BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: Premier Auto Sales, Inc.
State: AZ
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:
On XX/XX/XXXX, my son went in to Premier Auto located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. He went in to see about purchasing a used car with his fiance. 

My son 's name is XXXX XXXX and since I had been into this dealership 1 1/2 years ago, they still had a file for me under XXXX XXXX XXXX on XX/XX/XXXX my new legal name was XXXX XXXX XXXX The salesperson assumed that my son 's fiance was me and he pulled my son 's credit and my credit. He pulled my credit without permission. I was not even at the dealership. I was not co-signing and had nothing to do with this transaction. 

I received a notification from 2 of my credit bureaus that a hard inquiry was done on my account and immediately contacted the dealership. My son was still there and confirmed that he never even brought up my name. The salesperson apologized and said it was his fault but didn't know how to fix it. I have been dealing with XXXX at XXXX since XXXX to get this inquiry off my credit report. Although he has been helpful and responsive, the inquiry is stil on XXXX  and XXXX  and it has been approximately 3.5 months. I am getting frustrated and feel that they are giving me the run around. 

All that I am requesting is that the hard inquiry be removed from both of my credit reports as they pulled my credit report fraudulently. 

Thank you for your time. Please contact me if you need further information.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-10
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: Reporting company used your report improperly

Complaint:
I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, XXXX, and Equifax have a bankruptcy on my report. 

I reached out to the company XXXX about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We want the CFPB to have Ocwen show how they could service a loan for a company that was out of business before we got the loan? 

We would also like the CFPB about Ocwen 's breach of contract. Ocwen started servicing our loan, XX/XX/2013. They applied the first payment on time but charged us a late fee. 

Also, we would like the CFPB why they breach our contract from XX/XX/2013 - XX/XX/2013 without paying our homeowner 's insurance? When we requested a rescission all of the TIL disclosures were incorrect and Ocwen had been in breach of our contract for failure to pay XXXX for 6 months. This violates RESPA and Georgia Residential Mortgage Act.

False disclosures are the same as non-disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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: 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 confidentially under 15 USC 1681. 

XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have right to my 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 State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then convictions of crimes which antedates the report by more then several 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 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 2017-11-07
Company: ECMC GROUP, INC.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried to reach XXXX numerous times through the 3 credit bureau's since XX/XX/XXXX 2017 in regards to in accurate information reporting on my credit report. They are reporting duplicated and inaccurate information in which is killing my credit file and costing me thousands of dollars in interest every year.XXXX  /Account# XXXX****is reporting 4 times on my credit report with the same account number.

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 2019-02-14
Company: Ditech Financial LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ditech Financial LLC. put a lien on our mortgage and we didn't know it was on there until we were selling our home. Plus, the lien is over 10 years old and The original holder been out of business for over 5 years. When we sold our home Ditech Financial LLC., took out money from the sell. We then went to our lawyer and they told us to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
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 have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent 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 non-monetary relief
Consumer complaint received 2020-12-01
Company: Concord Servicing Corporation
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Concord Servicing is the BIGGEST, RIPOFF Company that EVER EXISTS!!! I wish there was a MINUS RATING that I could give them they REALLY DO DESERVE IT!!! DO NOT EVER DO BUSINESS WITH THEM IF YOU HAVE A CHOICE!!!! I had an account through XXXX XXXX and and never missed a payment or never late on a payment. After a few months XXXX transferred my account along with thousands of others to CONCORD SERVICING. WHY my account got transferred is a mystery to me. My payment was due on XX/XX/2020. I called Concord to make the payment and was told that they could not take my payment ( so they REFUSED my payment ), I was told to call back on XXXX XXXX, I called them then and was told the same thing that they could not take my payment and to call back the next day. I called again on XXXX XXXX and was again told they same thing that they could not take my payment and to call back the next day. So I called again on XX/XX/XXXX and was finally told that they had my account transferred over in their system and that because of the delay and the fact that it was their fault they were waiving my XXXX payment and that my next payment would be due on XX/XX/XXXX. I logged onto the website today ( XXXX XXXX ) to make my payment and it shows that I am 30 days behind in payments and there is 2 months payment due. My XXXX payment was NOT WAIVED as promised. I called in to complain about it and was told that yes they did make a mistake in their computers and that the people I spoke with in XXXX LIED to me ( and MANY others ) and gave me incorrect information and that XXXX payment is still due along with XXXX ... I am XXXX and live on a tight budget so with that and all of this XXXX issues it really helped to not have to make a payment for XXXX. BUT now I find out that XXXX is screwing me over and messing up my credit rating and causing MAJOR problems and inconveniences this month. WHAT A HAPPY HOLIDAYS this is going to be!!! And DO NOT expect any compassion from ANY of the people that you will talk to on the phone. I have called many times and have NEVER spoke to ANYONE who can speak more that 2 words of English in a row, it is almost impossible to understand them without asking them to repeat themselves over and over again. These people DO NOT CARE that they are hurting their customers!!! So like I said at the beginning - DO NOT DO BUSINESS WITH THESE CROOKS!!!!

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 2023-03-28
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my XXXX  XXXX  account and I have a debt collection from XXXX  XXXX. I have not had an account in my name for them in years and as far as I know I do not owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Forced to move from XXXX at XXXX XXXX apartments in XXXX XXXX, FL due to foundation issues and mold. The foundation was literally on jacks when I moved. My lease was up and the apartment complex kept my deposit for reasons unknown. Never had any damage to the apartment on my behalf after 5 years. They never replaced carpet or painted as promised afterbeach year during lease renewals.

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 2020-12-01
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I closed on my home and the original home loan provider was XXXX XXXX XXXX XXXX XXXX. This is a VA home loan escrow with a monthly mortgage payment of {$1200.00}. Shortly after closing, XXXX XXXX XXXX XXXX XXXX sold the loan to another loan provider named Mr. Cooper. My first mortgage payment was due in XX/XX/XXXX and since then, I have made my monthly payment at the start of each month. 

I do not use Mr. Cooper 's autopay feature. But rather I use my bank XXXX XXXX XXXX to initiate payments. Also, I do have an online access to my statements through Mr. Cooper but because my monthly mortgage payment was consistent thus far, I had no reason to access my account through Mr. Cooper. 

On or about XX/XX/XXXX, I received an email alert from XXXX  credit reporting company that a change in my credit was detected. That change is a 30 day late payment for XX/XX/XXXX loan payment for my mortgage through Mr. Cooper. 

I accessed my XXXX XXXX  account and confirmed a payment of {$1200.00} was sent at the beginning of XXXX XXXX well before 30 late payment date. This {$1200.00} was not returned. Because it has been several months since I had accessed my Mr. Cooper account, I did not remember my log on credentials to verify Mr. Cooper received my payment. Instead I spoke with a customer service representative and it was explained my escrow amount due had increased. Specifically, my property taxes increased by {$100.00} per month. 

This property tax increase was unknown to me. I did not receive any notification from Mr. Cooper by any means. I did not receive any notification from the city of XXXX, XX/XX/XXXX As a new homeowner, I never had any inclination of a tax increase. 

Mr. Cooper did not apply the XX/XX/XXXX payment of {$1200.00} to my home loan and did not inform me. Instead, it was kept into another account with that amount " suspended ''. Because my XX/XX/XXXX payment was not applied, this triggered a 30 day late payment on my XXXX  credit file. 

The customer service representative I spoke with stated that Mr. Cooper has a policy that if amount owed vs amount paid is {$100.00} or greater ( in my case {$100.00} ), they do not apply the loan payment thus triggering a 30 day late payment after XX/XX/XXXX. 

I had also made a {$1200.00} payment at the begging of XX/XX/XXXX. Because the credit reporting monitoring service alert came before XX/XX/XXXX, I was able to add an additional {$100.00} to my XXXX payment thus preventing a 30 day late payment for XX/XX/XXXX. I also paid the XX/XX/XXXX difference of {$100.00} at the same time with a {$200.00} one time payment. 

Currently, I am in good standing with my mortgage through Mr. Cooper. However, without a credit reporting monitoring service through XXXX  and their failure to inform me, the XXXX payment would have turned into 60 day late payment on XX/XX/XXXX 90 days late on XX/XX/XXXX, and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I feel like because the interest rates are sky high now, as a normal class hard working family its unfair how the banks are taking advantage of us with the interest fees and all. 
My HELOC l, because its not on a fixed rate plan it fluctuates according to the federal interest rate. My payments have doubled and I am not even paying the capital. 
So banks are making money while we are loosing our homes. 
How fair is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: TX
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 recently had my credit report pulled on XXXX XXXX and I noticed there were several hard inquiries that were removed and have been reinserted. I called Experian and spoke with a US representative who removed those hard inquiries. I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquires that are being incorrectly reported be removed IMMEDIATELY.

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 2023-12-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$23000.00}

Company response to consumer: In progress
Consumer complaint received 2023-09-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I I got a hard inquiry from XXXX XXXX that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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. 

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 2023-11-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The company is reporting a car loan that is not my social security number on my credit report from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Wells fargo in XXXX 2015 about bringing my loan current. I had spoke to a counselor or supervisor and was told i made ~ {$1500.00} payment before XXXX XXXX 2015 i would be brought current. I made two separate payment of {$700.00} and was contacted by the same agent asking for another {$140.00} to be brought completely current. i made that payment as well and was advised i am completely current and would need to make regular payments beginning XXXX 2015. I continued making payments but on my bill it showed i was still delinquent and there had been other late charges applied to it. I contacted them several times about this to no avail. Then one time i was told this balance was carried from XXXX 2015. I have asked them repeatedly to listen to the calls from XXXX and XXXX to sort this out but they refuse to do so. instead they have been adding " other charges and fees '' to my bill and have brought the total amount due to over {$2000.00} and have adversely affected my credit.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-03-28
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Discover in XXXX and XXXXXXXX XXXX XXXXXXXX to dispute all transactions made on my account for the time period of XX/XX/XXXX through account closure XX/XX/XXXX. Discover denied my dispute stating account consistent with account holder 's prior activity. However, I didn't make any transactions or authorize anyone else to utilize my account. I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and I am still on a ankle monitor on home confinement. I submitted proof of my incarceration but Discover still refuse to refund my money. How they arrived at their conclusion is inaccurate I was incarcerated and reviewing the transaction they were made in different state from where I reside. The transactions totaled over {$600.00}.

Company response to consumer: Closed with monetary relief