BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for XXXX. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive contacted the company multiple times in regards to remove the debt from my credit report. Ive asked for validation ; and received no response at all. Ive asked for validation as well. 
The first letter was sent XX/XX/XXXX Second letter was sent XX/XX/XXXX Third letter was sent XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After i sent a dispute, debt validation letter certified mail, exercising my consumer rights under FDCPA and FCRA laws. The company failed to give notice to credit reporting agencies that the debt was disputed. I told them that they couldn't report to my consumer report without giving information that i requested to validate the debt. I sent a cease and desist letter, they responded saying they have processed my cease and desist and they still posted on my consumer report after i enforced my consumer right. The company went and stole my personal property and i filed a federal laws suit against the company. Due to the litigation i need the inaccurate information to be removed from my consumer report. XXXX XXXX  DBA OF XXXX, XXXX XXXX listed on my consumer report, must be removed due to me having full evidence of notice and never giving written permission for information to be posted to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
<P/>
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.

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 2021-11-15
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Cooling & Winter LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between  XXXX   XXXX  and now my daughter { name hidden } has tried contacting  Cooling and Winter  at  XXXX  to settled a judgement debt that I owe. She has been calling and calling to no avail. She spoke with a woman name  XXXX  who told her there were only  XXXX  agents that accepts call and they are in the garnished department. She and others has transferred NOT ONLY me ( but my daughter  )  to  XXXX   XXXX  out of the  XXXX  reps ) and we have left Voicemails after voicemails with specific instructions on when and how to call my daughter { name hidden }. On  XXXX   XXXX ,  2017 , my daughter received a call from someone name  XXXX   XXXX  who told her that before he can speak with her, he would need a letter of authorization from me. He advised her, once he received the letter, he will call her back. He gave her his email address to email the letter to  XXXX  XXXX  XXXX . The letter was written and signed by ME to allow  Cooling & Winter  to speak with my daughter regarding this judgement.  XXXX   XXXX  did NOT call neither myself or my daughter back. My daughter called the same day, the next day and the next day to no avail. She even left a message and we quote, " Why is it so hard to get in contact with someone to take care of this judgement? '' We have never called a collection agency just to be told there are only  XXXX  people that can help us with are debt and when we are trying to get a hold of someone to pay our debt in  FULL  it 's like pulling pins and needles. This makes no sense that we as the debtor is trying to pay and have something that is affecting my credit taken care of and have a very difficult time trying to get a hold of someone. I feel like this company is doing this to collect more money or something. This has taken too much time and energy for something that we are trying to pay and satisfy. This is a joke and a life within itself. It is  XXXX   XXXX ,    2017  over a month and no one has called us. She left a message on Thursday and Friday and again NO ONE, I repeat NO ONE has called back! At this point, I do n't know what to do but file a complaint against the company to them, news cast and anyone else who would like to listen to point out how when a debtor is trying to pay and satisfy their debt in full, a collection or judgement company is refusing payment and/or not returning their calls. Very sad and the  XXXX  is affecting me from purchasing a home. I would like this judgement remove for their incompetent, unsatisfied, in responsive actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Chase g ave me  a Tax Year   XX/XX/XXXX Form  XXXX .  <P/> I filed and paid taxes on {$13000.00} in which ; I owed less than {$13000.00}.  <P/>  XX/XX/XXXX   XXXX   XXXX  ( est ) I spoke with "  XXXX  ''  of Chase co ncerning form  XXXX . I asked, " Is this what I should be receiving? ''  XXXX  told me, " call back next week. ''  XX/XX/XXXX  I called back  XXXX . I spoke with  XXXX   XXXX  concerning form  XXXX  " Is this what I should be receiving? ''  XXXX   XXXX  submitted a work order.  <P/>  XX/XX/XXXX  I called back and spoke with  XXXX   XXXX ,  Senior Service Specialty.   XXXX   XXXX  said, " Yes, I should have received form  XXXX  '' I stated, " I have continued to make my payments and I sent a form requesting my account to stay open ''.  XXXX   XXXX  said, " I should continue to make payments if, I want to keep my home but,  XXXX  do not have to accept my request. ''  XXXX   XXXX  then turned my call over to  XXXX   XXXX .  <P/>  XXXX   XXXX  said, " I was flagged bankruptcy interest. ''  XXXX   XXXX  then turned my call over to Account Service  XXXX   XXXX   (  or  XXXX   )  to request  XXXX  amended adjustment current principle.  <P/> I have continued to make regular on time payments t o Chase.  Last payment sent was  XX/XX/XXXX .  <P/>  XX/XX/XXXX  I received a noticed.  Chase has cha nged my line of credit account number and I am to send payments to a " new account number '' starting in  XX/XX/XXXX .  <P/> Is this an attempt to violate federal consumer financial laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I did not request a fraud alert on my credit, I made a dispute of accuracy. I had an important loan meeting today and I could not advance because the credit bureaus put an alert on my credit file without a telephone number or my 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 2020-06-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

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 2019-12-10
Company: Early Warning Services, LLC
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: Account information incorrect

Complaint:
RE : XXXX XXXX XXXX CD ACCOUNT ending in XXXX This is a CD account. EWS has told me that CDs are not subject to reporting with EWS. The account was closed XX/XX/XXXX yet on my EWS report there is information showing XXXX cents in interest paid on XX/XX/XXXX. After being on a call with XXXX  XXXX XXXX for 2 hours and 53 minutes I'm told that they are unable to locate the account. 

The information regarding the CD account is false and should be removed from my EWS report especially since CD accounts are not subject to reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: KS
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:
On  XX/XX/XXXX , I contacted   XXXX   directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both  XXXX  & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent  10  letters starting in  XXXX  and the last three I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By  XXXX  own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If  XXXX  had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with   XXXX   on  XXXX / XXXX / XXXX  at   XXXX   XXXX  . C.S.T., I advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.

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 2017-04-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have tried several times to send money from my Navy Federal Credit Union account through XXXX to someone for business purposes, and instead of the instant service and payment like every other bank account that I have, it has taken now 3 days to get this money to my employee and caused multiple problems!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: EQUIFAX, INC.
State: KS
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:
On  XX/XX/XXXX , I contacted  XXXX  directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both   XXXX   & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent 10 letters starting in  XXXX  and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By   XXXX   own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If   XXXX   had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with  XXXX  on  XX/XX/XXXX  at   XXXX   XXXX    C.S.T., I advise d the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a senior citizen on XXXX a fixed income. due to my condition a modification was negotiated with Ocwen loan Servicing LLc in XXXX with a deferred {$XXXX} at loan term in XXXX. after much litigation, as Ioan had no prepayment penalty I paid all bearing interest principal in full, {$XXXX} monthly payments were made {$XXXX} principal & {$XXXX} escrow. Ocwen then decided to refuse monthly payment after a year of litigation they realized I was complying with modification terms. in XXXX Ocwen decided to modify except they demanded I pay {$XXXX} to start modification. to me it was surprising as I never heard of payment to modify person 's loan on XXXX. ocwen refused paymwents twice, then I included Ocwens representative 's correspondence which stated I was to pay principal bearing interest first then with no penalty. 
as seen in attached documents, with my family 's help I managed to pay all monthly payments in addition XX/XX/XXXX {$XXXX} in following months We paid another {$XXXX}. in XXXX we paid over {$6000.00}. XX/XX/XXXX taxes and insurance as seen paid into escrow. PHH is demanding more escrow for projection which is unfair as I already send my entire Social Security check to satisfy loan. We no late payments or past due except PHH wants to add over {$3000.00} dollars to loan for projections. I advised PHH that my modification is specific to exact payments due to limited income. to no avail even talking to managers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts listed on my credit that I don't recognize not does it belong to me. Please remove them.

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