BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: EQUIFAX, INC.
State: OR
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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX ( My Credit Report ) Illegally in two ways shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX on my Credit Report. 

The Company XXXX XXXX XXXX  contacted Equifax electronic to remove this Charge Off Account as past 6 years old per Oregon Collection Laws ORS 12.080 Section 4 -Defined from my Last Payment XX/XX/XXXX per ORS 12.090 Section 1. Amount : XXXXOrginally {$620.00}.  Charges were not proven to me either-no account statement provided either. 

XXXX XXXX XXXX  obeyed the Oregon Collection Laws as I am a resident since XXXX. They contacted each of the three Credit Bureaus and Equifax illegally ignored the request in writing by XXXX XXXX XXXX Electronic to remove the Charge Off Account. 

So I am maintaining they are willfully ignoring Oregon Collection Laws-they are not in sharp contrast to Federal so must obey State Law per 15 USC 1681 Fair Credit Reporting Act. Have delete my collections in 6 years-Oregon Resident! 

How is the collection reporting accurately when XXXX XXXX XXXX  demanded removal of it several months ago. I also followed up with a letter-after XXXX XXXX contacted XXXX XXXX. I do not need to wait 7 years Federal due to Oregon Collection Laws.

Demand Removal oXXXX XXXX XXXX XXXX off my Credit Report-Company asked for it to be removed too!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax reported to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that I had a XXXX credit score, while XXXX and XXXX show that my XXXX is over XXXX. This caused a loan at a ridiculously high interest rate, When I checked Equifax, some if not most of my personnel information is not close to being current. How can they be a " guide '' to banks and such when they XXXX at keeping records. 
I am very frustrated with their online process also as it is not very user friendly to older and non-computer savvy individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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:
There are two loans that are on my credit report that do not belong to me I have been writing to XXXX Equifax And XXXX since XX/XX/2020 regarding these two accounts and they have not given me anything to work with. Then I decided to open a FTC report regarding this and still nothing. Now I have never opened any loans or signed any papers regarding this loan and yet it is still on my credit. This is affecting my life negatively and I dont need this right now during these hard times. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Affirm Holdings, Inc
State: TN
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:
Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : Affirm Inc, and XXXX XXXXXXXX XXXX XXXX. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my XXXX credit report. I have tried contacting them, and they said they would research this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- --. 
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 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 with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2023-03-27
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid for flood insurance in timely way and provided proof of coverage to Webster Bank as requested. They nonetheless charged me for forced placement and disbursed from my escrow account payment for an additional flood insurance policy more than twice as expensive with no authorization from me or legal justification. 

Here are the relevant dates : Purchased Flood Insurance on XX/XX/XXXX for {$1000.00} ( canceled check attached ) ; Provided Webster Bank proof of coverage on XX/XX/XXXX ( copy of email communication to Webster Bank attached ) ; Webster Bank  disbursed from the escrow account in connection with my mortgage forced placement of an additional flood insurance policy for {$2200.00} ( mortgage statement attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are on authorize items on my credit report that I did n't pull my credit 17 hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process of lowering the interest rate ( Interest Rate Reduction Loan/IRRL ) on this account in the XXXX XXXX timeframe. The IRRL is a rate reduction and term program that is simple with no appraisal and no income required. They had me fill out the required income, pull a hard copy of my credit score, and had me fill out incorrect paperwork. I did the " closing '' signed all the documents ; however, because of the pandemic forbearance, Mr. Cooper nullified the agreement after the closing, after the fact. In XXXX I continuously asked for the interest to be lowered, they denied it several times. Finally, in XXXX of XXXX, Mr. Cooper advised that I had to fill out a " loan modification '' to get the interest rate lowered. I paid Mr. Cooper {$58000.00} in XX/XX/XXXX. I asked again and applied for a lowering of the interest rate. I filled out paperwork, again, and was denied again because they said the VA would not allow me to do this. 

I paid over {$35000.00}. in interest for XXXX. I went to another mortgage company that successfully lowered my interest rate and bought out the loan from Mr. Cooper. Mr. Cooper 's failure to grant me the lower interest rate meant that I paid too much money that I did not need to. They falsely claimed I was not qualified when I was. They took so much money from me when my husband was sick ( and consequently died ) when a pandemic was devastating us health-wise and financially. 

Mr. Cooper denied my requests for 2 years stating that I was NOT qualified when I was. 

The fact that another mortgage company easily processed my IRRL and did not have an issue with it or the VA demonstrated that Mr. Cooper was making a lot of money off of me and knew it could be done, but they chose to falsely claim that the VA denied it or that my credit was not sufficient, which they did a hard pull on my credit that they did NOT need to. They were deceptive in their practices by false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ATTEMPT TO COLLECT THIS DEBT ON BEHALF OF A UNKNOWN COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Spring Oaks Capital, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account Spring Oaks Capital is being reported on my XXXX credit report as a result of identity theft. This company is a collection agency that purchased a debt from XXXX XXXX XXXX. XXXX XXXX XXXX is the issuer of a credit card account which was opened fraudulently. The specific credit card goes by the name of XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX The XXXX account has been removed from all three of my credit reports however the collection account owned by Spring Oaks Capital still remains on my report. I have sent an FTC report to XXXX and they sent it to this company and they illegally verified this information as accurate. It is against the law to report a collection to my credit report when the delinquent account that they bought from the original creditor has been deemed as fraudulent. I have uploaded a letter from XXXX stating that XXXX obtained my credit report in what has been deemed a fraudulent application, meaning the opening of the account is also associated with fraud. I have also provided an email from this debt collector clearly stating that they are attempting to collect a debt and that the original account is a XXXX XXXX issued by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started dealing with XXXX XXXX ( NMLS ID # XXXX ) in XXXX to apply for a 30 year fixed loan to refinance my current 30 year fixed loan to get a lower payment. 
After running my credit, etc., she offered a 30 year fixed loan with a rate of 2.375 % with a payment of $ XXXX/month. There was also cash back of {$520.00} to repay me for their loan application fee of {$500.00}. 
As you will see in the documents attached, the actual offer was nowhere near her stated offer. 
As a result, I have suffered material damage due to losing out on other competitive offers from companies like emortgage and others because I believed her offer to be valid. 
I've spoken with her several times regarding getting a firm offer with the terms she described, but have been unable to do so. I have multiple emails to this effect. 
Additionally, AmeriSave has requested the same documents numerous times after they were sent them previously.

Moreover, the AmeriSave website shows that no other documents or requirements need to be met and yet I have no firm offer still!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
OCWEN HAS CONSTANTLY REPORTED MY ACCOUNT BALANCE INACCURATE EACH MONTH ON MY CREDIT REPORT I DO BELIEVE THAT THIS IS DISCRIMINATION AND A RACIAL INTENT TO HINDER MY SCORE. I PAY MY MORTGAGE ON TIME EACH MONTH I HAVE CONSTANTLY REACH OUT TO THIS COMPANY TO HAVE MY LOAN INTEREST RATE REDUCED RATE IS 12.4 PERCENT WHICH IS CRAZY AND THEY CONSTANTLY STATE THAT THEIR IS NOTHING THAT CAN BE DONE./ THIS COMPANY IS A PREDATORY LENDING COMPANY AND SOMETHING NEEDS TO BE DONE. THEY CONSTANTLY DO AS THEY PLEASE WITH REPORTING INACCURATE INFORMATION AND USING RACIAL DISCRIMINATION FOR THEIR OWN FINANCIAL GAIN. I HAVE REACHED OUT TO THE COMPANY AND THE OMBUDSMAN AND STILL HAVE NOT RECEIVED A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: IL
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 trying to get this late off my redit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please REMOVE the following inquiries due to the EQUIFAX and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. 

**Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX  Inquiry Date XXXX XX/XX/2019 **Creditor : EQUIFAX MORTGAGE SOL Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX Inquiry Date : XX/XX/2019 I really thank you for taking the time out of your busy day to solve this DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Self Financial Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Opened a Self Credit Builder Loan in XX/XX/2020, reduced hours and eventually lay off within 2 weeks due to the National Coronavirus Pandemic. Contacted Self to close the loan and account. Account was paid in full by security interest Certificate of Deposit. 

Account was not closed until lender showed 3 late payments. The account is showing closed on my report but not reflecting accurately as to payments. There were no payments made or due as the loan was not open long enough and was immediately paid in full. 

Have contacted the company and have encountered long wait times and then promises of corrections and email updates that never come to fruition. 

This is incorrect information and is impacting me negatively and severely for a situation that was totally out of my control. 

I never fell behind on payments or asked for any special assistance in regards to the acccount. Simply requested it be closed. Then requested the information be reported accurately which has not occurred to date. 

However I am now requesting that the company delete the account and record to all three bureaus as having never existed. 

I have since regained employment and started financial recovery from the Pandemic. I chose to open a new account with Self and it is being reported accurately at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not 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 2020-09-21
Company: Netspend Corporation
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Consumer 's Original Complaint : I have been with this bank for over 10 years. m=My account was closed due to compliance rules before my direct deposit posted without prior notice. 
checking account ending XXXX   savings account I am a retired XXXX veteran and my checks are protected. I have to go through alot of red tape due to the epidemic that is going on most government agencies are not fully staffed. This is unbelieveable and is not an easy fix.

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 2023-08-11
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX - called letting them know I have no knowledge of these accounts and they didnt do anything. {$600.00} & {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: DISCOVER BANK
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
Ive submitted 3 letters requesting proof that the charges are mine. I did not purchase anything! I do not own a home and have never need to purchase anything regarding the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TD Auto Finance is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Being that we are all in the midst of a pandemic, I am experiencing financial hardship. I called this company and verbally set up payment arrangements to stop all automatic transactions because I was facing eviction. I made my payment as scheduled and the following day they went in my account after they agreed not to and when I called and spoke with them, they acted as if they knew nothing about the payment I made and the payment agreement. I asked to speak to a supervisor and was told I'd be contacted by a supervisor by the end of the business day. I live in Virginia and they are in Tennessee. I know my time zones and no one called me back. I don't appreciate them stealing from me because that's what they did. I understand I have a debt to pay and will pay it. All I ask is you stick to the agreement made between us. And they claim the payment can not be reversed which I know is a lie. Now I have to figure out where to get the money I need to stop my eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: OR
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:
Sent a letter on XX/XX/23. Company still has not responded. The collections company holding this debt has removed the debt off credit report. This credit card company has not as of yet.

Company response to consumer: Closed with non-monetary relief