BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: Ocwen Financial Corporation
State: TX
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:
My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, XXXX of PHH Obudsman states that I disputed my XXXX  Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX. Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Bread Financial Holdings, Inc.
State: MA
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 explained it all in the previous box for what happened and how you are giving misinformation to companies about my XXXX personal credit that is absolutely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Falsifying information on my report : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX BANK XXXX A Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 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 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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:
The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as 100 percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. 

Experian XX/XX/2022 reported 90 Days Late, XXXX reported nothing, and XXXX nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 Experian without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. 

One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when XXXX or Experian does not report a " Last Activity '' and XXXX deleted the Entire account. 

Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, and Experian to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if XXXX reported " {$25000.00} '' and Experian reported " XXXX '' and XXXX Removed account. 

The Payment History is Incomplete rating with Years of positive payment history missing. 

Experian has changed the " CO '' date to XX/XX/2022 and XXXX reported " XXXX  '' 15 USC 1681a 2 ( B )

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 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!

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 2023-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1st : In XX/XX/XXXX, I was encouraged to move to bi-weekly payments for my mortgage following the online guidance by Citizens Bank. I had been paying via autodraft no problems to date. 

2nd : That month, an agent contacted me from Citizens stating they see that I changed the auto draft to bi-weekly, but they needed to take an extra month payment to be a month ahead of payment for the bi-weekly to work ( 1st problem- this was not clear online, and did not stop me from configuring ). I complied, and paid and told all setup. 

3rd : In XX/XX/XXXX I received a letter stating my mortgage payments were now in arrears and that I needed to settle ASAP and Citizens had informed the credit bureau 's of the delinquency of my accounts! 

4th : I immediately contact the bank, explained that something broke in their process, and settled the arrears. I requested that they check the auto draft bi-weekly was now correct, and they said no they can not do that until 2-3 days after the account is up to date. 

5th : I then called back, and was informed again, that sorry the bi-weekly can not be taken into affect, as needed to pay another 1 month in advance to have the account in a state that bi-weekly can take affect. I settled this and complained again, asking that they correct the mistake with the Credit Bureau agencies- they said they would. 

6th : Bi-weekly auto draft finally takes affect 4-5 months later, but from the wrong account. In their system I have the 'favorite ' account set, and they draw from another account I have as the 3rd option in the list. I call again, they say sorry they can not change the autodraft account themselves. They have to cancel the autodraft, wait 24 hours, then choose a new account to draw from, and turn back on autopay. Why do this when the payment account favorite is ALREADY set? 

My complaint : Putting aside the incompetency of the systems of Citizens, and clearly outsourcing the Mortgage loan servicing with separate systems and support staff, my main complaint is the lack of formal complaint handling procedure, and the negative affect on my credit score which was not my fault, and their slowness to act. The first agent told me they did not have a complaint procedure. The agent that did take my details said they would treat it as a priority case to be discussed, but I never received any correspondence except a letter that my bi-weekly was not setup. 

Lastly : This account was sold by XXXX to Citizens. When I asked, how do I close this account, or setup my first wire to pay my taxes, I was told I needed to physically visit a branch. There are NONE in Georgia!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This involves two significant issues with paypal : XXXX ) CELL PHONE REQUIRED TO LOG ON TO PAYPAL : Around the XXXX of XXXX they changed their logon policy so that you can only log on if you supply them with a mobile number and they text or call you with a code. As a result I can not access my account. I do not have a smart phone because I can't see it due to XXXX and this requirement is a violation of the XXXX and other consumer protections for people with XXXX. I spent over an hour finally getting through to a " supervisor '' in the XXXX who informed me that this is now their policy, despite statements on the website that you can change how they contact you. ( see attached screen print ) Without being able to get into the account, I can not change it. Clicking call me with a code goes nowhere. PLEASE UNDERSTAND THAT MANY COMPANIES ARE NOW REQUIRING CELL PHONES TO LOG ON, WHICH IS A SERIOUS VIOLATION THAT NEEDS TO BE FIXED BY LAW OR REGULATION. 

XXXX ) UNAUTHORIZED CHARGES TO BANK ACCOUNT ON MULTIPLE OCCASIONS : In early XXXX I signed up for a trial account through XXXX using a credit card through paypal, which I cancelled 3 times before the end of the trial period. Despite this, in the middle of the night on XX/XX/XXXX, Paypal charged me a membership fee through my personal bank account, NOT the credit card on file. This was completely unauthorized. I contacted XXXX, who immediately acknowledged their error and reversed the charges and paypal, which filed a case - acknowledging a day later that XXXX had cancelled the charge. I also removed my checking account from ancestry but kept a savings account used for charity attached to paypal. On XX/XX/XXXX, Paypal repeatedly tried to take money out of this savings account, resulting in overdraft charges. My bank reversed this and I contacted paypal again. On XX/XX/XXXX, paypal once again tried to charge this savings account for the cancelled ancestry charge, resulting in more overdraft fees. My bank has reversed charges and blocked paypal withdrawals for 6 months, but can't do a permanent block. Paypal claims they are trying to retrieve money they advanced for the XXXX charge, even though the charge was cancelled and they were paid back by ancestry. In no case were they authorized to withdraw money from this or any other bank account. 

I need to know that this will NEVER happen again and they will NEVER switch from a credit card to bank accounts for charges. There was absolutely no reason not to charge the credit card. It is also unclear if my account is still open as I have no way to access it. This needs to be dealt with as both a credit violation and a XXXX violation and something done quickly as not allowing people into their accounts with providing a code texted to a cell phone is now an industry trend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When I received my Annual Escrow Account Disclosure Statement, I discovered that my Hazard Insurance and my City Taxes had increase, which totaled approximately {$900.00}. This obviously meant that my monthly escrow payment would increase. In reviewing the statement closer, I also discovered that my hazard insurance had been paid twice during XXXX fiscal year, essentially eating up my entire escrow and taking me into the red. 

Further, I have been told by several representatives that my hazard insurance was {$800.00} last year and essentially that amount was what was slated to paid. My hazard insurance payment has never been less than {$1000.00} since XX/XX/XXXX. In XX/XX/XXXX, prior to the last years yearly analysis, the amount of the insurance increased to {$1700.00}. When I asked why there was only {$800.00} slated for my insurance, I was told because that was how much the bill was last year. Clearly, it was not ( please see attached ). These errors have cause a {$400.00} mortgage increase, as I have arrearages, as well as an additional cost to cover the increase in my taxes and insurance. 

After attempting to get to the bottom of this issue and come up with a resolution ( as I can not afford a {$400.00} mortgage increase ). I reached to Huntington Bank on XXXX occasions between XX/XX/XXXX and XX/XX/XXXX : XX/XX/XXXX ( this date is approximate ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Eventually, I was told I needed to speak to the Escrow Escalation department and was transferred. I left a messages on XX/XX/XXXX and XX/XX/XXXX because when I was transferred the call went straight to voicemail on both occasions. I left my name, contact information, and loan number the first time and then added the property address the second time. I have yet to receive a return call. Clearly, the individuals handing my escrow account fail to pay attention to basic billing and I should not have to pay the consequences of someone elses foul up. My payment was due on the XX/XX/XXXX and the longer this issue lingers on, the more likely I am to be late on my mortgage payment, which I never have. I also think its unfair that my credit has been affected as the arrearage was added to my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written 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 2023-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing to bring to your attention the continued violation of the Fair Credit Reporting Act ( FCRA ) with regards to my consumer file. I have made several requests to have inaccurate, unverifiable, and invalidated information removed from my credit report, but to no avail. As a result, I am now pursuing litigation to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617 of the FCRA. 

Please note that your agency is in direct violation of the FCRA, as unverified items listed on my credit report still remain, which is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. Despite my requests, you have not provided me with any original documentation or provided the method of verification as required under Section 611 ( a ) ( 7 ). 

Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' However, it appears that your agency is disregarding the FCRA and has failed to comply with the law. 

I demand that the following inaccurate, unverifiable, and invalidated items be deleted immediately from my credit report : The following personal information is incorrect : Date of birth : XXXX The following personal information is incorrect : Previous address : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not reporting 100 % accurate information. It lists the bankruptcy court as the furnisher, which is misleading and forgery. The court does not report this type of account. 
XXXX  XXXXXXXX Bankruptcy Case Number : XXXX I did not consent to an unauthorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX I did not consent to an unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Account involved in litigation with " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge off listed as open, and a collection account with a limit. Your improper practices have resulted in inaccurate information on my credit report. 
XXXX Account Number : XXXX I urge you to take immediate action to correct the above errors to avoid litigation. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission, and the items listed above will be used as evidence in pending litigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: TX
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:
Ive disputed with the original creditor XXXX XXXX  XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks

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 2021-05-21
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
LexisNexis report it to my insurance agency XXXX XXXX that I had an accident the accident was my husband 's I have not had an accident in over 30 years and the XXXX confirm this I had to change insurance companies because XXXX XXXX would not recognize this now when I tried XXXX XXXX the same information is coming up when I tried to address this issue with LexisNexis they say my file is they say they can not locate my file I have copies of everything they sent me and the bad information that they are putting out when I asked for a copy of that they continuously say that they do not have me on file this is the second time I've tried to address this issue and they will not change the report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft

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 2021-06-08
Company: Experian Information Solutions 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:
Experian is reporting a collection account from XXXX of {$460.00}. The address and Ssn linked to this account does not belong to me. Please have them remove it.

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 2023-06-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
A check was sent to TD BANK N.A. Processing center in Maine. The check was sent from the PRIVATE side of the bank account ( look up definition of closed account blacks law dictionary ). 

The paper check was sent as an E.F.T ( ELECTRONIC FUNDS TRANSFER ) not as a Deposit which means the credits transfer on the spot. ( Look up Title 15 7001-7003 of the ELECTRONIC SIGNATURE ACT ) everything is Legal!! 

So TD BANK N.A. Executed the E.F.T for {$350000.00} on XX/XX/2021 which was the full amount due on mortgage. TD BANK N.A. Then put the {$350000.00} of credits into what is known as an UNAPPLIED FUNDS ACCOUNT. ( Look up definition of UNAPPLIED FUNDS ACCOUNT ). 

4 days after putting {$350000.00} into the UNAPPLIED FUNDS ACCOUNT TD BANK N.A. APPLIED THOSE FUNDS but NOT to the LOAN. 

Where did the {$350000.00} go??? It just disappeared!!! Without a trace. 

On XX/XX/XXXX we received a letter from the Insurance company for the home insurance Saying that the coverage has ended because TD BANK N.A. told them the LOAN WAS PAID IN FULL. I have all the Evidence and documentation for everything!!! 


Dates, times, amounts, letters, paperwork etc. I have it all that TD BANK N.A has committed BANK FRAUD. WIRE FRAUD. EMBEZZLEMENT among other things. And lying about the ORIGINAL NOTE they say they have in there possession!!! They Do Not!! 


TD BANK N. A. Sold the ORIGINAL NOTE the second the MORTGAGE was signed. 



This needs to end. The MORTGAGE is DISCHARGED in Full. And they need to be held accountable for there actions. 


When you need all the EVIDENCE in this case I have everything!!! Every payment, date, account, amount, I have it all.

Company response to consumer: Closed with explanation