BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX/XXXX/XXXX I attempted to use the Equifax Website to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as SSN, address, DOB, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for Equifax, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the XXXX Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the Equifax security breach, ( I confirmed by going to the Equifax breach Website and entering my SSN ), how am I to protect my private consumer information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Westcreek Financial
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was scheduled to pay off a debt with koalifi. When I called to make the final payment I was a few days late and they had quadrupled my debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
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: Information belongs to someone else

Complaint:
I was recently contacted by an occupant of a address I used to receive mail at, when I was XXXX. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by XXXX, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.

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 2020-02-26
Company: Ocwen Financial Corporation
State: WI
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:
We Filed Bankruptcy in XXXX of XXXX. Ocwen Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to do a Loan modification with shelllpont mortgage. My husband had XXXX. I am having trouble making payments. My interest is at 6 % They refused to help me after waiting over 3 months. Sending in the same paperwork over and over again. They said I had too much equity in my home. You would think this would be a good thing. I have been living in this house for 40 years. I do not wish to lose it. All I am asking for is a lower mortgage payment. Shellpint is obviously making a lot of money off of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, Judge XXXX XXXX, entered an Order setting aside the garnishment. The Court Order states that all funds held by Bank of America ( Garnishee ) must be release to defendant XXXX XXXX. The order also reflects that the garnishment is dissolved. On the very same day, i furnished a copy of the Court Order to Bank of America legal team, however BOA has not updated the account or set aside the garnishment pursuant to the Court Order. Numerals calls have beeb made to BOA and they continue to delay the process and this creates additional hardship to defendant. BOA has ignored a court Order, BOA should be sanction.

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 2019-09-01
Company: Ardmore Finance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Last month around the XXXX of XXXX I went to make a payment, the lady said their rates changed and I can recieve money. I asked what my regular payment was because I did not want a raise and she couldn't answer me because she already did it without my consent. Then she just kept ignoring me. I couldn't speak to the manager because she has been gone and I also found it odd that the old lady ( that wears a XXXX XXXX ) is using the managers initials and notoriety stamp to sign the document. I have been waiting to speak to the manager, but she still has not returned.

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 2022-06-14
Company: ALLY FINANCIAL INC.
State: TX
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  XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 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 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 explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MS
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 would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment online kept getting system error and payment was not processing. When I called the XXXX XXXX XXXX XXXX, they wanted to charge me a fee for taking payment over the phone. So I refused the pay over phone. After an hour of attempting payment online, payment was successfully made. I had a zero balance, I recently looked at my account and noticed that because my payment was made after the bank time zone 12 minutes a late fee applied for that month and the following month. I did not get notification of late late fees. On top of that interest is being charged on late fees. When attempted to contact company they said they could not remove. I have never dealt with a company that is so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: VA
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 was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX  XXXX, XXXX, XXXX end inquiries XXXX XXXX   XXXX/XXXX  XXXX /XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX. I have contacted the FTC and local police.

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 2017-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife received a check in the mail for work on a job she arranged online. The instructions were to use part of the money received to pay a third party for their work. She deposited the check with our Chase account on Wednesday, XXXX XXXX. Almost immediately after depositing the check the person who sent it starting contacting my wife insisting she pay the third party even though his check had not yet cleared. The whole thing seemed extremely fishy so my wife called the bank on Friday the XXXX to report that she thought it might have been a scam. The bank researched the check and found it was fraudulent. 

At this point they Chase immediately froze our account. They did n't just freeze the funds from the deposited check but absolutely all our money on the spot. My wife went into the bank with all correspondence from the person who sent the check as well as all evidence that we were being scammed. We were informed that they account was electronically locked and that they could not do anything about it for XXXX to 5 business days. They offered a one time exception to take some of our money out of the account. As we were told it would only be a few days we took XXXX $ out. On Monday we called a number they had given us to check to see if the account was unlocked. They told us it would take XXXX to 7 business days. I went back into the bank the next day to try and get more money out. After an extremely long wait they told me that the bank flagged our account for closure and after XXXX to 10 business days they would mail us the remaining balance of our account. We were told it was an Escrow check so we should have known something was wrong. I informed them that I did n't know what that meant and it was not common knowledge at all. 

We had been with Chase for several years and not once had an issue of depositing a bad check. They froze all the money we had for food, bills, ect that had nothing to do with the bad check and made it unavailable for close to two weeks and slowly mailed it to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: J. Mark Heldenbrand PC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MD
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:
I would like to state that credit bureau is in violation of 15 USC 1681B ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer never gave any credit bureau written contest to report anything on my consumer report. No consent is identity theft. These accounts are being illegally furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: VA
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 was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX XXXX, XXXX, XXXX end inquiries XXXX XXXX XXXX/XXXX  XXXX /XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was trying to help my mom get a car and there are accounts that I dont know anything about XXXX/XXXX, XXXX  XXXX, XXXX, XXXX end inquiries XXXX XXXX XXXX/XXXX  XXXX /XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and local police.

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 2017-08-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had Navient since they took over my XXXX XXXX loans a few years ago. They have pushed forbearance sand deferment on me and caused my repayment to double. I now owe over {$80000.00}. Also, they have reported me as delinquent to the credit report bereaus when they had told me I was in deferment status and they had never processed the paperwork I sent in to them. This caused me to also be denied loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX  XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}

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 explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: IL
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, called XXXX spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at XXXX that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, XXXX and Equifax never did and failed to do a proper Investigation according to FCRA.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL!

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.
15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Also, XXXX took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.

Company response to consumer: Closed with explanation