BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to refinance with XXXX XXXX  since XX/XX/XXXX. I found out that I have a lien on my property from XXXX XXXX XXXX from XX/XX/XXXX for a line of credit XXXX in which I owe XXXX dollars on. I have the property title report from XXXX XXXX  dated XX/XX/XXXX that shows GMAC Mortgage on title report. I also went to XXXX XXXX County recorder and pulled Deed of trust and assignment of rents to see if I had full reconveyance I did not. I also pulled credit report from all 3 agencies no judgments. GMAC Mortgage did not close out this account. Since XX/XX/XXXX GMAC no longer does business I have called Ally Bank which took over some of GMAC loans in which XXXX said I am not with them XXXX XXXX verified me by social security and property address. I also contacted OCWEN the debt collector that bought GMAC debt they also verified that I am not with them either. I also found California civil code 2941.7 statue of limitations it has been well over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: AES/PHEAA
State: IL
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:
In XX/XX/2020, after completing my annual re-certification for my income-driven re-payment plan, I received notice my payment amount was increasing by over {$200.00} to {$540.00}, despite a minimal-moderate increase in annual income. I called Fed Loan Servicing ( XXXX. XXXX XXXX XXXX, PA XXXX ) and spoke with a female employee who informed me that if I re-applied for a different income-driven plan, the ICR, my payment amount would only increase by approximately {$100.00}. So I did this. Today I received notification that on the ICR repayment plan my monthly payment is {$870.00} instead of the previously quoted {$440.00}. 

I called Fed Loan Servicing and spoke with a male employee who researched the huge discrepancy for me. He was able to determine that the employee in XXXX miscalculated the payment amounts and that in order to have a lower payment amount, I would have to re-apply AGAIN for a different repayment plan. They were unable to provide further assistance or make this change themselves, even though it was their error. 

I have submitted a new application and will also be researching private loan options. My issue with Fed Loan Servicing is that EVERY year I have to call them due to their errors. They give me mis-information often and no employee is consistent in providing assistance. I have experienced paperwork and calculation errors with them since the inception of my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEFENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE XXXX XXXX XXXX XXXX CASE 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2018-08-03
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home loans is responsible for my homeowners insurance. XXXX XXXX is the underwriter for my insurance ( or lack thereof ). On  XX/XX/2017 Caliber paid {$1000.00} for my then current insurance premium ( this # was taken from Calibers ' website for my account ) and when I look at my insurance documents from XXXX XXXX this is the amount they show for the premium. I recently filed an insurance claim for wind damage to my roof only to have XXXX XXXX tell me insurance lapsed last year due to a payment discrepancy. Caliber shows they paid, XXXX says they didn't and at the end of the day I'm left holding the bag. I seriously need help with this. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
XXXX XXXX XXXX is a non for profit volunteer organization that has run youth baseball for around XXXX kids a year for many years. We had our treasurer who is now in jail deposit checks made out to our biggest vendor, XXXX Sports and deposited them in her personal bank account. Bank of America is the bank she used and they let her deposit a check completely made out to someone else and put in her personal account. I have the name and police report number so you can verify the above but you said don't put personal names on this complaint form. The checks were made out to XXXX Sports and signed by this person and deposited in her personal account. We feel this is complete fraudulent endorsement and Bank of America had lack of adequate banking controls to protect its customers. They are taking no responsibility in this and we are now out {$66000.00} in 76 fraudulent checks over a 12 month period. When we did our yearly audit we found the negligence on Bank of America and proceeded with prosecution of treasurer. She is now spending 3 years on guilty plea deal in prison. Our insurance company doesn't cover this type of loss and we our left with having our kids suffer for the pure unprofessional acts of Bank of America. How can a bank possibly think this is fair, they either had a employee in on the deal or had such a lack in banking skills that would allow someone to allow this to happen.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$7500.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$2600.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2018-02-18
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: Account status incorrect

Complaint:
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

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 2023-05-25
Company: EQUIFAX, INC.
State: TX
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$9400.00}, XXXX XXXX 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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had multiple inquiries and accounts appear on my reports that are not mine. At least 2 accounts and 16 inquiries were not opened or made by me. I have submitted my information and reports for your review.

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 2018-07-25
Company: BlueChip Financial
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX in XX/XX/2018. I agreed to pay {$130.00} every 2 weeks with the understanding that my last payment would be XX/XX/2018 would be my last payment. They claim I missed a payment, but the fact is when I set up this loan they didn't tell me I couldnt use a prepaid debit card. Now they want to charge me 399 % for a missed payment. Which means I have to continue paying until XX/XX/2018. Also they are telling me they no longer service my state ( Maryland ). If I want to pay the loan off it would cost XXXX. They said the interest is compounded daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a flier in the mail stating that I had been approved for a {$2000.00} " line of credit. '' When I spoke to the representative it was explained to me that I could borrow various amounts up to the {$2000.00}. XXXX payments were broken up over each of my pay periods ( bi-monthly ). I borrowed {$600.00}. The repay amount seemed reasonable and I thought I would be finished with the loan in 3 months. It was not explained to me that there is a fee per {$100.00} charged each time a " Draw '' or borrow was made until later. I could not understand why it was taking so long to repay the loan. I contacted the company to inquire about it and that is when it was explained to me about the fee charged to borrow. The fee is taken off the top along with excessive interest making it virtually impossible to repay the loan. This was explained to me to be a " line of credit '' but the fees to borrow money and the interest on the money borrowed is misleading. This is not a " line of credit '' this is a " lifetime '' payday loan. The company is charging 299 % interest each pay period for each payment. Unlike a line of credit loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is , I request that XXXX XXXX XXXX,XXXX XXXX formally substantiate account dataXXXX XXXX XXXX,XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX, withrespect to the unverified  accounts. Since errors may becontained within in that data, I hereby request that your company collect andforward the formal validation within a month of receipt of this request. In additionplease supplement with materials which verify that the account was not utilized as aprofit-loss tax deduction after my time as a student. I need more than a summaryone-sheet. Instead, I have demanded a substantive validation. Should you be unableto comply with my request during this reasonable period, any data disseminated fromyou to the major consumer reporting agencies must be considered counterfactualand may bespeak XXXX XXXX XXXX,XXXX XXXX desire to ignore consumer protection law. If thisis the circumstance, kindly annul such bureau reports upon your next transmittal.Thanks sincerely for your assisting 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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected immediately : 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 2019-03-08
Company: U.S. BANCORP
State: MA
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:
US Bank will not remove a late payment status from my account, from XX/XX/2017. I leased a car from US Bank ( never again, they are horrible ) and set up autopay with my bank. My bank ( XXXX XXXX ) did not release payment because they saw fraudulent activity on my account and stopped all payments to protect me. I tried to explain this to US Bank and I had the worst experience, being bounced around on the phone, put on hold for extended period of time, dropped or disconnected calls, telling me someone would call me back, etc. I could go on and on. My bank tried to protect me, they wrote a letter to US bank and US bank would not do anything. I apologized for the mistake which I wasn't aware of until after 30  days went by and then payment was 31 days late. US Bank then put a strike on my credit. If you look at my credit report I have never been late with a payment in my entire life. I do not carry credit card balances, I pay my mortgages off in full when I can. I had a credit score of XXXX and when US Bank did this to me my score dropped dramatically. It was a mistake which I apologized for and which I never made a mistake like that in my life spanning 40+ years of excellent credit, I think that they should correct it. Also, given the fact they my bank, XXXX XXXX, wrote them a letter explaining why they didn't release payment. Again, I set up autopay from my bank to US bank as soon as I leased the vehicle from them. I also had autopay set up from my previous lease with XXXX XXXX and never had a late payment. I am upset that a mistake was made, never intentional, and as soon as I was aware of the mistake I called US make and made three payments over the phone. Any help you can provide is appreciated. I have attached all of my documentation, letters to US bank, letter from my bank, proof of my on-time scheduled payment from XXXX XXXX to US Bank, and 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 explanation