BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Westen Union Reference Number is XXXX XXXX Payment amount is XXXX XXXX XXXX value date is XXXX XX/XX/2023. 

Reason for complaint : Beneficiary Claims Non Receipt of Funds. 

Western Union lied about the payment value date. Western Union still refuses to provide me with the XXXX confirmation of my own XXXX payment. Western Union has now taken my US Dollars and refused to provide XXXX XXXX to the beneficiary bank in XXXX. I have no Dollars and my beneficiary has no XXXX XXXX. Western Union refuses to provide proper exact and legal proof of XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have sold my property and am closing on XX/XX/27. Rocket Mortgage has called me several times trying to convince me to obtain another mortgage. The initial call indicated that they had " seen '' that I was looking to make a purchase. That is a lie and is based on the assumption that if I am selling one that I must be buying another. The most recent call said that they were calling to see if I could get a better deal on my existing mortgage. When I said that it was being paid off next week, the caller aggressively interrogated me about why I wasn't making another purchase. She asked me why I was renting and " what it would take '' to get me to make a purchase. 

It's none of her business, but one of the things I mentioned was the market being poor for real estate right now and she responded by saying that real estate investments would earn more than current interest rates. I then asked her if she was a registered investment adviser to which she responded that she was very knowledgeable about real estate. 

I have received multiple calls now from Rocket Mortgage, two of which questioned my decision not to purchase real estate and asking me " what it would take ''. Even though I told the first one that I was not going to be in the market for at least a year, I have received additional calls. These seem like inappropriate and aggressive sales tactics. Because the same tactics and phrases were used by multiple agents, this is not an isolated bad actor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I was behind on my mortgage by alot. PHH mortgage offered me a loan modification in XXXX XXXX to begin payment on XX/XX/XXXX XXXX. It was a 3 month trial payment. House was scheduled for foreclosure in XXXX XXXX XXXX. Was pushed ahead and ahead. I made my 3 consecutive payments XXXX, XXXX, and XXXX @ {$3000.00}. No payment for XXXX as this was the new loan origination date. I paid XXXX mortgage at the same {$3000.00}. PHH mortgage says they sent out final modifications agreements that were to be returned XXXX. I didn't receive the initial mailing of modification. PHH contacted me by phone and then sent bit via email. Mailed back original modification on XXXX they still foreclosed on my house on XXXX @ XXXX. I made all payments required under the trial payment plan and still foreclosed citing they didn't receive the signed modification agreement. Spoke with PHH on XXXX and was told there was no foreclosure taking place.

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 2023-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records is settled. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED LETTERS ISSUD TO FINANCIAL INSTITUTION AND BUREAUS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I went to XXXX XXXX XXXX XXXX, for dental work, I was forced into getting a care credit account, which I did not want, I told them many times, I've called many different numbers from Care credit, but only get an automated machine, I paid in cash for services at the dentist, I haven't charged anything to the card. I am unable to close the account, they pushed me to open, so they could charge the dental work to it.

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 2023-01-09
Company: KEYCORP
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a unemployment funded card thru XXXX KEY BANK. I was on down weeks on XXXX XX/XX/XXXX and my unemployment money was put on the XXXX card on the XXXX of XXXX, I took the card to my bank XXXX to have the funds pulled off the card and put into the checking account, the teller told me there was no funds on the card as she passed the card bake to me. On XX/XX/XXXX I took the card into the bank again and the card declined again. Called the XXXX number and they said it is PENDING it is still PENDING today XXXX. I now have another unemployment fund on the card but I can not have access to it until the first issue is resolved. They tell me maybe XXXX XXXX XXXX. Now i have also been in contact with my bank and everyone is playing the blame it on the other bank. I still have no idea what else to do at this point. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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:
On XX/XX/XXXX I sent a letter to EXPERIAN, at XXXX XXXX XXXX XXXX TX XXXX, by USPS Certified mail # XXXX. 
I received confirmation of delivery to Experian dated XX/XX/XXXX. 
I included in my letter and attachment to Experian my Government-issued proofs of identity, copies of my XXXX  Driver 's License, my Social Security card , and my home utility bill ( XXXX XXXX XXXX XXXX XXXX XXXX. 
My attachments and copies verified my ONLY LEGAL NAME, MY ONLY ADDRESS ( since XXXX ), my ONLY SOCIAL SECURITY NUMBER. I also asked that twXXXX INACCURATE PHONE NUMBERS also be removed. 
All that should remain on my reports under personal information should be my ONLY accurate and complete : NAME, ADDRESS, SOCIAL SECURITY NUMBER, and PHONE NUMBER. 
As of XX/XX/XXXX, ALL the inaccurate or incomplete personal information that should have been deleted still remains on my Experian credit report. I received no notice of investigation or procedures or sources used, even though I requested them. I provided government-issued, and utility company verification of my true information. 
Experian is obviously using faulty sources of information and failed to reveal those sources to me. I would like all of the disputed, inaccurate and incomplete data in my file deleted right away.

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 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
Company : Bank of America XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Bank of America has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. The account is showing completely different dates of last activity for each bureau which is completely inaccurate and false reporting. 

They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.

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 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2023-06-13
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: Account status incorrect

Complaint:
I reached out to each of the three credit bureaus by mail to investigate two XXXX accounts on my credit report. The account numbers are XXXX and XXXX. Each of the bureaus stated that they updated or modified the accounts. In particular, I wanted the bureaus to verify the account the history where I observed the discrepancies. As a result, after their investigations, the credit bureaus continued to illustrated different information that is not 100 % accurate. 

For instance, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my Experian report but is reporting 120 days late for XXXX and XXXX for the same month, XX/XX/XXXX. 

Similarly, the XXXX account ending in XXXX is reporting 180 days late on XX/XX/XXXX in my Experian report but is reporting 120 days late for XXXX and XXXX for the same month, XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. ''

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 2023-01-09
Company: Optio Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, we purchased a car from XXXX XXXXXXXX XXXX  XXXX XXXX, and paid portion with a credit card and a check. {$5000.00} on the Credit Card, and {$14000.00} by check. 
The check was fully collected on XX/XX/XXXX without an problem. 
Qualia Collection Services XXXX XXXX XXXX XXXX, CA XXXX Sent us a collection of {$700.00} in th of XXXX XXXX in forformerr check us returned, and this is a penalty for the default on the check. 

I have contacted the collection company and informed that my bank never rejected the check. 
Qualia Collection Services, where persisted that we must pay the account # XXXX if we don't want this collection on my credit report. 
So I come to you CFPB, to help stop this and protect others from this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Method Of Verication Dear Experian, RE : I am requesting the Method of Verication for the following item : XXXX XXXX XXXXXXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verication where the following items should be provided to ensure the validity of the item ( s ). Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they veried the dispute with 4. The documentation used to verify the dispute I am anticipating a timely response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage. 

Thank you, 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 2023-10-11
Company: Sulphur Bank Rancheria Enterprises
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I want return an installment loan sent to me XX/XX/23 because I wanted only {$920.00} and the finance charge is $ XXXX. APR is 700 % I have sent a request to cancel, as instructed, however the loan company gives only 24 hrs to do so. I want to cancel this loan and all future payment obligations. I want to return funding, principal so that obligations for this loan under this agreement will be rescinded. 
I do not appreciate a predatory loan causing great financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Around XXXX of 2021 XXXX  and equifax received a bankruptcy account from XXXX. I disputed the accounts to see who furnished the accounts and it came out ot be XXXX. XXXX is in violation of 15 USC 1681b and had no permissible purpose to furnish any information to any unaffiliated 3rd party. After disputing these accounts with XXXX they ruled that the accounts were not verifiable, and we deleted. However, equifax and XXXX are still reporting harmful information that has been proven to be unverified from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NY
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the following accounts listed IMMEDIATELY!

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 2023-06-08
Company: EQUIFAX, INC.
State: MD
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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