BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early XX/XX/XXXX we got a marketing call from PHH Mortgage & their refinance sales team to work on refinancing our home. They explained we had plenty of equity to cash out and specially since we were great paying and had a XXXX Credit rating. Further the conversation they said it would remove our PMI quicker since we had a XXXX ( loan to value ) greater. 

Because of this call we contacted customer service and they explained we had to formally fill a form and request. We requested removal of the PMI after speaking with Customer service on XX/XX/XXXX. We submitted the form which was mailed to us completed and with fund. They confirmed cashing the funds for Survey we requested on XX/XX/XXXX XXXX XXXX XXXX. I asked if you had funds for over 4 weeks now ( today is XX/XX/XXXX ) why did we have to call and escalate to get the survey? No answer only we understand your frustration. 

I asked when will this be resolved? 
XXXX said my earlier call to escalation XXXX XXXX would take 5 days to get the PMI company to answer! So I asked will the survey be done within those 5 days. No answer. 

Recap : Over XXXX week and not a call or letter to schedule the survey to remove the PMI. When we called in XXXX they noted customer did not verify acct but no about our call asking to confirm receipt fo the payment for PMI removal & survey. The person they claim took the call was XXXX XXXX please forgive spelling as what was given ). 

We called again today to ask ( XX/XX/XXXX ) and they would not tell us status so we ask to escalate. The escalation XXXX. XXXX said it would take 5 more days to find out where our claim to remove PMI Insurance. 

They are dragging their feet because we are simple people, minorities that can not affor a lawyer! We would sue them for lack or proper attention to our PMI charges. The house is valued at this time over $ XXXX and the loan is down to {$210.00}. A 70 % where at 80 % they should have removed the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX XXXX account # XXXX 3 separate METRO2 compliance issue disputed and each time the issues were " corrected '' rather than the reporting being removed. I have found a 4th METRO2 issue I have not disputed yet. I DONT WANT IT CORRECTED I WANT THEM OFF. YOU DONT GET TO REPORT ENDLESS LIES AND JUST CHANGE IT WHEN I SAY GET OFF MY HISTORY OR I WILL SUE WITHOUT EVEN CALLING YOU OUT ON THE FOURTH ISSUE I'LL SAVE THAT FOR COURT

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 2022-06-02
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:
I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX  XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 explanation
Consumer complaint received 2023-01-04
Company: Arena Investors, LP
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is response to complaint XXXX They still have not provided me with proper documentation showing they own or legally allowed to collect on this alleged debt First off, this was my first complaint against SRA as they are attempting to say that since I filed complaints against XXXX that those are complaints I filed against them. This leads me to my actual complaint. 

Who is collecting this alleged debt? According to the call I received the lady said " we are working with XXXX '' So who owns the alleged debt? 

I have requested twice now, once when SRA called ( and if they are actually XXXX they know they should not be calling me which is a violation ) if they are not XXXX why are they refusing to show me an agreement that says they are allowed to collect on this debt? How do I know if I paid this alleged debt to SRA that it is not just a scam?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Universal Account Servicing, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Company Name : Universal Account Servicing Dear Sir/ Madam Re : ( account number XXXX. ) On XX/XX/XXXX, I got 2 years interest free loan ( principal amount : {$3400.00} ) from laser away through this company " XXXX. Unfortunately, your service has not performed well. 
I have an issue with the payment services. I had auto payment setup. Unfortunately, I lost my credit card, and had to change the credit number. As soon as I received the new credit card, I called in and gave my new card number to be used for auto-payment ; however, it seems that operator did not complete the transfer, and the old credit card number was used for the payment which was rejected. 
Although I have called on time before my next due date payment and gave my credit card number to be used ( they have my new credit cart # on record ), I have been told that I am still responsible for the delay which does not make sense. 
I am so disappointed because the service was not performed correctly ; I was billed the wrong amount ; something was misrepresented. i did not do anything wrong here. i paid my monthly amount on-time and did not miss any payment. it was the company 's fault that did not used my new credit card number for autopayment. i should not be punished for that. I already paid back my loan and i do not want to pay any interest. 
To resolve the problem, I would appreciate your help. I already paid back my loan and i do not want to pay any interest. 
Payment Details Total Principal Paid {$2700.00} + Interest Paid {$440.00} Total Payments w/o Fees {$3200.00} I look forward to your reply and a resolution to my problem and will wait until XXXX XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX XXXX Please contact me at the above address or by phone at ( XXXX ) or at ( XXXX Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the credit bureaus to update my name in my credit report and still, the incorrect names still show 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 2022-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: WI
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:
As of XX/XX/XXXX the balance on my XXXX XXXX XXXX loan account was {$770.00}, this has been the balance since XX/XX/XXXX. I have asked Experian several times to update the amount. Since XX/XX/XXXX Experian shows my balance was {$2300.00}. This information is incorrect! This is the balance Experian still shows I owe. I have disputed this amount numerous times with Experian and they never updated my credit report. Note XXXX and XXXX completely removed this account. I have sent Experian proof of my payments and they still updated nothing. On XX/XX/XXXX I paid this account in full by paying the remaining {$770.00} due on this account and Experian still refuses to update or remove this account! Please ask them to remove this account as XXXX and XXXX did!

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 2018-02-05
Company: Aldous & Associates, PLLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Whether I answer or get a voice mail from this company, it is a woman 's recorded voice that says the company is Aldous & Associates and this is an attempt to collect a debt. I never get to talk to a live person if I actually answer this call. Whenever I call the number they leave, I am told they have no records for my phone number ( that they just left yet another message at ) and to try and answer the call immediately when I see it on my phone so that I can talk to someone. It never works. I have never gotten through to a real person through their calling me. It is just a recording. I call the number and have talked to a younger sounding man named XXXX several times and he says I need to just keep trying to answer the incoming call immediately to get through to someone to find out what it's regarding. This has literally been going on for two months now. I speak to XXXX about every week. He said maybe next time we can block my number. It is very alarming to keep receiving debt collection calls. My credit is over XXXX ( at last check ) and this company can not even tell my what they are calling me repeatedly for. I have checked my credit report a few times in the last couple of months, and all looks well. I do not see any unpaid payments, etc. 

They call me from XXXX XXXX XXXX and I'm told to call them at XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the credit bureaus to update my name in my credit report and still, the incorrect names still show 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 explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on 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 2019-04-19
Company: Experian Information Solutions 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:
I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. XXXX, XXXX, THE BUREAUS, XXXX, XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-11-05
Company: Lending Club Corp
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX**** This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: RI
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:
THE FOLLOWING INQUIRIES ARE AN ERROR AND WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AXXXX 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 2022-09-06
Company: EQUIFAX, INC.
State: IN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX**** This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX**** This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TFS 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:
In XX/XX/2019 it was brought to my attention that my mortgage ( Third Federal Savings and Loan ) was late every month. I then actively started to monitor and dispute these inaccuracies in payment dates and late reporting. To date I have worked with the three credit bureaus and Third Federal to correct these items that were reported wrong. In the process the company Third Federal continued to report payments late ex : XXXX and XXXX I received alerts that these were late. 
I have had 8 corrections already and it is becoming exhaustive with XXXX  care and work. I have spent hours researching and trying to resolve these issues in the middle of handling parents, sickness and death. I am unsure why this institution is unable to provide proper reporting but I don't have the strength or time to continue to hunt and track down their inaccuracies. I have purchased cars and applied for credit that these inaccurate reporting 's have had immense impact on. 

In this fight with Third Federal 's inaccurate reporting I have been able to raise my credit score over 130 points from disputing and them correcting their errors. 

Additionally Third Federal reports to each credit bureau different information each month ( some reports show late and some show not late for the same month ). 


Third Federals letter to me indicating that they have sent corrections to all bureaus ( for a few of the errors that I went directly to them ) and that they apologize for any inconvenience is insulting as the " inconvenience '' is both financial and almost irreparable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company called Mandarich Law Group is contacting me on the behalf of XXXX XXXX XXXX XXXX. I do not even know this company. I have never entered into an agreement with this company and I feel it is fraudulent that they have my information and is currently collecting a debt from me stating I owe for a credit card from years ago. They served me with the wrong papers at my home. I called them and told them a server dropped a packet of papers in my car while I sat in the driveway and then asked for them back. They also threatened to place a lien on my home. The original balance was said to be {$1400.00}. Due to XXXX XXXX XXXX XXXX. Who assumed the alleged charged of debt from XXXXXXXX XXXX.

Company response to consumer: Closed with explanation