BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to loss of employment I was unable to pay my mortgage. I put the home up for sale in XX/XX/2017. We knew it needed to be a short sale because of the amount owed on the first mortgage and a huge second mortgage. A contract was received in XX/XX/2017. OCWEN has continued to play games for over 7 months stating they didn't receive the offer, then they lost our offer. We had a preliminary acceptance via email after 5 months but they needed an appraisal or BPO for final acceptance. The person that claimed to do the BPO NEVER entered the home as we have electronic records of entry and she valued the home the same as totally updated homes in the subdivision. We filed a complaint and have NEVER heard back. Repeated phone calls, emails, voice mails go unanswered! 

The buyer of 7 months walked away from the transaction! This is their way of trying to force me to foreclose and pay back the money. I'm XXXX years old and only have social security to live on and that barely puts food on my table. 

They still will not respond!!!!

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am not liable for the debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I requested copy of contract never received it. This account have been removed from my consumer report 2 times and keep coming back after you all advised them to delete account off my consumer 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, US DEPT ED account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX account # XXXX, has all 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 explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. These accounts has been reporting inaccurately.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2022-11-07
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:
In accordance with fair credit reporting act convergent accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I tried to contact the these creditors this month but got no response

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 2022-12-19
Company: EQUIFAX, INC.
State: DE
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX loans serviced by Mr. Cooper claim our hazard insurance and taxes = {$17000.00} for the year XXXX, when actually they = {$5900.00}. Our familys mortgage payment will more than double due to this error in less than two months! 

Detailed timeline and facts below and escrow analysis attached. 

XX/XX/XXXX I electronically deposited XXXX XXXX XXXX. refund of {$1500.00} in XXXX XXXX escrow account. 

XX/XX/XXXX I received written notice via XXXX from XXXX XXXX serviced by Mr. Cooper regarding new escrow analysis completed on XX/XX/XXXX, increasing my current mortgage payment another of {$1300.00} effective XX/XX/XXXX. 

XX/XX/XXXX Before XXXX. received and electronically deposited XXXX refund of {$1500.00} to my checking account. The check cleared in my bank after COB on XX/XX/XXXX. 

XX/XX/XXXX Mr. Cooper XXXX & XXXX. Department and I contacted XXXX XXXX via a 3-way phone call, requesting unused premium refund ASAP. They assured me they would mail it that day. Policy was canceled XX/XX/XXXX. 

Total mortgage payment increase after XXXX escrow analysis XX/XX/XXXX through XX/XX/XXXX = {$1500.00}! 

XX/XX/XXXX I contacted XXXX XXXX serviced by Mr. Cooper because the newest Hazard Ins. company ( XXXX ) overcharged us by {$5800.00}. We were unable to reach XXXX XXXX my phone, e-mail, or help portal on website. 

XX/XX/XXXX Mr. Cooper indicated escrow shortage of {$11000.00} increasing our mortgage payments from {$1000.00} in XX/XX/XXXX to {$2500.00} effective XX/XX/XXXX. 

The difference they will be overcharging us = {$11000.00} beginning in XXXX of this year! 

Total increase XXXX through XX/XX/XXXX = {$190.00}! 

XX/XX/XXXX mortgage increased another {$43.00} due to 2nd escrow analysis. 

XX/XX/XXXX mortgage increased {$150.00} due to XXXX XXXX XXXX. payment from escrow. 

XX/XX/XXXX & XX/XX/XXXX {$2800.00} XXXX XXXX XXXX annual premium paid through Mr. Cooper escrow account. 

XX/XX/XXXX & XX/XX/XXXX Annual hazard insurance paid and reimbursed {$3000.00} when XXXX went bankrupt. The insurance advance should have not be calculated in escrow analysis.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: OH
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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XX/XX/2XXXX 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 2022-10-13
Company: Westlake Services, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX, I bought a car from XXXX XXXX. I financed it through WEST LAKE Financial. 
I received a welcome call XX/XX/XXXX, saying im late. After paying my bill with my confirmation number. XXXX XXXX takes my while Im working. Both companies give me the run around while im carless and paid my bill. 
On XX/XX/2022 XXXX XXXX car dealerships in XXXX has me refinance with XXXXXXXX XXXX XXXX  to get my car back with a 17 % or i default my westlake loan. 
Im still seeing westlake on my credit report and westlake financial told me they took it off. It is on my credit report still.

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 2023-04-19
Company: MOHELA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MOHELA/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2017 an 90 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint is against Bank of America credit card department. I have tried multiple times to set auto pay and was told it was set. I have everything set this way and it is an easy thing to do for peace of mind. The app does not allow you to set auto pay. I am not sure why cause who would not want to make it easy for the consumer to give you money, and an app should allow you to make payments and check balances, but theirs does not. I have called to complain and was told via phone several months ago that my auto pay was set. I usually go in on my app and make extra payments and future payments too. So I never noticed that the auto pay is not set as I had thought. I was shocked to find a notification today that I am 5 days late. Why they tell you five days later who knows but I made the payment and noticed I was charged {$29.00} fee. I called to ask the fee to be waived and a one time forgiveness, and once again assistance to set up auto pay. It took me at least an hour because you have to go online desktop only to set and they told me the passcode is the same but it wasn't. So once again I have to call for assistance just to login. It should not be hard to make a payment. I am set for auto pay and extra payments to ensure it will not happen again and ask BOA to please waive fees and late pay history for this one time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
This is my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2021-01-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with Fifth Third bank beginning XX/XX/XXXX and I bought the home for {$89000.00}. The home was worth more than that so I had instant equity in the home but I still had to pay PMI. I was told that after I pay it down that I could get my PMI taken off and could just call in, but then I was told that I had to write a letter and I did while in the office with a loan officer at the XXXX XXXX location in XXXX, NC. I later got a letter that is need to pay it down to 70 % LTV or I could get it appraised but I stated that it was appraised by XXXX County and when I first moved in. I also faxed another letter when I paid down more but still got the same response. I no longer live there and have and sold the townhome in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I sent a principal payment only of {$13000.00} to loan care, lakeview loan servicing is the mortgage company. I have this problem every time i send in a principal payment, this is my second complaint to CFPB. The first resolve was to send the payment to a different address and that was to solve the problem, this did not solve the problem as the very next principal payment was split into 2 again {$11000.00} to principal and {$1500.00} for an additional payment although my normal payment was already made.I 've tried to reach out to the mortgage company and they never answer the phone as the recording states they are too busy, this has been going on for over 3 weeks.

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 2021-01-11
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:
I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # :XXXXXXXX. Creditor : XXXX XXXX Acct # : XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: NV
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$1000.00}.

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 explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-11
Company: NCB Management Services Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke to NCBI management on XX/XX/2021. Representative named XXXX transferred me to a gentlemen named XXXX. They stated " We are not required to provide proof of Debt ''. " There is no such thing as pay to delete or settle to delete '' " We are not required to notify you '' I have paid them {$550.00}, but after being educated I asked to validate the Debt. They refused and said it is my job to verify the debt, not theirs.

Company response to consumer: Closed with explanation