BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
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: Public record information inaccurate

Complaint:
on XXXX XXXX 2017 my husband disputed our public accounts that reflected judgements that have been satisfied already.Equifax removed one of the judgements but failed to remove the other. His was reported as well in the same phone call with the agent. My dispute number is as follows from that date:XXXX or XXXX. They have correctly removed them from my husbands report in which the attached photo will show. But they have n't removed from mine and I now saying I have to wait another 30days for them to remove. As they have to file the dispute all over again. Equifax claims that there was no dispute but yet I have the records to show different,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax received my certified letter on XXXX XXXX, 2016. My correspondence requested Equifax to provide a physical verification of the original contract signed consumer contract, which is required by Federal Law according to the FCRA 609 ( A ) ( 1 ) ( A ), Equifax is required to provide these documents before accounts can be posted on my credit report. Equifax still has not responded to my communication. Since Equifax was unable to verify my account I am demanding that report information regarding XXXX Child Support be removed off my credit report immediately as Equifax is in violation of the law and are reporting this information incorrectly. If Equifax does not remove these items from my credit report I will continue to file a small claims action against Equifax and XXXX XXXX for damages of {$5000.00} for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
The tracking number for the request that was sent certified mail is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent everything certified mail as well. 

This is all for Account name : XXXX XXXX XXXX XXXX 
Account number : XXXX. 
Your agency is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : 1. Deformation of Character. 2. Neglect meant enablement of identity fraud. 3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For 11 years I have been trying to help with my mortgage I'm currently in. It is a fluctuating mortgage started with " XXXX  XXXX XXXX  '' which never worked with us then sold to " Bank of America '' who now is our mortgage lender. 
They will not issue us a fixed affordable mortgage rate. The loan was originally {$190000.00}. + a {$50000.00} balloon mortgage. ( which at the time I was lucky enough to pay off the balloon mortgage ) Currently because we tried fixing this with them, they increased the loan to approx. {$210000.00}. That's the help they gave us to put me more in debt. I'm currently at almost 7 % on my rate. The home is now valued at around {$110000.00} and is decreasing more and more in value over the years. Now I'm cut back at work about 12 - 20 hours a week because of this pandemic ( covid - 19 ). 
Every time I have attempted to contact the Bank it is jumping through hoops to get in contact with someone to help. They repeatedly mention they're a debt collector .... Then once you do get a rep on the phone they purposely make it a way to be intimidating over the phone making it impossible for me to talk to them as well. 
Today I tried speaking with the again about the potential help I can receive in regards to the mortgage and they want you to do it all online. So I set up the ID and now there's a 5 day wait for a password to log in and even try to put through my application. This is a stall tactic on their behalf and I do not have time nor can afford this. I'm going to get behind on payments and this is devastating. 
I appreciate any help or guidance you can help me at this time!

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 2021-11-24
Company: Bread Financial Holdings, Inc.
State: NY
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 received a bill from Commenity Bank XXXX for a renewal membership from XXXX XXXX XXXX. On approximately XX/XX/2021 I called Commenity Bank to cancel their credit card, which they did on XX/XX/2021. I was informed immediately by Commenity that they would not call XXXX 's because " we just don't do that '' and that it was my problem. I then called XXXX 's and spoke to someone who said my membership fee will be refunded on my credit card. 

On XX/XX/2021 I called Commenity Bank and spoke to XXXX ID # XXXX. She said nothing is posted from XXXX 's and I need to contact XXXX 's. Whereupon I called XXXX 's and spoke to XXXX, Ticket # XXXX. She said they would escalate it and call me back. I never received a call back or email from XXXX 's. 

I called XXXX 's again Ticket # XXXX. The representative reiterates escalation to a credit department and a call back or email in XXXX hours. No one ever calls back. 

On XX/XX/2021 I called XXXX 's and spoke to XXXX, XXXX # XXXX. He said he would escalate this matter to the credit department and someone would call back in XXXX hours. No one contacted me. 

On XX/XX/2021 I called XXXX 's again and spoke to XXXX XXXX. She used my original Ticket # XXXX and said yet again she would escalate this matter and then call back or email in XXXX hours. No one called or emailed back. 

I did not send a letter to Commenity to preserve my rights in this matter. It is now past 60 days. Commenity will not call XXXX 's and XXXX 's will not issue a refund. They keep stringing me along and Commenity just continues to tack on fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t received any investigation results.

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 2021-11-24
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi! My issue is with PHHMORTG. I was on the XXXX XXXX XXXX XXXX from XXXX, XXXX- XXXX, XXXX due to loss of income. During this time period, I was approved for XXXX and began making partial payments, as well as, some full mortgage payments. 

After my Forbearance Plan ended XXXX XXXX, XXXX returned my payments for XXXX, XXXX and XXXX, XXXX in XXXX! On XX/XX/XXXX XXXX mortgage payments were returned causing me to be behind XXXX ( XXXX ) PAYMENTS!!! 

I was never notified via mail or over the phone when making previous mortgage payments that individual payments would no longer be accepted once the XXXX XXXX ended. 

My XXXX payment was made over the phone and applied towards my XXXX, XXXX mortgage on XX/XX/XXXX which is the day that I received my SSDI. My XXXX payment was made over the phone and applied to my XXXX mortgage on XX/XX/XXXX which is also the day that I received my SSDI. Both payments, each month, were taken out of my bank account. 

Out of ALL of the daily, weekly, and monthly calls from XXXX not XXXX representative EVER alerted me that single/individual payments were no longer going to be accepted after my Hardship program end date. 

With that being said, in XXXX, after I received the XXXX returned mortgage payments, XXXX recommended that I apply for the Mortgage Assistance Program in an effort to obtain a Loan Modification and add my outstanding balance to the end of my loan. 

I submitted the application, along with, my XXXX documents and whatever else they requested. It has been documented that I have been calling PHHMortg ever since XX/XX/XXXX inquiring about the status of my application! Each time my calls have been transferred multiple times as I repeat my concerns only to end up with another wait for a XXXX - day interview appointment with my mortgage specialist case manager. It is now XX/XX/XXXX. I spoke to my PHHMortg Case manger again today and literally cried when she told me the underwriters are still reviewing my application and no decision has been made for a modification. I am now 6 months ( {$6000.00} ) behind. 

She also mentioned today that I can begin making single/individual payments only AFTER I pay the {$6000.00}. I would still be in a position to be considered for a modification. 

I was also informed by my case manager that in a FEW more days, next Wednesday, XX/XX/XXXX that interest and late fees would start accruing to my XXXX and future payments along with negative reporting to the XXXX Credit Bureaus if I do not pay the {$6000.00}. I can only prevent these negatives if I can come up with {$6000.00} by next WEDNESDAY!!!! 


PLEASE HELP!!! I am in desperate need of {$6000.00} mortgage relief assistance. I have been in my home since XXXX, XXXX. I do not want to leave or go into foreclosure. Some how the XXXX XXXX that was designed to HELP has done the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE 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:
THESE ACCOUNTS ARE NOT MY ACCOUNTS

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 2017-08-15
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i am trying to submit a loss mitigation application to fay servicing i keep sending forms they want more i send them they say its not fill out right right i know they are ok i ask them to send another form it takes almost two weeks.the account manager is never available its like they kill time until time to take the house, my wife had a XXXX XXXX in XX/XX/XXXX our daughter gave her th XXXX they both had a few problems after XXXX.and my wife have had XXXX XXXX XXXX since medical bills and medicine was so exspensive i had i had to borrow money on the house which we have been in since XX/XX/XXXX.i got a little behind, we can make payments if only give us a chance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son went to the hospital ER for a injury, he's a Jr and a adult at the time of the visit. Some how the hospital used his birthday and my social security number and now a collection company called PHOENIX FINANCIAL SERVICES LLC has been putting the bill on my credit report despite my effort of contacting them and them agreeing to remove it because the social security number and birthdate is not a match. Also during the time this was created I had medical insurance through XXXX that covered me 100 % ( Care Source ) This is not my bill and I have been dealing with this for years and I'm not getting no where. They took it off once but now the posted it again. I even disputed through all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: MN
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:
A thief stole my social security number and used it to hack into my Experian account and run several soft inquiries and two hard inquiries ( XXXX and XXXX  ). I was able to stop the XXXX card in the application process. I was able to close two credit cards opened with BOA, via their Fraud department. Experian is showing both were legit inquiries even though they were not run by me. Again, the thief was able to access my Experian account and change the email address to XXXX ( not my email and I have since corrected this ). I learned of the identity theft when the thief set up an account with USPS and placed my mail on hold. USPS has been notified and I was able to retrieve my mail before the thief did. A police report has also been created. I'm not sure what the call to action is here. More than anything, I'm wanting to alert you to how easy it was for someone to gain access to my SSN and subsequently my credit 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 non-monetary relief
Consumer complaint received 2018-03-15
Company: Weinberg Mediation Group LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company has been calling my previous job. After contacting them I asked why I didnt receive a letter in the mail or a phone call on my personal phone, she stated she didnt know why. I asked for a letter stating the debt and my options of any, she refused and said she could do it via email. I stated I needed a letter in the mail, and she said I do not have time to mail anything as a judgment will be sent over to your local court house tomorrow. And they will put a judgment on your name, and garnish your wages. I asked why she was talking to me in the tone she was talking to me in, and she hung up on me. I tried to call back and the number is not working now, and my calls wont go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They wont stop reporting to experience XXXX  and XXXX  already took off. It has been 9 years since the card was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt the three creditors say that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that collection companies provide me with competent evidence that I have any legal obligation to pay the COLLECTION COMPANIES. 

Here are the collection companies : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.

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 2016-01-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed the validity and the account status of a XXXX XXXX account several times with XXXX, Equifax and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Equifax completed an inadequate investigation and only sent me a result that stated account verified/closed, charge off. They did not VALIDATE the account was mine. They could not provide an open date or payment history ( both of which I requested ), account info, nothing! Also, Equifax still reports the account open. Even though the account closed XX/XX/2009 and Equifax 's own investigative results determined that the account was closed, yet they still report as " open '' status with XXXX missed payments. Factually inaccurate reporting and inaccurate investigation. The same can be said for XXXX. I filed XXXX separate disputes with XXXX regarding this XXXX XXXX account, and I have yet to receive any type of correspondence from them. I have obtained new credit reports from each of the mentioned bureaus as recently as XXXX XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that XXXX and Equifax have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA IS THE COMPANY AMOUNT XXXX XXXX 2019 IM DISPUTE IT KNOW AND I ALREADY WENT THRU IDENTITY THEFT AND ALSO MADE POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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:
I contacted Experian, XXXX, and XXXX  concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.

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