BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX  which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX  XXXX veteran with XXXX  young children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$670.00} XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX, 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 Inquiry : XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2019-11-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received initial contact by mail XX/XX/2019 from Resurgent Capital Services, L.P.

Mailed a Cease and Desist letter XX/XX/2019. 
Received second contact by mail XX/XX/2019. 
Mailed a second Cease and Desist letter XX/XX/2019 with tracking/delivery/signature information for the original Cease and Desist letter from XX/XX/2019 demonstrating that they received the previous Cease and Desist letter and to once again, cease and desist all communications with me. 
Received third correspondence by mail XX/XX/2019. 
Will be mailing another Cease and Desist letter informing them of their violation of ignoring my previous Cease and Desist letters and include the tracking info for both prior letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

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 2019-11-01
Company: EQUIFAX, INC.
State: NV
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:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: ERC
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: Information belongs to someone else

Complaint:
I reached out to Enhanced Recovery Corporation regarding an account ( # XXXX ) that has information attached and requested validation for the reported debt. This account was reported to all three credit bureaus ; however, it is now solely reported to XXXX. In the attempt of having the company remove this account due to their inability to provide validation of me owing this company, they have constantly sent a bill from XXXX with my name on it which is against the law according to the FDCPA ( 809. Validation of debts [ 15 USC 1692g ] ( c ) ). I have asked for documentation containing my signature stating that I owe Enhanced Recovery Corporation and they are not cooperating. 

Here 's a time line of my communication in the efforts to rectify this matter : XX/XX/XXXX : First letter sent to ERC XX/XX/XXXX - XX/XX/XXXX : Account removed from both XXXX & XXXX report XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NV
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:
Hello Yes Im having trouble with the XXXX major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX Does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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:
In accordance with the Fair Credit Reporting act Convergent Account XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission

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 2021-10-28
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from EDUCATIONAL CRED MGMT

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove these accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}

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 non-monetary relief
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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

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 2020-04-03
Company: Atlanticus Services Corporation
State: NY
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:
On XX/XX/2020 I called fortiva cause I noticed that my account was closed when I checking my online account so I called to find out why my account was closed and not given the proper notification that is required by law. After speaking with XXXX who refused to give me his employee so I could better identify him. Told me a manger would call me 2-3 business days. Well on XX/XX/XXXX a manger called named XXXX Told me he could not answer my questions and in 2-3 business days he would receive a call from a different manager. Well that never happened Im not sure XXXX  was even a manger. This is the 3 rd time they have closed my account with out send out in the mail proper notification. And when you call they say they do not have to. They keep saying they have right to close my account and I agree they do. I do lot even care what the reason is. There needs to be consequences for them doing this. Also like to know why I never got call from second manger

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with IndyMac turned to Ocwen since XXXX to process a deed-in-lieu on a property I owned. After much back and forth with the banks, my property was finally officially transferred/deed recorded from me to Ocwen in XXXX XXXX. Since then, I have followed up with Ocwen several times to receive a XXXX to file with my taxes. As an aside, they issued a XXXX in error in XXXX. Each time I contact Ocwen about a XXXX, they keep saying that they are still working on my file to close it out. It 's been 17 months since the deed has been transferred to them and I just called the other day and they told me that they were still working on it and may not have it done by the end of XXXX? The Mortgage Forgiveness and Debt Relief Act of XXXX provides a tax exemption for homeowners for " income '' resulting from debt forgiveness related to foreclosures, short sales and principal forgiveness of loans. That Act expires on XXXX XXXX, XXXX and therefore, if Ocwen does not process this deed-in-lieu it would prohibit/exclude me from exercising my protections and rights under that law. I am XXXX XXXX in the United States XXXX XXXX and had to release this property as a result of a permanent change of station as a result of my call to XXXX XXXX. I am serving this nation, and I have tried my best to work with Ocwen to resolve this matter, yet, this issue is not a priority to them since they will benefit from having me not qualify for relief under the law. I would hate to think that they are " sitting '' on my file so that I can not claim relief under the law. If that 's not the reason, they have very inefficient business practices that will ultimately have grave financial repercussions for me. I am disappointed and at my wits end. Once again, Ocwen claimed that they would try to expedite resolve, however after 3 years of going back and forth with Ocwen, I ca n't continue to believe what they tell me. I have filed XXXX XXXX complaints but they have an F rating anyway so that has not worked. I am now reaching out to the CFPB in hopes that you all can help me to get them to simply close out my deed-in-lieu file before XXXX/XXXX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-01-23
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
They did not use abusive language, I 'm a result of the fraudulent ticket that was also aired on the news. Although I did see the report of fraudulent tickets, I just did n't want to deal with collections so I attempted to pay. In my process, they refused to let me speak to a manager and refused to take my payment. Also told me what I should do in regards to my issue such as getting the car out of my name. I did n't ask about my personal issue nor did I tell XXXX about it so I do n't understand why he would tell me that. He was unprofessional. 
I discovered I had XX/XX/XXXX tickets around XX/XX/XXXX. I then notified the driver who said he was parked at the law enforcement wall where there is no meter. He also advised XXXX XXXX from XXXX XXXX was taking care of it. I called XXXX XXXX and was told I would be reported to collections in XX/XX/XXXX. The XX/XX/XXXX I received collection letters. I then called XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX, he ask me why I did n't get the car out of my name and I can hear him laugh. I also request his supervisor many times and he told me. The second call to XXXX on XX/XX/XXXX took minutes to let me speak to XXXX XXXX. Please listen to the calls. On XX/XX/XXXX I attempted to pay and XXXX refused to take my payment because he said I gave him my name wrong.??? On XX/XX/XXXX I spoke to supervisor XXXX XXXX who refused to take my payment because she said I gave her my incomplete name.?? 
I have emails that I tried attaching-my emails begged for a Manager to contact me and as of today no Manager has contacted me regarding this encounter with fraudulent tickets nor unprofessional staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In XX/XX/XXXX XXXX XXXX applied for a student loan with XXXX XXXX to attend XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. She started school, continued her education at the XXXX location, and then began her 800 hour XXXX XXXX in XXXX, XXXX, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the sametime paying her monthly payment of {$25.00} per month to XXXX XXXX. In XX/XX/XXXX, she consolidated her loan with Wells Fargo, the amount of the loan is for {$20000.00} for a 15 year loan. She began her Wells Fargo payments XX/XX/XXXX. She completed her education and XXXX XX/XX/XXXX.  XXXX XXXX XXXX XXXX notified XXXX XXXX of their closing XX/XX/XXXX.  XXXX was not notified. XXXX XXXX disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both XXXX XXXX and XXXX Department of Education that the XXXX school was not a Title XXXX XXXX. The Wells Fargo loan was consolidated in XX/XX/XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX proceeded with a loan that was fraudulent. XXXX XXXX did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: NV
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:
I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX 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 2022-09-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Debt was paid as I am the original source of the credit and XXXX XXXX so all Debts and Interest belong to me and I conducted XXXX and XXXX business with XXXX XXXX XXXX XXXX not Wells Fargo so any of my Trust self or Estate information sold is breach of contract and credits used also violations against XXXX XXXX and 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 2015-07-13
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen foreclosed on my home in 2010 during our process of doing a Loan Modification which they stated themselves in writing that they would not do. While I was under the impression that Ocwen and I were going to reach an agreement for the continuation of my home ownership they foreclosed on me. Ocwen also made many bogus charges running up my payment and also returned my check for a loan payment uncashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from ONEMAIN

Company response to consumer: Closed with explanation