BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Aloha,CFPB,Iamcomplainingaboutthe2loanservicers,thefirstOcwenLoanServicing,LLCwhotransferredmyloantothesecondservices,PHHMortgageinXX/XX/XXXX.InadditiontothelawfirmXXXXXXXX,XXXX,whodidnotdotheirduediligencebeforefilingtheforeclosureaction.

InXX/XX/XXXX,IwasapplyingfortheHAMPloanmodificationaftercompletingpaymentsontheHomeAffordableUnemploymentProgramForbearancePlan.Foroverayear,Iwastoldtheyweremissingdocuments,thatIhadalreadysent;deniedaloanmodification,evenafteraHUDcounselorwhoreviewedmyfinancialsstated,Idoqualify.Then,Iappealedthedenial;theyresearchedandaskedmetoreapply3moretimesandstillnoloanmodificationwasoffered,(NotuntilXX/XX/XXXX,whileinforeclosure).Thesecompaniesarenotonthesamepage.Theyviolatedfederaldualtrackinglaw.
OnXX/XX/XXXX,whilestillintheprocessofreapplyingforaloanmodification,XXXXXXXX,XXXXPlaintiffscounselfiledaComplaintforforeclosureonbehalfofXXXXXXXXXXXXXXXXXXXX,asTrusteeFortheRegisteredHoldersofXXXXXXXXXXXXXXXXXXXXXXXX
AfewdaysbeforeIwasservedtheComplaint,theXXXXXXXXSettlementfrozeallforeclosuresbecauseOcwendidnotcomplywiththeirstandards,howeverPlaintiffcounselwentforwardwithfilingtheforeclosure.

Irecently,appliedforaloanmodificationwithnewservices,PHHMortgages,whileinasettlementnegotiationwithPlaintiffscounsel.PHHMortgagesdeniedmyapplicationinXX/XX/XXXX.IappealedinXX/XX/XXXXandrecentlywassentaletterstatingthattheycannotoffermealoanmodification.
IamscheduledtodefendmyselfandpreventthePlaintifffromtakingmyhomeintheMotionforSummaryJudgementHearingonXX/XX/XXXX.
IaskthattheCFPBlookintothesecompanieswhoatinvolvedindeceptivebehaviorandmisconductandfrivolousfilingsanddramaticallyaffectingmanyhomeownersacrossthecountry.
Mahalo,XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX... creditor is XXXX XXXX XXXX bank in the amount of XXXX dollars opened on XX/XX/XXXX ( in collections? ) XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX amount of XXXX it looks like it's XXXX funding XXXX bank opened on XX/XX/XXXX closed on XX/XX/XXXX amount XXXX dollars Credit XXXX bank Opened XX/XX/XXXX closed on XX/XX/XXXX XXXX bank * XX/XX/XXXX I received a letter in the mail that a account was opened in my name ending in XXXX but they needed more information me so they restricted the account I did contact them about this because this account was fraudulently opened and the other ones listed I have no knowledge of either and were fraudulently open also.I filed disputes about the other accounts 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 explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2020-05-28
Company: Experian Information Solutions Inc.
State: TX
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:
These are not my accounts, addresses on file, nor did I authorize these companies to pull my credit. Please remove them.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

XXXX XXXXXXXX XXXX XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I DD NOT GIVE WRITTEN INSTRUCTION 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 2019-01-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I moved the US Virgin Islands upon retirement as a 30 year XXXX XXXX XXXX. Hurricane Irma was supported by FEMA with much needed emergency GRANTS. 2 years after receiving  my GRANT, my credit score dropped 80 points. This is when I discovered that the US Treasury considered me in default for a loan. I NEVER sighed loan papers! I was NEVER told that my emergency funding was other than a grant. Attached is a letter from FEMA stating that I do not owe them money. It appears to be a discharge/write off of a debt, not the fact that I am a victim and the debt was INCORRECT. My credit score reflects that I ran out on a loan, not that I NEVER HAD a loan from FEMA. Thank you for your assistance.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, I had a XXXX  credit card that was sold to XXXX bank. XXXX  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once XXXX  sold to XXXX, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with XXXX  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. 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 2022-04-19
Company: Experian Information Solutions Inc.
State: AL
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 U.S.C 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, 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 XXXXXXXX XXXX XXXX, Has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) section states : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS ORHAS 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 2022-04-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$400.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$6400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$200.00} in accordance with the fair credit reporting act convergent account # 1234, has violated my rights, 15 u.s.c 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I dont recognize these inquiries. Remove them immediately. THey are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These have no permissable use and according FCRA need to be removed immediately. I will sue if they arent not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, Chase Bank sent me a letter responding to my previous dispute of eight transactions totaling {$15000.00} in fraudulent charges on my credit accounts. The letter does not address any of the points I made in my complaint dated XX/XX/XXXX. Both letters are attached. 

The letter claims that on XX/XX/XXXX, I told an employee of Chase Bank that these charges " were valid but [ I ] wanted to dispute them. '' This is in no way accurate, as I have never indicated that these charges are or could possibly be valid ( as I mentioned in my original complaint to Chase ). 

The letter also states that signed receipts and sales slips from the merchant were made available to me by Chase in a letter dated XX/XX/XXXX, but in fact, this letter includes receipts for only two of the eight transactions that I am disputing. I was not able to access this letter until two months after it was posted, as all of the several Chase employees I had spoken to by phone indicated that I should expect to receive a response to my complaint via USPS, and none of them mentioned that I should look for a response on the companys website. In XX/XX/XXXX an employee finally informed me that this document was available online ; I reviewed the document, and on XX/XX/XXXX I provided additional documentation. In their letter dated XX/XX/XXXX, Chase Bank reports that they closed the disputes because I did not respond when they reached out for more information via the secure portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As I previously stated, no one at Chase Bank had made me aware that there had been any response or any request for additional information until XX/XX/XXXX. 

Additionally, in their response to my previous CFPB complaint, Chase states, We attempted to reach you by phone on XX/XX/XXXX, at XXXX, to acknowledge receipt of your inquiry. The phone number was disconnected. This is completely false. Please see attached statements from my cell phone provider proving active and current service from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX via certified registered mail, I tendered ( following no response from DISCOVER after the first tender mailed on XX/XX/XXXX for amount of {$5900.00}. XXXX/XXXX DOLLARS ), another negotiable instrument ( U.C.C. 3-603 ) in the amount of $ XXXX DOLLARS for satisfaction regarding account number ending in XXXX given the Remittance Coupon Presentment in the amount of they sent by USPS. Included in my correspondence was Notice of Acceptance and Authorization to Set-off and " Instructions to Tender Payment '' to set-off account number ending in XXXX for the amount $ XXXX DOLLARS. I informed DISCOVER my negotiable instrument is presented under the authority of The Constitution Article 1 section 10. clause 1, The Constitution Seven Money Clause # 6, The Constitution Monetary Rule # 5, House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Title 31 USC 5118, and the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of XXXX 
I requested if for any reason, DISCOVER was unable to apply the credit and adjust the accounting thus completing the set-off, because I have accepted their presentment for assessed value, to please send a notice of dishonour from a qualified third party as well as, if applicable, send any law, code, policy or provision that purports that their company has a right to require payment in a particular kind of currency and/or that I am not in honour nor continue to operate in good faith nor with clean hands to satisfy this obligation for both parties. There was a directive to send the documents to the address I provided within ten ( 10 ) business days from the date the Notice of Acceptance and Authorization to Set-off was post marked.

DISCOVER did not respond AT ALL, nor with a third-party notice, nor did they set off of the account ending in XXXX ; therefore, ( DISCOVER ) fell into default due to non-response. As of date, XX/XX/XXXX, I have yet to receive any written correspondence/action fulfilling my specific request to discharge/setoff account ending in XXXX, nor have I been made aware as to why lawfully XXXX XXXX  is choosing to not sef-off the account though tender was made. 
DISCOVER was informed of California 's Commercial Code 3603/UCC 3-603 `` If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender ''. Due to DISCOVER not responding to any of my correspondence, they acquiesce to my terms therefore, I am seeking complete discharge/ set-off of the full amount of $ XXXX Pursuant to 1-102 and 3-603 of the Uniform Commercial Code. With DISCOVER failure to respond and set off of the account, per contract is now in debt of {$7500.00} to the Principle of said account and no longer have the capacity to pursue collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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