BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
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:
XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CBC Companies, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called Innovis to add a phone number to my credit report, but they told me I have to mail my request with documentation proving that I own the phone number ( i.e. a phone bill with my phone number, address, name, etc. on it ). This is practically impossible to do for prepaid phone plans which do not provide such bills containing the requested information. They also said a creditor can report a phone number to them, but only one creditor is reporting information to Innovis for me and they're not reporting a phone number. This all wouldn't be so much of a problem if Innovis didn't ask you to have a code sent to your phone number ( that's listed on your credit report ) each time you sign in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions 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:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from XXXX  showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my GAP insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however Experian and XXXX believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me to go XXXX and hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AL
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 checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX XXXX XXXX Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX  date : XX/XX/2022, Name : XXXX date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
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:
Try to fix with then but refuse to help But all fraud charges agains 6 month This item need to be removed from my credit report. 
This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX 2015 we recieved a call from an agent at XXXX - XXXX California advising that they are calling all existing lessors that are near expriration to participate in their early return and exchange program and to bring the car for inspection to qualify. I had a XXXX month lease and it will be up in about 5 months. That following week after we got the call, we decided to bring the car in and get it inspected to see if it would qualify into their early return and exchange program. We waited in the dealership while the car is being checked and several hours after that the agent came back and advised us that everything is good and the car was inspected and checked and it is qualified for the said program and that we can select another car or a totally different car and they will take care of terminating the existing lease and the remaining lease and terms. 
We had chosen to upgrade from a XXXX to an XXXX and they asked us to pay for the additional funds to get to the chosen car and we then went on to sign up for a new lease and this time for more monthly payment. We ere coming from a an almost double the monthly payment from $ XXXX monthly to {$680.00} monthly. We paid the additional required down payment, signed the new lease and we drove out with the XXXX. 
Four months later, we received a call from someone at XXXX XXXX advising us that we owe them over {$3000.00} for excess mileage. and we argued to them that we do not believe it so because the dealership did not adrress it then in XXXX 2015 when we exchanged the XXXX to the new XXXX into their so called early return and exchange program and their inspecttion should have addressed that before we even get lured into signing for a new lease. Had we known that then, we should not have gotten into their bait and switch and that they are misleading the consumers and come back to it after the fact and almost to a point of no recourse. 
Honestly, our original plan was to keep the XXXX hybrid lease because of low fuel consumption and we would have gotten it re-written to a purchase but because we were misled the other way, they had induced us to sign up for a lease that is from a {$390.00} to a {$680.00} monthly and they are asking us to pay {$3700.00} thru a collection agency - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ext XXXX as per letter recived from XXXX XXXX of this outfit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: AZ
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:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Collection Bureau of America Ltd.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had  XXXX   XXXX  owned by  XXXX   XXXX   XXXX  as a water delivery at my home in California. Over the course of several months, I was charged for extra bottles of water not delivered. I explained the situation multiple times to the route manager. They told me that they would get it addressed. Upon moving all the equipment was returned to them. Then I get a bill for almost  XXXX  I called and could not get anywhere. I filed a complaint with the CFPB and the matter suddenly was pulled from collections. I got a call from a  manager in California. They looked into the matter and credited the account and I paid the final bill of {$190.00} to them via a USPS money order. Now today, I get a not ice from a collection company telling me that I owe almost {$300.00} still. I immediately contacted the collection company via email and provided them all of the previous correspondence in disputing the matter. Then I get an alert they have reported this to my credit. I called the manager of California at  XXXX . He promised that he would get this handled and call me back. It 's been  three  weeks and no return phone call. I 've left several messages on his voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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:
I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I discovered a collection account from California Business Bureau recently. I knew nothing about this bill because they never contacted me before placing it on my credit, which by law, they are required to do. I immediately disputed it with all XXXX credit bureaus and they have 30 days to contact the original creditor to verify the account. They responded back in a week that they had done so and the account was indeed mine. However, I contacted the hospital office that they were supposed to and they assured me that they had NOT heard from California Business Bureau AT ALL. Which means they are committing fraud and violating the FCRA. I did research into California Business Bureau ( XXXX, XXXX, etc. ) and this is how they conduct their business on a daily basis. They regularly threaten people to make them pay bills, illegally take money out of people 's bank accounts, give people fake account numbers so they payments do n't credit, pretend to be linked to the State of California and exactly what they did to me, reporting a collection account to the credit bureaus without notifying the person and more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: ALLY FINANCIAL INC.
State: GA
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:
Ally FinancialXX/XX/2019 - Hard inquiry ( never authorized ) My credit has a fraud victim alert so I'm very unsure how this credit pull was authorized without my consent

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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  Accounts # 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

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 2022-04-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act MIDLAND FUNDING 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. 

Back in XXXX, and XXXX I sent Midland Funding a letters asking for validation for this Unknown account. through USPS XXXX mail service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Sentry Recovery and Collections, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I checked my credit report and I seen this account in collection for {$3200.00} for an old apartment My Ex boyfriend and I had together. When I turned in the keys to the apartment my ex boyfriend made payment arrangements with the office and the total owed was only {$2200.00}. I thought this was taken care of by my ex. I attempted to email the debt collector requesting verification my email was returned and it said it was undelivered and it was the correct email I got off from there website. However I was never contacted by this debt collector I was never given an opportunity to dispute or get verification of debit. I just want to avoid legal action because right on there website it says they will sue anybody if they do n't pay. As a consumer I know I have rights and I feel this debt collector is not following the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX and XXXX of 2014 we received a phone call from Ocwen Company stating that our house payment was due and we were late. Immediately, we explained to them that the payment was sent and received by them on XXXX XXXX, 2014. They said that their records did not show anything. Since we have proof from our XXXX bank account we immediately faxed the statement from the bank. The employees from Ocwen Company kept arguing with us that we had n't made the house payment. My husband and I kept sending information and proof for about 8 months to the Ocwen Company but they ALWAYS denied everything. My husband and I gave up and decided to pay them another payment of the full amount. We are 100 % disappointed of being part of the Ocwen Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Duncan Solutions, lnc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Parking ticket in City of XXXX on XX/XX/2016.The plate number XXXX is not in my name, I never own this plate number, for the last few years I do not have any car in my name, I did consign for this car or any other car, I conformed this with local office Secretary of State, to obtain an official report that will cost a lot of money and effort, I disputed this ticket with collection agent ( Professional Account Management ) few time. they asking me that either i pay the ticket which is not mine {$95.00}, or I provide them with an official report from the Secretary of State lasing Michigan which will cost a lot of money, so what mean I paid either way. It is their responsibility to prove that plate number in my name, not the other way around, I am willing to request an official request from the Secretary state of Michigan lasing office, but they should pay the cost of report if the this plate is not in my name or I am not a cosigner for this car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage statement for XX/XX/XXXX showed a balance of XXXX in my escrow account going forward into XX/XX/XXXX. I have always been at the required amount or ahead. My escrow payment is usually XXXX monthly. This month I received a statement on my bill informing me that they were increasing my monthly payment from XXXX to XXXX a month and then to expect another increase for next month to XXXX. It also implied that my new payment would now be XXXX for the remainder of the loan. That would be {$1100.00} per year more just for escrow fees ). The statement said that I would receive a letter explaining why the escrow shortfall occurred. I do not think the taxes and insurance changed that much. I have not yet received any letter explaining how the deficit occurred. The information on the letter also informed me to access assistance on the OCWEN web page but the link they provided is not working. www. ocwencustomers.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had XXXX mortgages : the first with OCWEN, the second with XXXX. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure ( DIL ), which OCWEN granted, provided I clear the lien with XXXX. 

On XX/XX/XXXX I was able to provide OCWEN with an acceptable Settlement Agreement from XXXX so that OCWEN could settle the second lien. That Settlement Agreement expires on XX/XX/XXXX. OCWEN sent me a DIL packet, which I returned on XX/XX/XXXX. On XX/XX/XXXX, I called OCWEN for a status update and was informed that my DIL application had already been denied ( as of XX/XX/XXXX ) because an entity in the chain of mortgage servicers, namely XXXX Mortgage, was out of business and presumably might still have an interest in the property. 

Upon digging through my document archives, I discovered that XXXX Mortgage had initiated a loan with me, which it transferred to GMAC Bank on XX/XX/XXXX. Per common knowledge, GMAC subsequently went out of business and OCWEN purchased its loans. So, the point here is that OCWEN had denied my application because it failed to recognize that XXXX Mortgage was a servicer on the very loan that OCWEN is now servicing! 

I provided OCWEN with supporting documentation on XX/XX/XXXX and informed OCWEN of the situation. Since my request had been denied, I had to wait for an OCWEN agent to be assigned back on to my request. I have reminded OCWEN multiple times that my Settlement Agreement with XXXX expires on XX/XX/XXXX. I have requested several times that OCWEN expedite this DIL. 

My Settlement Agreement with XXXX is about to expire and I do n't think that OCWEN is working in good faith on my request. In my most recent interaction with OCWEN on XX/XX/XXXX I was informed that I may have to extend my agreement with XXXX because no guarantees can be made about the speed at which OCWEN can operate.

Company response to consumer: Closed