BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A few years ago during divor ce, Ocwen o btained our mortgage and immediate took our payments from  XXXX  to  1300+. Since divorci ng I tried to modify b ut Ocwen declined. I then refinanced and rolled missed payments into loan. Ocwen raised payments again and I missed a couple mortgage payments due to loss of job. I then tried to semd the missed in and Again asked for a modification since they had raised the payment three times. I was again denied. We are s truggling but filed bankruptcy and are making their payments.  XXXX   2017  I received a letter from  Ocwen stat ing they were raising the escrow to  XXXX  starting  XXXX   XXXX   2017 . That will raise my payment  XXXX  more dollars. Yesterday I received another letter from Ocwen saying that as of  XXXX   XXXX  the escrow would now be going up to {$1000.00} raising the payment {$500.00}. THIS HAS GOT TO STOP. I know what my taxes are they are  XXXX  year the insurance on my house I have several quotes for none of them exceed {$1200.00}. So  Ocwen 's deman for a  XXXX  + escr ow a month is ridiculous!!! They are Crooks trying to take the property we work hard for. Only gone up  XXXX  in the past but my house payment has gone that  XXXX  in the pa st six y ears and now they 're trying to raise it another  XXXX  by next  XXXX   2017 . PLEASE HELP!!!   Please make them modify balance on home, repay some funds, go back down on payment . Seven  years ago my payment was  XXXX  by  XXXX   Ocwen w ant it now to be  XXXX . As you will see the principal and interest is  XXXX   XXXX  the escro w ( {$1000.00} ) is exceeding th e monthly payment and interest. Please stop them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander is reporting inaccurate late payments on my credit which are severely damaging my credit scores.     The original creditor for this debt was actually  XXXX   XXXX . It was opened on  XXXX / XXXX / XXXX  with a loan amount of {$29000.00} this debt was then acquired by Santander who has been servicing the account since then.     After the acquisition, the  Affordable Care Act  was implemented causing our  XXXX    XXXX   XXXX    income to be decimated. This unfortunately led to the situation where our vehicle was repossessed by Santander on  XXXX / XXXX / XXXX .     After the repo, we wrote the attached   Repo Letter at which point Santander disappeared and continued to report my loan account under Paid as agreed on my credit. We noticed that they were reporting an incorrect car payment of {$460.00} and an account number on my report that did not match my records so I also disputed this with the credit bureaus during that time.
This is when Santander   suddenly changed their status from paid as agreed to severely delinquent with no explanation as to why. When that reporting change occurred, my credit scores dropped over  XXXX  points which completely devastated my credit.     I called  Santander many times to dispute how they were reporting ( based on the fact they received {$10000.00} at auction ( + ) charged off {$12000.00} ( + ) pre-repo car payments we made of {$17000.00}, all totaling {$40000.00} ) however, despite already writing off and collecting this {$40000.00}, Santander claimed we owed another {$16000.00} which if that was accurate, they would be saying we contractually owed them {$57000.00} ( and as you can see by the attached doc labeled Original Sales Receipt, the total contract, with interest, was for {$44000.00} ) and interestingly if you were to add that {$40000.00} ( from what they wrote off and collected ), to the {$4000.00} weve paid them during our settlement agreement, that total equals {$44000.00} ( which exceeds the contract amount of {$44000.00} ).      Despite all this, in  XXXX , I decided to contact  Santander to settle the unresolved debt. After contacting Santanders Collections department and speaking with a Manager  named  XXXX  at ext.  XXXX , he agreed to settle the supposed {$16000.00} balance owed for {$6000.00} - the payments are $  XXXX  which Ive paid every month since  XXXX / XXXX / XXXX .     Their records will show that I have paid the agreed upon payments of {$150.00} every month since then without ever missing a payment. As a matter of fact, I have taken it upon myself to make payments before the scheduled due dates to show my resolve in getting this cleared off from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TOD AYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  I.C. SYSTEM INC.    Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I.C. SYSTEM INC.   I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX   XXXX   Telephone Consumer Protection Act Litigation, Case No.   XXXX  , in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE:  XXXX       XXXX   XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX  ADDRESS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  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 2022-09-30
Company: EQUIFAX, INC.
State: NC
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 had a hard inquiry on my credit report via Equifax from : Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX I tried contacting the insurer of the card which is XXXX  XXXX. 

They did not find any account opened from that but I would like the inquiry gone. 

They were unable to help with that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Agency claims my FTC theft report to be invalid. It is a federal document produce by identitytheft.gov and is very much valid according to federal law. However, I did revised it to be as co-operative as I can be.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 DEPT OF EDUCATIONXXXX  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 non-monetary relief
Consumer complaint received 2022-08-24
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 want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX Opened XX/XX/XXXX for {$630.00}, - XXXX Opened XX/XX/XXXX for {$210000.00} - XXXX  XXXX Opened XX/XX/XXXX for {$250.00} - XXXX  Opened XX/XX/XXXX for {$5100.00} - XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I currently have a car from XXXX with synchrony credit card company. I have an issue with the disclosing of information they have. I made a payment and they show that the payment posted and later they showed that there was a late fee for {$30.00} kept wondering why call them I said your payment history shows that the payment posted but Im being charged {$30.00} late fee wise that then they notify me that the payment had not posted I told them it was misleading for them to show the payment as posted if the payment has not gone through and that completely confuses me as a customer thinking that I wont be reported late because I am going based on their information that says that the payment posted so I feel that them disclosing dad its putting me as a consumer in a situation, where if I am unaware that the payment they reposted they are disclosing false information, giving me the full sense and then reporting me late Lucky for me. I was able to make the payment in cash the problem right away but this is a big deal because this company has engaged in situations where they dont either notify the customer. They post the inaccurate information and they need to have somebody review what they do so they

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 DEPT OF EDUCATIONXXXX 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
Company: LEXISNEXIS
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:
XX/XX/2021, I received confirmation letters stating their investigations were accurate XXXX, XXXX and XXXX requesting removal of XXXX. XXXX and XXXX XXXX Bankruptcies. I sent with dispute letter information from XXXX XXXX XXXX Georgia United States Bankruptcy Court stating, They do not report any Bankruptcies to Credit Agencies. If thats the case. How did the Credit bureaus edify my bankruptcy as 100 % accurate. 
They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States : 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 is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C. 1681 section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

Also, according to 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 numerous times. 
I havent given credit agencies written permission to furnish this information on my credit reports. These are grounds for removal or deletion of Bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation