BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Bright Capital Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX withdrew funds from an unauthorized account which was never authorized by myself from an account when I dont even have an account with them. I signed up for their services last year promptly cancelled services never used their services at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This does not belong to me and is fraudulent, the company XXXX XXXX XXXX XXXXXXXX for {$120.00}, I've tried to reach the company and I've been ignored. I have received no response in 60 days in regards to this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX our family experienced a financial set back. We discovered our home had XXXX Sheetrock and had to rent while we waited for our home to be made safe again for our family of XXXX. I reached out to Navient/XXXX XXXX in XXXX when I could not keep up with my private student loan payment, asking for some sort of grace while we continued to deal with our financial crisis. They informed me that there is no help for private student loans. We eventually got to a point that we had to choose between living expenses and student loans. We stopped paying Navient/XXXX XXXX. We finally had resolution for our housing crisis last XXXX. Now that I am ready to deal with XXXX XXXX, I am overwhelmed by what I face with them. They have added multiple fees and Faithfully report each month negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX is a scamming email that is trying to get people to send them their student loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Capitol one XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
Ive discovered inconsistent and inaccurate information with my credit report on file. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting this issue with Equifax for a long period of time. Equifax is obligated by the FCRA to report accurate accounting/information ; however, they have failed to do so and is in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), and 15 U.S. Code 6802 - 6805. Equifax was advised that ALL inquiries reported was fraud via phone, however they refused to remove any of the items. I have disputed several items that are currently being reported ; particularly XXXX XXXX XXXX XXXX Account XXXX which is a charge-off account. Per the LAW a charge-off is a certification of indebtment, which means is it is income and must be removed. The law also states that it is illegal to report any transaction history. I was advised by Equifax, that the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). However, the information reported is still inaccurate and inconsistence with all other credit agencies. Under the SEC Equifax is liable to follow certain rules under the Equifax XXXX File Number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX. Equifax is securitizing my consumer data ; however, they continue to refuse to provide a copy of of my CONSUMER FILE, not the CONSUMER REPORT. I have attached a copy of what is being reported for this XXXX XXXX " charge-off '' account from Equifax, XXXX well as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Third party compa ny (    XXXX   XXXX   ) gets delayed " current balance '' information, hindering money being electronically deposited.

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 2017-06-03
Company: EQUIFAX, INC.
State: SC
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:
faxed two letters to Equifax to have a judgement removed. and it has not been removed.  XXXX  and  XXXX  have removed the debt. The debt has been paid and is no longer owed. I have my expungement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following:XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PL XXXX, OH 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 2018-03-22
Company: Clarity Services
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Clarity services inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery is reporting to XXXX and XXXX  incorrect and inaccurate information about my original account. They have not fixed it despite my disputes. Portfolio is sending a letter to agencies from the debt they bought from XXXX. It became delinquent with the original creditor XXXX XXXX XXXX XXXX  in XX/XX/XXXX-XX/XX/XXXX. In XXXX, it was acquired/rolled over to XXXX. They are reporting the XXXX as date of delinquency and it is INCORRECT and they will not send original creditor information. And the agencies still report it that way. I have requested the original creditor dates from Portfolio and they send something from XXXX in XXXX. It is deceptive and wrong! Reporting agencies are falling for this XXXX! This has been haunting me for so long!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received loan modification on home loan in XXXX. Applied for heloc loan in XXXX. Title search by XXXX XXXX XXXX XXXX. XXXX. XXXX . Showed no second lien in XXXX, but in XXXX showed second lien from XXXX. XXXX XXXX XXXX said sorry we missed it in XXXX. Is my loan modification legal? It was a federal loan program. Second lien is from XXXX which sold loan to Ocwen which sold loan to XXXX which sold loan to PHH mortgage. Thought XXXX loan was part of my bankruptcy settlement. Obviously it wasn't. Tried to negotiate settlement with Ocwen in XXXX after paying many thousands of dollars, as they suggested and I submitted a 50 % payoff. They called that night and refused to negotiate and said they were going to add interest and penalties of almost half the loan amount. Now PHH mortgage says I owe much more than I borrowed. Would have let House go in XXXX if they would have said anything about second lien. Now I spent more money on improvements. Not sure what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX in XXXX, Georgia. Need to provide itemized list of charges instead constantly call during work hours demanding money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, a consumer/natural person, I am submitting this complaint on my own behalf, there is no third party involved. I have noticed an account from LVNV funding which I do not recognize, nor do I owe the alleged debt. This account is ruining my character and it is causing me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXXl. Also its preventing me from buying my home. The accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  is fraudulent including the address are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Paradigm Assets, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to settle a debt owed. They were supposed to charge me the XXXX to settle the debt but they charged me XXXX. I am extremely unhappy and the falsely represented himself and lied about the amount owed. And it has not been removed from my credit report. I have the settlement letter and proof of what they took out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from 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 explanation
Consumer complaint received 2022-03-18
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent verification showing the owner agrees that I was not a co-signer I have filed identity theft I have had this account removed several times and this account is no longer owned by the company that started this fraud

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on?

What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You

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 2022-03-11
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
TO : Consumer Financial Protection Bureau Please be advised that I wish to file a formal Complaint against XXXX XXXX, REMITLY AND XXXX because of their discriminatory practices, and blatantly disregards that violates the rights of others by denying me access to a public medium of their Money Transfer Services. Additionally, they have propagated and spread malicious rumors about me to other money dispensing services ( Remitly, and XXXX ) that theyre in alignment with them ; causing them to cancel my services too without any warning or allowing me any rebuttal. These Companies have capriciously and arbitrarily frozen the account that I had maintained with them for about 5 years without warning or regard to my needs or consideration. In my opinion, they did not have any clear reason of basics for the cancellation of my account ; but they have suspended my services without any notice or warning and have trampled on my rights as a citizen and human being. 

I have written to XXXX XXXX many times, but they refuse to answer my email messages. Also, they refuse to divulge the reason for their action. I have not conducted any illicit or unauthorized activities on their Portals/sites and therefore do not understand their swift actions. In addition, I tried to make a transaction for {$300.00} on XXXX XXXX and receive a message that the transaction was declined but later found out that the charge was processed by them, and they received the money from the Credit Card Company, ( their system is faulty and gives erroneous messages to customers ) and now theyre refusing to respond to my request for a refund of the money. I have found that these sites seem to operate in tandem ( in conjunction ) and accept negative information from each other without verification of any of it.

If any of these Companies have anything negative to propagate or report on me. I demand a hearing so that I can confront them and their malicious lies, and untruths.

I hereby recommend that these Companies be sanctioned or fined for their blatant disregard for their customers and the unfounded lies that they propagate against their customer base and the citizenry. Apparently, they pay people to patrol their sites, and those people fabricate lies when they can't discover anything wrong to keep their jobs? How else can they come to their conclusion ( s ) out of the blue?

I hereby demand that my account ( s ) be reinstated without delay, and my refund from XXXX be returned back to me immediately because of their unethical and unfounded reasons for cancellation and termination of my services. They have been granted a license to operate and serve the public, and I hereby demand the services that I am entitled to as a citizen of these United States of America. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I took out this mortgage on my home, my escrow account was set up to pay taxes. About a year and a half ago the company started sending me monthly payments that didnt include escrow payment, only principle and interest. I called the company to ask them to correct this error and put back my monthly payment as it originally was with escrow. They assured me they would take care of it and fix. A few months after that still nothing was corrected and I got a late notice for taxes not being paid. I tried again to fix with the company and still I thing was done. I decided they werent competent to correct their error. I have been paying taxes personally ever since and i now have this company showing I have a negative escrow balance which they now want to increase my monthly payment to pay for a negative escrow. Once again I have tried numerous times to contact them to fix this and again I am getting no where. I have sent them all paid checks and invoices from the city tax department of my payment. 
Its to the point that I cant keep on top of a company from doing the correct thing. With a newborn and work of my own, I accepted this mortgage where it was setup so I wouldnt have to deal with these issues on a constant basis to make sure everything is paid in time. I am wondering if I need to seek legal advice and escalate this to the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: CA
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 am very tired of Experian defying the law and NOT sending documents when REQUESTED by a consumer. Experian is a terrible company and should not be allowed to get away with adding whatever they want to consumer 's credit files WITHOUT properly verifying the information. I have submitted a dispute and Experian simply refuses to DO THEIR JOBS! I asked for hardcopies of what information they received to verify information and instead they send me a letter stating they will not remove accurate information. Again they DID NOT SEND ME WHAT I REQUESTED AS A CONSUMER. THERE IS FEDERAL LAW THAT THEY MUST ABIDE BY AND THEY ARE NOT. These are the same people who lied about the scores they were providing consumers with so why should they continue to be trusted. Funny enough I contacted the SAME CREDITORS WHO EXPERIAN SUPPOSEDLY VERIFIED INFORMATION FROM AND THEY TOLD ME THEY DID NOT GET A REQUEST FROM EXPERIAN TO VERIFY THE INFORMATION I AM DISPUTING ON MY REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation