BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
PHH Mortgage Services ( PHH ) has, in my opinion, falsely reported I missed a mortgage payment for XX/XX/XXXX and XX/XX/XXXX. This company has been unresponsive to my request to discontinue my escrow account after the first year of the loan. At the closing, in XX/XX/XXXX I pre-paid the first years ' homeowners insurance and property taxes for XXXX. In addition, I started an escrow account for $ XXXX/mo to pay for the second years ' homeowners insurance which $ XXXX/yr. Three months after the closing, PHH decided to DOUBLE MY ESCROW ACCOUNT and raise my PITI from $ XXXX/mo to $ XXXX/mo! 
I refused the unwarranted increase because it's double what my homeowners ' insurance premium is. As for my property taxes, I had selected to pay my property taxes myself. 

I have been unsuccessful in dealing with PHH and decided to refinance with another mortgage company. In my opinion, PHH fraudulently reported I was late in paying my mortgage payment in an effort to block my refinance. Not only did it terminate my refinance, but it also lowered my credit score by 109 points. My XXXX  score had been XXXX!! In an effort to prove my contention, I had my bank, XXXX XXXX XXXX XXXX submit a " History of Payments '' showing I HAD NOT MISSED NOR BEEN LATE FOR ANY PAYMENTS! ( DOCUMENT ATTACHED ) The statement has confirmation codes for every payment. 

I have submitted a dispute with XXXX  but the incorrect information was not removed. As a consequence, I have submitted a challenge to the dispute and submitted the History Of Payments to prove the false and in my opinion, fraudulent reporting by PHH.

I'm requesting that PHH remove the false late report which has damaged my credit and restore my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
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 status incorrect

Complaint:
For the month of XX/XX/2020 They said I was 30 days past due and has caused my credit score to plummet!!!!!!! 
I have NEVER!!! been late!!!!!!! I have proof of sending and them receiving on time!!! 
I have faxed this to them twice! This all started when I started a refi! My note was sold this XXXX and ever since I was introduced to this company I have never liked them. They do NOT know what they are doing and they miss handle my money. That is why I am trying to refi my mortgage!!!!!! I need them to take it off all credit bureaus!!! For this is FRAUD!!! 
I have sent them my bank statements showing money was sent to them and my statements from them showing they received it ON TIME! ( TWICE ) But they refuse to fix the HUGE issue with fixing it with the credit bureaus!!!! Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX i disputed an unauthorised bank transfer and today wells fargo closed the case without returning the money to 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 2021-10-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to pnc bank previously BBVA on XXXX XXXX XXXX XXXX tx to cash a check for XXXX teller gave me XXXX went back to the bank to get corrected XXXX XXXX the manager basically kicked me out asked me to come back Tuesday, I got a call from XXXX XXXX customer service asked me come back on Tuesday to get this taken care of and HE would walk them through the issue waited there for 4hrs just to get no help from anyone Went to XXXX to thank her for NOT doing anything and had the audacity to say your welcome have a great day This is robbery the check was written for the XXXX amount and chose to do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Rocket Mortgage, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe Quicken Loans is violating federal law by collecting more than the cushion allowed by federal law. 

Our annual escrow report for XX/XX/XXXX shows a balance in XX/XX/XXXX for {$880.00}. Our property tax and homeowner 's insurance totaled {$3500.00} ; the 1/6 cushion allowed by federal law is {$610.00}. 

The summary of my projected escrow account for the coming year shows Quicken estimates our property taxes will increase to {$4500.00}. 

On XX/XX/XXXX I contacted a client advocate regarding the increase. XXXX told me that the increase is based on the county 's assessment. I asked her to send me the documentation that justifies their increase. I have not yet received it. 

I then called my county assessor who informed me that they don't send assessments out until XX/XX/XXXX. She stated property taxes were likely to stay the same for XX/XX/XXXX.

The property tax increase appears not to be justified and is over the allowed 1/6th cushion.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
Hi, I have addresses on my credit profile that do not belong to me and I would like them removed ASAP. The only address that should be reflected on my credit profiles is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contact this bureau regarding fraudulent accounts that was open under my name with out my permission but as of now one is still left on my report : XXXX  credit card! This is a fraudulent account I have a ftc report with the federal trade commission and a police report to proof that these accounts are fraud see police report for more

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 2019-08-17
Company: EQUIFAX, 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:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 
XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: EQUIFAX, 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:
I contact Equifax regarding some fraudulent information on my credit and send all proof that I can to show that these accounts was in fact a fraud account including a FTC report and a police report from my local police still has of today no results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Ability Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been calling me incessantly for months now. They call and as soon as the call connects to a representative, they hang up ... as though they are trying to force you to call them back. I spoke with an agent on XX/XX/XXXX and asked who they were. They advised me that they were calling regarding a debt from XXXX where I owed {$130.00}. I advised them that their claim was fraudulent as I have been insured for the past 15 years through the same company and my maximum co-pay amount is {$100.00}. I further advised them that this debt was settled through another company XXXX XXXX. They hung up on me and have proceeded to call me multiple times daily since. I contacted XXXX regarding they debtor. XXXX  conducted an investigation and found their claims to be fraudlent and deleted the collection from my credit report. Today, XX/XX/XXXX, the same thing happened. I spoke with a representative and advised her that I was going to report them to the XXXX XXXX XXXX and the representative told me to go ahead and hung up on me. I am tired of being harrassed by this agency, who clearly does not own this debt!!! They are scammers who are trying to bully me into paying a false debt ... and damaging my credit to make matters worse!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am uncertain as to WHY these late payments are present on XXXX/XXXX  ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit 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 2019-08-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have misplaced my Wells Fargo card and havent found it. Ive been charged and and card was cut off.

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 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. 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 2019-08-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX my checking account was overdrawn by XXXX after a utility payment posted. The XXXX overdraft occurred because of a gratuity on a restaurant bill. Charging a {$36.00} fee and returning a {$630.00} utility payment all for the lack of XXXX is disgusting.

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 monetary relief
Consumer complaint received 2021-06-22
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have accounts reporting inaccurately on my report. I've contacted the credit bureau about these accounts and received no cooperation about this matter.

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 2020-10-23
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are reporting inaccurate information on my credit 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 2018-02-03
Company: Experian Information Solutions Inc.
State: MO
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 filed Chapter XXXX on XX/XX/2017 Creditors and Experian is still reporting late payments and negative information on my credit report. I submitted documentation on every account listed on my Chapter XXXX petition but nothing is being done about it. Wrong information keeps being put on my credit report which is brought my score down 60points because of 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 non-monetary relief
Consumer complaint received 2019-08-17
Company: Ability Recovery Services, LLC
State: OR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ability Recovery Services contacted me on XX/XX/19. the representative did not disclose her name, company name, the recording of the call, or mini-miranda. She asked if I could make a payment and I stated no. She then hung up. I called back and requested to speak to a supervisor. I was hung up on. I called again and made the same request. I was told I needed to find something better to do and was hung up. I called back and repeated my request a 3rd time. I was told that just because i was a collector ( untrue ) I didn't know all the laws and was hung up on. I called again and the same request for a 4th time. I was told supervisors and managers were unavailable and was asked why I needed to speak to one. I informed the rep that I had been called earlier and not mini-mirandized and the rep had not identified herself or her company. The rep stated a supervisor or manager would call back within 48 hours. Ten days later, I have still not received that call. Ability Recovery Services violated the FDCPA. 

A complaint with XXXX  was filed. 

Re : Complaint ID XXXX ; Ability Recovery Services LLC Dear XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXXs Web site ( XXXX reserves the right to not post in accordance with XXXX  policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX XXXX MESSAGE FROM BUSINESS : This matter has been placed in a properly disputed status, along with credit reporting bureaus. The Compliance Department has been advised to pull all recordings for this matter and address the collector for reprimand and retraining. Our office will have a Supervisor contact to assist Consumer in resolving this matter. Thank you

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete 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 ALL INQUIRIES 10 ) ALL LATE PAYMENT Sincerely yours, 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 2022-03-20
Company: Affirm Holdings, Inc
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I placed an order on XXXX for a starter and related auto parts on order XXXX, I also placed order XXXX for additional parts for the starter. I took advantage of the Affirm offer of monthly installments for about XXXX per month in order to pay for these items. Affirm loan details are below : Loan Amount : {$100.00} TOTAL INTEREST ( 22.53 % APR ) : {$3.00} TOTAL OF PAYMENTS : {$100.00} LOAN ID : XXXX Because I returned all these items back to XXXX, I did not make any payments to the above loan. I have disputed this loan at least three times, with Affirm and I have provided the proof of the returns to XXXX. Nonetheless, Affirm keeps this account open and has filed a late payment report to the credit bureaus that has affected my perfect payment history for over 20 years!!! Affirm will not close this account and has asked me to pay the account in full during the investigation but there should be no investigation because I provided them with the information they need to confirm the items have been returned and close the account. Instead, they continue to attempt to collect on the account and have again, reported this incorrect information to the credit bureaus about this open account which now appears to be fraudulent!

Company response to consumer: Closed with explanation