BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX , EXPERIAN , AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. 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 2021-08-25
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax has been hacked and their site indicates that my information was open on the Equifax computers to the hackers. This happened in XXXX and I just was aware of this BY NEWS REPORTS yesterday, XXXX XXXX. It has been reported that officers/executives at Equifax dumped their stocks when they found out about it in XXXX. Equifax has betrayed a public trust and should not be allowed to function ... put them out of business since they are not acting in good faith. Little people, like me, have had our security compromised by their XXXX Equifax 's ) lack of professional standards. The hackers can hold onto our info for some time before " cashing in '' on small folks like us ... .so now my meager finances are at risk FOREVER. I am a senior living on a pension and can not afford to take a financial hit. There must be a penalty imposed on Equifax for their disregard for our financial safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since 2018 I have been trying to have OCWEN Loan Servicing removed from my credit report. OCWEN Loan Servicing LLC has not responded to disputes under the FCRA. 
All correspondence to OCWEN Loan Servicing LLC has gone unanswered. OCWEN Loan Servicing has removed false information from all reporting agencies EXCEPT XXXX, to which OCWEN has failed to notify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was scheduled for XXXX in XXXX of 2022 and it was cancelled by the doctor. I contacted about a refund i was advised that's not policy. The services were never received and the situation was out of my control. I filed a dispute XX/XX/2022. There were XXXX seperate charges so I filed both. A week and a half after filing they contacted me and informed me they refunded the money considering the circumstances and they won't contest the dispute. However every time I call and check the status I'm told thier still researching. How and the merchant has stated the refund has been issued. This has happened to me before and I don't understand. I'm currently on XXXX from XXXX and with inflation and a pandemic I don't understand how a bank can do this to its customers. I'm a XXXX  XXXX  and I'm missing {$1000.00}. I can't get it from the merchant because on their end it's refunded however the bank doesn't seem fit to release me my money. Why?

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 monetary relief
Consumer complaint received 2022-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need to access my safety deposit box at the Wells Fargo XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, GA XXXX ), but I have not been able to get in touch with someone who can get me access to the box. The branch is supposedly temporarily closed due to Covid-19. I have contacted Wells Fargo and followed their process to gain access, however I have not gotten a response from anyone that can help me. This has been ongoing since XXXX XX/XX/2022. I need to access important papers in my safety deposit box asap.

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 2022-07-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The problem began with an apartment company XXXX XXXX XXXX XXXX - owned by XXXX ) that refused to provide proof of charges to me after move out. They submitted the account to collections without any warning and without responding to my communication requesting proof and explanation of charges. The collections company- Columbia Debt Recovery- has continued to perpetuate the issue. I have made partial payment on my account with the amounts that, despite the fact I believe they're invalid, are at the very least " correct '' But I have submitted additional documentation, now more than once, detailing why the additional amount owed is not correct and requesting more detailed account statement to prove the contrary if they believe it is accurate. I have not received any communication from Columbia Debt Recovery in response to the copious amounts of documentation I have submitted to them. I have tried contacting them by mail, email, & phone. On the phone, they are rude, abusive, and completely dismissive of my questions. The documentation I am attaching to this complaint is just some of what I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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 was hacked on Thursday. 

On Friday, I checked to see whether or not I have been affected by the hack. Equifax has demanded that I wait until XXXX to get protection from a threat of identity theft caused by their mistakes. 

Not only this, but if I were to sign up for their protection, they demand that I waive the right to litigate against them ( again for their mistakes XXXX. 

It seems to me that while Equifax has been hit hard by this crisis, the fact that they are not willing to own up to consumers even remotely and are ill equipped to protect them makes Equifax primarily responsible in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a XXXX  sister  and i have been having a lot of problems with my credit. My XXXX name is XXXX XXXX XXXX SS # XXXX. 
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ). 

1.I am disputing Navy Federal . I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}. 
2. XXXX  XXXX I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}. 
4. XXXX XXXX XXXX Card- I am disputing I never had an account with them. 
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX Card. 
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, 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:
CRA is in violation of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
After paying off a Ditech mortgage, Ditech sent an escrow check to the wrong address. The party that received the check forged my name and cashed the check. 

I have asked Ditech via phone calls, emails and web requests using their available tools and contact methods over 12 times. When I reach someone, they say it will be sent in 10 days and it never arrives. 

The copy of the check is needed to file a police report. 

Please, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reviewed my credit report and Credence Resource Management placed negative item on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Credence Resource Management should remove incorrect information off my credit report. More importantly, Credence Resource Management are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credence Resource Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2018 I purchased a {$200.00} giftcard issued by US Bank and the card is not working - it's getting declined when trying to use it. I have contacted US Bank about the issue and was told to fax the copy of the giftcard from the front and back, the receipt from the store ( XXXX XXXX ), my info ( name, phone number, address, copy of my drivers license ). I did fax everything that was requested. 

On XX/XX/2018 I have called AGAIN ( because the giftcard is not working yet XXXX and asked for information when the card will be working and received no response. I was told that they " don't know ''. 

This is absolutely not acceptable! The giftcard was paid in full more than 48 hours ago and the giftcard issuer doesn't know when I could use the card??

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 2022-07-11
Company: Experian Information Solutions Inc.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a 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 2021-08-25
Company: I.C. System, 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:
Collections account XXXX XXXX XXXX ( XXXX {$1800.00} ) has been disputed and deleted from my credit report. Report Number XXXX with XXXX. 
The same account but different collection company is showing on my credit report again as of XX/XX/2021. Collections company : I.C. Systems ( XXXX {$1800.00} ) Filed another dispute with XXXX  demanding it be corrected and deleted from my credit report. This has cause a huge drop on my credit score.

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 2022-07-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, there are Addresses seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The following Addresses were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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 has recently divulged my information without my consent to an unknown number of people and/or companies. This information includes but is not limited to : Full Name, SSN, Date of Birth, Current and Past Address, and Credit Card Numbers. This has resulted in fraudulent information appearing on my credit report.
I have taken put an Initial Fraud Alert and a Security Freeze on my identity.
To my knowledge, Equifax has offered to help consumers determine if they 've been affected but try to force consumers to wave arbitration if they choose to check if they been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
My personal data appears to be compromised because of the cyberattack on Equifax Inc. as confirmed by their service that checks for this ( www.equifaxsecurity2017.com ). I have never worked with Equifax directly, so I do n't even really know why they have my data, but that does n't matter now I guess. I do not know the full extent of what happened to my data, I am currently unable to view my credit report ( XXXX gave me an error when I tried to get my report and said to try again later ). This breach of my personal data is unacceptable and puts me at serious risk for identity theft and probably more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

Federal District Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff

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 2017-09-09
Company: EQUIFAX, INC.
State: WY
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 should have offered protection without trying to hide a waiver of my ability to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My TJMaxx Credit Card by Synchrony Bank was closed by the bank because they claimed that I didn't use my card in 12 months. We are in the mist of a global pandemic with stores/businesses being closed down for months to control the spread of the Covid 19 virus and this bank instead of accommodating the current global situation and providing solutions instead penalizes its customers by closing their accounts. When I used this account I paid it in full and have a good credit reporting. There was no reason why they needed to close the account without even previously notifying me that they were contemplating closing my account. When banks close your credit cards that affects your overall credit rating and your ability to obtain credit at a fair interest rate. When they closed my account on XX/XX/2021 my credit rate dropped 33 points. 
Their policy of 12 months inactivity should have taken into account the global pandemic and the lock-downs for both businesses and consumers. 
If they felt they needed to close my account for inactivity after that they should have notify me in advance that this was a possibility and given me the fair chance to use my card in order to retain my credit card and not affect/impact my credit ratings.

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 2017-09-09
Company: EQUIFAX, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.

Company response to consumer: Closed with explanation