BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: ORG GC GP Buyer, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about  XXXX   XXXX ,  2017 , the consumer, pursuant t o 15 USC 1692 a 3, did re ceive a communication without the prior consent from GC Services Limited Partnership,  XXXX   XXXX , debt collector pursuant  to 15 USC 1692 a 6. There wa s no express written permission from a court of competent jurisdiction attached.     On  XXXX   XXXX ,  2017 , the consumer mailed the debt collector a notice of the violation of the Fair Debt Collection Practices Act subsecti on 1692 c, to one of two locations provided on the letter from GC Services Limited Partnership. Due to the violation, the consumer issued an invoice for damages in the amount of {$2000.00} pursuant to 15 USC 1692 k a 1. The debt collector was given 10 days to respond.      A final communication, dated  XXXX   XXXX ,  2017 , was mailed with an invoice for damages in the amount of {$2500.00}.     The consumer communicated with GC Services thru  debt collectors   XXXX   XXXX  and  XXXX   XXXX  by telephone on  XXXX   XXXX ,  2017 , at  XXXX   XXXX  central standard time. The consumer inquired and attempted to communicate with  XXXX   XXXX , debt c  ollector, whose name is on the original communication.
Compliance with federal law pursuant to 15 USC 1692 by the debtor w  as not achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.

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 2021-05-18
Company: ROBINHOOD MARKETS INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened a Robinhood account in 2020. I added money into the account and bought stocks. This past Thursday, my account vanished. When I tried to log into it, this text appeared : " Error.Unable to log in with credentials. '' I had a facial recognition feature on this app, so I found it strange. When I tried to contact Robinhood of fraudulent activities, there is no one to contact. The telephone number redirects you to a vague email address. I was stressed because Robinhood has all my information linked to my bank account. I find it incredulous there is no support if its a legitamate company. I had over XXXX shares of XXXX  cryptocurrency. I had invested in XXXX. XXXX. XXXX. XXXX  XXXX. XXXX. and a few others. Today someone tried to transfer {$2900.00}. then $ XXXX {$1000.00}. then {$100.00}. then {$10.00}. all within an hour. I happened to notice. All of this could have been avoided if Robinhood had a fraud department. I'm not tech savy. I work hard for my every dollar. I pay my bills. I'm asking with some help reinstating my account. I signed up for identity theft protection. I want my account found. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have  9 entries on my credit report for the same student loan with the U.S. DEPT OF ED - DI RECT. These loans were transferred to :  XXXX  several years ago. As of today  XXXX   XXXX   XXXX , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferred t o one company  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those 9 entries that are da ted as far back as far as  XXXX   XXXX   XXXX  on my report.       old compan y Creditor Contact Details U.S. DEPT OF ED  - DIRECT   XXXX   XXXX    XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Detail s US DEPT OF EDUCATION/GLE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WI  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have  XXXX  entries on my credit report for the same student loan with the  U.S. DEPT OF ED - DIRECT. These loans were transferred to :   XXXX   several years ago . As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferre d to one comp any  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT    XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Details  US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , WI   XXXX   (  XXXX  )   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have  XXXX  entries on my credit report for the same student loan with th e U.S. DEPT OF ED - DIRECT. These loans were transferred to :  XXXX  several years a go. As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferr ed to one co mpany  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (   XXXX   )  XXXX  transferred to : Creditor Contact Details US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , WI  XXXX  (  XXXX  )  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS EQUIFAX, XXXX XXXX DID NOT MODIFY OR REMOVED ANYTHING. 
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS. 
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY. 
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW XXXX, EQUIFAX, XXXX VIOLATED MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tell s me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( th e default ) however, they should have to report my payments and show that I am trying.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-04-26
Company: Fidelity National Financial, Inc
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX   XXXX   XXXX   who brokered a title insurance policy th rough Fidelity National Title Insurance  appointed by  XXXX   XXXX  Bank failed to provide clear title or inform me of title issues by the time I purchased my property  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX  brokered with a California division outside of NYS who have been unresponsive to my letter of inquiry . ( Fidelity National Title Insurance Company with the address o f  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  California  XXXX .  XXXX  failed in it 's fuduciary responsibility to be a neutral par ty ( Trustee or Beneficiary ) to   inform me of changes made to legal title and what appears to be a factious foreclosure or property abandonment whereby  XXXX   XXXX   XXXX . self assigned themselves to create a new mortgage lien in   XXXX   under the guise of a loan modification and awarded themselves over {$38000.00} of which no accounting has been presented to me. My property has a clouded title whereby it appears that  XXXX  entities  XXXX   XXXX   XXXX . has a lien and  XXXX   XXXX   XXXX  also had or has a lien and securitized interest in my property. I have had no dealings with either of them or anyone else and it was the trustee 's responsibility to do what was proper by me and in compliance with the SEC and tax laws. It appears that some other " unknown '' entities with judgments unrelated to me have been attached to my property in the  XXXX   XXXX  land and Court records by the law firm  XXXX  of which I have written a letter to the  XXXX   XXXX  Clerk  XXXX   XXXX  to correct and remove This complaint is in relation to previous complaints I have  made with CFPB on   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attached all the documents I hav e. Ocwen is not ac counting correctly. Also back in  XX/XX/XXXX , they claimed I had check returns ... .I have never in my life wrote them a check. I have auto-pay setup for the debit in the   XXXX   of the month. It 's up to them to retrieve these payments, this is how they had it set up. However,  four da ys later they continually would charge me a late fee of  XXXX . In   XXXX   XXXX  , they debited the funds on the  XXXX , and then charged me yet another late fee for the next 3 months.. and a returned check fee ... .Again I have never wrote a check to them. And I have never allowed a auto-payment to go through if the funds were not available. Also, back in  XXXX  I filed chapter  XXXX , and the courts paid what I was behind in, which was about  XXXX . This was during the transition from  Litton Loans to Ocwen, all those payments went to Litton, and Ocwen recharged me for them. When Ocwen came in to play, they put that amount back on, and I have   gone rounds with them for the last few years, and to avail. So I am seeking your assistance.   Also looking at my Payment History they have several times were it states that the payment was reversed ... .NEVER have they or I did a reverse payment. For the payment in   XXXX   XXXX   they claimed that a payment of  XXXX  was made, I NEVER paid that amount, never a partial payment, You will have to really look over all that I have submitted, they are doing me in. The statement are so confusing that I do n't understand them. However, I am always correct on how I do business. Also, I redid my mortgage and it was at a fixed rate of 2.00072 % as of   XXXX  , that was corrected to be 2.00 % in   XXXX   XXXX  . However, along the way in   XXXX   XXXX  , it changed to 4.00 % without any notice. Then   XXXX   XXXX   at 4.00 % my fixed payment was  XXXX ,   XXXX   XXXX   is changed to  XXXX  again without any notice.   XXXX   XXXX   still at 4.00 % ( 30 days later ) it changed to  XXXX  ... .and my balance is not going down much.   Looking at my Insurance activity, I 've always had Farmers insurance but  Ocwen  slapped their own company  ( American Security Group ) on  there when it was time to renew. They denied  Farmers  during that time. That started sometime in  XXXX , seems like they were following the dir t Litton was doing.    Please  Advise V/r    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-26
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am 77 years of age. My wife passed away in  XXXX . I attempted to assume and become the qualified surviving spouse of a reverse mortgage obtained by my late wife on our residential real property through Reverse Mortgage Solutio ns ( RMS ).   I w as told that in order to assume the reverse mortgage I would have to provide certain information and documents, including my marriage certificate, my wife 's death certifi  cate, my identification ( drivers license and social security card ), and a copy of the probate Court Order awarding the residence to me.
Although the Court hearing awarding me the proper  ty was held on  XXXX   XXXX ,  XXXX , the Court Order signed by the Judge, awarding me the property, was not signed or entered by the Court until  XXXX   XXXX ,  XXXX . When I  obtained the court Order and provided it to RMS, I was advised that it was too late and RMS had sc heduled the foreclosure sale of the property for  XXXX   XXXX ,  XXXX .     During my dealing  with RMS, none of their representatives ever advised me any deadlines to produce the documents. After being advised that we could appeal this decision, I had my attorney submit an " appeal '' letter, which we were later advised was a " waste of time '' inasmuch as RMS would not reverse its decision that I was ineligible due to missing the deadline to provide the documents mentioned above. My attorney as written a letter to RMS a nd  XXXX   XXXX   XXXX . to try to get relief before my house is sold on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company response to consumer: Closed with explanation