BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report information on my credit report that does not belong to me. My report number is XXXX. 
The bankruptcy filings listed are not mine. I will need proof that it does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how Equifax verified the information, including the business name and address contacted and the telephone number if reasonably available. 
I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these entries be investigated and removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working with OCWEN Mortgage for over a year, for a Short Sale. We have been denied modification several times. Every time we are near an approval, from OCWEN, we are put on hold. Now, at the ninth hour we find out after my conference call with my new relationship Manager whom I asked specifically if we are on the Scheduled Foreclosure list on Thursday XX/XX/XXXX when our Purchaser was anxious awaiting an approval that we were not on the list, but placed on the list the very next day and then put me off until the XX/XX/XXXX when they scheduled an appointment the following day XX/XX/XXXX. OCWEN has done nothing but delay, distort and confuse me, XXXX XXXX XXXX, during the entire process. OCWEN has always acted in Bad Faith. I believe OCWEN intentionally acted in bad faith and intentional negligence to prevent me from receiving moving expenses from my family home for over 50 years. I also believe that they sent out another false inspection friend of OCWEN on Wednesday, XX/XX/XXXX when I was scheduled for sugary and made myself available to show the property to the inspector who was a friend of OCWEN and Purchases Distressed Properties and intended to Buy this Property directly from OCWEN. Given all the above we pray that OCWEN approve the existing contract for over a year, pay my moving expenses as per contract by acting in good faith for Once. 

Please help me. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
According to Equifax they confirmed that I have the debts from a XXXX XXXX in XXXX, Texas and that is not true at all. I do not know where and what it is. I am XXXX and have been treated by either VA hospital in XXXX or VA clinic in XXXX. Who ever made claim is incorrect. 
The time frame that the charges at XXXX were done I was NOT in area!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On the XX/XX/XXXX I attempted to make a mortgage payment for XXXX with XXXX Mortgage. On the XX/XX/XXXX I received a call that they were not able to receive payment due to a missing digit on the account. I paid the XXXX payment that same day for {$1300.00} then on XX/XX/XXXX I made the XXXX payment. My mortgage payment is {$1200.00}. Equifax is reporting that I missed a payment and I 'm 30 to 60 days behind and my score fell XXXX points. They also have my account balance for almost {$10000.00} more than it actually is. I believe Equifax does not verify information before they add it to your credit report and when it is disputed they provide no information that the information they receive is correct. If anything since the funds could not be received for the XXXX payment I would be a month late but I am not two months behind on my mortgage and I do not owe the mortgage company any money. I have a VA loan and XXXX has to report to them. If Equifax would have conducted a proper investigation they would know that the information they have on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Reporting a collection from a third party collection agency XXXX. They were unable to validate the debt within 30 days, still reporting. I disputed with the credit bureaus asking them to VALIDATE not verify with a XXXX digit code, they refused and did a XXXX digit code verify and did not VALIDATE still reporting negetive. 
Received court documents on a judgement that 's not mine that was reported by a third party not the court. All credit bureaus except for equifax removed after validate the judgment was not mine and received the court notice stating the same

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have for the last XXXX3 years been billed for credit monitoring thru XXXX and equifax. The amount billed to me monthly is XXXX. The score reported thru XXXX and equifax has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my XXXX subscription tonight only to be told by the XXXX rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: United PanAm Financial Corp.
State: MS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
United Auto Credit gives me at least XXXX daily phone calls. I can speak to XXXX representative but XXXX more will call me the same day on my cell phone and leave messages each time. I also get emails If I am even 14 days late, I am told that my account is on their desk for repossession or that it is imperative that I call them immediately. I was 1 day late one time and got XXXX calls while I was at work. I also receive calls at XXXX XXXX and XXXX. This is very annoying and I wish it would stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

Here is a list of the Companies and dates of the inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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/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/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 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 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 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 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/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 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/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 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/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/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 XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not a Duplicate. 

I have tried to escalate this matter to Equifax multiple times without success on XXXX XXXX XXXX Account XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XXXX/XXXX/XXXX - XXXX USPS Certified mail - XXXX/XXXX/XXXX - XXXX I have tried bringing this to Equifax multiple times notifying them that the Collector agent did not validate this account within the 30days required by the FDCPA and Equifax repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for Equifax XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX This account showed up on my credit report on XXXX, XXXX for a balance of {$670.00}. This current Equifax report on XXXX XXXX, XXXX Confirmation XXXX and XXXX XXXX, XXXX Confirmation XXXX both states a repetitive response that Equifax verified this account to be a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XXXX XXXX, XXXX. I have a copy of my lease which I 'm attaching. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XXXX XXXX, XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This is a follow up to Complaint # XXXX ( now CIT ) responded within days of your having contacted them. 

They have sent several letters, we have spoken several times on the telephone, the bank has acknowledged that they have no legal standing to continue to hold their lien against our home. 

Despite their promises to resolve the matter, today, three months after our initial contact with you and 20 months after we first requested that the bank release the lien, as of XXXX XXXX, 2015 the lien release has not been recorded. 

This morning I spoke to XXXX XXXX XXXX to express my dismay at the delay. I pointed out that if this were a sale, the transfer would be recorded in three - five days. He said he had no explanation nor was he able to contact anyone else in the bank who might have some insight into how to move the process along and reach a resolution. 

I appreciate the Consumer Financial Protection Bureau 's assistance and can say without equivocation that it was your involvement that moved the bank to begin a dialogue. 

I hope that you are equally able to help them solve this in a timely manner.

Company response to consumer: Closed
Consumer complaint received 2016-10-22
Company: Financial Corporation of America
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I wrote Financial Corporation of America company twice asking them to send specific verification of the alleged debt, In response they evaded and/or avoided my debt verification request in an attempt to collect money they allege I owe them. I have no contract with Financial Corporation of America. 
A final letter mailed from FCoA Corp., that they will not respond to my verification because 30-days had past. Please let the record show that they only mailed me an original creditors bill and a copy of the outpatient care consent form I never received or gave my initials next too. Also, while under heavy med, # XXXX was not read to me, first time seeing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Someone opened several credit cards under my name. XXXX XXXX appeared twice on my credit report. I disputed the items and XXXX XXXX sent a letter indicating they removed the items from my credit report. 2 weeks later I received a letter from XXXX XXXX stating they sold the account to XXXX XXXX and I would have to follow up with Portfolio Recovery. I called XXXX XXXX and they have been impossible to obtain information, I then submitted the dispute with the credit bureaus and have not received any assistance on removing inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of fraud in Bank of America. XXXX created an account using her name and my name without my authorization. I informed the bank personally due to an alert on our phone on XX/XX/2022. While I was on the phone informing the bank that a fraud activities is going on with my family and my accounts we were able to see the electronic transaction is " processing '' .. On XX/XX/XXXX we filed a claim number XXXX. On XX/XX/2022 we received a letter from the bank ( I will attached later ) stating " We've completed our research on your claim and we determined you are not the person responsible for opening the account ( fraud account ending with XXXX ''. Bank consider my inquiry resolved and no further action is needed. On XX/XX/XXXX they reversed the decision ( attached later for XXXX account as an example since all of us in the family have XXXX accounts ). stating the bank denied my claim and consider it close because the transfer was authorized by our device which is a lie. The total amount that we lost is more than XXXX. 

I do not trust the bank conclusion since they never contacted the phone manufacturer with law enforcement and check on the bank mobile apps if it was compromise. 

Also so far they bank refused to give us any temporary credit to buy grocery to eat or pay our bills. I have been customer for over 31 years. They have my record.

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 2015-09-18
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc called my cell phone at XXXX on XX/XX/2015, while I admit I am late this month since I paid a large questionable audit from an IRS agent named XXXX XXXX, there is no reason to harass me this early in the morning when I have not been late for years on my mortgage. In additional Seterus a cease and desist order in teh past as I fought about this type of stuff years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have a security freeze place on my credit file. I have asked for my freeze to be lifted and every time I call to speak to agent Im being transferred to the Office of Consumer Affairs. I ask the office of consumer affairs to lift my credit freeze and I 'm rudely talked to and hung up on each and every time I call in. They continue to discriminate me and mistreat me. I have now been hung up on 3 times on XX/XX/2016 by a rep in the office of consumer affairs named XXXX XXXX. She is extremely rude and talks to me in a disrespectful unprofessional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To : CFPB XXXX XXXX Columbus, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX. Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a hard inquiry on my credit report, I contacted the company Twice asking for the original documents containing my signature or any proof that i applied for financial assistance from their institution,,, they provided no documentation, ,and refused to remove the hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I mailed written request for verification of alleged debt to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX. XXXX noted duplication on report and sent notice of removal of record regarding XXXX yet it remains on report. See attached. 

XXXX has failed to provide my dated signature for this alleged debt. 

This alleged debt is listed as being created in XXXX of 2009. According to statutes, the debt, alleged or otherwise, should be removed after 7 years. I respectfully request the alleged and inaccurate debt be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Previously I requested Equifax remove the fraud alert and file blocked for promotional purposes from my credit file. On XXXX XXXX Equifax sent me confirmation XXXX that this was removed. Since that date I have not asked Equifax to add the fraud alert or promotional blocking to my credit file again. Yet on XXXX XXXX, 2015 Equifax mails a letter saying they 've placed the alert on my file as requested. I DID NOT REQUEST THIS AGAIN. Equifax made this choice on their own without a signed request from me. This fraud alert is affecting my recent applications with XXXX for a car loan now.

Company response to consumer: Closed with explanation