BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
A sketchy letter was received on XX/XX/2021 that a debt collection company XXXX demands my mother to pay a debt amount of {$250.00} due to a company she does not own at all. No company name was given and my mom does not have any company. The website given was not secure and a complete scam. There was no clarification about the company my mother owned and their was no real address or phone number.

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 2021-02-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The issue is that the XXXX and I have requested over and over the payment history for the yearXX/XX/XXXXand they do not deliver the required documentation so that the gap company can pay, in the mean time they keep hitting me with late fees and calling me sometimes 2 to 3 times a day. They have also reported me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CORELOGIC 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: Reporting company used your report improperly

Complaint:
Fraudulent inquiry, illegal pull and use of credit report.XXXX reported that XXXXXXXX  pulled my credit back in XXXX. I did not apply for any credit with this company or give authorization to pull my credit. This was fraudulent activity which I promptly reported and requested deletion. To my surprise when I receive my credit report I see that XXXX inquiry and 3rd party information on my credit report. I want this fraudulent inquiry removed as well as supplemental 3rd party information removed. I also want to know how they got my SS # and information and where it come from. I want the written documentation it came from, digital files, or temples sources to file police reports and send to FTC. The email address the was previously provided is obviously not mine and a fake address. I demand all information related to this inquiry. I don't have accounts with XXXX which has already been verified and they where told to delete the fraudulent information off my report in a letter received. XXXX and XXXX should both be fined for there practices and fraudulent activity. Additional supporting documentation has been attached.

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 2021-12-15
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: Was not notified of investigation status or results

Complaint:
Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false

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 2017-01-17
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX XXXX i got papers to file for a loan motification, Ocwen approved iitthe motification. over the phone i called thier number and the automatied teller said my payment was now going to be XXXX and that my XXXX XXXX payment was being difered also i talked to 2 tellers who also told me my payment would be lowered and my XXXX payment was difered. i called again in XXXX XXXX to verify that i did not owe a payment for they month of XXXX XXXX i sent Ocwen XXXX in XXXX XXXX which is what my statement said i owed for that month i also sent XXXX in the same amout of XXXX in XXXX ocwen started sending me statements stating that i was 2 months behindon my payments. now they are saying i owe XXXX and i f i dont pay it to them they are going to put it up for short sale. the XXXX XXXX i recieved paperwork staing that my loan motification wasnt aproved this is the first i have heard that it was not approved. i have never been late on a payment or not payed a payment in the 10 years i have lived here.

Company response to consumer: Closed
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
date opened : XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
date opened : XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act 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

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 2020-01-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management has failed to provide requested documents to validate debt they are seeking. They have called my place of employment and sent letters citing pre legal notices and forwarding to attorney. In XX/XX/2019, I sent a certified letter via USPS for MCM to send documents to validate this debt however documents were not sent to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I continue to dispute the XXXX modification, field adjustments and another XXXX they think I owe. 
In XXXX I owed {$210000.00} + {$43000.00} + {$20000.00} = {$280000.00} balance due {$150000.00} to fleet. {$55000.00} to XXXX. {$360000.00} to XXXX = {$620000.00}. 
{$140000.00} to XXXX. {$50000.00} to XXXX. 
= {$180000.00} = {$130000.00} to XXXX XXXX + {$61000.00} forclosure sale and their Attorneys value of {$78000.00} = {$130000.00} Total paid since XXXX = {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they want MORE!? 

{$110000.00} taxes and insurance + {$44000.00} paid to credit cards - {$160000.00} + {$270000.00} balance = {$100000.00} more. 

{>= $1,000,000}. INTEREST in 17 years. 
At {$70000.00} per year this is over 25 % interest -if I pay off a {$270000.00} balance today ( I have n't even paid off the {$20000.00} from XXXX that I never refinanced ). 

XXXX XXXX XXXX released XXXX mortgages in XXXX XXXX released twice and XXXX released another loan for the second time. All of which were supposedly paid of off from the current mortgage they refuse to release. 
XXXX offered me a refinance in XXXX I did not accept or sign. I will attach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


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 2020-06-17
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just received an updated copy of my credit report and there are some HARD INQUIRIES that I do not recognize. 


XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Today, I received an email from a valid western union email id that I have made a money transfer from XXXX to XXXX. All the personal information given in the email is correct like my name, my email id. The postal address which is given in the email is the one where I used to live last year, also the phone number is my previous phone number. However, the credit card given in the email is not mine. So in summary, someone is using my personal information and his/her credit card to make a money transfer. 
I want to add here, that last year when I was living at the postal address mentioned in this email, I made a western union transfer, so what I am suspecting is that the personal information collected at that time is being used now to make this fraudulent transfer. 
Kindly investigate in this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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:
THIS IS THE THIRD TIME I HAVE TRIED THE EXPLAIN THEY DO NOTHAVE ANY SIGNATURES FOR THIS PEOPLE INQURIES PLESE REMOVE THEM.

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 2022-07-23
Company: Bread Financial Holdings, Inc.
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: Investigation took more than 30 days

Complaint:
XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX XXXXXXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XXXX XXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed to XXXX over 30 days ago and it is still on my report COMENITYXXXX XXXXXX/XX/XXXX This is inaccurate information that I disputed over 30 days ago with XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a Wells Fargo checking account for several years without any problem. Because I have been a victim of identity theft and people opening credit cards in my name and using it and because I was moving to another state, I sold my personal possessions on XXXX XXXX  to help finance my move home. I sold a personal possession of mine and she paid with a. Counterfeit check of {$3000.00} for me to mobile deposit. I obviously did not get the check and lost the item I was selling for nothing. When I tried to mobile deposit it at Wells Fargo, it accepted it, then processed it, then denied it. The bank automatically closed their business relationship with after being a loyal customer. Including locking me out of my checking account and credit card account that had money on it. When I filed a FTC affidavit and police report, they didnt help at all and still charged me insufficient fees. They continued to let recurring payments go through even though I had shut off transactions. When I tried to dispute transactions, they automatically denied them. They opened credit card accounts in my name and did not help at all when my id was stolen.

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 2020-04-18
Company: EQUIFAX, INC.
State: PA
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:
The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX  have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition  : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have not been trying to this dispute these items multiple times and been reaching out to all three bureaus and nobody has contacted me about why these items on my report are still here its been 60 days and nothing I need it to be removed I am trying buy a house and this has been affecting me tremendously

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 2021-12-15
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My card was paid in full and on autopay also not being used, I was charged XXXX late fees for {$40.00} which were reversed but they hit me for 30 and 60 day lates. I was not notified or had any communication from Barclays until after the late fees were charged, and was told it was a system error. My credit now shows the late payments which has affected my ability to refinance my home. I would like this removed from my credit report as I have no prior history of default or being late on any recurring credit lines.

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 2017-08-28
Company: EQUIFAX, INC.
State: NJ
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 was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Online security freeze is unavailable at all three of the major credit reporting agencies for at least the past three days. The specific issue encountered at each company are below.
TransUnion - " We are unable to process your request at this time. We appreciate your patience while we resolve this temporary issue '' ..occurs AFTER logging in and providing personal information XXXX - `` System Currently Unavailable - Error 500 '' or " We are currently unable to service your request.Please try again later. " ..occurs AFTER providing personal information and accepting terms of use XXXX - Page fails to load : XXXX XXXX XXXX Aside from the persistent errors above, the process to establish a security freeze at each company is clearly designed to discourage consumers from actually doing so. Every alternative option is presented prior to the security freeze and in many cases the company provides reasons to dissuade consumers from electing a freeze. They present freezes as a measure of last resort rather than a rational action.
Normally I 'm not one to advocate for regulation, but this industry is indifferent to the risk they pose to consumers.

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 2021-02-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Starting about XX/XX/XXXX Rushmore has commenced to calculate interest payment portion amount at a non daily siple imnterest loan ( XXXX ) contrary to Note Agreement. I have contacted servicer about this & they claim there using the amortization schedule instead to their advantage. This is their attempt to slow me down & continue to collect higher interest amounts. 
2. This mortgage is paid thru current next payment due date XX/XX/XXXX. 
3. Im attaching a letter from servicer stating the above as well a payment history showing starting XX/XX/XXXX how they are calculating interest at a NON daily simple interest ( XXXX ) method that is contrary to the Original Note Agreement dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

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 2022-07-23
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:
In accordance with the Fair Credit Reporting act 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

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