BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America, N.A., or whatever it is calling itself today or whichever offshore subsidiary may be involved charged off a 2nd lien on XXXX XXXX, 2008, yet it remains attached to the property in question. Any and all efforts to settle the matter are being met with deaf ears. # 1 - Did n't Bank of America receive TARP funds to assist homeowners? Were TARP funds applied to this account in question? 
# 2 - Why can a XXXX firm ( hedge fund ) easily buy the " debt '' from them yet a principal, such as myself, trying to do the same is met with roadblocks? 
# 3 - Has this matter been properly reported to the IRS? 
# 4 - Is Bank of America merely leading the front to keep the general population in a state of involuntary servitude as debt XXXX? Last I checked XXXX was illegal in the Constitution. 
# 5 - There has got to be a remedy available.

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 2017-01-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax sent me a letter saying I need to provide driver 's license information, SS stub, copy of social security card, utility bill with current address. 

Most importantly they have my the middle initial of my name wrong on the letter to me. When I submitted the form for free credit report my application information was all correct including my name which Equifax got wrong. 

I am not submitting additional information to Equifax since they did not record my name correctly using the wrong middle initial. Besides, both XXXX and XXXX did not request additional information to receive a credit report which is useless to me because it did not contain information about my credit but included information on a credit card provided to me as a courtesy from a family member which I rarely use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: MI
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 am not aware of the account XXXX XXXX which is reflecting on my credit report. I spoke to all three credit bureaus and XXXX was the only bureau who recognized the false information and removed the item. I have been in works with experian and XXXX   to get this removed but have not received any correspondence.

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 2020-08-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase Amazon Prime credit card has issued a refund on XX/XX/XXXX per their statement back to a credit card. I specifically requested a refund as I no longer want to use this credit card. The rep on XX/XX/XXXX told me I would receive an email in 2-4 days choosing to have a check mailed or a direct deposit. Today XX/XX/XXXX supervisor XXXX of XXXX Missouri stats he can not refund the money to me because the dispute has not been finalized. I want my money direct deposited to my checking account as previously promised by Chase. I do not want a check in the mail because I am afraid I will never receive it just like I never received my purchase from Amazon using the Chase credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. Being that they have gone past the 30 day make and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: AL
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 INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-02-21
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have attempted to login multiple times on the site, only for the page to reload the login with no error of invalid data. I've called customer service on 3 occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for no one to ever answer. A prompt comes on after 15 minutes and states a representative will call back to the number calling from, but no one ever calls. I've tried to stop payment through my bank, but they've stated the lender can only stop the reoccurring payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The item is currently in DISPUTE. This is concerning collection account XXXX account XXXX in the amount of {$1100.00} for XXXX XXXX services. I attempted to contact XXXX several times, to no avail. So I contacted XXXX and found out that the past bill was for " unreturned equipment ''. I gave the company the correct info and the bill was corrected. I DO NOT OWE ANYTHING TO XXXX OR XXXX. I am providing a statement from XXXX XXXX as supporting document. I want this account DELETED immediately. I even FAXED the statement to Equifax @ XXXX on XXXX/XXXX/16. This account is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: AR
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:
I asked XXXX, Experian and XXXX to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 XXXX. The following account is not mine XXXX XXXXXXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect XXXX XXXX XXXX XXXX   XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect XXXX XXXX   XXXX XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020

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 2020-01-13
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I utilized PayPal as a payment device to buy plane tickets online for a family trip. The following day I contacted PayPal again and asked them to cancel those tickets because I was then under the impression that the company that I bought the tickets from was possibly fraudulent. PayPal told me that they would refund my purchase price in full, {$860.00} worth, to my account within 3 to 5 business days. After eight days I contacted PayPal again and asked them why I had not received my refund? They told me that it had been issued on XX/XX/XXXX, however, my bank does not show an inflow of refunded money until XX/XX/XXXX from PayPal. On XX/XX/XXXX I contacted my bank and asked them to review the transaction as fraudulent XXXX I had not gotten a refund. Instead of putting the transaction on hold during their discovery they instead put a stop payment on the transaction and fully refunded the money to my account. On XX/XX/XXXX PayPal also refunded the money in total effectively doubling my bank funds. That would otherwise be considered a windfall, however, PayPal then reported that I now had a negative balance on my PayPal account and demanded a reimbursement of the monies that they had sent to me. As of today I have spent over five hours on hold or awaiting someone to respond via PayPals voice response callback system and/or their chat application. All attempts that I have made to reconcile the account via the links and tools that they have provided online, all of which are linked to my bank account and my credit cards results in an error. Every attempt I have tried to make since XX/XX/XXXX to talk to a representative about the problem results in either being transferred to a department that cant handle the problem, or, being hung up on during the transfer. Every day I get messages from PayPal telling me that I need to reconcile this problem but the only available tools outside of attempting to get an agent on the phone is via their web application. Since my account went negative with PayPal they have locked me out of my account and are forcing me to attempt to pay this debt by charging it to a consumer credit card thereby inflicting me with a cash advance fee. I have the money to pay them, I want to pay them, but, they have made it impossible to pay them without incurring a fee for it and that is simply predatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In XXXX 2015, I filed several disputes with and against Equifax with the CFPB. 
Prior to investigating and resolving the disputed issues, Equifax sent a credit report dated XXXX XXXX, 2015, showing no actions were taken in regards to the disputed items. I again disputed the inaccurate items and requested a copy of my Equifax credit report showing the correction were completed. Equifax is refusing to send my a copy of my corrected credit report and credit score. Per Equifax I received my free annual credit report on XXXX XXXX, 2015, which I did not request a copy of my free annual credit report I disputed inaccurate information on Equifax credit report. Under the FCRA I am entitled to a copy of my credit report showing the disputed items have been corrected and no additional information was changed during the process and Equifax is refusing to sent a free copy of the report. The consumer should not have to pay to see correction that were created by the very same credit reporting agency. This is a scam to charge the consumer to see a corrected copy of their credit report and a clear violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: AL
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 INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I called Transunion and XXXX about removing or repairing my credit scores because of someone submitting Credit Card or Loan application under my name. When I called or dispute and to have a credit freeze put on my account, they want me to pay for this, I do not agree paying for something that was put on my credit report and I did not submit the application. This is wrong and something needs to done about this. They should be able to correct this, they let the wrongful person put an Inquiry on my reports without my consent. It is not right and especially I am trying to buy a house and have not submitted any application except 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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : This letter is in response to your recent claim that the accounts below has verified that the accounts they are reporting under my name is accurate. 

1. ( XXXX XXXX XXXX XXXX XXXX Account # XXXX ) 2. ( XXXX XXXX Account # XXXX ) 3. ( XXXX XXXX Account # XXXX ) I advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation-This was not done. 
I requested you produce copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this or remove this item from my credit profile-This was not done. 
Any automated response or E-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Texas Attorney Generals office as well, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. 95-6445 (  C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance. Section 609 states collector did not verify, " Section 609 states that you're required to send me the original paperwork that verifies this account with my actual signature ; otherwise, this is false information! '' You were advised if not provided ( which you did not to remove immediately ). Furnish immediately the signed contract or remove this account immediately. Accounts are unknown, collection, remove immediately for unknown collection. Remove this account. Because you could not provide Proof of collection validation, method of collection verification, nor furnish immediately the SIGNED CONTRACT or ELIMINATE this account 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 2020-08-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and Experian are fraudulent on my accounts CAPITAL XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2017-02-03
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned and lived in my house for 44 years and never had a problem making the mortgage payment. However, a few years ago my loan got sold to Ocwen Loan Servicing. they randomly sent out an inspector to my home in 2014 and he claimed that I had to redo my roof. Ocwen used this to try and justify cancelling out my insurance and forced me to use their insurance company, which cost way more. I could barely afford my payments when they did that, and in that same time period my wife had to have XXXX. I had a large co-pay and was not able to keep up and fell behind on the mortgage. Now Ocwen is dragging their feet and refusing to negotiate with me and pushing me into foreclosure. 

I tried on many occasions to make some progress with Ocwen to try and get them to remove their force placed insurance so I could get back to my more affordable policy but made no progress. I also tried to get Ocwen to work with me to restructure or modify my mortgage loan, but feel that I have run into a brick wall. I ended up hiring a third party to assist me with Ocwen, but after a year of providing documents over and over it feels like no progress has been made. I am semi -retired but still do electrical estimating work and my wife is receiving XXXX, so we have the means to make a fair mortgage payment. Our issue is that our mortgage company Ocwen created a problem when one did not exist and put their greed and profits ahead of the people who live in the homes they financed. My father built this home and I have lived here over 40 years. I never thought it would come to this. I just want to get back to making regular mortgage payments and put this behind me but have been unable to do so because of Ocwen 's failure to communicate and negotiate fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: OneMain Finance Corporation
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Please Help Me with this crucial situation, I have been paying on this loan since XXXX, I am a widow, and on Social Security, My Credit Report shows what., One Main Financial, has fraudulently been taking and taking $ $ $ from me! 6 years, I have. Pd. For 3 cars by now, I have not been able to get out, b/c, of the pandemic One Main in XXXX, IN., all last year harassing calls every day, when I made all payments, Adding new loans and inventing new ones, it shows on my credit report., example : on XX/XX/XXXX ( unsecured what, never pd {$89.00} for. No loan nor signed a document for this I have pd and pd. I can not pay this no more, please help me, I go on line to look at all my statements and it does not show all payments that I have made?? Never refinanced with One Main, XXXX $ ever Month!! I have or will show if need to ALL PAYMENTS probably amounting to 25,000 or more!!!!

Company response to consumer: Closed with explanation