BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: MS
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:
Disputed XXXX reported account information because account details info reported was incomplete and inaccurate account information. I dispute the with Experian regarding this furnisher XXXX. EXPERIAN FAIL to updated or delete the inaccurate and incomplete reported account information. Experian fail to investigate XXXX from the Disputed date conclusion XX/XX/XXXX,,, 2023. They continue to say furnisher updated this account yet nothing changes.

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 2017-03-29
Company: Chaplain Financial Services LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I keep getting calls from a XXXX at Chaplain Financial Services. Says I have committed fraud, but he ca n't tell me who the original creditor is. I have not received any mail from the creditor ( even though he says he has verified that I have received mail from them by contacting the Post Office ) He calls my work several times a day even though I have asked him not to. He has contacted my XXXX year old mother and my minor children several times a day. He tells them that I have committed fraud and that he is sending authorities to my place of business and home. I have called him and asked him several times to stop calling my work, and my family and to please send me any and all documentation of who and what I owe. I really have no idea who I could possibly owe. He also calls from several different phone # 's. The one he 's called from today is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-09-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
had 2 loans with wells fargo in XXXX, they had me make payments XXXX XXXX - then they said they never received the payments. they started foreclosure on my home and I secured a lawyer. eventually they said they would refinance with another company and I could start making payments again. which I did for several years and then wanted to refinance my loan and paid a appraisal fee just to find out some other company real time solutions has a interest or deed on my home so i couldn't refinance. Real time solutions wouldnt work with me to finance it all into one loan. they wanted me to pay a new balance which was like XXXX loan started at XXXX so now real time solutions bought my 2 nd mortgage for pennies on the dollar and is just waiting till I build enough value in home to take over my home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was approved for a loan modification ( HAMP ) by OCwen loan servicing. I paid the 3 month trial payments on time and was told I would get a permanent modification. I signed and returned the paperwork on time. I was told they needed the paperwork again. The first time I questioned this, they said I had not dated the paperwork. I told them my copy was dated, so their copy had to be dated. then they said the dates did n't match the notary date. I sent the paperwork again. They are not making the modification permanent and in the meantime they are still reporting me to my credit report as delinquent. I am still getting collection calls and paperwork in the mail. I was making my mortgage payment through their online payment option. They have now disabled that option for me. The last payment I made over the phone for a fee. I ca n't refinance with another company because I am still delinquent, even though I am not. I do n't know how to get them to make the modification permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After reviewing my credit report I have found an collection account listed as NCC BUISNESS SERVICES collections with the account number XXXX in the amount of {$1400.00} of which I was not aware of. I have never had any business dealings or communication with this company so there is no reason for them to be reporting an unpaid collection on my report.I did not receive any correspondence from this creditor prior to the posting of this collection on my credit report, in fact I just received a letter from XXXX dated XXXX XXXX, 2017 giving me 30 days to respond and rectify this account. Well as you can guess it has not been the allotted 30 days for me to respond and it already has been posted to my credit report. So, they should not have posted this account to my report for the reason of not giving me adequate notification to respond to the debt.

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 2023-09-06
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
We requested a loan modification in XXXX. The documents sent were not adequately set up with my in-laws, who are the cosigners having their documents marked for a Florida Notary . We have called multiple times, and LOAN CARE has failed to make the proper adjustments. Due to all of the issues, we have also requested that the modification be amended to cover the additional months. We have done all that we can to be in touch with LOANCARE. When we refinanced the mortgage through LOANCARE, they sent a notary out to us and then overnighted the documents to a notary in Florida ; we have suggested this approach multiple times. 

We DO NOT WANT TO LOOSE OUR HOME. Because of the mistakes and lack of communication from LOANCARE my inlaws have had their credit impacted. We are also working with XXXX to get a grant.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a recent copy of my transunion credit report. I noticed 6 unknown & unauthorized inquiries on my report from creditors I've never heard of. I reached out to Transunion to remove these inaccurate inquiries and was told i needed to contact the creditors and that they ( the creditors ) are the only one 's who could remove them. Even if that were true, which it is not, I don't even have any contact info for the companies & it's not my job to prove them wrong but there job to make sure the information they report is right & accurate. I have no accounts with any of the creditors listed.

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 2023-09-12
Company: EQUIFAX, INC.
State: IN
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:
Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXX XXXXXXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness. 

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7.

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ). 

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well. 

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice.

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed.

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NY
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:
I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: National Credit Systems,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: Problem with personal statement of dispute

Complaint:
To whom it may concern, My daughter had to have XXXX XXXX XXXXXX/XX/XXXX at the time we lived at XXXX XXXXXXXX XXXX I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. 
My daughter could not XXXX  XXXX XXXX XXXX XXXX XXXX the office knew this at the time of move in this was coming. 
XXXX XXXX is a friend of mine and he knows my daughter went through this as well. 
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. 
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. 
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. 
please help me resolve this or at least direction. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America is in default as of right now ; FAILURE TO SHOW VALIDATION OF ALLEGED DEBT FAILURE TO SHOW VALID CURRENT LAWFUL CONTRACT USING PERSONAL AND PRIVATE INFORMATION WITHOUT MY CONSENT, 2ND DEGREE FELONY Florida Statute XXXX, numerous legal notices, and notifications ignored, VIOLATION OF COMMON LAW COPYRIGHT, COPYRIGHT INFRINGEMENT PUNATIVE + ATTORNEYS FEES@XXXX PER HOURLY RATE X 46 HOURS total is {$770000.00} Bank of America has failed to rebut ANYTHING I have claimed, therefore they acquiese in tacit procurement and I am starting administrative process for a non-judicial process known as a commercial lien for damages and violations they have committed

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 2023-07-14
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I attempted to deposit my paycheck from my employer via the Deposit Mobile option as I had since XX/XX/XXXX every two weeks ( given USAA does not have any physical locations ). At that point, USAA held {$1000.00} of it without any explanation as to why I thus called in the following day on XX/XX/XXXX and spoke with a customer service rep, who informed me that, due to an overdraft on or about XXXX XXXX, the hold was imposed by their " system. '' Being that I could only remember one other overdraft ever occurring during my XXXX membership, I explained that this was a completely isolated incident and he agreed. He then attempted to override the hold and said that their " system '' would not allow it. I confronted him on this in asking if computers ran the bank or they did before escalating to a gentleman with employee # XXXX. He fed me the same line of bs unfortunately before I asked to escalate this to the top. 

A very uptight and crass XXXX with the CEO 's office finally called me back XX/XX/XXXX and, after having looked into the situation, could not release the {$1000.00} that I rely upon to pay bills out of " fairness to all customers. '' I asked her what my options were other than leaving to another bank and she offered NONE. This is absolutely despicable, especially coming from USAA. I pray they are held to account for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: PNC Bank N.A.
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: Their investigation did not fix an error on your report

Complaint:
Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current willful violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 36 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have my Mortgage with PHH Mortgage, I escrow my insurance and taxes. I noticed in XXXX that they took out more for my taxes than the amount owed on the bill. I checked online with the county assessors office and my bill had not been paid. I have called PHH several times since XXXX and they refuse to let me speak to anyone in the escrow department. I called the county assessor again and they told me no payment has been made on my taxes. They finally made a payment of the correct amount of the first installment but not the second installment and there is now an interest charge added of {$190.00} and my escrow account is still missing the original payment of over $ XXXX have been given the runaround when I keep asking where my money is. When I ask to speak to someone in the United States they tell me know one is available and put me on hold and then disconnect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Starting in 2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me

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 2023-07-14
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: Information belongs to someone else

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 accounts and 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 fraudXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date 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