BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I submitted a complaint to CFB complaint # XXXX-XXXX. Equifax responded that my identification did not match there records, However Equifax did confirm my information when I made a Complaint to the XXXX XXXX XXXX on XX/XX/2020 case # XXXX ( see Attached document from XXXX ). In the response to my complaint they reviewed my file and would respond no later than 10 days. Todays date is XX/XX/2020 and I have not received a written response yet. I would like to provide a copy of my Texas Drivers License as to provide the information needed to take the inaccurate and false data on my credit report. In my complaint on XX/XX/2020 I provided documents showing proof that account numbers don't match on any correspondence from the Department of Education/XXXX/XXXX, However the did not investigate a inaccurate and false data on my credit report was because Equifax could not locate my file with the information provided. Please forward my Texas Drivers License ( see attachment ) to provide proof of identification to investigate that they a currently violating FCRA by reporting The Department of Education/XXXX XXXX as being closed on my credit report. the account numbers don't match on 2 different Equifax credit reports ( see attached documents. I provide documentation were the Dept of Education Offset Unit has a different account numbers. The are 6 different numbers however none of the account numbers match.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX-XXXX  XXXX  XXXX  - closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Balance updated XX/XX/2019 Unknown payment history Account Info Hover over labels for more details Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
This is my third attempt to reach out to the credit bureaus to remove accounts that I do not have knowledge of. My rights are being neglected and violated. The accounts that I am filing a dispute on are coming back validated yet I am receiving inaccurate key factor information. I need these accounts removed immediately before further legal action will be taken. Please refer to my attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is reporting me late to the credit bureaus even though I 'm using their bimonthly service. For example, payments will be received timely by Ocwen, but they do not post them timely. Most recently, I received a default letter from Ocwen, when my payment is current. I 've called Ocwen before about this, and was told numerous times, that I was n't being reported late to the credit bureaus. In my opinion, Ocwen does n't know how to handle a bi-monthly payment - they are holding funds in the suspense account w/out applying them in a timely fashion. I want my credit report corrected to show that I have had no late payments with Ocwen since XXXX, XXXX. They are reporting me late for XXXX, XXXX and for XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Account Brokers Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS MY 2ND ATTEMPT TO CONTACT ACCOUNT BROKERS DEALING WITH THESE ALLEGED DEBTS OF ( {$2300.00}, AND XXXX ), THAT I DO NOT OWE.I SENT THE FIRST LETTERS OFF ON XX/XX/2020 AND THEY DIDN'T RESPOND, AND I RECENTLY SENT THE LAST LETTERS OFF ON XX/XX/2020, WITH NO RESPONSE TO THOSE EITHER.IT IS A VIOLATION OF THE CREDIT LAWS BY NOT RESPONDING WITHIN 30 DAYS AND THIS IS DAMAGING MY CREDIT WITH THESE INACCURATE ACCOUNTS.I HAVE ATTACH COPIES BELOW FOR YOU TO SEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Real Time Group, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Real Time Resolutions Inc. [ RTR ] collected mortgage payments from me illegally after XXXX XXXX XXXX closed ( wrote off ) my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Basically i came to the end of my car loan, made the last payment and got a confirmation number. A week later the funds were still not taken out of the account, i called Mid Atlantic Finance back to find out what 's going on - they said the method of payment - check over the phone - can not be done for the last payment. I payed using this method for 15 consecutive months. When i payed off the car the first time the final payment was about {$330.00} + {$6.00} ( the XXXX is the fee just to make a payment ). When i payed it yesterday the new final balance was {$350.00} and the {$6.00} was waived. So basically i payed interest on an account that should have been closed, this constitutes fraud and after doing some research found all sorts of people with similar stories dealing with mid atlantic finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Chime Financial Inc
State: GA
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 sent a deposit in XX/XX/XXXX to a vendor for a move to XXXX  from XXXX that was to occur in XXXX of XXXX. I cancelled the move in XX/XX/XXXX and I requested a refund. The vendor kept telling me it was in process. I had used this company in the past so I wasn't concerned. When it was past 60 days I reached out to Chime asking that this transaction be cancelled. They have refused even though I have explained what happened and provided the XXXX emails I sent to the vendor requesting my money back. The vendor stopped communicating with me. The amount I am trying to get back is {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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 am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Experian and help me get these resolved. I am not familiar with the majority of these companies and I have yet to see any proof that these accounts belong to me or that I owe these companies anything. They are also in clear violation of Metro 2 compliance as I have pointed out in my dispute letters but they haven't responded or shown me any proof. Please help me get these negative accounts removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I WAS CHARGED INTEREST ON A MORTGAGE PAYMENT TO OCWEN FOR XXXX OF 2016 WHEN MY MORTGAGE WAS PAID OFF ON XX/XX/2016.MY LOAN WAS PAID OFF SO NONE OF MY PAYMENTS SHOULD BE TO ANYTHING BUT PRINCIPLE AFTER XXXX. 
OCWEN CHARGED ME INTEREST FOR BOTH XXXX AND XXXX 2016. OCWEN IS A PREDATORY MORTGAGE SERVICING COMPANY RUN BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2010 my mortgage owned by Litton was sold to OCWEN. OCWEN immediatly served me with foreclosue process, even though I was keeping up with my payments with Litton. I spent 9 frustrating and expensive months ( paying legal fees ) to obtain a loan modification. I tried to send payments in during the 9 month period but OCWEN would reject them. As each month passed I never knew whether me and my young daughter would have a roof over our head the next day. When my loan modification was finally obtained, OCWEN promised that if I made my payments on time for 3 years that they would forgive the fees and penalties they had accessed me during the foreclosure process. I kept my payments on time for the past 5 years and now am getting ready to sell my home only to discover in Escrow documents that OCWEN is charging me an additional {$70000.00} in addition to my mortgage payoff amount. They are calling them " shared appreciation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My initial loan to buy my home was with Homecomings in XX/XX/XXXX ; it ended up with loan servicing Ocwen ; loan XXXX ; Ocwen had a foreclosure hanging over my head until XX/XX/XXXX ; Ocwen originated a loan modification agreement ( shared appreciation ) payments too high and did n't make sense at all. This week I received a form that Ocwen discharged {$220000.00} and they sent to the IRS. Where did this come from? Ocwen had refused to ever reduce the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2020 i sent my 1st set of letters to HEAD MERCANTILE CO I ABOUT SOME ALLEGED DEBTS OF XXXX, AND XXXXTHIS IS MY SECOND SET OF LETTERS WITH NO RESPONSE.THIS IS VERY DEPRESSING THAT I CANT GET ANY ASSISTANCE IN THIS MATTER.I HAVE ATTACHED COPIES BELOW ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: VA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681CXXXX 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2015-07-15
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen at XXXX Hospital in XXXX, WA XXXX XXXX 2009. The visit was paid by XXXX. ( workmans compenstion XXXX XXXX XXXX XXXX also billed me for this visit and was giving the XXXX insurance information. 
Today I received a bill from Dynamic Recovery SolutionsXXXX XXXX XXXX XXXX, SC XXXX for $ XXXXfor the XXXX XXXX, 2009 visit. XXXX from Dynamic Recovery Solutions said it was for XXXX Hospital even though it says XXXX XXXX XXXX. on their bill to me. Original Account Number XXXX Account No : XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said they do n't have this bill anymore, and that it was a XXXX claim. They also said they do not work with Dynamic Recovery SolutionsI believe this is a scam to scare me into paying a bill that has already been paid. Since XXXX XXXX, 2009 is more than 6 years ago they might think I will pay this having no records of it myself. 
I do not owe the {$420.00} and this hospital visit in XXXX XXXX 2009 was covered by and paid for by XXXX. 
Thank XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: MS
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: Other problem getting your report or credit score

Complaint:
I'm filing this complaint due to Experian failure to provide my consumer report and reinvestigation results via United States Postal Service. I have notified Experian in writing to send my disputed results along with my consumer report via USPS.

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 2022-10-21
Company: Capio Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capio Partners have added a medical debt to my credit report despite not sending any communications. I do not recognize this debt and dispute it. Capio Partners is clearly a dishonest company and needs to be fined off the face of the earth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: CAINE & WEINER COMPANY, INC.
State: IL
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:
On XX/XX/2019 Caine Weiner added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Caine Weiner has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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