BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the COVID Act for mortgage relief. I started XX/XX/XXXX, in XX/XX/XXXX I started the modification process, I am still trying to complete my modification. Each time I submitted required documents, PHH Mortgage bka Ocwen Mortgage would require additional documentation that was never initially included. This has gone on for months. The latest incident, I was asked to complete a marriage affidavit after my modification was in review to be completed. First I am not married and my parents are on my loan, so I know it was for parents however, they have for 50 yrs, why would you need an affidavit as if something has changed. So this has once again delay my modification process. They sent me the copy of the modification as if I received it before but I had not, once I opened the document it had my name and account number noted on the form but there was someone's address on the form. They encouraged me to sign it however I would not because my address was not listed on the required document that they claim I need to sign for my modification. Now I have to wait 10 days to get the corrected document which again delays the process of completing my modification. PHH Mortgage bka Ocwen Mortgage has done a horrible disservice for the mortgage industry and home owners. I have been stressed out for months to get this modification complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.

Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.

Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.

HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.

They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''. 
Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Square Inc
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I had a cash app credit card and a friend send me {$50.00} on Friday, XX/XX/2020 I had not used my card in a while I paid my internet bill and that was no problem, when it tried to pay my XXXX  XXXX  account the transaction was declined four o five times And I followed the process to let them know the card was not stolen I request that cash app close my account and transfer my balance to my debit card at my personal bank immediately. You pay XXXX cent for this transaction The money is not in my acccunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Nationstar that expires XXXX XXXX, XXXX. The loan originated with XXXX XXXX XXXX and is a conventional fixed rate simple interest loan. Nationstar is claiming that we have a balloon payment of approximately {$13000.00} due on the loan. I filed an earlier complaint # XXXX that contained the loan agreement and the modified loan agreement. In order to resolve this issue, it is important that Nationstar provide a complete payment application history all the way back to XXXX XXXX. I personally requested this payment history, and Nationstar said they would be providing it to CFPB by XXXX XXXX which I thought was in relation to the earlier complaint. However, since that complaint has been closed, I am officially requesting that information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by TransUnion for over a year, despite my repeated requests to have it removed. The account in question is from XXXX XXXX XXXX, with the account number # XXXX. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, TransUnion has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

TransUnion 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, TransUnion has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold TransUnion accountable for their actions and ensure that they comply with the FCRA. I am also requesting that TransUnion take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that TransUnion block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-11-09
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: Public record information inaccurate

Complaint:
Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.

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 2021-04-19
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my account once i submitted the requested documents and will not help me to get it back up and running again.i am not sure if this is a mistake or a scam or what not.the money was given to me by family members for emergency reasons and being unable to access my money has put a bigger burden on me financially. not to forget that i paid a fee for what? for them to keep my money from me? i feel paypal is not doing business properly and i am very disatisfied with their business tactics. i have given no reason for paypal to hold my money from me. can you please help me with my situation? the email in relations to this account is XXXX my cell phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 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 2023-04-06
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage loan is under the name of XXXX XXXX XXXX, who is the father of my two daughters. However, I pay our mortgage to XXXX XXXX XXXX XXXX. Loan structure was only to pay the Property and Interest only. I pay the property tax and home insurance separately on my own. I lost my job in XXXX of XXXX due to Covid 19. I used my savings to continue the payment up until XXXX of XXXX. The loan holder put the account in forbearance due to Covid-19 because he doesn't want to help even up to this point. The loan was transferred to Selene Finance Servicing. When I got hired to another full-time job, I tried to make a payment but Selene would not even entertain my call. I struggled to contact them because most of their customer service reps wouldn't listen to non-holder. Finally, someone told me to provide a signed form from the loan holder. Loan holder wouldn't sign anything. I provided title to Selene to prove that I am the home owner. They required birth certificate of my children to show relationship, which I sent them birth certificates. I was added as a third party successor of interest and it allowed me to submit a loan modification and assumption of loan. Both were denied several times. I provided a copy of my XXXX XXXX statement to let them know that I have money saved un to resume payment. They denied me again and again due to income. I told them that I can rent on of my room out to a friend. They said that I have to make it happen before I apply again. I provided them the rental agreement to show bump on my income. They denied me again. However, two representatives ( XXXX and XXXX XXXX told me to pay the $ XXXX to keep the account current. I asked my friend who is the renter to lend me an advance payment. When I got the the money, I had to wire the payment to a wrong bank information that both Selene representative gave me. So I created an online account and I did the payment using the online account because I was so worried. The online would not go through if I missed checking any box of the months I missed paying. So I checked all of it and paid $ XXXX including the penalty. After getting the payment, they denied my application and said that income is not enough. They took my money and recalculated the loan and told me that my income is not sufficient enough to pay the loan. I feel that SELENE FINANCE is extorting me and just want to get my home. Now, I am not eligible for loan modification and only eligible for deed-in-lieu. I wanted to keep my house and do not want to loose it. I would need help from you or any agency to hear my cry. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: U.S. BANCORP
State: MD
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:
Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX XXXX XXXX. Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from XXXX XXXX  number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: CA
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 checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 explanation
Consumer complaint received 2023-05-25
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:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. In accordance with the Fair Credit Act, I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00}. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file.

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief