BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-06
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 or about XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to Experian, XXXX, and XXXX  with no " investigative results report ''. XXXX  replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the XXXX XXXX cover sheet dated XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached XXXX  cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with Experian, XXXX  and XXXX  with no results or cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Equifax has been contacted dating back to XXXX. Even the data breach at Equifax included me when I entered my ss # last four. I didn't receive compensation eventhough I am a victim of identity theft dating back XXXX. 
I called Equifax about an error teporting of XXXX XXXX XXXX XXXX and has cost me in at least XXXX in loss, opening of new credit, purchase of new vehicle when credit was checked this document from Equifax dated XX/XX/XXXX stated it wasn't being reported but I was told by the bank Equifax was still Reporting the negative account on my credit report not to mention it cost me job opportunities too. I called Equifax too violating my FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Mortgage Research Center, LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My ex-husband is in the process of obtaining a home loan with Veterans United Home Loans to finance the home mortgage in his name only since it is currently financed only in my name. His mortgage company has requested I sign a form in order to get the payoff on the mortgage, which I originally refused to sign. The form is a standard form which also includes an authorization to release credit information. I stated the loan he 's applying for is not in my name, and they do n't need me to sign this. However, after many attempts at sending another form my attorney drafted, giving my verbal authorization, and leaving voice messages, I finally signed the form just so he would get the loan financing done and out of my name. However I do not feel the company should be requiring me to sign a standard form letter that does not apply. Please research and respond. Veterans United Home Loans - Loan # : XXXX, Borrower Name : XXXX, Loan Officer : XXXX ; NMLS XXXX ; ph : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a couple additional questions for Ocwen Loan Servicing to answer truthfully and under penalty of perjury. The questions are pertaining to the Assignment of Deed of Trust dated XX/XX/2004 that Ocwen Loan Servicing created for XXXX. NOTE, multiple federal agencies stated that since this document pertains to our Note/Deed of Trust, we are allowed to request this information and this information is not considered proprietary nor confidential! 
1st, Did Ocwen hire XXXX XXXX XXXX to record this Assignment of Deed of Trust? 
2nd, What date did Ocwen send this Assignment of Deed of Trust to XXXX 
3rd, How did Ocwen send this Assignment of Deed of Trust to XXXX 
4th, How did XXXX record this Assignment of Deed of Trust, electronically, mail or in person? 
5th, Did XXXX. return the Assignment of Deed of trust back to Ocwen Loan Servicing? 
6th, If so, how did XXXX return this Assignment of Deed of Trust to Ocwen, XXXX, XXXX etc.? 
Please provide documentation on how this Assignment of Deed of Trust was sent to XXXX and returned back to Ocwen Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: PA
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:
My name XXXX XXXX. I did not authorize these accounts. These accounts are fraud.

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 2015-09-10
Company: Paypal Holdings, Inc
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
This morning I woke up to a fraudulant charge for {$1200.00} from Venmo ( PayPal subsidiary ) through my XXXX checking account. Multiple attempts were tried, but they managed to steal {$1200.00} from my account drawing it negative. XXXX says they are stuck and can not do anything unless Venmo cancels the charge today. Otherwise I get to go through a lengthy process of disputing something, I should not be wasting my time dealing with since it should be much easier to deal with fraud charges. They ( XXXX ) knows its bogus, especially when I called them XXXX hours before their fraud team called me to inform me of a potential bogus charge. I have tried contacting everyone at PayPal and they pass the buck to XXXX ( company they bought which in turn owns Venmo ), and XXXX states they have XXXX contact with Venmo other than the XXXXXXXXXXXX email address you will only find on Venmo 's site. No contact numbers, no dispute resolution, nothing. They are a shady company clearly, and they allowed to operate with such autonomy how? Its my funds that were stolen from my account by a company I do not have an account with. So I have been emailing, tweeting, and calling everyone possible. I have all the emails that I have sent, but long and short I need someone to step up and do the right thing today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: FMS Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. 
To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: CITIBANK, N.A.
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Case number : XXXX was opened on XX/XX/2016. Citimortgage requested again all the documents for a loan modification for the third time. 

Citimortgage closed the case again allegedly for me not submitting " additional '' documents within their required date. I submitted them via the email provided and can prove it. Citimortgage refuses to modify the loan.

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 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
THIS IS NOT A DUPLICATE REQUEST. THE COMPANY HAS 4 BUSINESS DAYS BY LAW TO REMOVE IDENTITY THEFT AND IT HAS BEEN WELL OVER THAT TIME.

Please read and respond. You are required to remove this instance of identity theft from the consumer report or provide the written acknowledgment and authorization provided by the consumer stating that they are opting into credit reporting at the time of signing up to this account. This authorization must have been clear and provided inconspicuously to the consumer. If you are unable to provide this acknowledgment and authorization by the consumer, or if it was not clear and conspicuous at the time of signing, then you must remove this account from their report. It has been over the four days given by law.

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I did not give Bank of America specific written permission or the right to share my personal, private financial information that the consumer reporting agencies have on record, and Bank of America did not provide me with clear and conspicuous written disclosure that specifically gave me my rights and options for opting out of credit reporting. Therefore my rights are being violated, my privacy is being violated. I am demanding that you follow the law and that you block and remove the account identified as being identity theft and that it be removed from my consumer reports immediately.

I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction is not information related to any transaction by me as the consumer : BANK OF AMERICA | ACCOUNT # XXXX You are required to do what I am asking and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2022-08-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting yet another CFPB complaint to you today regarding the removal of the disputed fraudulent items reporting on my Crediet Report. It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. I need the Credit Bureaus to please comply with the law so this matter can be handled swiftly. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Paypal Holdings, Inc
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 'm selling products on Ebay for a few months and everything was fine until I tried to upgrade PayPal account to business account with a debit card. PayPal required that the account owner has a valid SSN, address, ID, etc. So I added my husband 's information as the main account holder since he has everything they need and we have been using his bank and address since the account was opened. Less than 24 hours after I added his name, PayPal sent me an email with Case ID # XXXX telling me that my account is now permanently limited and would n't be able to do anything for 180 days to make sure I have enough money to cover any payment reversals. 
I have n't done anything wrong or break any agreement with PayPal or Ebay. There wo n't be any payment reversal from Ebay as well because I never enabled the return option for customer and I got 100 % positive feedback on Ebay. I do not want to wait 180 days to get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: ENCORE CAPITAL GROUP 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 and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX Credit Reporting Agencies ( CRAs )  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA XXXX for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: AZ
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'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and Equifax. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( 3 mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( 6 yrs, 3 mos ) The XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 2 yrs, 1 mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX ( 5 yrs, 0 mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX  Closed Limit {$700.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 4 yrs, 8 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 9 mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Closed This Information download from XXXX XXXX and Equifax websites

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Due to financial hardships, I had to file bankruptcy. Flagstar Bank was quick to close and tag it as " derogatory and closed ''. Causing detrimental harm to my credit score. I signed, filed and the Court approved the Reaffirmation letter in XX/XX/2016. At the time of this report, the account is still listed as derogatory and closed, and added a late payment to hinder the process of improving my credit. The late payment in XXXX was due to Flagstars ' refusal to accept my payment at my local branch, or online, and having to pay through a 3rd party provider for them due to the bankruptcy, costing substantial late fees and costs to process the payment. I have made several calls to XXXX, Michigan headquarters to find that XXXX XXXX isnt available, the XXXX in charge of these cases, and have NOT received a call back. First call was placed in XX/XX/2016!! I have filed XXXX disputes with XXXX to have them correct the issues, only to have it cause more harm, and still causing it to show as derogatory and closed, whereas XXXX took One dispute and is displayed and portrayed as correct. With NO derogatory comments or remarks. This is the last step per attorney advice, before filing an FCRA violation suit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has claimed the the XXXX was used to pay off existing loans on the property. From what I was told, if that were the case, what did I pay in upwards of XXXX to XXXX for? Wells Fargo has XXXX variations of the principle origination charges. That figure would have to factor into the HECM formula or the salesman would have to inform me that the HECM does not work for me and to find another option. As I previously stated, at the time of the HECM, I was in no danger of foreclosure. In fact, I had never even been late on a mortgage payment. Did I suddenly forget how to pay mortgages or fees associated with a mortgage on the most important asset in my life? Wells Fargo has not returned the documents I have requested, such as discharges from XXXX and XXXX proving payment. They have also not released the government recording, transfer charges and recorded deed and mortgage. Where did the recordings actually take place? Did they take place at all? I have solid evidence that it never took place in Massachusetts.

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 2015-05-02
Company: Gatestone & Co. International Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In reviewing my credit report it has occurred to me that the debt collector called XXXX. INTERNATIONAL INC, is still trying to collect on the debt however the debt reached its statutes of limitations of the 6 year mark as of XXXX of 2014, and the debt was incurred in Arizona and according to A.R.S 12-548 " Contract in writing for debt ; six years limitations ; choice of law '' For future reference I had a legal last name change my last name use to be XXXX it is now XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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 submitted letters to Experian requesting their help to investigate and verify the account 's information and have it corrected to appear accurately on my Credit File. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need you to remove the late dates from this account ASAP : 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