BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
Company: Ocwen Financial Corporation
State: OH
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:
Between XX/XX/XXXX and XX/XX/XXXX, my FICO, XXXX, XXXX and XXXX  credit reports show that we were 60-89 days late on our mortgage with Ocwen. We were 30-59 days late during these times, but we were not 60-89 days late. 
Between XX/XX/XXXX and XX/XX/XXXX, Ocwen was erroneously keeping my payments in suspense, and was not applying my payments to the past due balance. This error caused my mortgage to be reported as 60-89 days delinquent. If Ocwen had applied these funds to my past due balance, as the company is obligated to do under my contract, my account would not have fallen 60-89 days behind. 
I filed a complaint with the CFPB regarding the payments held in suspense. After I filed the CFPB complaint, the issue was quickly resolved, and the payments held in suspense were applied to my past due balance. However, the error with my credit reports ( the report that we were 60-89 days late on our mortgage ) was never corrected. 
After I filed the complaint with the CFPB, I spoke with a supervisor at Ocwen. She said that the payments were being held in suspense by error ( that it was Ocwen 's error ). She said that she was not sure why this error occurred and she promised me that the issue would be resolved quickly. 
I contacted Ocwen regarding the error with my credit reports, but they have refused to correct the error regarding my delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
This is the THIRD complaint Ive filed against Experian. The previous TWO complaints stated that Experian has failed in its responsibility to remove my bankruptcy from their file. It was agreed and ordered that this bankruptcy was to be removed from my credit file after a five year period per court order. XXXX and XXXX XXXX have followed this order. 
In the multiple attempts to dispute this bankruptcy with Experian, Ive failed in have this stricken from their file. Every time they claim that the bankruptcy is to remain on their file, it states that theyve used a third party to verify public records and that I may contact them. Back in XXXX of 2020 I did just as they suggested. 
XXXX conducted an investigation and deemed that the bankruptcy was to be removed from their records. Ive provided multiple uploads as well as copies via mail stating the aforementioned by XXXX. It has the consumer number of XXXX and case number of XXXX. 
Ive contacted the dispute department of Experian after multiple hang ups or no option given for this type of a situation. This is the most frustrating part of dealing with Experian. Everything is automated and no one knows where to direct me if I get lucky enough to speak to a human. 
In the few times Ive gained the disputes department, Ive requested a manager. 
After telling them the same story time and time again, I get different suggestions to what I should do next. 
At one point I was told that XXXX has access to their system and that XXXX can update. 
Ive called XXXX and they werent sure what Experian was talking about. This whole process is a three ring circus. Please get involved with resolving this matter in dealing with Experian. They dont do their jobs and seem to just run algorithms/ protocols on disputes and dont really have a human contact XXXX for verification of their investigation of which Ive enclosed multiple times. 
Finally, after every dispute, Experian never includes any documentation supporting their decision. Id like a copy of XXXX starling the opposite of what I have in a letter stating it should be removed form XXXX. I have to provide documentation and curios as to why the dont provide supporting documentation. The only answer I get is that its to REMAIN via a third party provider and to contact 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 2023-06-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-06-25
Company: Experian Information Solutions Inc.
State: TN
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:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts

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 2021-08-23
Company: Experian Information Solutions 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:
On XX/XX/20 Experian business XXXX. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming 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 2023-02-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have to made the payments, every XXXX th of the month XXXX the amount was always the same i made payment and the amount stay the same the interest was so high for a used car.

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 2022-03-09
Company: GUARANTEED RATE INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in a COVID deferment and spoke to someone in XXXX XXXX and indicated the hardship was over and that I would like the loan reinstated. I was instructed to start making my regular monthly payment in XX/XX/XXXX. I made that payment and a payment in XXXX, XXXX and XX/XX/XXXX. None of those payments have been applied to my account and there is no record of where those payments have gone. My account is still showing as past due. I have inquired several times why this was and was told the loan was waiting approval for loss mitigation. Each month I call and I get the same answer. I am not sure why or how it could take four plus months to work through the loss mitigation process and reinstate the loan but it is excessive and no one can tell me when it will actually be completed. There are also escrow concerns as the escrow amount being computed was incorrect as it was set at a higher rate based on the property being a secondary home rather than a primary. Because of this the escrow balance was positive for almost the entire hardship period so whatever lump sum payment ends up being deferred needs to account for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/23 visited XXXX auto sales to see a XXXX XXXXXXXX listed for {$28000.00}, started the application to finance the truck, sign documents and was asked to get insurance and the truck could be picked up Monday XX/XX/23. The truck had a check engine light and was told by XXXX from XXXX it's a small thing, the part has been ordered you'll have to bring back the truck and we will fix it. 
XX/XX/23 purchased insurance and sent it over to the dealer. 
XX/XX/23 arrived at dealer to pick up the truck, was asked to sign some more paperwork to be able to leave with the truck, upon getting in the truck and turning on, the check engine light was still on, I asked to reassure that it will be fixed and was told to bring it back on Thursday XX/XX/23. 
XX/XX/23 returned truck to begin repairs. 
XX/XX/23 picked up truck after being repaired, asked to speak to XXXX XXXX about some of the finance, the contract that we received shows the amount financed XXXX we were told that we should get a call from XXXX when she became available but did not hear from her the rest of the day. 
XX/XX/23 check engine light came back on, contacted the dealer again to inform that the check engine light came back on, XXXX told me to bring the truck back on XX/XX/23 to reassess the situation. 
XX/XX/23 brought the truck back over to get it checked, ask to speak to XXXX XXXX once again since we have not received a call from her, we were told the she was busy and would receive a call from her later, did not receive any call from anyone at the dealer. 
XX/XX/23 arrived at XXXX auto sales to ask to unwind the deal since we were having problems with the truck, was told by XXXX that she would not do this and if she was to take the truck back it would be a reposition and it would hit my credit, every business day there after have ask to unwind or flat cancel the deal, contacted the bank to ask to unwind the deal and been told that XXXX auto sales will not unwind the deal. 
XX/XX/23 still do not have the truck, have asked nicely every time to flat cancel the deal and have been told no every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX {$1000.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

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 2022-11-13
Company: Experian Information Solutions Inc.
State: PR
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 accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-05-04
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Reaching the end of a 5 year auto loan, was looking to close it out back in XX/XX/2023 my total payoff amount was a little over {$8000.00} at the time, they me told I would be receiving a final payout letter within 2 days via an email and 7-10 business days via mail. A week after all the sections of my account when I logged in online were made inactive other than the payment section which had a locked payment of {$460.00} that could be made. After calling they said they were having technical difficulties with site and would be fixed by end of the day. I called in again a few days later because I received the email with the payoff amount and was told I had to wait until the site was fixed to make the final payment. By the time the site was fixed the 10 day price guarantee was removed and they said I had to wait for another quote to be given. I received that quote this monday. XXXX I went to make the payment today of the new quote amount of {$7100.00} and the told me they could only accept a payment of over {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The FCC issued national security threat warnings about foreign software companies in XX/XX/XXXX. I had been using one of those products which was manufactured in XXXX and, heeding the FCC warnings, I removed the software forthwith. In early XXXX, the company began pursuing me to renew the software license. I canceled my account and they acknowledged my cancelation, but continued pursuing me using different tactics, prices, product names, and company entities. The companys efforts seemed fraudulent so I reported them to the FTC on XX/XX/XXXX. 

That same day, I gave my bank a copy of the FTC complaint and ask the bank to help me protect my account against fraudulent claims by the software company. The bank made a feeble effort to block the company but failed, and was generally apathetic and unhelpful. I felt the bank could have easily blocked any transactions from that company, but did not. At the suggestion of the bank, I cancelled my debit card and replaced it with a new one on XX/XX/XXXX. On XX/XX/XXXX, I learned that the company had been paid by the bank for a {$84.00} transaction I had not authorized and had asked the bank to block the day before. I believe it could have easily stopped that fraudulent transaction, but the bank failed and subsequently denied my disputed claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
XXXX XXXX had charges of XXXX that was done fraudulently. 
With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS is claiming that I owe them {$370.00} but I didn't recognize this debt. Please Remove this inaccurate collection from 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 2021-08-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, 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