BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: NC
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought the home in XXXX and paid our own taxes and insurance In XXXX Ocwen tried to foreclose on us for missed payments. However, we did not miss a payment. Ocwen was stealing half of our payments and claiming they paid our taxes and insurance from XXXX. We paid them out of our pocket and have receipts. So when they took half of our payments for fraudulent escrow taxes and insurance it set us up for foreclosure. XXXX was taken from our account between XXXX in fake escrow. Let me explain. 

I will attach our old spreadsheets from XXXX and the forged ones we just got in XXXX. Here are the dates where they tried replacing all the money stolen. Ready for this? 

They put all of these fake numbers showing refunded escrow trying to hide the theft. They made us foreclose and we had to pay the attornies XXXX and XXXX for modification. Look at the attachments of all these fake escrow repayments. Then they would charge a fake returned check to them to balance it out. It's evil to the core. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX All of these are fake numbers to hide the theft. I assure you! 


I want the world to read this. I have complained over and over and over. They have destroyed my mental state of mind. Every time I look at these forged spreadsheets I find more deceit. They almost took our home with their greed and now they are threatening to take it again with their greed. We cant take anymore. Someone, please help us. When we did have escrow Ocwen wouldn't pay the insurance on time so it would cancel. Then we got charged hazard insurance. Its all a sick twisted game to them. Look at the emails from the insurance agents. They hate Ocwen. Everyone does. Phh is just their scapegoat and a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX has not deleted these unknown inquiries-XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax has not deleted these unknown inquires, XXXX XXXX XXXXXXXX has not deleted these unknown inquires. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage in XX/XX/2022. My closing was delayed due to confirming insurance. Anyway I closed on the refi. I have just been notified that Rocket Mortgage never paid the insurance even though I was told that my escrow would pay the insurance due. Now my insurance premium increased due to a lap in coverage. I was not notified until the insurance was canceled and I feel like this whole process is very confusing to consumers who are being told that they do not need to worry about paying insurance or taxes since they are paying into an escrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased car from XXXX XXXX in XXXX, NH in XX/XX/XXXX. Dealer arranged for finance through TD auto finance. Vehicle was delivered to our home in XXXX. Now, in XX/XX/XXXX, we moved to XXXX from XXXX. To register our car in XXXX, the local MVC/DMV would need a filled title form from TD auto finance. We faxed the right form to TD auto finance several times during XXXX XXXX. To date, TD has NOT sent us the filled out form citing reasons that XXXX XXXX messed up/lost title or any lame reason. Now, we have an unregistered car sitting idle and not drivable due to the sheer ignorance and recklessness of TD auto finance. Our 50+ calls for the last year got us nowhere and we have been immensely stressed about this. There are several similar complaints against TD auto on various websites. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Absolute Resolutions Corp.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " ABSOLUTE RESOLUTIONS INV '' collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your ABSOLUTE RESOLUTIONS INV to try to settle this collections account several times. 

On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from ABSOLUTE RESOLUTIONS INV, because I was traveling to support family members with COVID-19 infections. 

On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( ABSOLUTE RESOLUTIONS INV ) entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. 

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from ABSOLUTE RESOLUTIONS INV. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. 

I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. ABSOLUTE RESOLUTIONS INV has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because ABSOLUTE RESOLUTIONS INV is abusing the Arizona Courts to harass and intimidate me. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Experian? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all XXXX Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


XXXXXXXX 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached to NATIONAL CREDIT SYSTEMS ( certified mail ) to request debt validation. I was sent an generic incomplete document. I responded back and asked for documents and contracts because the information sent was insufficient. They then sent me the SAME letter as 'proof. ' I sent another follow letter asking for the same criteria but they never responded. They never completed my debt validation request. They actually ignored my letter. NATIONAL CREDIT SYSTEMS violated my consumer rights and never validated the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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:
I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 2021-07-31
Company: Kentucky Higher Education Assistance Authority
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Good Afternoon, I am a single parent of XXXX. I graduated from XXXX XXXX XXXX  in XXXX NC, on XX/XX/XXXX, then XXXX to XXXX ; I took 11 classes at XXXX XXXX  now -- XXXX XXXX XXXX XXXX NC, I have never been able to pay student loans after stopping classwork in XXXX, In XXXX student loan billings started to form, I could not pay and informed to deferment payments in which I have done since XXXX XXXX with XXXX XXXX XXXX I have written and sent in hardship documentation yearly and after I could not pay XXXX XXXX sent my loans to collection agencies, the list is below : All of these was listed on Chapter XXXX BK. 
1.XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX, WA XXXX {$10000.00} and # 2.XXXX XXXX is a registered Business operating as a Debt Collection Agency - # 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX - {$5900.00} # 4. XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX {$10000.00} # 5 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX {$46000.00}, # 6. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, In the years,XXXX, A place called XXXX started sending me bills for SL. 
XXXX Bankruptcy case was entered with the above creditors listed and I was granted a special hardship XX/XX/XXXX, 4/5 years later another company XXXX, 5 years later now XXXX asking for {$94.00}, XXXX which has been granted with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Southwest Recovery Services, Inc.
State: TX
Product: Credit reporting 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:
Southwest Recovery Services is on my credit file report as an entity I owe. I have not consented to doing any business with them, ever. I have requested them to validate the debt they are claiming I owe them, and they refuse to do so, thus violating 15 USC 1681 ( b ). Southwest is willingly participating in inaccuracy reporting practices, and it needs to stop. The adverse reactions they have taken against me are fraudulent., and they have caused damages to my credit file. I do not consent to them making false report inquiries on my credit file. They also are in violation of 15 USC 1692 ( e ) by falsely posing to be an attorney when they are debt collectors. The harassment needs to stop effective immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear TransUnion, I am writing to notify you that your unlawful defamation of my character and reputation has caused significant harm to my personal and professional life. The false statements and implications you have made about me are not only damaging but also completely unfounded. 

Under the laws of Connecticut, it is unlawful to engage in defamation of another 's character and reputation. Defamation includes " any intentional false communication, either written or spoken, that harms a person 's reputation ; decreases the respect, regard, or confidence in which a person is held ; or induces disparaging, hostile, or disagreeable opinions or feelings against a person. '' Your statements and implications about me, specifically the inaccurate reporting on my credit report, are categorically false, and they represent a malicious attempt to harm my reputation. 

I demand that you immediately cease and desist your unlawful defamation of my character and reputation. I also demand that you remove any defamatory statements about me from any websites, social media platforms, or other forums under your control, and that you refrain from making any further false statements or implications about me. 

If you fail to comply with this cease and desist order, I will be forced to take further legal action against you. This may include seeking monetary damages for the harm you have caused to my reputation. 

This letter is not intended to be a complete or exhaustive statement of my rights, legal or otherwise, in connection with the above matter. I expressly reserve all rights and remedies available to me under the law. 

I look forward to your immediate attention to this serious matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2020-03-31
Company: Compass Recovery Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The company contacted me and left a message instructing me or my legal counsel to contact them immediately. I have not received any written correspondence about debt from this company, and they did not identify the phone call as an attempt to collect a debt. To my knowledge and according to my credit report as of XX/XX/2020 I do not owe any debt in collections or otherwise. The company, Compass Recovery Group, has a number of complaints on the XXXX XXXX XXXX detailing my exact scenario, with other people confirming they insinuated they'd be sued/imprisoned for not paying the unvalidated or already paid debt. They have also had people call consumers from an unlisted number, thus rendering it untraceable, to pretending to be process servers coming to serve papers at either their residence or job. Further, they have called me daily multiple times a day from various spoofed numbers from area codes in my state attempting to get me to call their ( XXXX number which is linked to an unverifiable location in XXXX, New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
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:
Experian is reporting an inaccurate credit score which has cost me the opportunity to obtain a hard money loan to buy my first real estate property to sell back on the open market. This has cost me the potential of making thousands of dollars. Seriously considering weighing my legal options if my credit report isnt investigated properly

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