BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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: Account information incorrect

Complaint:
I recently reviewed my credit report and I noticed there are several inconsistencies regarding the account ( XXXX XXXX XXXX XXXXXXXX ). In the balance ( HIGHEST BALANCE ) Section XXXX is reporting a highest balance of ( N/A ), XXXX is reporting a balance of ( {$470.00} ) and Experian is reporting a balance of ( N/A ). The inconsistencies on the account are not accurate, the accounts appear to be from the exact same creditor, yet all the provided data for the account is different. 
Another Discrepancy I found on the account ( XXXX XXXX XXXX XXXXXXXX ) in the ( PAYMENT HISTORY ) section, the date XX/XX/23 is listed as charge off on Experian, charge off on XXXX and there is no payment history listed or available at all on XXXX. 
Again, there are more inconsistencies on the account, and I ask that you remove this erroneous item from my credit report. 

Please thoroughly consider the evidence provided and remove the account as it is currently being reported inaccurately and in violation of the FCRA.

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 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent so many disputes orally by phone and written through the mail, yet these false alleged inquiries and collections remain on my consumer report! I am the natural person, original creditor, and federally protected consumer! The United States along with all of these corporations ( XXXX, XXXX, Transunion ) are in fact the debtors! Every single debt obligation or every single extension of credit is originated from my social security card ( Credit Card ) number! Without the consumer these corporations are just a dead entity! 
CREDIT IS LIFE. 
15 usc 1681a ( 2 ) ( B ) EXCLUSIONS of consumer report. 
EXCLUSIONS mean something shouldnt be included. 15 usc 1681a ( 2 ) ( B ) anything authorized from a credit card as defined under 15 usc 1602 ( L ) Congress says that any transaction that was authorized from a credit card should be EXCLUDED from your consumer report. 
So any transaction shouldnt be written or spoken about. 15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency! 
15 usc 1681 ( a ) ( 3 ) - consumer reporting agencies have assumed a VITAL role! Credit is life & debt is death! 
18 usc 8 : All debts are obligations of United States. 
Law comes from God. 
I know the law & I know scripture! I am free! Earthly Laws cant supersede divine laws!! 
WE WERE BORN WITH UNLIMITED OPEN END CREDIT PLAN. 
Im a lender not a borrower. 
I WILL BE PURSUING LITIGATION BECAUSE THIS HAS CAUSED SO MUCH FINANCIAL HARDSHIP TO MY MINOR CHILDREN AND I! I do not deserve this, and for it to even take this long for an investigation is wrong!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 XXXX XXXX added a fraudulent account that I do not recognize. Convinced me to pay a settlement when I later realized I do not own the debt. It is now currently being disputed I have not supplied proof under the doctrine of estoppel by science, XXXX XXXX, XXXX ( mo ) XXXX XXXX XXXX I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists Account is XXXX  and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-07-25
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: SC
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I mailed my mortgage payment check for my XXXX payment ( due by the XXXX ). On XX/XX/XXXX, I received a call from a XXXX XXXX XXXX  ( not PennyMac ). This made me call PennyMac. They demanded an over-the-phone payment and threated debt collector again, so I made my second mortgage payment for the month of XXXX. 
On XX/XX/XXXX, five days after permitting an e-payment, I made my XXXX mortgage payment. THEN, on XXXX, they CASHED the check I mailed on XX/XX/XXXX. Now they have been paid twice for XXXX, AND I have sent payment for XXXX ... which they could receive and cash very shortly. So I called PennyMac again. I spoke with an agent AT LENGTH, and they finally acquiesced to return my money. I requested that this be returned electronically so funds would be immediately available, especially since my XXXX mortgage check could be cashed at any moment. I was told that he " expedited '' the fund reimbursement and that I should have my money within 3-5 business days. 
On XXXX I call to follow up as I have not received an e-bursement, and I don't trust them. At this LONG call... .I finally get a supervisor, and discover that they MAILED a physical check that should be there in a few days. This is unacceptable, I need my money back before my other bills are due and they inevitably cash my XXXX check. Then I'm told that NOW I will have an e-bursement to my account in 24-48 hours, that they cancelled the physical check, and the same supervisor says he will call in 48 hours to verify that I have my money. 
XX/XX/XXXX : by XXXX, no call and no money..so I call them. After yet another lengthy phone call, it is discovered that the e-bursement was DENIED. Fortunately ( I hope ), they did not cancel the physical check. So ... at XXXX I did a mobile check deposit, that still hasn't cleared ( naturally ), so I'm now late on my mid-month bills... .IF the check does clear. 

Clearly they have a processing problem, as well as a customer communication issue. They held my money for XXXX WEEKS unethically. No one should have to work this hard to get their own money back when a mortgage company has made an error by creating lengthy processing of mortgage payments, then extorting money from the customer, then holding that money XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my home in XXXX of XXXX. I have maintained steady payment for taxes and insurance all since that time. Through all the outrageous insurance and property tax increases and taking care of my child as a single parent - I made my payments on a {$150000.00} home. However, this new increase from my Insurance/mortgage, I can not pay! My mortgage company ( Specialized Loan Servicing ), is saying I need to add an additional {$400.00} a month, to pay insurance and taxes. That adds up to {$900.00} per month- just for insurance and taxes - PER MONTH! So now, my monthly mortgage payment on a XXXX XXXX home, went from {$1400.00} to {$1800.00} PER MONTH! Per the Mortgage company, they estimate my taxes for XXXX @ {$3400.00}. I asked to have the taxes taken from my escrow and i will pay on my own. They told me, " to do that requires a decision by the board which will take 15 business days ''. My insurance went form {$200.00} to XXXX XXXX since XXXX. Never mind the fact that I take great care in maintaining good credit and making all my payments on time no missed or late payments in 10 years! I'm being penalized for maintaining a good payment record. I think Im being priced out of my home. Why is the state not assisting homeowners to stay in their homes? Helping homeowners to stay in their homes, creates a stable neighborhood, City , County, and ultimately, Country. I have tried looking for cheaper insurance. My broker says they can not find any cheaper Please help, homeowners are suffering. This is the only value I have ; I feel like Im being pushed out of my home, and Im on my own with not help. While everyone is grabbing at me for more money, more money which I dont have! Please find me help me find affordable home insurance.

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 2021-12-05
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I part took in the US BANKS forbearance program for about 12 months until I was no longer in financial hardship. I notified the bank and I was given the option to modify the loan which I have done so and I'm actively making payments since contractual signing. 

The issue that's occurring is my XXXX score is showing serious delinquency ( 60 days past due or greater ) derogatory indicator on my account. This is not accurate. I have made all payments in cooperation with the forbearance program, on time and current. 

I have called XXXX, XXXX, and XXXX. They all confirmed I do not have an account in this standing and were unable to help file a dispute. I have received hard copy credit reports to confirm. 

I also called USBank and they confirmed they are not reporting any negative marks on my credit. 

This issue has caused me to be denied credit lines recently and it dropped my XXXX score by about XXXX points. My credit report is at 18 % utilization and current, yet it's being damaged by this derogatory mark. If this is a result of the forbearance, my credit is protected under the cares act, and they are to report the account as current, not delinquent.

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 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX Mail # : 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 2022-10-06
Company: Spring Oaks Capital, LLC
State: TN
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:
SPRING OAKS CAPITAL LLC is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with SPRING OAKS CAPITAL LLC. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Spring Oaks Capital LLC to DELETE the negative item from my credit file, immediately. 

I received no response to my debt validation letter dated XX/XX/2022 ( XXXX XXXX Number # XXXX ) to SPRING OAKS CAPITAL LLC. SPRING OAKS CAPITAL LLC are not complying with the law 12 CFR Part 1006.42 which requires them to send required disclosures with their response. 

I demand for SPRING OAKS CAPITAL LLC to DELETE the negative item from my credit file, immediately. In my Debt Validation letter dated XX/XX/2022 ( ATTACHED ) I requested for SPRING OAKS CAPITAL LLC to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding SPRING OAKS CAPITAL LLC to abide by the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to not report the account so why dont you delete them now? I have forwarded my FTC report and now Im attaching the required FTC Report AGAIN for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXXXXXX

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2023 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}

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 2019-11-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX XXXX, am requesting another Escrow account Analysis after the loan is fully modified reflecting XXXX XXXX XXXX within the PHH Mortgage Companies and XXXX County Assessor Clerk. I am a XXXX veteran recieving compensation benefits and I need to claim Property Tax Exemption but I can't because the Title on file with Assessor Clerk is not matching the current loan modification of borrower which is me XXXX XXXX XXXX. Delay of the Loan Modification process in particular has caused me a hardship due to I am limited on my benefits I can claim/apply for within my county. I was recently told about my escrow analysis and the shortage, but was confused because it was done before the loan modification was fully finalized and the mail recieved ; I am still as C/O, and when I call I still have to give my late grandmothers sign in credentials, I am so confused as a veteran. I haven't been locked in the new loan terms for 54 days and I have been put in default of escrow shortage for 54 days confusing. I feel some of the monies during Ocwen and PHH merger has been a data input in error, causing a negative domino effect on the account before modification and during. 
A payment of XXXX was paid to the account # XXXX on XX/XX/XXXX???? 

-Requesting another Escrow Analysis, under new Loan Modification Terms. ( XX/XX/XXXX ) -Need Loan Modification finalized, reflecting XXXX XXXX XXXX , as of ( XX/XX/XXXX ) -Request for Name and Title Change. 
-Payment of XXXX where was monies applied too? 
-Detailed payment history dates from : XX/XX/XXXX to Present https : //rapidfunds.com/homeowners-keep-winning-against-phh-corporation/ " settledfor {$17.00} XXXX with both PHH and XXXX paying over alleged kickbacks for title services. PHH is a subsidiary of Ocwen, a publicly traded financial company that provides residential and commercial mortgage servicing and debt collection services. According to news reports about the first settlement, the agreement was reached with 49 state attorney generals and 45 state mortgage regulators for practices reached between XX/XX/XXXX to XX/XX/XXXX. Among the allegations stated in the lawsuit PHH *threatened homeowners with foreclosure, did not keep accurate documentation, did not apply payments accurately to certain borrowers, did not adequately process borrowers applications for loan modifications. PHH was also required to pay {$30.00} XXXX to homeowners who lost their homes in foreclosure. Eligible claimants are can applyhere. ''

Company response to consumer: Closed with explanation