BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: SRA Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attached written collection Letter sent to me with bogus telephone number XXXX, I called this number - I recorded their message for my protection during my attempt on XXXX their message tells me please hang-up at the end, message would not take any message from me, gave me no options to talk to anyone. I am glad I recorded them. I have called numerous times and same result, no one answers, will not take messages, states please hang-up. I have never been billed for {$1400.00} from anyone, I have no outstanding debt or loans. I am XXXX. While employed with the XXXX  XXXX I was notified by XXXX my identity Personal Id /SS was stolen, also later, I was notified one of the three collection bureau computer system had been breached and my PI was also stolen? Please investigate SRA Associates ( XXXX XXXX XXXX XXXX, etc ) regarding this fraud and take appropriate enforcement and notify me of FTC investigation - results in writing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date XXXX days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XX/XX/2020 amount {$1100.00} ( Chapter XXXX bankruptcy discharged 1XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with XXXX Experian 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 2022-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 602 A Section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
9 years ago, my wife and I bought our house in XXXX. Being so, we were given a " XXXX XXXX '' loan with our second mortgage having a 11.5 % interest with a {$50000.00} balloon payment due after 15 years. We just had XXXX and have been attempting to modify the mortgage as we can no longer afford the payments. We have submitted twice and been denied twice with them stating that we make too much money. Apparently, it Ocwen 's policy that they do no take out payroll deductions from anyones income that will be helping to support the original lein holder, therefore, showing that we have an excess amount of cash on hand each month. In a final attempt to do something with this mortgage, my wife 's aunt offered to pay {$25000.00} of the {$53000.00} left on the loan as a closure settlement. Once again, they have denied us. Their only advice is to stop paying, take the hit to my wife 's credit, and maybe in a few month the " investor '' will be willing to do something. So, for the past 4-5 months, they 've given us no viable option to modify or settle the loan, therefore forcing us to stop payment without any other terms of negotiations. We 've never missed a payment or been late on a payment, we both have credit scores over XXXX, and yet, according to their own policies, we do n't qualify because our account is in perfect standing. Yet, every time I google the name Ocwen, I find nothing but lawsuits and settlements from the government saying that they have to give homeowners options and relief. Where is the relief for us?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Due to a security breach, an account by XXXX XXXX was attempted to be opened on XXXX/XXXX/2016 with my information. It was denied, but the hard inquiry still exists on my credit report. Both XXXX and Transunion will not remove the fraudulent inquiry from my report, saying only XXXX XXXX can request it to be removed, but it will still take 2 years to remove from my account. I will soon be in the process of buying a home and do not want this fraudulent inquiry to affect that.

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 2020-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
With being out of work, especially in this time of COVID-19, at times our credit card payment has been late- but still, has been payed. Chase keeps lowering our credit limit to reflect that we are now over our limit then tacks on over the limit fees, in addition to the late fees. They then report to the credit bureau that we are both late AND over the limit! If I am late on a payment, I understand paying the late fee, but 3 times now they have lowered our limit so that now we are paying additional " over the limit fees ''. This is wrong. We are still paying but with this tactic we will never get ahead, while they make more money. This is truly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had 7 fraudulent charges on my Wells Fargo Bank account in which someone got my bank/debit card number. I called Wells Fargo to report the fraudulent charge and close my debit card down. Wells Fargo credited my account for the charges while they were processing their claim. Now Wells Fargo send me a letter stating they'd completed their claim processing and said the charges were made by me. I did NOT make these charges. I have no products/services in my home nor receipts for such products. Wells Fargo sent me a letter stating they would deduct the total of the charges ( XXXX ) from my account. These are fraud charges. I am the victim. 
I requested Wells Fargo to send me the documentation they used to make their determination. They told me it would take 30 days for me to get this documentation. That is too long. The fraudulent charges are listed below : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$5.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX {$2.00} XX/XX/XXXX XXXX XXXX CA {$47.00} XX/XX/XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX XXXX FL {$4.00} XX/XX/XXXX XXXX  FL {$6.00} The fraud charges total {$150.00}. These charges are on my XX/XX/XXXX bank statement. Wells Fargo indicated in their letter they were going to take {$160.00} from the affected checking account. Why is Wells Fargo attempting to make me responsible for a criminals theft of my bank debit card and took money from my account? I have no receipts for XXXX products or any of the other products listed above. I did not buy the products/services above. A criminal did. I WAS THE VICTIM HERE. I WANT WELLS FARGO TO BE INVESTIGATED REGARDING THIS MATTER. I DON'T WANT TO HAVE TO PAY FOR WHAT A CRIMINAL STOLE FROM MY CHECKING ACCOUNT ... ... ... ..MY HARD-EARNED MONEY THAT I GO TO WORK FOR EVERY DAY TO EARN.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have noticed a lot of inquires on, y credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted transunion and XXXX and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.

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 2016-04-29
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Abuse of Power, Abuse of the System, Financial Fraud for Personal Gain, Filing False & Illegal Documents, Unfair and Illegal Business Practices, Theft, Racial Discrimination, Violations of Consumer Privacy Laws, Statutes of Limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
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: Account status incorrect

Complaint:
Equifax is reporting XXXX XXXX ACCT # XXXX as a ( OPEN ) acct with no Limit a balance of {$2300.00} with a payment of {$60.00} XXXX XXXX reporting on the same acct # XXXX acct was closed XX/XX/XXXX but still being reported as paid on time XX/XX/XXXX with a Limit of {$2500.00} a balance of {$2300.00} with a payment of {$60.00} on a reported of a closed account. 
XXXX XXXX XXXX ACCT # XXXX is reporting no limit {$0.00} balance {$1800.00} closed but reporting as of XX/XX/XXXX payments on a closed acct of {$93.00} with a Remark stating account closed by creditor. XXXX XXXX is reporting the same name with a acct # of XXXX with a limit {$1700.00} balance {$1700.00} acct closed XX/XX/XXXX still reporting as of XX/XX/XXXX with a payment of {$93.00} on a closed acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have on numerous occasions attempted to resolve this issue of false reporting with the company XXXX XXXX XXXX XXXX  ) and the consumer reporting agencies. 
XXXX XXXX  These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter

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 2016-02-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
good morning 3 years I got control of my house through the court. my ex husband has no say so on I what can do. I was trying my best in responding with owcen I had mailed and fax, scan with all the paperwork I was required for loan modification. all I want is to pay on the house in three years I maintain the house inside and out still no word. I mention to them if anything is mailed with XXXX XXXX XXXX on it I will not see it. he filed for bankrupt which I did not know. Saturday this lady drop by house telling me the is on forecloser and they suing me, my ex-husband and hud, I had wrote to Hud and they told me to contact your service. let me know if I need to get a lawyer, I want to stay at my home. I feel this is injustice when all I want to pay. this is my ocwen acct # XXXX. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted MIDWEST RECOVERY SYSTEMS by certified mail o n 2 occa sions concerning an entry on my credit report, I explained that this is not my account and it is fraud, I have had no dealings with  XXXX    XXXX   XXXX  , I am a veteran with a   XXXX   XXXX     XXXX  and can not participate in such activities. I ask them to provide documentation of this entry bearing my signature and they have failed to do so. Any help you can give me in this situation is greatly appreciated. I will take them to small claims court if this is what I have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in Pnc purchase pay back program. I signed up for the XXXX XXXX  pay back to receive 10 % of the purchase. I made a purchase on XX/XX/2020 for {$1500.00}. I was to receive {$32.00} which was the maximum amount on the XX/XX/2020 but never did. I filed a dispute within the bank but the bank never deposited the {$32.00}. I called again today and was not provided no assistance or explanation. I would just like the {$32.00} indicated under the purchase pay back program. I followed the rules and it is wrong for the bank to cheat customers after the transaction has been completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
this is with equifax and XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX dollars. this account was charged to indigent care and the doctor himself told me in 2014 there was no charge for this as it is indigent care. please remove at once

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This company is the only XXXX out of the XXXX agencies that refuses to help and take care of this fraud. 

All these inquiries are fraudulent : XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a Chase Freedom credit card on their website on XX/XX/19. Because there is an extended fraud alert on my credit file, it took an additional 8 days to get approved. I was approved on XX/XX/19 with a credit limit of {$2200.00}. I did not receive and activate my card until XX/XX/19. At that time I setup my online account and activating of my free credit monitoring account. 

Shortly after, about 8 days, my card/ was cancelled and the account closed. I did not receive any notification prior to doing that from Chase. I contacted Chase several times and was not given a clear explanation as to why I was approved for an account and then 8 days later it was closed by Chase. 

I received notifications from my credit monitoring apps that there was a closed account added to my credit file by Chase for this credit card that they closed. It caused my credit score to drop substantially.I contacted Chase and also wrote then goodwill letter asking to remove this account, as it was closed without explanation and also only open 8 days. I also explained to them that credit reports every 30 day account info and this account was not open even 14 days to report anything. I advised them that creditors aren't required by law to report borrowers ' account information to the credit bureaus. They replied back that they are with no documentation backing up that claim. 

I also notice conflicting info on each credit bureau report about this Chase account. XXXX  is listing a open date of XX/XX/19 and a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 with a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 and a close date of XX/XX/19 As you can see, these dates contradict and do not coincide with the dates that were actually listed as the application, approval, and activation of this account. So I would like Chase to please petition to remove this account from my credit file on all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: PA
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'm a natural person. Equifax continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The borrowers are in foreclosure and are encumbered with the high costs of force placed homeowner 's insurance. In XXXX, the fire policy amount was {$43000.00}, this added {$3600.00} monthly to the mortgage. Interestingly enough, the borrowers had their own insurance at the same time. The only documents they have from this era are attached along with the forced placed insurance. The total cost of escrow in the Final Judgment of Foreclosure totals nearly {$200000.00}. This is hazard insurance XXXX {$81000.00}, in XXXX, {$49000.00} and at its lowest in XXXX at {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with transunion 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 2019-10-20
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
TOYOTA MOTOR CREDIT - Account Number : - XXXX Status : - CHARGE-OFF Toyota Motor credit account XXXX was discharged in bankruptcy a. The discharge papers and matrix are enclosed. 
b. The letter from Toyota acknowledging the bankruptcy and a copy is enclosed. 

During the last dispute XXXX re-listed the account as verified, so I initiated another dispute and it remains in dispute status. 

Last year before all the XXXX mixed files it reported correctly. 

Have XXXX  please fix the status to Discharged in Bankruptcy and leave it alone. 
It has been changed on the report several times. Yet Toyota ( as in the letter enclosed ) has verified they stopped collections and it is in bankruptcy.

Company response to consumer: Closed with explanation