BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan is owned by OCWEN Loan Servicing. Ocwen 's CEO was criminally charged for inside trading and Ocwen purchased PHH Mortgage Services to hide from its bad reputation and place our account in care of XXXX XXXX on behalf of PHH. Ocwen removed from its statements or did not instruct PHH to include a detailed description of the Deferred Principal Balance or Balloon Payment. Ocwen 's statements depict my additional payments as credited to the " Deferred Principal Balance '' payment, which originally began at {$40000.00}. It is now at {$14000.00}. However, Ocwen through PHH now claims that I can not make said payments, ( after challenged ), it states that I can, but that it will not apply my payment as I request. Rather, it will apply it as it wishes and will be identified as Extra Principal, which is NOT the same as an extra payment toward the Baloon Payment. I have made numerous calls and spoken to Supervisors, I emailed the head of the Board of Supervisors and am waiting for a response. A series of changes have taken place. 1. First Ocwen credited my payment as I requested, 2. then after it purchased PHH , it did not. 3. Then after I complained and being told that I can not pay toward my Baloon Payment, it did but only for 2 months. 4. Ocwen/PHH again is not crediting my account as I request. 5. Ocwen/PHH refuses to provide a detailed statement to include my Principal Deferred Balance, Balloon Payment or as they identity if, my " 2nd loan ''. I spoke to a PHH Supervisor and am still waiting for confirmation of correction. I spoke to another Supervisor and I am told that Supervisor # 1 is new and doesn't know much. I am still waiting to hear from Supervisor # 2. Why am I being forced to spend so much time on a matter that should be on my statement? Ocwen/PHH is failing to provide me with an itemized detailed statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: ALLY FINANCIAL INC.
State: IL
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 XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. 

XXXX XXXX XXXX  XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. 


XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

ALLY FINANCIAL XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report 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 explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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 have sent multiple letters, called the bureaus, and sent in previous CFPB complaints regarding these hard inquiries. The dates that are associated with these inquiries I DO NOT recognize. I believe someone is attempting to open accounts under my name. The following hard inquiries I need them to be taken off. By law, these entities are supposed to be reporting accurate information. My reputation is being soiled and it is making it extremely difficult to apply for an apartment. I am being disrespected and my rights are being violated as a consumer. XX/XX/22 XXXX XXXX XXXX ( Equifax ) XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX ( XXXX XXXX XX/XX/22 XXXX XXXX XXXX ( XXXX ) XX/XX/22 XXXX XXXX  ( XXXX ) XX/XX/22 Onemain ( XXXX ) XX/XX/22 XXXX ( Equifax ) XX/XX/22 XXXX ( XXXX ) I have submitted an identity theft report on my behalf to move this process into completion. I have also attached forms of identification in additional documents for the companies use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The below mentioned collection accounts are reporting as " open '' accounts with XXXX and Transunion. The accounts are reporting incorrectly and inaccurate. I have sent several disputes to XXXX and Transunion regarding this issue. Please have the accounts removed. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. 

ACCOUNT NAME : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-05-03
Company: FIRST NATIONAL BANK OF OMAHA
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First National Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-05-29
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were approved for a mortgage through Quicken Loans and fully disclosed our financial information and supplied all documents requested on time. On the morning of our closing date, our closing representative called to inform us that our loan was cleared to close and ready to go. Two hours later we received a phone call from a different closing representative telling us that our loan was being denied because they were never informed that our employer was a relative and that goes against their policy of offering loans to individuals employed by relatives. Besides the fact that this policy is very anti- American small business and anti- family business, we actually made this fact known from the beginning with this company. It was no secret. We told our pre-approval representative a month ago, and our closing representative weeks ago that we were taking a job in the family business, and our offer letter that we provided during our pre-approval and our closing both clearly had the names of the family members ( same last name ). We specifically provided this information and asked for reassurances so that this would not be an issue. The offer letter was approved, the loan was conditionally approved, the closing was cleared and we were assured that everything in our file looked excellent. And still, we were denied due to an eregious oversight by Rocket Mortgage of Quicken Loans. They clearly did not listen to us when we provided information and then proceeded to string us along for weeks. Now we lost any chance at getting our house because they waited until the last day to deny and now it will be impossible to find financing in time elsewhere. This was a gross, egregious and negligent handing of our loan and customer service. We recommend not using Quicken Loans, and suggest looking elsewhere to avoid the headache and heartbreak. If I could give zero stars I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 1681. 
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 15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681 C. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate..

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 2018-12-13
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, XXXX XXXX  XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) 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 2020-05-29
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am receiving derogatory remarks on my credit score on all credit reports from an account in collections from a company I do not know nor recognize and do not owe {$2300.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 3rd complaints that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We are on Government orders to live and work overseas. We have a loan with TOYOTA Financial. Our XXXX XXXXXXXX XXXX XXXX, is stuck at the US port and can not be shipped overseas because Toyota Financial refuses to provide us a copy of the title, so we can provide to the Government transportation company. We have been without a vehicle for 6-weeks with no end to this dilemma in sight. We have been Toyota customer for over 15 years and we can not believe how Government employees are being treated during theses difficult times. We've left friends, family and belonging behind and now we can not even ship our vehicle because Toyota Financial will not support families transferring overseas on Government order and assignment. 

The Gov shipping company will not move our vehicle without a copy of our title. The loan is financed and we are current on all payments. 
We have been made been communicating on the phone for 4-weeks trying to get the title issue resolved no avail... We are being held back financially without a vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: ND
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus.

Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either.

So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC.

I want the account closed, no fee, and nothing more to do with HSBC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX Account : XXXX has been paid and closed since 2007 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2020-09-11
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I am in the process of obtaining approval for an SBA loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Comerica
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:
Money was taken out of my account at a time before XXXX from a person or merchant in the amount of XXXX, I recieved at the time XXXX or so a month to live on from SSI.and it obvios this guy new how to milk a card and my bank or the fruad department they sent me three different letters the first time all saying different things. The little information I could get from the bank did not in fact come from the fruad department as to this day not one of them has taken my phone calls Just on hold for hours and hang up. I have texted the so called merchant with no response as well. I want real legal action and people who are clearly incompetent should be fired the Bank is Direct Express a branch f of Comerica. It's wonderful to be ignored like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
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: Information belongs to someone else

Complaint:
These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -EQUIFAX XXXX -- XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was never notified to verify to verify the validity of this debt..My insurance policy was up for renewal i decided to go with a different insurance company.and never should have been billed for new charges.and i still today have the same insurance company that i changed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied over the phone for a Navy Federal account. I also applied online for a Mortgage. Almost 7 days later, no one has contacted me on the mortgage. I called Navy Federal. 2 associates refused to help me because the initial representative miskeyed my DOB. The " supervisor '' I spoke to has MLS # : XXXX. The correct DOB was on the mortgage app and I asked them if they could verify it from that source - they refused. I asked if they could verify it from their CIP source, they refused. I also offered to verify any other piece of information, including the funding information for the account used to fund the Navy Federal Accounts or any piece of data from the mortgage application. They refused. They completely refused to help me because of an error their own associate made when they opened my account. 

I can't get information on my own accounts, or status on a mortgage application and I find that to be completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation