BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 called and have sent certified letters to all XXXX credit agencies letting them know that the addresses are not complete. They are in all XXXX agencies abbreviated or incomplete. According to the FAIR CREDIT ACT all information needs to be precise and exact no abbreviations are permitted.

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 2020-12-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I contacted Equifax about a charged off account reporting incorrectly on my account. The company reported that I owed XXXX $ although went into a settlement with the company. I disputed and Equifax showed a settlement letter. Equifax stated the company " verified I owed the remaining balance '' regardless. The company, XXXX, finally updated to reflect the settlement amount since I was right, and reported the balance as XXXX. They reported as " Account paid in full for the less balance/settled '' with XXXX/XXXX. I called Equifax to let them know I did not dispute the amount owed anymore since XXXX updated the amount to XXXX. The customer service rep updated my dispute to state " customer disputes after resolution '' even after this. This was on XX/XX/XXXX. This is not what I had asked them to do. After receiving an updated copy of my report through XXXX, it showed XXXX as " 120 days past due/Charged Off '' for Equifax only. There is nowhere that states I paid this account nor does it state the account is now closed. The other two credit reports do. I was told XXXX reported it like this. I asked how XXXX would report the same account differently two 2 out of 3 bureaus.There is also a collections on my Equifax that was removed 2 weeks ago from the other two reports. I was instructed to call the collections company, which I did on XX/XX/XXXX, and ask them to remove it. XXXX XXXX informed me it was reported and it is Equifax that has not removed it yet not them. So they lied about why it was still on my report. My score is 20 points lower on Equifax due to their incorrect reporting ; however, they will not update my report regardless of the proof. They open disputes which takes up 30 days of a person 's life and then respond with " Verified by company '' although when I contact the company, they inform me that there was no verification on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been trying to contact XXXX XXXX XXXX XXXX and they have not been responsive. In the month of XXXX my card was fraudulently used, I did dispute this transaction and it ultimately was resolved but ( XXXX  ) reported a late/ missed payment to XXXX and Equifax in the month of XXXX claiming that I am XXXX days late which is incorrect, and my credit card statements prove so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Westlake Finacial repossessed/stole my car out of my driveway. I put {$10000.00} dollars down and made payments as well. my consumer rights were violated. 15 us code1692F 15 us code 6802 and 15 us code 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2020, Citi Bank closed my account due an exceeding of the 90 day policy. 
This is the first time I had ever been in this situation which was due to COVID19. 

I am a young entrepreneur, so I did not qualify to receive any of the XXXX Loans that were available to businesses. 

This put me in a financial deficit. Prior to this situation I have always made my payments on time. 

Citibank was running a program to assist people in financial burden, and I signed up for it. 

Due to the fact that I am young and I do not have a ton of experience dealing with credit, I did not know how to respond during this time. I did not know there was a 90 day policy that would case my account to be closed. 

I continued to call and speak with agents to let them know that I had every intention of making payments as soon as I was able to generate income. 

As a father, husband, and employer, I had to see to the protection of my family and staff. 

This has been a very difficult season to endure. I would hate to sacrifice the relationships I have worked so hard to build.

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 2022-10-24
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my report I do not recognize

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 2022-06-11
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XX/XX/2022 have been paid in full its refused to be removed off my credit report. XXXX XXXX $ XX/XX/2022 I have not used XXXX services. XXXX XXXX XXXXXXXX $ also needs to be disputed I did not use these services.XXXX XXXX XXXX is saying I owe XXXX $ someone was using my services after I moved out the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reportedXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Ocwen Financial Corporation
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The Complaint is against Ocwen Loan Servicing. Ocwen loan servicing is engaging in mortgage back securities to defraud investors which is a federal crime. Ocwen loan servicing fraudulently created mortgage back securities to defraud investors. Please see attached letter from Ocwen ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from Ocwen claiming they transferred dated XX/XX/XXXX to XXXX pass-through trust  XXXX. The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX ( Years after the trust was closed ) Ocwen fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through trust  XXXX see attached ( exhibit 3. ) Ocwen loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under XXXX XXXX as trustee in XXXX  land  Court bureau of conveyance. The consumer financial protection bureau and Securities and exchange commission should Immediately investigate Ocwen loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. If XXXX XXXX  is trustee for the XXXX Passthrough trust XXXX then Ocwen loan servicing needs to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. I am asking the CFPB to immediately look into these fraudulent mortgage back securities that XXXX XXXX, Ocwen, XXXX XXXX XXXX and XXXX are engaging in. Im asking Ocwen loan servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee for the XXXX Passthrough trust XXXX as required by the pooling and servicing agreement. We have many unrecorded fraudulent assignments that Ocwen created to produce fraudulent mortgage backed securities with no clear title of the property. Ocwen loan servicing should stop creating unrecorded assignment of mortgages to engage in mortgage backed securities fraud which is a federal crime. I'm asking the CFPB or the proper entity ( Security and exchange commission ) to immediately investigate Ocwen loan servicing in their mortgage back securities fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: MI
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:
The Credit bureaus stated XXXX funding {$26000.00}, XXXX funding {$26000.00} was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.These accounts was parked on my consumer report without notifying me by mail or phone call .This grounds for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well .As a consumer I have a right to opt out of being reported and now Im exercising my rights to do so.

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 2022-06-11
Company: Certegy Holdings, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Certegy Payment Solutions , LLC provided a denial code to XXXX and XXXX regarding cashing a payroll check. Information in the certery file is outdated and incorrect.

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 2020-07-28
Company: The CMI Group, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CREDIT MANAGEMENT LP,  XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX. I mainly only use it around the holidays for my kids toys. Note : My FICO is over XXXX. 

In short every time I use this card, there are fees and interest ; no matter when I send payment in. Always marked a day late " every time '' Most of the time they remove them, but ; this last time when I called to complain on XX/XX/XXXX @ XXXX, no go. When I asked for a Supervisor they instead hung-up on me! I called back later and even more charges accrued and still no relief. 

Here is my theory, they talk you into the card for the 5 % Discount then they advertise they give another 5 % to Charity. So, in short, " everyone '' gets a late payment no matter when you send in a payment. Always just one day late! There are hundreds & hundreds if not thousands of complaints for the exact same reason on-line. This is a scam!!! 

They bill on the XXXX of the month. Add, 5 to 7 days for mail ( their time frame ) and I am getting the bill on the XXXX. Plus, I allow 5 to 7 days return mail, that takes us to the XXXX. They close out and must receive payment by the 5th. That leaves just 13 days for that transaction to close out. No matter when you send the payment ... always one day late. 

Please look into this matter at your earliest convenience ... I am certain they are paying for their charitable contributions and the discount with exorbitant late fees and following interest charges. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
State: CA
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:
I have been a customer of Citibank since 1997 when I became an attorney. I have a client trust account and a business account with a debit card. 
On or about XXXX XXXX, I was charged {$2300.00} by XXXX  for a mens jacket which was not placed by me and I never received it. 
After hours of staying on hold with XXXX, informing them this was fraudulent, XXXX finally agreed and intercepted the delivery, only later to then allow the fraudster to pick up the package from a XXXX. Since then I have spent over 40 hours on hold with Citibank ; made three visits to the bank and was told a case was opened. 
Last week I visited the bank again and was told nothing has happened to my case. 
Again I called the bank and after many transfers to various departments, was hung up on. 
I will attach the letter I received from Citi as well as my response and attachments to my response. We have also tried escalating with XXXX for 20+ hours and have been told Citi will handle it.

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 2023-01-20
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX through this complaint process stating that they would provide me with a single point of contact since they have made many mistakes throughout my mortgage process including but not limited to refusing to honor the removal of my PMI, providing me incorrect and incomplete information about the removal of my PMI, and failing to provide me with a full letter capturing the removal of my PMI. 

XXXX. I was given a single point of contact, XXXX XXXX, at phone number XXXX ext XXXX to speak with directly regarding my mortgage going forward. On XX/XX/XXXX at approximately XXXX I called that number, and there was no occasion to enter an extension. I then asked the person who answered how I could speak to XXXX XXXX. I was given the same number I had just called, and the same extension. I told him that this was how I had reached the person I was currently talking to. I asked how I could reach XXXX. The individual I was speaking to said I could call XXXX ext XXXX. I called that number the same day and approximately the same time, and it was the exact same answering service as the XXXX number, similarly without an opportunity to enter an extension for XXXX XXXX. This time, the person who picked up either immediately hung up or disconnected, so I could not ask how/when to enter an extension or how to reah XXXX without this answering service as promised to me in XXXX XXXX ' outcome letter dated XX/XX/XXXX. 

XXXX. On XX/XX/XXXX I was given a letter that stated my PMI was removed and that the letter also included " a new XXXX Analysis which reflects your new payment amount and the next due date. '' This was not included. I asked for a copy of this letter in writing on XX/XX/XXXX, again in my written complaint to CFPB on XX/XX/XXXX, and again in a phone call to XXXX XXXX on XX/XX/XXXX in my call with XXXX at XXXX. Each time I was not provided with a copy of that letter. UndeXXXX XXXX XXXX I should have received a decision letter and my new payment amount in my XX/XX/XXXX letter. I still have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Information belongs to someone else

Complaint:
On XXXX I've sent disputes regarding for those inaccurate and unknown accounts on my credit report. It's over 30 Days today but I didn't received any response. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I demand these accounts be deleted immediately or I will file for litigation.

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 2020-12-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I believe my identity was stolen due to a false Unemployment Claim being made in my name. I was advised by the Commonwealth of Massachusetts to take a number of steps. One of these steps was to put a hold on my credit reporting accounts. I contact all three credit agencies and for two of them this was a straight forward process, as the law indicates it should be. Experian was the exception. Instead of granting my request, as they are legally obligated to do, they tried to sell me a separate that I was not interested in. The company has also refused to respond to my request.

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