BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: Ocwen Financial Corporation
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: Investigation took more than 30 days

Complaint:
I received a letter from PHH mortgage Co. dated XX/XX/XXXX, that my XXXX mortgage of {$520.00} has not been received. ( # 1 Document ). I contacted the bank and was told that it had been deducted from my checking account on XX/XX/XXXX. ( # 2 Document ). I later contacted the company and was told that it was applied incorrectly. 

This mortgage account has been opened since XXXX and has always been bank draft from my checking account. ( # 3 & 4 Documents ). 

I called a 2nd time on XX/XX/XXXX, approximately XXXX XXXX. and was told that the money was placed in a suspended account. 

I called a 3rd time on XX/XX/XXXX approximately XXXX XXXX  after receiving a Notice of Default letter. I was told to disregard the letter ; and for the last payment prior to getting the payoff, I was told to send a check in from my account instead of letting them do a bank draft ( # 5 Document ) I inquired if it would have any bearing on my credit report and they advised it would not. However, I received a notice from my credit monitoring stating that my score had dropped from XXXX to XXXX. 

This mortgage loan is scheduled to mature, and I sent the balance of {$22000.00} ( # 6 & 7 Documents ) on XXXX. Again, I contacted the mortgage company on XX/XX/XXXX and was told that they had received the payoff, however, I still received a letter saying the month of XXXX payment is due. 

In checking with the 3 credit bureaus, my scores have dropped from XXXX to XXXX from PHH mortgage sending a negative report about this loan. ( # 8 Document ). 

I need PHH to rectify this.

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 2021-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a credit freeze with all three credit agencies. Despite my freeze being in place, on XX/XX/21 Experian provided my credit report to XXXX XXXX XXXX for a fraudulent credit card application. Experian has cleared the report on my file, but has failed to let me know why they negligently provided the report while a freeze is in place. 

I want to know why the credit report was provided with a credit place in place. This should not have happened. 

Thanks.

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 2019-09-05
Company: American First Finance, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
To Whom It May Concern, We purchased two mattresses from XXXX XXXX and they placed the Financing through American First Finance. Shortly after the Mattresses were delivered we moved my Mom to a home. We contacted XXXX XXXX over 25 times to return the mattress. No one contacted us back. We walked into XXXX XXXX to get assistance. They said that American First Finance had to arrange for the mattress to be returned. This going around in circles went on for two months. Then AFF said they don't take returns, They said XXXX XXXX had to pick up the mattress. We were paying {$70.00} week to AFF. We stopped making payments to get someone to help us. We finally got a Lady to help us. It took from XX/XX/XXXX until the very end of XX/XX/XXXX to get help. It took 30 days for them to find someone to come and get the mattress. They advised we had to donate the mattress and they arranged everything. The Company came and picked up the mattress. We called the day the mattress was picked up. They said they were working with the finance department to see what could be done. In the mean time they put this on my Husbands credit report as a delinquent account after they have financially XXXX us. We paid them {$1200.00} so far and they will settle the account for {$450.00}. The mattress we kept was {$990.00}. I have 100 hours on calls trying to get resolution. This is highway robbery and financial XXXX. 6 months of pure XXXX. The two mattresses were {$1900.00}. We returned one and they are still charging us {$1600.00} for one mattress and 6 months of XXXX plus they damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MO
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:
XXXX. XXXX. Equifax. 

Multiple dates and occurrences I have shop for an auto loan, several different times, and within the 14 day. They never lumped those all under one inquiry rather each inquiry within the 14 day period has been reported as one individual per creditor resulting in numerous and an exuberant amount of inquiries on my credit report not only that Equifax and experience, both have input inquiries on my credit report from themselves on hundreds of different occasions as XXXX XXXX is refusing to give me a copy of my credit report. All of these things can be verified in the documents that I have uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX;XXXX XXXX  (Original Creditor: XXXX XXXX) XXXX and XXXX XXXX XXXX;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up a TD Bank account checking account on XX/XX/XXXX for a {$300.00} checking bonus promotion. I met the terms and conditions of the bonus ( including {$2500.00} in direct deposits ) and I still never received the bonus and it has been 4 months now. Below are the 2 direct deposits that I did. 

XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX NA PAYROLL XXXX TD BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type llsted as finance/personal last payment the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that 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 explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to XXXX and TransUnion Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$35000.00}.

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 2022-07-18
Company: EQUIFAX, INC.
State: MI
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:
The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type llsted as finance/personal last payment the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: U.S. BANCORP
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around XX/XX/2018, I disputed 3 charges of {$250.00} from XXXX XXXX XXXX. I cancelled this warranty on around XX/XX/2018 when I put a claim in and they denied it I probably should filed with CFPB on this about them but didn't. I told them to cancel and on around XX/XX/XXXX, I disputed the charges with my credit card. when XXXX refused to refund all my money. They charged me {$750.00} for a {$500.00} warranty. They refunded me {$250.00} but I'm still waiting on the rest. US Bank claim numbers XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, US Bank requested more information. I sent them all the information including emails I had with this company and contracts. on XX/XX/2018 by Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX it arrived at XXXX. On XX/XX/XXXX, US Bank reversed the provisional credits. Sent me 2 letters dated XX/XX/XXXX. and arrived here onXX/XX/XXXX. They say in the letter they didn't receive the additional information in time. It wasn't even 30 days. I have federal logs showing my location date and times that show I have not been home to respond to any of this as quick as they want. Request your assistance in getting my {$500.00} credited back to my credit card.

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 2023-08-23
Company: EQUIFAX, INC.
State: NV
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 explanation
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm a victim of identity theft I contacted the credit agency such as TransUnion, XXXX, XXXX via Certified Mail that I had inquiry on my credit fraudulent providing them with a police report of the incident stateing my California Driver license including my Social Security Card TransUnion stated that there was nothing they could do that I had to notify each inquiry on my credit that I was a victim of identity theft and ask for a letter stating I did not inquiry about there agency so I did I was told they don't do that and I just had to wait tell they drop off so I contacted TransUnion again upon my information I was given the same story I stated to them again that they have a report stating im a victim of identity and im asking the inquiry be removed they said no can do I have hard inquiry for Airlines credit I have never been out this State.. 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 2022-07-18
Company: Experian Information Solutions 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 have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT ED/XXXXDEPARTMENT OF EDUCATIONXXXX 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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from Transunion, XXXX and XXXX and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each Agency made me disclose my entire social security number which should not be asked for. Transunion, XXXX, and XXXX could have requested the last four. 

Transunion, XXXX and XXXX have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
Transunion, XXXX and XXXX are also selling my private information with out my consent which is aggravated identity theft.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The current status of my loans and the transfer of my loan to another provider, Nelnet, is unlawful, per the XXXX XXXX XXXX. I will report Nelnet and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the FTC if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been submitting multiple written appeals to Transunion regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT ED/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 2021-12-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
made depsosit XXXX mos ago still on hold when they sent me letter sayinng hold only 10 days in violation of law they never sent me letter of extended hold they will not release my money almost XXXX mos now on hold

Company response to consumer: Closed with monetary relief