BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello! 

Re : Lender XXXX XXXX formerly XXXX XXXX Loan # XXXX I am writing you this letter of complaint in respond to the recent letter received from OCWEN under CFPB Case # : XXXX. 

After a careful review of the said letter, I realized that the bank that I should need to question should be XXXX XXXX. 

The moment I read the copy of the Fixed/Adjustable Rate Notice, I/we ( my husband ) were in total shocked! 

I recall XXXX calling us all the time and later convinced us to sign up for a great fixed second mortgage loan in which we later on decided to it with payments of at least {$600.00} or so each month. 

However, it was only agreed based on a fixed rate, not adjustable or it will not be entertained - for both 1st and 2nd mortgage. There was no way for any lenders to convince us on switching our fixed rate into adjustable, period! Otherwise, we believe the letter is not true! 

Also, Id like to know the previous name of the lender with the loan # before XXXX took over as I believe that our original interest rate was roughly 4.5-4.99 % fixed for 30 years ( home mortgage loan ). 

We acknowledge the signatures, but we have not seen this letter nor would have signed/approved for it! 

Again, we purchased our house at {$210000.00} in the year of XXXX. 

The letter from XXXX Bank was dated back in XX/XX/XXXX. Therefore, we would like to request them to send us all copies on how they came up with the {$340000.00} from the original/initial purchase at {$210000.00}, that is a difference of {$120000.00} plus the second mortgage loan of at least $ 60K or so? 

So my questions is, where did the money go? We didnt we see any money that was issued or deposited to our bank for over $ 100k? I need to see a deposit amounting the difference, copies of the checks and what bank it was deposited to? So we would like to know how they have acquired the amount of {$340000.00}, plus the second mortgage? That is a lot of money for us to borrow and why would we need that in the first place? 

Now, we need to see all the breakdown and calculations for both 1st and second mortgage, including : 1. 1st and 2nd mortgage payment LEDGERS, 2. Bank name we use to pay the 1st and 2nd mortgage so we can check them against our our bank for facts and proof. 
3. Copies of all loaned money showing the check # and which back it was cleared under? 
4. Full detail explaining on how the total from@XXXX went up to {$340000.00} in addition to the 2nd loan mortgage??? 
5. And all other facts proof of all the entire calculations from day one since you took over! 

Sincerely, 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX  XXXX IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX XXXX5 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 of 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 non-monetary relief
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Subject : Request for CFPB Assistance RE : Freeze Credit Reporting Under the Fair Credit Reporting Act, I submit the following complaint against Experian for violating the FCRA. 

Problem : In late 2020, I filed a formal XXXX  complaint against Experian [ ID number is XXXX  ] for various violations of the Privacy Act associated with their Experian boost program. Since that time, Experian decided to retaliate for the XXXX complaint with a unilateral and arbitrary action declaring that my entire credit was Frozen Due to Federal Legislation. Furthermore, they have refused to update my credit report, accept my online disputes and most recently denied access to the Experian website altogether by and through their support service.. Experian is now violating my Consumer Protection and Consumer Credit Rights under Colorado and Federal statutes by freezing access to my credit history in a deliberation effort to deny credit. In order words, Experian has taken serious steps to deny complete access to all of my credit accounts. They also have reported inaccurate FICO scores for me and my wife which have been also disputed without success. 

I have reported their actions to the various financial institutions reporting to Experience who also have noticed that both my wife and my accounts were frozen or simply not update in accurate financial data. Enclosed attached is a Credit Bureau Report clearly shows that the file frozen to federal legislation statement. 

My Concerns : I believe because Experian is refusing to accept responsibility for the earlier XXXX complaint ( ID number is XXXX ), they have now taken steps to adversely impact our credit file, access to the credit file and accurately reporting FICO scores to creditors and financial institutions. It is this very reason ; I filled a formal complaint with the CFPB and continue to seek a just and fair remedy. Until Experian fixes these problems and provide a full accounting for their action, this complaint remains unchanged. 

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 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : : XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX Account # 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 an 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 non-monetary relief
Consumer complaint received 2018-10-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
BMO Harris Bank refused to disclosure of 1st position balance to a XXXX XXXX, subordinate lien holder for the property at XXXX XXXX XXXX XXXX XXXX XXXX for the borrower XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 initiated 4 invoices and they were paid on the Square Invoice system. Afterwards I was asked to provide a list on identifying docs via email, which I did. On XX/XX/22 I was informed that my account was deactivated and provided to reason as to why and informed that my balance of {$1900.00} would be on hold for 90 days and that I would have no access to the funds prior to then. I called and tried to get some resolution, but to no avail. Waiting for 90 days for funds that I rightfully own is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Statebridge Company
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I submitted a payment to Statebridge ( STATEBRIDGE CO ONLINE PMT XXXX ) in the amount of XXXX. I also called and spoke to XXXX and informed him that I was starting to double up my payments. Moreover, the additional payment should be applied to the principal. He assured me that he would create a " task '' for another team to apply the payment to the principal. On XX/XX/2021, the payment appeared on my account on the Statebridge Company 's website. However, it was identified as an unapplied payment. I contacted Statebridge Company again and spoke with XXXX ( not sure on spelling ). She informed me that she confirmed XXXX 's data entry. But she could not provide any time frame that the amount would be correctly applied to the principal. It has been 5 business days since Statebridge Company acknowledged and recorded my additional payment in their system and has still failed to properly apply to the principal. 

Feeling extremely frustrated, I called again and requested a payoff amount. I was informed that I can not request a payoff amount over the phone. I must submit an email. I submitted an email on XX/XX/2021. I received an automating email asking for my account information, payoff date, etc. I responded with all the requested information. I have NOT received my payoff amount as requested. 

I am extremely concerned that when I do submit the final payment, that this company will again fail to properly credit my account. 

In looking for assistance, I looked for support from the XXXX. When researching this company, they have a D+ rating. 

I am confident that there must be many more complaints about Statebridge Company.. With so many complaints, I am not sure why the CFPB has not thoroughly investigated this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.

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 2023-03-16
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:
On XX/XX/2023 I send in disputes letters to experian, TransUnion, and XXXX. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date 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 2017-02-16
Company: POLARIS HOME FUNDING CORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Received a prescreened offer from Polaris Home Funding Corp to refinance my mortgage. It looks like a pretty shady offer but my main issue is that I do n't think they are following the federally required guidelines for pre-screen offers. They should be required to provide more information about opting out of pre-screen offers, including the addresses of the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: WI
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:
When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Need Them Removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Need Them Removed!

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 2022-08-13
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
That person scam me. I hired a specific service that he was going to do for me and after making XXXX payments, he just disappeared, didn't complete it, he wanted more money and I didn't give it. He stopped responding and I think he blocked me, I have all the evidence here. I have numbers and the IP of the person. 

I tried to contact the bank when the transactions still pending, but they don't reverse it and didn't want to give my money back. 

the payments were to through XXXX : XXXX XXXX - XXXX - {$85.00} XXXX XXXX - XXXX - {$100.00} XXXX XXXX - ( XXXX ) XXXX - {$100.00} Date/Time XXXX XXXX XXXX XXXX XXXX XXXX Country United States XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/22, XXXX AM XXXX Complaint Referral Form XXXX XXXX XXXXXXXX # XXXX Other Operating System XXXX XXXX User Agent XXXX ( XXXX ; XXXX ; XXXX XXXX ; XXXX ) XXXX XXXX XXXX XXXX Referring URL no referrer Host Name XXXX ISP XXXX

Company response to consumer: Closed with explanation