BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have multiple fraudulent accounts opened in my name according to my credit report that I have absolutely no idea about. Below are the list of the fraudulent accounts in my name along with the dates opened and the outstanding balances on them. 
XXXX Accounts 1. Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] - Outstanding Balance : [ {$850.00} ] I have written a dispute letter that will be sent to the bureau agencys also

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not give you written instructions to furnish this account " XXXX XXXX XXXX '' on my report. you guys committed aggravated identity theft. I seen I had an inquiry from the company XXXX XXXX XXXX that you authorized a couple months ago. So you allowed this company to have access to my consumer file without my consent then furnished the report. You guys are violating 15 usc 1681 part of the fcra which you folllow.

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 2022-08-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to Transunion via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my Transunion credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.

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 2023-07-07
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: Account information incorrect

Complaint:
Experian failed to update the balance owed on a credit card, and continued to report an incorrect balance even after being notified several times by customer. Customer applied for an XXXX  loan from XXXX XXXX  XXXX at a favorable interest rate but was declined due to Experian 's failure to update the credit card balance. 

Experian last updated the balance the subject credit card from XXXX XXXX XXXX on XX/XX/2023 and reported a balance of {$7400.00}. In XXXX Customer paid the balance to below {$500.00}. However Experian unreasonably failed to update its records for this card from the period of XX/XX/XXXXXXXX XXXX XXXXXX/XX/2023. 

Customer attempted to file a dispute with Experian regarding this matter on or about XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/2023. However Experian 's online dispute system unreasonably rejected any dispute being filed regarding incorrect balances, stating that the account would only be updated when new information was received from XXXX. 

Customer contacted XXXX on or around XX/XX/2023, and XXXX stated it had submitted updated balance information to Experian on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: GMH Associates Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted my loan application with XXXX Mortgage. The loan officer, XXXX XXXX, quit her employment with them and started working at GMH Mortgage. She took my financial information without my knowledge and pulled my credit with GMH. When I was notified my credit had been pulled I called GMH and talked to the XXXX. He assured me the inquiry would be immediately taken off my credit so I told him I would not pursue further action. I just had my credit pulled from another company and the inquiry is still on my credit report. The information below is copied/paste from my credit report. She pulled my credit without any authorization or verbal approval from me to do so. Her XXXX. 

Account name XXXX Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Address identification number XXXX Comments Real Estate on behalf of GMH MORTGAGE SERVICES LL. This inquiry is scheduled to continue on record until XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NY
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.

Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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 currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or Del Law under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
FromXX/XX/XXXXtoXX/XX/XXXX I was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX  to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
From XX/XX/XXXX to XX/XX/XXXXI was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

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 2023-07-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL INQUIRIES ON THE REPORT.

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 2022-04-05
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a home construction loan through Zions Bank beginning XXXX of XXXX. It is now XX/XX/XXXX and after being strung along for more than 5 months and talking with several different people I still do not have a close date after receiving conditional approval over 2 months ago. One minute I was told it will be closed by end of XXXX, Then it went to the beginning of XXXX, Then I was told by the end of XXXX. It has been in Zion Banks underwriting department for well over 2.5 weeks and every time I call to find out what is going on I am told something different is causing the issue for the loan not to close. All the issues the bank keeps coming up should have been resolved during the beginning of the loan process before conditional approval. It is my belief that they are trying to string me along so they do not have to honor the locked interest rate of 3.125 %. I believe they are trying to let the rate lock expire so I have to pay a higher interest rate on the loan.

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 2023-10-02
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I cancelled my refi with XXXX within the 3 days, this was not disputed. however, XXXX sent the payoff anyway. The payoff was made on my house account ( with XXXX ) and then reversed within the same month. A month and a half later I get served with a lawsuit where XXXX is suing me for my house, saying I took their money, even though I still had the outstanding mortgage balance with XXXX. This has been going on for over 3 years and last week a judge granted XXXX a lein on my home. I need help, no one is following the rules here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I took out a HELOC in XXXX with GMAC and paid it off 15 years ago in XXXX at refinance settlement with XXXX XXXX XXXX  ( Please see attached Settlement Statement showing payoff with XXXX XXXX XXXX  as well as the paid-in-full letter from GMAC XXXX XXXX ) XXXX However, GMAC never released the XXXX. XXXX XXXX was a savings and loan association that was based in XXXX, California. The company underwent bankruptcy and was divided up between XXXX XXXX in XXXX, which in turn was acquired by XXXX XXXX in XXXX & Ocwen Loan Servicing which is now PHH Mortgage. 

We filed a CFPB complaint against XXXX XXXX ( Case number : XXXX ) In response to that complaint, XXXX XXXX has XXXX the following : The loan referenced was serviced by GMAC. GMAC was acquired by Ocwen Loan Servicing who is now PHH Mortgage. 
( The full response from XXXX XXXX is attached to this complaint - " XXXX response XXXX '' ) We have enclosed the HUD Settlement Statement, which confirms the payoff of the second mortgage was to GMAC. 
The attached Deed of Trust shows the lender as XXXX  XXXX XXXX XXXX XXXX ( XXXX  ), the nominee for GMAC. 

Based on the above information we received from XXXX XXXX, ( XXXX response XXXX ), we hereby demand action be taken by PHH Mortgage to provide a release of the XXXX lien in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This was previously reported to the FTC Report No. XXXX. I have not received an update. 
I learned on XX/XX/XXXX from EXPERIAN that XXXX XXXX has flagged my account as CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}. 
My letter to the director of finances of XXXX XXXX ( XX/XX/XXXX ) Formerly Loanpal 1. The Loan Closing Certificate dated XX/XX/XXXX, indicated that the Total Loan Amount was {$38000.00} 2. The Amortization Schedule of the First Year [ XXXX ] called for 12 payments of {$160.00} or {$2000.00}. 
3. The Amortization Schedule of the Second Year [ XXXX ] called for 5 payments of {$160.00} or {$840.00} plus 7 payments of {$240.00} or {$1600.00}. Thus, a total of {$2500.00} were paid. 
4. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX received {$1600.00}. 
This time was when the automatic withdrawals were stopped because, without previous warning, XXXX appeared on the scene. 
5. Thus, SINCE THE INCEPTION of the loan up to XX/XX/XXXX, XXXX XXXX XXXX was paid {$4500.00}. 
6. Further, the XXXX XXXX statement of XX/XX/XXXX gives the Outstanding Principal {$37000.00}. Yet, according to an Annual Amortization Schedule by XX/XX/XXXX, the end of the Second Year, the Outstanding Principal should be {$35000.00}. Thus, I request a copy of your amortization schedule. 
7. The attached checks for {$720.00} each to my letters of XX/XX/XXXX, and XX/XX/XXXX, were CASHED ON XX/XX/XXXX and XX/XX/XXXX. Thus, {$1.00}, XXXX are to be added to the {$4500.00} paid up by XX/XX/XXXX for a total of {$6300.00}. The Total Amount Due by XX/XX/XXXX, is {$7400.00}. Thus, the remaining amount to fulfill the Third Year Amortization is {$1100.00}. According to the Annual Amortization Schedule by XX/XX/XXXX, the end of the Third Year, the Outstanding Principal should be {$34000.00}. 
So, where is the reason for CHARGE-OFF on XX/XX/XXXX with a Balance of {$38000.00}?

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 2023-07-10
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: Reporting company used your report improperly

Complaint:
These accounts are reported inaccurate information on my credit that's not allowed by law everything has to be 100 % accurate XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct 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 2022-08-18
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, Loan Depot, sent us an updated escrow analysis with overinflated tax numbers. This has caused our mortgage payment to go up significantly. Theyre collecting twice the tax amount although weve continually told them that isnt correct and there seems to be no way for us to get that money back. Theyve failed to adjust to the correct amounts even though weve provided documentation on several occasions showing correct amounts. This has been going on for 2 months now. Whenever we call were pushed off and told it will take a few more weeks to analyze. Weve continually gotten a runaround from Loan Depot. Weve continuously asked for clarification and have gotten bounced back and forth between departments. All of this is on top of the fact that although we have a fixed rate that is 2 % lower than our previous mortgage company, our school and local taxes have not gone up, and we have no PMI since our refinance, our monthly mortgage payment is all of a sudden more than the original mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items in my credit report and it has been more than 30 days and I have not received any results.

Company response to consumer: Closed with explanation