BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To : Ocwen Loan Servicing, LLC / Complaint DepXXXX. 
Hello : Am behind on my mortgage and I was try make a payment but your staff said that since I was 89 days behind they could not take a payment, so I ask them where in the paper I sign did it say that, none of them could answer my question. Your Company Fill there mouth that are here to help, but thats not true. Instead you would rather see me go into foreclosure then trying to help me. I waiting for my XXXX hearing inXX/XX/XXXX, so am hanging in there trying to make my payments and all I get from Ocwen is we cant help you because we have a policy that after 89 days we cant take payments. But none of the people I talk to from your company couldnt show me were dose it say that on my papers that I sign. I feel that you are not acting in my best interest and really want to take my home away from me after 33yrs living there. It is really sad how your staff and your policy are forcing more people in foreclosure. But the good news is that am going to fight you all the way and get some legal help to see if I can sue Ocwen for there way they are acting about not take my payment after 89 days which is not in my contact of the papers I sign. I hope we can get this problem settle and avoid legal action against Ocwen for not disclosing information of there 89 days of not taking payments and then send your loan for Foreclosure. Here are the employee I spoke with Bage ID # XXXX, # XXXX and a person name XXXX that works with my Relationship Manager. I really Hope that we can take care of this problem and really see you trying to help me in times of trouble.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
State: WV
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:
I am existing customer with XXXX XXXX XXXX. I called and asked if they could give me 0 % balance transfer from a XXXX XXXX. They said I would need to apply for a new card. I did and was approved for Card # 2 for {$5000.00}. I called a week later to give them the account I wanted to pat off ( XXXX ). Then then told me they could waive the 3 % fee if I got yet another card ( # 3 ) They said they would blend the 2 new cards into one. Today, I received a notice that I was denied credit on Card # 3, my credit score was lowered 30  points, and if I had a problem I should contact Experian. Experian only has automated calls with 2 options : get a report or get a score. I called XXXX back and have been sent through 4 people. One told me I shouldnt have opened cards # 2 and # 3, which they  recommended. 
I want my credit restored.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Information on my report have not been permitted by me.

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 2017-06-27
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been 2 months behind on mortgage. I contacted Wells Fargo to see if we could have a loan modification. They told me that we did`nt qualify for one that we made enough where we did`nt need one. When filling out the paperwork they gave me i could not see anywhere where i would put what bills we pay, Gas, electric, Etc ... This has very frustrating because i`m trying to get help so we don`t get foreclosed but i can`t get any. XXXX XXXX 2017 is when i got the denial letter.

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 2018-05-17
Company: Early Warning Services, LLC
State: FL
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 already contacted XXXX XXXX and Early Warning a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn,  and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, everything has to be 100 % accurate on my Credit report. The credit bureaus stated my account was property investigation but now is That possible if the open date is inaccurate, the active inaccurate, and date last reported is not accurate.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A, states l 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 instruction. 
My complaint ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Red Cedar Services, Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I recieved an email that i was late on a payment. I didnt have sufficient funds in my account so no money was withdrawn. This was XX/XX/XXXX. My agreement was to have my account debited XX/XX/XXXX. Further investigation into company I found they are not licensed in the state of Washington. I have sent a total of 4 emails requesting a revocation of my authorization to withdraw funds and have requested an email stating  they intend to honor my request. I forwarded them a copy of the rcw regarding washington state laws regarding non licensed lenders. I have not recieved an email back stating their intent to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the  last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Welcome to Bank of America letter on XX/XX/XXXX, which included 2 account numbers ( savings and checking ) which I did not authorize the opening of. I called on XX/XX/XXXX and spoke to XXXX from the ID Fraud DepXXXX. He told me those accounts were known fraud accounts tied to a XXXX  XXXX SSN and linked to dozens of fraud cases over the past 18 months. He told me to disregard the letter and throw it away because there is no way that letter came from us. He said the return address was phony. 

I had another account opened in my name with a different bank ( XXXX ) on XX/XX/XXXX. I received a debit card for that one and also called on XX/XX/XXXX. XXXX immediately initiated a fraud investigation, asked me to file a police report and submit an affidavit. 

A week later, I received 2 letters from BofA dated XX/XX/XXXX, stating that the XXXX accounts were closed. Case # provided and phone # for the ID XXXXraud Alert/ XXXX XXXX XXXX ( the same dept I was directed to on XX/XX/XXXX ). 

Since then, I have received multiple bank account statements from Bank of America. I called them again on XX/XX/XXXX, and was told the # I called was for Risk Account Closure, and that these 2 accounts were closed and I would need to contact the Fraud dept at XXXX to initiate a claim/investigation. Then they tried transferring me, but the extension was incorrect so the line hung up. 

XXXX has also been involved and was very helpful in getting fraud alerts set up w/ XXXX credit reporting agencies and XXXX XXXX as well as with XXXX who was able to close the case and provide me with a letter explaining that I was not at fault. 

Im concerned that parties at BofA are attempting to do what XXXX XXXX was found guilty of years ago ; creating a bunch of accounts right at the end of the year to boost commissions ; or worse, that there really is a fraud going on with my name associated with it. 

Ive filed a police report with XXXX XXXX XXXX, and filed a complaint/affidavit with the FTC.

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 2020-02-14
Company: Experian Information Solutions Inc.
State: MD
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 hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.

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 2018-06-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2017 I placed an order at XXXX XXXX online for my daughters clothes. I never received the package and XXXX XXXX was supposed to credit my account ; since I never received or signed for the items I had to repurchase them. 

I have never been credited and they are expecting me to pay for items that I NEVER received. 
They call my phone at least 10 times a day from restricted numbers threatening me that they are taking further action and now they are calling my parents and my aunts and uncles home phones.

This is HARRASSMENT and I want it to stop!!!!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around XX/XX/XXXX, I opened a personal checking account at a Chase Bank branch located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Almost immediately after I opened the account, the account was somehow compromised and someone began making XXXX and later on, card transactions. Up until XX/XX/XXXX, I did not know my account was being used by someone else in a foreign country ( XXXX of all places ), as I used this account as a " surprise '' savings account. By surprise, I mean that I deposited as much money as I could without checking the balance. Chase also for some reason, NEVER sent me any monthly statements. I never used the debit card or purchased anything. I made only two cash withdrawals from my local branch totaling {$3400.00}, both on the same day, to pay for a large business expense, which my husband promptly refunded, and I then redeposited. I set up the online access when I initially opened the account, but never logged in, not even once over the last year or so ( which I understand is unusual to some, but the equivalent of throwing cash under the matress ). All of my deposits were made in person up until around XX/XX/XXXX when one of my new cleaning jobs decided he could only pay with " XXXX '' which I connected. Being that I keep secure digital copies of my debit cards with me, I set up the XXXX to receive deposits and continued depositing at my local branch. Finally On XX/XX/XXXX, I decided to check my savings. Initially I tried to log in using the username and password that I originally set up at the branch. Which did not work. I got my husband to come help. We recovered the username using the account number and my social security number, only to find out it had been changed to something different. When we tried to recover the password, the phone number was also different. I called Chase customer service and they asked me if I still had the same " international phone number '' to which I was baffled. Luckily the nice lady on the phone was able to change my phone number back to my cell phone number and we were able to reset the password and log in. Upon logging in, I was disheartened to find that my balance was {$4.00} and not the $ 15k or so that we were expecting. We were saddened to see page after page of XXXX and card transactions from someone using our account as theirs. Receiving XXXX deposits from god knows who, in addition to mine, and just living a luxury life of spending my money at restaurants, hotels, and other businesses. Also, this person had set up the Chase mobile app on their phone and remotely deposited fake checks of almost {$2200.00}, which of course bounced and charged the account. The pictures of the checks are on my deposit history and you can clearly see that they are not signed by me and are written in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a presentment from Ameri Collect about an alleged debt that was either purchased, obtained on-line not sure how they obtained it but I know for fact I never enter into any agreement or contract with said entity. I been asking for proper validation of said agreement ( as opposed to cheap copies of personal medical data which is violation of HIPAA but nowadays computer hacking is rampant ). I recently received correspondence XXXX that in one claim with an entity ( 24 collections that were being reported on my consumer credit report causing unlawful damage and suffering ) that they " requested '' the 3 major credit bureaus to remove after all time that has passed and affected my livelihood and well-being. Which is equivalent to admitting they made an error in reporting the 24 collections to the credit bureaus and yet gave no reason. Which by consumer law any error or false reporting of information can be fined up to {$1000.00} each not to mention jail time. I AM A CONSUMER WITH RIGHTS! Now in exchange to overlook taking legal matters I made the offer for said company to DELETE 2 other collections their reporting on my credit report ( mainly XXXX  ). Being a non-combatant sovereign I'm going through the proper chain of command and protocols before proceeding to follow up with litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation