BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Conn's, 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: Account status incorrect

Complaint:
After reviewing my credit with XXXX, XXXX and XXXX XXXX I noticed the following : XX/XX/2021 my credit report shows Conn 's reported my account 30 days late. The account was paid off on XX/XX/2021, before the due date. The due date for payments were on the XXXX of every month. 
I have disputed this with the credit agencies and Conns mailed a letter to my residence stating clearly stating no errors have been located on their end ( letter attached ). 
I made a second attempt to Conn 's providing documentation of the account being paid off and according to the FCRA & FDCPA I exercised my lawful right to question validity of this debt and requested any negative inaccurate item ( s ) be removed within 30 days. 
Conn 's mailed a letter stating conflicting information from the first notice I received. 
The account was not 30days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
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:
I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 2022-02-25
Company: ProCollect, Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I am trying to request the removal of PRO COLLECT ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ) with the account number XXXX due to it's inaccuracy. This account is already paid and must be removed from my file. Also, the date or the year of the last activity does not match the payment history. Moreover, the payment history is incomplete and blank. This must be addressed 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 2016-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
0n XXXX i received a letter from bank of America , declaring that the bank has put stop payment on my checks according to my request! the fact is that i had never requested the bank to do so, and the bank later on admitted that they have done this by mistake and there has been no requested on my behalf.this wrong action put me in a trouble my credit record has been damaged because of the returned checks, and the worse i have been in a XXXX situation.i strongly want the bank to pay a price for putting me in a miserable situation.

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 2016-10-06
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It has come to my attention that the company servicing my mortgage loan, Ocwen, has made a serious error and cancelled/liquidated my outstanding debt, incorrectly citing the loan status as delinquent. I have had this mortgage for over 10 years, and have made each and every monthly payment. When I called their customer care line, I was informed that the loan had been " charged off ''. When I inquired as to why, I was told they would have to " research it ''. I received a reply a few days later indicating it was charged off due to the " delinquent status of the loan ''. This reply, sent to me by XXXXXXXXXXXX, indicates to me that they never did any research, as the loan was not even close to being delinquent. The matter originally came to my attention on XXXX XXXX, 2016, when I logged on to make the only payment that was due, which was the monthly payment due XXXX XXXX, 2016. Furthermore, if there were additional terms buried in my contract that required I do more than just make the monthly payment on time each month to ensure my loan was not considered delinquent, Ocwen never contacted me to inform me of them. Prior to Ocwen charging off this loan, they made no attempt to even contact me to let me know they considered the loan to be delinquent. I made each monthly payment in accordance with the terms of my loan, and verified both the amount and due date on Ocwen 's website each time I made a payment. But again, for reasons unknown to me Ocwen suddenly considered it delinquent and cancelled/liquidated the outstanding debt without ever contacting me. Upon receiving the reply from Ocwen 's research department, I then contacted customer care to ensure they would not falsely report to the credit bureau 's that my loan was charged off " due to delinquent status '', and reaffirmed that the loan was not delinquent. I was told that they will report " whatever their records indicate ''. When I informed them that reporting false information is a violation of the FCRA, I was told there was nothing they could do. I should also note that the last payment they applied was on XXXX XXXX, 2016. This was the monthly payment that was due on XXXX XXXX, 2016. So as of XXXX XXXX 2016, my loan was fully up to date. The loan was subsequently declared delinquent and charged off before XXXX XXXX, 2016 ... less than 2 months later. I have attempted to follow up with XXXX ( email address referenced above ), but she has not responded. I fear that if this error is not corrected ASAP, they will report false information to the credit bureau 's that will severely impact my credit score in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
In XXXX of XXXX I applied for New Jersey unemployment. Got back paperwork from unemployment saying it was approved and that I would be receiving a bank card from Bank of America to receive pandemic relief funds. After about 2-4 weeks never received a bank card so I called BOA and they said that yes I have an account and that they sent me a card and they can see that money is being deposited onto that card but to this day I have never received a bank card or any funds from the pandemic funds. Called BOA and unemployment multiple times trying to get this resolved but would always get the same response... BOA would tell me it's not there fault to call unemployment and Unemployment would say I needed to call Bank of America because its on there end where the problem exists which I kind of believe because unemployment did approve my benefits and I never ever received a bank card from Bank of America!!

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: FL
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 called XXXXEquifax after I purchased a credit report with IdentityIQ After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX XXXX  days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: MS
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 have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting XXXX XXXX accurate. 
Unauthorized/Erroneous Account RESULT OF XXXX XXXX XXXX XXXX Direct Violation of The XXXX Reporting falsely Under XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 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 non-monetary relief
Consumer complaint received 2021-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Had an overdraft amount with 5/3 Bank. Paid the amount in full in XX/XX/2017 and still is showing up on my XXXX XXXX, causing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: MA
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions Inc.
State: NJ
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:
The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was approved for a HAMP modifocation, my loan company accepted the XXXX trial payment plans plus XXXX permenant payment. I then leaned while processing another payment that my modfication was rejected due to paperwork that was never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Information belongs to someone else

Complaint:
It has been tiring disputing these fraudulent items on my Credit File since the Credit Bureas have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my Credit File! Is it that troublesome for the Credit Bureaus to take a look and investigate my Credit File? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXXXXXX XXXXXXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX XXXX  Balance {$3300.00} ; and 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 non-monetary relief
Consumer complaint received 2018-10-03
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a credit card from XXXX XXXX for which I never submitted an application. I contacted all three credit bureaus to confirm no additional suspicious activity on my credit report and place a fraud alert. I had no issues with XXXX  or XXXX. Equifax refused to review my credit report with me on the phone. I was required to submit to a long series of extensive questions regarding my financial history dating back over several years. I did not have such documentation readily available to me to respond. Given that I have just been the victim of fraud, I also frankly did not want to submit this level of information. The service representative refused to discuss my credit report with me and notified me that, in order to receive my credit report from Equifax, I am required to submit photocopies of identification because I did not answer all of her questions regarding my financial history. My alert claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Grant & Weber
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Grant & Weber claim I owe {$10000.00}. I have never received written notice of the debt or how the debt was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, XXXX XXXX at XXXX XXXX XXXX reported that my XXXX account was CLOSED ( see page 16 of attached credit report ). However, afterwards, they continued to collect and make negative reports to all three credit bureaus. Isn't this a violation of Fair Credit Reporting Act? They report that my account is CLOSED which signifies they have stopped collecting, but then make negative reports after XX/XX/2021 stating that my payments were late. When I saw the CLOSED XXXX account on my credit bureaus, I reasonably concluded that the account is closed and thus I am not making payments. Any reasonable person would assume this. However, it is unethical, fraudulent, misleading and violating of Fair Credit Reporting Act to continue to make negative late payment reports to a consumer 's account after reporting that the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been tiring disputing these fraudulent items on my Credit File since the Credit Bureas have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my Credit File! Is it that troublesome for the Credit Bureaus to take a look and investigate my Credit File? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXX XXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX XXXX  Balance {$3300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX XXXX {$1100.00}

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