BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX 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 2015-07-14
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, Ocwen Loan Servicing sent a notice regarding a settlement that I was eligible to participate in. The claim form was returned before the deadline. I spoke to someone who confirmed that not only was the form received, but they also gave me the amount I 'd be receiving. 
XX/XX/XXXX, I called to check on the settlement payment. I was told that the check had been mailed. It 's now XXXX, a year later, and I still have n't received the check. 
I 've called Ocwen a few times, the last time being XX/XX/XXXX. I keep being told that I 'd have to send a written letter to Ocwen 's research department. 
If a check was mailed in XX/XX/XXXX, why do I need to write a letter to the research department. Either the check was sent or not. This is unacceptable! This mediocre way of doing business is exactly why Ocwen was in violation of so many things and a settlement was reached in the first place. 
This issue has lingered on long enough. As a XXXX-year veteran XXXX, I 'm highly offended that this issue is still continuing and I 'm still getting the run around. Any assistance provided would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
all started over 7-8 years ago. I had no health insurance and was in need of medical help. I was under the guise that any debt over 2-4 years old is not supposed to reflect negative on credit report, but can still be on report, just not have a negative impact on it. Not the case on mine. This company has been reporting for entire time as different companys to make it look like it is a new debt, therefore negatively impacting my credit for this entire time. How is one suppose to " fix '' credit if they-the shadey companies, keep adjusting there names so it looks like a new debt? I recieved a threating phone call from the company explaining to me that if i didnt pay they would keep on doing this and i will never get my credit score over 600. They cslled so many times i changed my #, unfotunatly i do not have the money to pay off all these old debts. I was going to fiole for chapter XXXX bankruptcy, but i just dont have the money for that either. I have sucessfully removed almost all other medical debts on my credit xcept for theese. Please look into this company. I know they are not acting entirely above the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, Transunion, XXXX   and XXXX are reporting this account as derogatory with different reporting information. For instance, Transunion reporting high credit as XXXX and credit limit as XXXX. XXXX reporting account balance as XXXX and credit limit as XXXX and XXXX is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing XXXX was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.

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 2022-05-05
Company: EQUIFAX, 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:
In 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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:
From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, XXXX, Experian and XXXX are reporting this account as derogatory with different reporting information. For instance, XXXX   reporting high credit as XXXX and credit limit as XXXX. Experian reporting account balance as XXXX and credit limit as XXXX and XXXX is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing XXXX  was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I review a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that should be deleted from my credit report. This account is not reporting the same information on all three of the credit bureaus. Due to the fair credit reporting act By law, I have rights to dispute anything thats not accurate on my credit report. I would like this account deleted since it is not 100 percent accurate reporting to all three credit bureaus. I am sending this letter as another attempt to have these account deleted. Could you please delete the following account I also sent in a certified letter the tracking number is as followed : 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 non-monetary relief
Consumer complaint received 2020-03-01
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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, XXXX, XXXX   and Equifax are reporting this account as derogatory with different reporting information. For instance, XXXX   reporting high credit as XXXX and credit limit as XXXX. XXXX reporting account balance as XXXX and credit limit as XXXX and Equifax is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing Equifax was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Sincerely, 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 2017-02-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Sir! 

non-payment of bonus linked to new accounts and interests linked to checking and savings account. 

I had opened new checking and savings account by XX/XX/2019. The bank as every year announced opening bonus of {$400.00} for new account opened in according to yearly campaign for new accounts. It has been more than 2 years and my inquiry revealed that my account is stagnant with no addition for interest or bonus amount. 

I wrote an email. A copy is attached and other documents as brought out by bank at relevant time. Also copy of statement.

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 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for chapter XXXX bankruptcy. It started XXXX. I was discharged on XXXX. Capital One purchased XXXX sometime after that. When I do not know. Capital One received a debt which my lawyer missed on my credit report. Capital One sold it to XXXX XXXX. XXXX has called my job everyday for 4 years seeking payment. When I told them my XXXX debts were absolved in bankruptcy they said no they weren't. I filed a zero assest, total liquidation Chapter XXXX bankruptcy. I filled for XXXX dollars in debt to cover all of my debts even ones possibly missed. This debt was an XXXX XXXX card managed by XXXX. Capital One has acknowledged this is an account received from XXXX. Capital One has acknowledged this to me in phone calls. This debt falls under the no harm no foul rule. I have paid with ten years of my life. When I disputed the debt it reset the clock on how long it can remain there. This is also unfair. I am not legally bound to this debt anymore. I should not have to pay a debt from over ten years ago that was discharged. This is a violation of my Chapter XXXX rights. My lawyer has since passed away and closed his office. I am considering suing XXXX XXXX and Capital One. The sale of this account and its subsequent collection is ilegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had XXXX in XX/XX/XXXX due to being laid off. I incurred XXXX XXXX bills. The facilities an, but not the physician billers. When i received collection bills for these visits from IMC Credit, i sent letters to the debt agency and the billing company ( XXXX ), asking them to detail the status of the debt ... date of service, had insurance been billed and if so, what did i owe as a remaining balance. I received no response. Until, I received notice from an attorney that a judgement had been filed against me for the bills. I called the debt agency asking why a lawsuit was filed versus responding to my questioning the debts and was told that if they received a letter questioning the debt and did not feel the questions were specific enough, they would not respond to the letter. I guess they did not feel my questions were specific enough, because i received no response. Just notification of lawsuit. I spoke with the biller ( XXXX ) of this debt and they said they never attempted to bill my insurance for XX/XX/XXXX and XX/XX/XXXX, but somehow was able to bill for XX/XX/XXXX. I was told by them they did n't have the insurance info, likely due to " electronic systems not being reliable ''. I was also told that i would have been better off calling in to ask for status, than sending a letter, as I received no response to my written requests from them either. I do not feel that having a judgement filed against me is fair at all. I 've sent them letters asking for info that went ignored. I 've told them during collection calls to send me info in writing. I made necessary attempts to get clarity so that i could figure out how to resolve. 

I would like to make note that, I have not received anything notifying me of the judgement from the court yet. I received a letter from XXXX bankruptcy attorney 's advertising their services because they saw that a judgement has been filed. I confirmed the filing with IMC via phone on XX/XX/XXXX. However, I feel that there is no need for a judgement or any court proceedings because I provided the proper insurance information to the hospital each time I was seen and i have attempted to contact them via writing with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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:
Hi I am submitting this XXXX 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 over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 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 XXXX 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 XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, UT XXXXXXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. Transunion reporting high credit as XXXX, XXXX is reporting high credit as XXXX, and XXXX  is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, Transunion is reporting last payment as XX/XX/XXXX, XXXX  reporting last payment as XX/XX/XXXX, and XXXX reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.

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