BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
during the pandemic nothing is open. i submitted my homeowners property tax ( HTC ) credit application during XXXX. i never received my tax bill with all the mail issues. when i checked up on it i was told i received {$2300.00} credit toward my property tax which is escrowed for. i immediately contacted PHH to discuss how this is handled since my payment never reduced. no one can answer me. my mortgage was originally with ocwen and they handled the htc seamlessly. phh is a subsidiary of ocwen so i figured they knew how to do this too. they are quick to " advance '' money ( loans that extend my mortgage balance ) but have no idea how to apply a tax credit. " XXXX code XXXX '' continues to call me and let me know that they are working on it. this is not good enough. i am low income during a pandemic, small business with ALOT OF MONETARY ISSUES AT THIS TIME. this credit would have benefitted my family when it was awarded in XXXX. i have already filed my property tax credit application for this year. i have demanded that an escrow specialist contact me to discuss how phh handles this but XXXX is the only one that calls. I DEMAND TO KNOW WHERE MY MONEY IS AND HOW THEY INTEND TO HANDLE THIS. here i sit with an XXXX year old dependent living with me, self employed in a pandemic situation. even my federal refund has not been received. i need help and i need it now. 2 docs attached - tax record from XXXX county maryland outlining my credit and the email i sent with the same attachment to phh dated XX/XX/2021 because i got tired of calling and decided to document this. please help

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 2023-01-13
Company: American First Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022, I went to XXXX XXXX Texas with the address XXXX XXXX Texas XXXX, XXXX, TX XXXX. I bought a Refrigerator for the amount of XXXX. I Have explain to the sales person that I wanted to pay this as soon as possible and I asked if the have any offer to pay with no interest, He have told me there is an option of paying in 120 days with no interest with American First Finance. When we make the agreement, he asked me for my debit card and also told me he will make everything ready for me so we will have automatically payment for approx. 4 month and also told that I don't need to worry about anything else. 
I never received the contract as apparently the sales guy wrote my email incorrectly. 
4 days ago I have notice that American first finance keep charging me monthly and I start to find put what is going on. 
So Sales guy make everything on the computer but he put a minimum amount of paying monthly. Now American First Finance is charging an amount of XXXX dollars for the refrigerator, 4 times the real cost. 
I have contacted an attorney and he told me my first step is to make a complain in here. 
I will attach the contract. 
also we have been paying so far XXXX to American First Finance .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have disputed this information on my credit report for several months. I have been BEYOND UNSUCCESSFUL in my attempts via phone or certified mail disputes and/or upload on line. 

I have attached that the information continues to verified to which I have attached supporting documents, disputing verification. I have also asked for the method of verification to which I continue to obtain the same verified response. Therefore I am reaching out to CFPB for intervention and a investigation as this is greatly hindering me in moving forward with I need to do for my family with regards to the INACCUARTE REPORTING. 

Based on the information reported on Transunion website, they report that TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. 

Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. For additional information about the settlement, please visit XXXX TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ I have contacted XXXX and they are not reporting said bankruptcy that is " verified through a third-party '' per Transunion as the bankruptcy was removed due to fraud as you will see in the attached supporting documents. I have also reported this information to the FTC, XXXX and Attorney General 's Office.

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 2019-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
Payments on my five year loan are not documented correctly. The five year loan began in XX/XX/XXXX and would end in XX/XX/XXXX. I missed three payments that I was told I could make up at the end of the loan period extending the loan three months which ended XX/XX/XXXX. The three payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Credit Acceptance Corporation shows on our credit report that we made 25 % of our payments late, Instead of showing three missed payments respectively. We never made 25 % of our payments late. For every month in XX/XX/XXXX it shows that we are 30-90 says late including the three extended months. Credit Acceptance sent me a document showing all months that payments were made on time. In addition, the document shows that the last three extended payments were made on time. Never on the credit report does it state three payments were missed and made up at the end of the loan period. The credit report states inaccurately that we made 25 % of our payments late, which would be after the XXXX of every month. Attached is the payment record from Credit Acceptance showing the dates of each payment. Credit Acceptance says XXXX  are responsible for the errors. Thank you.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive repeatedly disputed with transition and XXXX  my late payments reported on credit report from XXXX. I supplied documents proving the late payments were jot late just deferred but neither will change my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I orginally was approved for these apartments back in the year of 2022. I sent in a request to cancel as I never moved into the address they have on file. I also notified the company via email as well as by phone yet they were still billing me when I never moved and no lease was signed. This debt needs to be cancelled and I have proof of them still trying to collect {$630.00}. If this is not removed I will contact my lawyer for further proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXX XXXX XXXX XX/XX/XXXX Possible financial XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only XXXX deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX , XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is XXXX XXXX XXXX XXXX XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2023, HSBC ran a promotional referral bonus scheme for Premier account holders. The promotion meant that if I referred friends or family to HSBC and they met the qualification criteria, they could receive up to {$1000.00} and I would receive {$300.00} for every referral. A friend of mine opened a HSBC checking + savings account in XX/XX/2023 using my personal referral number that HSBC provided. Both of us maintained the qualification amounts in the checking/savings accounts. As of today, HSBC have not paid me the {$300.00} referral bonus which should've been paid up to max 8 weeks after my friend opened her account. It is now almost XXXX and despite contacting HSBC on a daily basis, no referral bonus has been paid yet. HSBC continue to tell me they'll have a response in 5 working days despite them regularly going past 5 days and then proceeding to request 5 more every time I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX  is reporting a public record. That has been closed for over two or three years. Said public record was paid in full. Therefore shouldnt show as a collection.

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 2022-08-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have checked my credit profiles for months and there were fraudulent accounts that were on my profile and one was removed, but re-inserted and I was not notified in a timely manner. However, the XXXX account was reinserted damaging my credit profile. Also, XXXX, whom has told me to contact the credit bureaus in regards to this to get these accounts disputed or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: U.S. BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sold my car and got payment for it. I wired the money to US Bank to pay off lien on XX/XX/2023. Then a few days later I called to see how I get my title. They said wait and check your DMV on Monday ( a few days later ). On tuesday, I checked and no release of title. I called again to US Bank, asked for a supervisor. They could not give me any information on the physical process that goes on to release my title. A supervisor told me I " just had to wait ''. Well then, I checked again 9 business days after my loan was paid off. Asked for a supervisor again, I was told by XXXX in the XXXX call center that there was nothing she could do. She said I could not reach anyone in the liens and title department because " they don't take customer phone calls ''. I asked for her supervisor and she stated that she has a supervisor but that " they don't take customer phone calls either ''. I asked for her to send me any document that states I am finished paying off my loan. She told me " there is no official document I can send you as the FLDMV won't accept it ''. Why not?? Then at least I might be able to enlist the help of my DMV?. Now, the buyer wants his money back. I don't have the XXXX XXXX dollars he paid me because I paid off my loan with it. Now US Bank is holding on to my property and I have no recourse at all. How is it that in 2023 a multi-billion dollar corporation can't give me more information on my title? It's now my property and they won't release it to me. This is unacceptable. What am I to tell my buyer now? Please help 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 2023-10-24
Company: Shellpoint Partners, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, XXXX XXXX notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became New Rez as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both XXXX XXXX and New Rez have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management keeps calling me asking for and looking for a relative that does not live at my address or share my number. I have told them several times that the individual does not live here and this is not there number and now they use robocalls to call me repeatedly starting in the morning. I have told them to stop calling and they will not stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I feel foolish that I even fell for the scam. I sent money to someone intending to buy a product and while the amount was not a great deal, I immediately reported it same day when I realized it was a scam. It cost me {$48.00} and {$100.00} respectively. PayPal responded almost immediately saying that it was not anything they could do. It was not even 3 hours did I send and then report the issue. The email almost felt auto-generated and not even looked at by a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have been in arrears on my mortgage for the past three years. Every time that I sent in a partial payment to catch up, it was returned to me with a letter stating that they wanted the entire amount. This happened multiple times. 
In XXXX of this year, I decided to try and sell the home to pay them off. I found a buyer and the house was set to close in XXXX of this year. The closing was then rescheduled to XXXX. 
On Tuesday, XX/XX/XXXX of this year, XXXX XXXX XXXX, the attorney for Rocket Mortgage sent an email to my attorney requesting that I make one months payment. The email was forwarded to me, and I purchased a money order in the amount of {$560.00} and mailed it to the address he provided. 
On Friday, XX/XX/XXXX, the payment was mailed back to me stating that they wanted the full amount. 
The closing date was then rescheduled to XXXX, but we did not close because the buyer did not have funding in place. 
On XX/XX/2023, I received a billing statement from Rocket Mortgage in the amount of {$15000.00}. The payment was due by XX/XX/2023. 
The closing was then rescheduled for Friday, XX/XX/XXXX at XXXX XXXX. A few hours before closing I received an email from the Buyers attorney stating that she did not have all the funding in place, but they still wanted to proceed. We did not close that date. 
On Monday, XX/XX/2023, I withdrew {$16000.00} from my savings account and purchased a certified check in the amount of {$16000.00} payable to Rocket Mortgage. I mailed the check priority mail through XXXX. Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the check was scheduled to be delivered on Wednesday, XX/XX/XXXX, records show it was delivered on Thursday, XX/XX/XXXX at XXXXXXXX XXXX 
On XX/XX/2023, I received a billing statement from Rocket Mortgage in the amount of {$16000.00}. 
On Friday I checked my Rocket Mortgage Online Account to see if the payment had been posted and it had not. On Monday, XX/XX/XXXX, I called Rocket Mortgage and spoke to XXXX. He verified that the payment was received on Friday, XX/XX/XXXX, and that it had not been applied to my account. On Tuesday, XX/XX/XXXX, I called Rocket Mortgage and spoke with XXXX. She too verified the payment was received but stated that she could not apply the money to my account. 
I am filing this complaint because Rocket Mortgage has been requesting payments this entire time and now that they have received it, they refuse to apply it to my account or return it. They are pursuing foreclosure instead. How is it legal to bill someone and then keep the money after theyve paid without applying it to their account? This is theft. 
I would like the back payment applied to my account or returned to me immediately.

Company response to consumer: Closed with explanation