BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX ( the owners ) regarding their mortgage on XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The house has been sold, and XXXX XXXX XXXX, XXXX. was the attorney who handled the closing at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Prior to closing, a payoff letter was requested from the lender by the attorney and the owners on XX/XX/2022 at XXXX XXXX ( the servicer, XXXX XXXX, for PHH Mortgage Services, sent this letter for account number XXXX ). The attorney received the payoff letter on XX/XX/2022 and closed the transaction on XX/XX/2022. After closing, the attorney sent the certified funds for payoff to PHH Mortgage Services with an additional six days of interest to cover any additional time past the payoff date. 
The following week, the check had not been cashed and the attorney asked that we check in with the lender. XXXX called the lender, and the lender indicated the payoff was short {$950.00} due to the fact that the lender had sent an escrow payment to XXXX XXXX XXXX on XX/XX/2022 ( the day after settlement ). XXXX was instructed to wire funds to make up the difference which he initiated with XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. This was approved by XXXX XXXX XXXX 
A week later, the funds were sent back to XXXX, and the certified payoff funds check was sent back to the attorneys office. The attorney followed the instructions again, asking for a new payoff letter and has not received anything to date. XXXX and I ( his Realtor ) called XXXX XXXX at XXXX XXXX today ( XX/XX/2022 ), and waited on hold for three minutes, and then were disconnected after the phone was answered. We called back at XXXX XXXX  and had a 14 minute conversation with XXXX ( XXXX ) who is requesting another payoff letter through XXXX XXXX escalation team. 
A few things need to change within XXXX XXXX PHH Mortgage Services regarding their internal process for handling payoff requests. They may want to consider the best practices of other lenders that do this without issue. For starters, their system should recognize if an escrow payment is being sent within seven days of an expected payoff, forcing it to be kicked out for manual review. Had this happened, the tax payment would not have been sent causing a negative balance. 
These errors have now caused delinquency on both XXXX and XXXX credit reports, which should be removed due to the issues during this payoff. Additional late fees and interest should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-12
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX home mortgage. I signed on with a company called Paymap ( Accelerated payment program ) in XXXX or XXXX. I paid this company {$9.00} a month to accelerate my XXXX payment by making additional payments towards my principal. 

In XX/XX/XXXX I noticed the name had changed on my online statement from Paymap Inc. to EARN UP. 
Earn up was taking out {$1100.00} every 2 weeks ( where as Paymap was taking out {$980.00} every 2 weeks ). I called to inquire why an increase from {$1900.00} a month to {$2200.00} ( an increase of {$320.00} a month ). 
Earn up said they acquired Paymap on XX/XX/XXXX and they weren't removing enough . 
I cancelled the EARN up service and was refunded money due to me. 
My question is how to contact Paymap ( Payment equity accelerated ) to be refunded for the {$9.00} a month they charged me without providing the service i was paying for for years? 
According to the XXXX representative he said Paymap added XXXX cents on to my payment. 
The agreement was they would be adding enough on to my monthly mortgage payment to be equivalent to 13 payments being made instead of 12. Thank you, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: AZ
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:
I am beyond worried about my consumer report. This month it has been targeted by numerous fraudulent attempts to open unknown accounts. Please I ask to place a FREEZE on my credit report. I dont want to place a fraud alert because Im in the process of buying a home and dont want to affect me. Please delete this as soon as possible as it is affecting me financially. 
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 XXXXXX/XX/XXXX ) I am not liable for this inquiries nor recognize them please remove immediately and place a freeze on my account if possible.

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 2023-07-23
Company: Chime Financial Inc
State: FL
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:
Chime bank denied putting stop Payments on my checking accounts however XXXX XXXX XXXX  two account. XXXX. XXXX, afirm  all account I paid with my routing and account number all instructions when I happen to go in and check all said same thing that the bank stopped payment this happened towards end of XXXX  thru XXXX I spent 7-8 weeks trying to handle this chime wouldnt help me because they have no records XXXX  XXXX XXXX  was the worst inly  would speak to me twice after that repeatedly hung up on me without ever speaking to me till this day I submitted in the only thing I could was my bank statement which shows money was there and that there is no record if return payment in the interim if doing this XXXX  canceled my card and XXXX  XXXX cancel one card so far both saying for multiple canceled payments which were two maybe three which again account information proves no payment submitted there was sufficient funds so now my balances have all gone up by at least {$100.00} and two cards closed and late reports to credit report and the dispute do nothing!! This isnt my fault I payed on time and if you look at my history multiple times a month so mot late either But I cant get anyplace the bank says the have nothing else to give me the cards dont care and I stuck in the middle with bills going up and up and up and credit score down down down cards closed!!! Mine which is my fault!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: GA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Filed out a FTC Report, For inquires That don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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. 

I told the Transunion to reinvestigate these accounts : 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
To who it may concern : i am reporting a Wrong address address that is being used to Commit fraud i do not live at [ XXXX XXXX XXXX XXXX XXXX ca XXXX ] and it is connected to accounts on my Consumer profile that is Fraudulent ive attached my ID and and bank statements from Previous years from current

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 2023-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 U.S. Code $ 1681c-2 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 this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-07-22
Company: Experian Information Solutions Inc.
State: MD
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. 

1.Account Name : XXXXXXXX XXXX # XXXX 2. Account Name : XXXX. XXXX XXXX # XXXX 3.Account Name : XXXX XXXXXXXX # XXXX 4. Account Name : XXXX XXXXXXXX XXXX # XXXX 5. Account Name : XXXX XXXX XXXX XXXX # XXXX 6. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 7. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 8. Account Name : XXXX # XXXX 9.Account Name : XXXX XXXX XXXX XXXX XXXX 10. Account Name : XXXX XXXX XXXX XXXX XXXX 11.Account Name : XXXX XXXX XXXX XXXX XXXX 12.Account Name : XXXX XXXX XXXX XXXX XXXX 13. Account Name : XXXX XXXX XXXX XXXX XXXX 15.Account Name : XXXX XXXX XXXX XXXX XXXX 16.Account Name : XXXX XXXX XXXX  # XXXX 17.Account Name : XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A : States that I have right to privacy. 

15 U.S.C 1681 Section 604 A Section A section 2 : States a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681 s-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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 und

er 15 USC 1681. 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 con
sumer 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 2022-03-29
Company: NCD Financial, LLC
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: Public record information inaccurate

Complaint:
I been watching my credit report and my score inaccurate because my fico score showing XXXX XXXX but every site I got to credit karma or anybody its a lower score. And a bankruptcy is on my credit not suppose to be there at all.My XXXX not showing no Bankruptcy at all but XXXX and XXXX showing it with different inaccuracies information Im not familiar with and do not know of. I even have hard inquiries I did not do. Someone has stole my information a few years ago. And I file a police report and Im still going through a lot with some credit bureaus lying on me and showing inaccurate credit report. All three credit bureaus trying to ruined my life. I cant get anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: U.S. BANCORP
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was forced into bankruptcy in 2017 due to my daughters serious medical condition. US bank refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted US Bank numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at US Bank will discuss or address my issue.

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 2023-03-12
Company: EQUIFAX, INC.
State: PA
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 checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.

Company response to consumer: Closed with explanation