BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TN
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 attempted to make a Payment to   XXXX   XXXX   a old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from 3rd party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two thin gs : : : They do n't have me as   a credit collections client and therefore it should be remove according to FCRA law [ 623 ( a ) ( b ) ]. Or ....
Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law [ 623 ( a ) ( b ) ] should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted Equifax via phone on  XXXX / XXXX /  XXXX   to inquire about items that were removed and reappeared on my credit report. The first representative,  XXXX , was rude and wouldnt provide information regarding this issue. I asked to speak to a supervisor to report her and she transferrred me to a department that did n't handle the issue I called about. The representative told me that they have no record of any account being removed. I advised the representative of the accounts in question and he advised me of an account I never heard of. I advised the representative again of the accounts and dates removed but he was unable to assist. The representative aslso told me the letter I sent them regarding unauthorized inquiries were in fact mine. I also advised the representative that those inquiries were not accurate. I waited on hold for  XXXX  minutes to speak to someone concerning this issue but the only thing i recieved was a rude representative and a representative who couldnt care less about these inaccurate marks that is affecting my credit. I have attached my credit report along with the report showing all accounts that should be removed from  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan o riginated in  XXXX    XXXX   with     XXXX   XXXX   XXXX  . Loan number  XXXX  Located in  XXXX   XXXX  Ca  XXXX   XXXX   XXXX   XXXX  HUD loan #  XXXX   XXXX   XXXX  PHONE  XXXX   XXXX   XXXX   XXXX  I was told.   I was told to write to the freedom of information act to get documents. We lost ours in a fire. I did and was told they could n't come up with them.     Securitized interest balance was  XXXX  I was told to ask  Ocwen for  : Transaction history from prior Servicers. Never received.   Account history. Was received  XXXX  Could n't make sense of It.   Then the loan was bought out by  XXXX  in  XXXX   XXXX  I had a forbearance of  XXXX  per month for a year to make my payment and clear then  XXXX .  Ocwen  bought  XXXX  and the ended up with the loan. We have used the forbearance plan with  Ocwen  but always did as required to get out account current. We never refinanced the loan was  XXXX  and at the end they say we will owe  XXXX . How does that happen when you have paid monthly fo r thirty ye ars.  Hope for  California helped us clear up a few back payments after I became  XXXX . They where told everything was current and on my statement it still says maturity date  XXXX . This was to be the hcappiest day of our lives.   I have federal tax returns showing the interest that was paid on the loan and to whom and how much. They are consistent except when the forbearance came into play with hud. I  hope I a m remembering everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: TN
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:
I mailed a Multipl e Inquiry  Removal Letter by certified mail and the dispute was open on   XXXX   XXXX   XXXX    . I disputed  XXXX  inquiries that were being reported inaccurately on my Equifax Credit Report. The dispute was open on   XXXX   XXXX   XXXX   and completed on   XXXX   XXXX   XXXX    . The request I submitted contained  XXXX  hard inquiries that were not factual and I received the same response for all inquiries which read Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. These inquiries do not belong to me. This is unfair practices by a credit reporting agency ( Equifax ) with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested for Equifax to remove numerous items from my consumer report, some have been removed while others have not and Equifax claims that they are " validated ''. I am a victim of the Equifax data breech as well as identity theft victim. I am still battling with Equifax about these accounts XXXX, XXXX XXXX XXXX, and XXXX. I recently submitted my FTC identity report to Equifax and am awaiting results. I am also submitting my proof here as a backup.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to work on a short sale. Home owner has been FORCED to relocate to  XXXX  PA from  XXXX  PA - abou t 230 mile  relocation.     This   XXXX   XXXX   loan is service  d by PNC. PNC stated that since the home owner is current on the loan - the short sale request has been denied.
The homeowners have struggled financially and just made a loan payment ( with the IRS tax refund they received ) to get caught up.   They do n't want to see their credit suffer.     I would like this file to be reconsidered for a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Capio Partners , LLC a U.S. certified debt validation letter approximately on XX/XX/2021 ) requesting that it also provides my legal authorization and initiation for it to gain access to my personal information. Capio responded with a letter ( see attached XXXX dated XX/XX/2021. The letter does not include what i requested for legal authorization debt validation, permissible purpose, nor how it accessed my personal information to report to major credit reporting bureaus ( for example, XXXX and XXXX ). The letter from Capio states that the account is closed and returned to the client. I do not know who the client is. The letter also lists an account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
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:
Equifax Information Services, LLC failed to properly investigate a dispute I submitted. on or about XX/XX/2019, I submitted a dispute for the reinvestigation of a public record listed on my consumer credit file. On or about XX/XX/2019, Equifax purports to have completed the investigation and verified the information. The listed XXXX as the information furnisher that verified the information. However that is impossible as I have a security freeze placed on my XXXX XXXX consumer file. I contacted Equifax to verify this information on at least 2 occasions and was told that the information had been verified with XXXX. I then followed up with a call to XXXX XXXX who verified that there had NOT been ANY access to my consumer report by anyone, including Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions 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:
I am unable to reach Experian they have not a single person you reach by phone. They are unethical and fraudulent. I understand they get by on advertising and selling credit cards to people but they will not speak to me about my issue. I paid off a loan of {$53000.00} and my score has continually gone done the past 3 months. My credit was almost nearing perfect and I was downgraded almost 53 points for paying a loan off. Experian should be stopped and shutdown for there interfering with the truth. They lie and cheat to make money. 

Please let me know how I can fix this issue with Experian XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv  ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
on XXXX I received a letter with a debit card and account information for a recently opened account with Chime. The account was opened fraudulently and without my knowledge or permission. 

When calling into customer service, it took XXXX tries to get to a live person. They refused to close the account or put me in contact with their fraud department. 

1 customer service rep and 2 supervisors pushed off my request to close the account and stated I needed to email the support team for assistance. 

escalation ticket submitted by supervisor is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the 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 explanation
Consumer complaint received 2017-04-24
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:
I have previously disputed the following inquiries on my credit report and TransUnion refuses to remove the following inquiries, even after providing proof that the inquiries were fraudulent.     I 've contacted  XXXX  and they are unable to find inquiries or reason why they put an inquiry on my report.     -  XXXX   XX/XX/16    -   XXXX    XX/XX/16

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 2021-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing today in regards to my account with Fifth Third Bank Account # XXXX. The reason for writing today is in regards to a late payment which is showing on my report in XX/XX/2020. As you are aware that is during the pandemic which was declared by FEMA an the CARES ACT was passed to assist consumers who were struggling. Due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: CO
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 disputed more than once with Equifax concerning false dates of delinquencies from XXXX XXXX. After speaking with XXXX a representative claims that they have not made such reports to the Bureaus. Dates of activities are always changed after disputes reporting incorrect information. This is a closed acct that should no longer be showing period. The dates are always changed to prolong the acct. showing which is causing hardship and mistrust with the bureaus that are supposed to protect against this kind of abuse. I've tried uploading documents showing proper information with Equifax but always get errors and when i did speak with a representative they was rude concerning me asking to dispute again and i was told it had already been disputed. I disputed XXXX before with CFPB and after that dispute they was no longer reporting updates now al of a sudden Equifax is reporting what XXXX updated even more false information concerning dates and reporting that the information is correct. Is this not against The Fair Credit Reporting Act???? However the other reporting bureaus were fair concerning me a a consumer and had no problem removing the XXXX acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: United Credit and Collections Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a debt wit h United Credit Collections  in  XXXX   XXXX , MO from a broken lease and I am trying to get a paid in full letter from the collection agency once I pay the debt and they 're telling me that they are unable to email or fax the letter to me once the account is paid in full and that they can only mail it to me. And the representative that was initially handling my accoun t (   XXXX   XXXX   )  is so unprofessional and I had to call numerous times today  X/XX/2017    and he will not allow me to speak with anyone else and saying that he is the only one who can help me and I am trying to pay my debt today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: NCB Management Services Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CONTRACT CALLERS INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to look at XXXX through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through XXXX XXXX XXXX. 

I was approved XX/XX/XXXX through XXXX XXXX XXXX for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through XXXX XXXX XXXX to my bank account. 

XXXX XXXX XXXX began charging me for a loan of {$800.00}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop.

I just received a letter from Contract Callers Inc. for this fraudulent debt in the amount of {$1200.00}, dated XX/XX/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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
not mine fcra : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-04-28
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX  Account Number : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-06-13
Company: Experian Information Solutions Inc.
State: LA
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:
Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, XXXX XXXX XXXX and Experian on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.

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