BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: NY
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:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
**THIS IS NOT A DUPLICATE** I mailed a payment into Chase Auto Finance and payment/ envelope was returned. 

I am resubmitted to have this issue taken care of. I have provided a copy of written check/ envelope that was returned. 

The derogatory remark should be removed. If not I will be seeking legal representation to have item removed, since I have provided sufficient evidence of returned mail item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: LoanCare, LLC
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:
My EX-WIFE used my name, social security, personal finance information ( she would have had access to because of current alimony modification court proceedings ), to ATTAIN A " JOINT '' XXXX   XXXX REFINANCE on HER home. I have no doubt she forged my signature ; this is something she does repeatedly, to include on tax paperwork. 

I have contacted the company XXXX XXXX in XXXX XXXX ) and am disappointed thus far by their slow reaction. I have also contacted XXXX to have this person 's home removed from my credit. 

I even included my divoce decree which clearly stated that I have no liability, responibility or ownership of her home. This was XXXX years ago. I have not seen, spoken to or had ANYTHING to do with this woman in YEARS. I have a legal " no contact '' order against her. Yet now I somehow " jointly '' own a XXXX year refinance with her?! 

HOW can a loan company be this open to fraud, deception, and ID 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
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 In which I have repeatedly stated that bankruptcy info listed in my credit report is inaccurate, I've also requested that Equifax provide all documents that Equifax is required under 15 USC 1681g to have hard copies of on file. If Equifax does not have the required documentation, Equifax is required under FCRA 1681i to delete the report. I've also cited FCRA 623 ( a ) ( 5 ) which states if Equifax can not validate the information it must be removed. I've also cited FCRA 609 ( a ) ( 1 ) ( a ) with requires Equifax to verify information through physical verification, each time Equifax has denied my request to provide physical documentation, and has instead cited XXXX as the source of their alleged validation, which is completely in violation of FCRA 623 ( a ) ( 5 ). I've also cited XXXX XXXX XXXX. XXXX, XXXX XXXX , Et Al., v. Equifax, where Equifax has violated the FCRA. On my credit report from Experian it shows someone used my last name, a different address and variation of my SS #, this is obviously why a bankruptcy is showing up on my credit report, which could be easily done by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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 complaint has been submitted several times I've complained about being a victim of identity theft. Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX  XXXX  I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. The Intruders accessed names, Social Security numbers, birth dates, addresses drivers license numbers, and credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion Credit Bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2019-03-29
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX is calling from a spoof number acting like they are from my XXXX area code but they are in Georgia. They have been asked repeatedly not call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from the law firm XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating my account from Capital One had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with Capital One. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Mobiloans, LLC
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:
Mobiloans reported to the credit bureau XXXX that I did not make an XXXX payment. On their client portal website and in my bank you can see clearly the 2 payments via ACH debit that Mobiloans charged. I contacted transunion and was informed that I needed to contact the creditor so they can stop reporting misinformation. When I contacted mobiloans the representative refused to help me and said she doesnt do anything with credit. I asked to speak to a supervisor and was told she would send an email and will not be able to get on the line. I tried asking her to please transfer me to a supervisor but before I could finish my sentence She placed me on hold and then came on and said her supervisor XXXX said to email because she couldnt help me & theres no one I can be transferred to.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-26
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Was notified via phone message from " American Express fraud department '' someone had tried to open an account in my name, was asked to verify my social security number, name, and date of birth. After two attempted phone calls back to American Express, I retrieved a safe phone number I thought from American Express website I did verify my name, date of birth, and only the last 4 digits of my social security number. The date was XX/XX/2021. 
I ran a credit report today XX/XX/2021, it shows a " Hard Inquiries '' on XX/XX/2021, from AMEX as well as XXXX XXXX/XXXX  on the same day. I did NOT request to open either of these accounts. 
I will attempt to notify American Express again. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were the victim of a serious loan servicing transfer error in XX/XX/XXXX. Our loan got mixed up with the loan of another individual. The payments we made got applied to the loan of the other individual and a foreclosure was started against us. The mortgage company would not give us information on the other loan that was receiving our payments. Five foreclosure actions were filed against us. In these foreclosure actions the mortgage company and its attorney provided false documents to both us and the courts. The original note and deed of trust were needed to foreclose and the mortgage company did not have these documents. We were never able to resolve this issue. Years went by. The foreclosure started on XX/XX/XXXX. On XX/XX/XXXX, the mortgage company filed their fifth foreclosure action. We filed the defense that the loan was past the XXXX year statute of limitations and XXXX Bank XXXX XXXX was not the real party of interest. There were, also, two names were attached to this foreclosure action. Ocwen did not respond to this action and allowed it to be dismissed. This dismissal action was a confession that the loan was extinguished, destroyed and could not be revived. XXXX Bank XXXX XXXX also confessed they did not own the loan. We waited the 90 days to get notice that the loan had been released. Instead we received a notice in XX/XX/XXXX that PHH Mortgage Corporation now owns the loan and they were commencing yet another foreclosure action. We filed an adversarial action to have the deed of trust released on XX/XX/XXXX. The position of PHH Mortgage was that statute did not destroy the lien and they were going to reargue the case and revive the lien. They admitted the lien was past the statue of limitations. The payment due date was XX/XX/XXXX, XXXX lien had been allowed to be destroyed. It could not be revived. PHH Mortgage made the argument anyway. The argument did not revive the lien. 
We did a Qualified Written Request ( QWR ), asking for the identity of the owner of this loan. It was sent certified. We received the notice our request had been received but never received an answer as to who owns our loan. Failure to comply with a QWR is a federal offense. You have to tell the borrower who owns their loan. Another company is also asserting their ownership of the loan. PHH Mortgage Corp. is making false statements to the court and misrepresenting evidence and failing to comply with federal regulations in order to gain ownership of our home. They have allowed this loan to go past the statute of limitations by their own actions. PHH Mortgage should release the XX/XX/XXXX DEED OF TRUST to this loan as legally mandated by statue.

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 2022-07-12
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : 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 2022-07-12
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax carelessly mishandled my personal information which has put me and 180 million other people at risk of identity fraud. The fact that I have never personally used any Equifax service and the fact that I was never notified of this and only found out a month later through news outlets makes me feel helpless and this situation seem unfair. Even now the amount of effort and money I have to put towards trying to secure this information and freeze my assets is somewhat absurd and should be entirely absorbed by Equifax, not placed on the consumer. Words can not describe how disappointed I am in this system and how imperative a change is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: GA
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 : account # XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 15 USC1681 section 602 A states that I have a right to privacy. 15 USC 1681 section 604 A section 2 states that a cosumer reporting agency can not furnish an account without my written instructions.

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 2022-08-25
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: Reporting company used your report improperly

Complaint:
Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2017-09-08
Company: EQUIFAX, 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:
On XX/XX/XXXX, Equifax was breached by unknown parties and my credit information - SSN, addresses, DOB - was leaked. I was only made aware of this on XX/XX/XXXX when media outlets began to report the breach. Despite having had more than a month to communicate or attempt to provide some sort of remediation, they have done nothing. Furthermore, the tool used to check whether or not my data was stolen only suggested that I return in a week to sign up for indentity protection services. This is an unacceptable state of affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MI
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:
It is being reported that Equifax had a massive security breach, resulting in the compromise of myriad Americans ' personal information. According to a website set up to check, I appear to be affected by this hack/compromise. As a result, I have had to pay money to place freezes on all of my credit reports. I believe that Equifax should have taken all possible actions to secure my data, along with the data of all others compromised today. I will absolutely speak with an attorney about a lawsuit in order to recover the {$30.00} I spent today freezing my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need 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