experian gives you a FICO Score XXXX, but lenders use FICO score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my FICO score for the mortgages and auto is much lower than what the FICO score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how FICO determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company received over XXXX for past due taxes. They only needed {$10000.00}. 
A partial refund was received and the mortgage company kept the additional money they received from NY state without permission or my knowledge. Instead of paying the current tax bill with the money they kept, they applied the money towards the principal on the mortgage without permission or knowledge. 
It took two hours on the phone, because the bank kept stating they never received the {$27000.00}. 
Which I have documented from the bank itself.

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 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm a victim of identity theft

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