BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying my mortgage on time every month for over 20 years. On XX/XX/XXXX I mailed in enough money to apply to the principal balance and pay off the loan. I received the check back on XX/XX/2021 with a note saying the payoff amount had to be in certified funds. I called and they told me they would fax or mail a payoff statement to me but they would not give me the information over the phone or email. Then they explained they took several days to process payoffs so it would be best to add a week of interest to the payoff. My biggest issue is after reading the Payment coupon I receive every month there is absolutely nothing that says a final check that pays off a loan has to be in the form of certified funds. It took forever to get hold of someone at PHH Mortgage Services and they were not very helpful. I get it, they just want to hold off the receipt of funds as long as they can so they can make interest. I hope someone at the CFPB will look into this and get back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for HAF through state of Florida. 

Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. 

I have tried to contact them via email and via telephone ( 2+ hour wait on phone ) to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions 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:
My payment for XXXX 2017 to my mortgage payment to XXXX XXXX is missing in my Experian Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX, 2017 by my credit reporting agency

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 2018-03-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a bill from XXXX XXXX for in XX/XX/XXXX. I have have had a XXXX XXXX card for 12 years. I had not used the XXXX XXXX Card since XX/XX/XXXX because I was using an XXXX   Credit Card for all purchases under the XXXX Brand. 

I reviewed the charge and called Customer Service to report a fraudulent charge and request new cards. They took my information and mailed new cards. I then began receiving phone calls saying that my account was overdue. When I tried to access the account it reported a zero balance. 


I then called customer service to report this. They said that there had been a mistake and I never should have received collection calls. And that my account was still under review. 

I then received another bill iwth interest and fee charges attached to the initial charge. 
When I called customer service and complained that I had requested the charge be reviewed she said that they were going to continue to charge my card fees in case I was lying about the charge. Since then I have been receiving collection calls 10 times a day about this fraudulent unresolved charge. I have heard nothing from XXXX XXXX. I have a balance on My XXXX card that will be transferred and I will never shop at a XXXX XXXX store again. Help!!!!!!

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 2022-07-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX and Equifax has violated my rights. 15 U.S.C 1681 section 602 A 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 please DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX  XXXX  XXXX {$2200.00}, XXXX  XXXX XXXX {$450.00}. i didn't give XXXX equifax consent or written instructions to report the accounts listed above. Please respect my privacy and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item is what i am disputing. 
1. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX  Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.

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 2021-09-08
Company: FC HoldCo LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a auto loan with flagship credit acceptance. I got the loan refinance through a different lender of XX/XX/2021. The lender sent a payment check to flagship credit acceptance to pay the account with them in full on XX/XX/2021. Flagship Credit decided to post my account as 30 days late on XX/XX/2021. This cost my credit report to lose several points and they reported false information. Instead the account should show paid in full and no late payments. I'm highly upset because I'm currently trying to fix my credit score rating and they are damaging it 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
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
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:
There is a fraudulent item being placed upon my credit report from Citicard/Citibank that is not mine. The person ho set this account up committed identity theft in doing so because I have never had or opened an account with Citicard/Citibank. I have sent no less than 3 disputes to them regarding this matter and I have heard nothing back from them, they did not comply with Section 609 FCRA under identity theft provision. I am attaching my dispute from XX/XX/XXXX addressed to each credit reporting agency demanding a proper investigation into the matter under Section 609 FCRA and they have failed to comply with this section under The Fair Credit Reporting Act. 

I am enclosing an article from XXXX XXXX that references a lawsuit filed against XXXX  by The Federal Trade Commission in XX/XX/XXXX. This article discusses the violations of XXXX  involving their failure to provide specific records to customers asserting identity theft. As of this complaint submission Citicard/Citibank has refused to comply with Section 609 FCRA which is causing me great harm and injury to my credit report. In addition, XXXX, XXXX  and XXXX  are not conducting a proper investigation into the complaint since they are all aware of dispute under Section 609 FCRA going back to XX/XX/XXXX. This is an identity theft issue and none of the entities are complying with The Fair Credit Reporting Act Section 609. 

Please note the attachments to my complaint along with my previous disputes to XXXX, XXXX  and XXXX  under Section 609 FCRA.

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 2023-01-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The past couple years XXXX. I've had disputed improper information reported on my credit report that has not been resolved. Equifax has personal information of mine that can used on the dark web and misused by those with I'll intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
They have contacted me harassing me spamming me thats a violation I want all these items removed immediately that even belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$1200.00}

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 2021-08-23
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 5 flights through XXXX using both my personal ( XXXX ) and business ( XXXX ) PayPal accounts. I Cancelled all of the flights after Paypal chose to close both accounts ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX. However- there is no money back on my card or in my paypal account. Paypal says the money isn't there. XXXX says the money has been refunded. However- XXXX has provided receipts of their return ( attached ). 
Paypal Transaction IDs : XXXX XXXX XXXX XXXX XXXX {$30000.00} Paid and no refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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:
Recently, XXXX reported a XXXX point drop in my credit in one day .they send me a report via e mail telling me that I had inquired from XXXX XXXX and XXXX on my report. Then told me I must send them money to upgrade how my credit is reported in order to remove them. 

Now I have a credit freeze on my XXXX account and and have not applied or asked for credit from any one. 

I also pay all my my bills as directed by my bankruptcy plan, and they know I can not keep being penalized by reporting that. 
I XXXX and XXXX XXXX collect money on their end and with the advent of Covid, family members are trying to connect and use those systems which have some how been captured by XXXX to put on my report, not for XXXX to go and double dip. Ancestry queries have nothing to do with credit reporting.. I use them too find out family members and locations, and I hope I not hurting people by verifying information on a heritage chart. 
XXXX knows medical information must be removed from credit reports this year and must find sone other gig to keep their company going at consumers expense. 

This practice is not fair, my job went bankrupt during this Covid stuff and many people have died. You can not charge people that are looking for family and make profit off their search. Like I said people have already paid, they are not creditors, XXXX needs to stop this practice or get out of the business trying to hurt people at the expense of the economy. I want all such inquires removed off my account immediately and to stop the shenanigans playing with my life. XXXX do right by your consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to XXXX, Equifax and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for Equifax. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: CT
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:
My husband and I took out a joint loan for a XXXX XXXX ' XXXX. After two weeks, I discovered that I was mislead and told false information to get me to purchase the timeshare which is considered illegal. After about 1 year of complaints, and time and money spent on a lawyer, XXXX XXXX agreed to take back there timeshare and stated in a contract that I will not be financially responsible for any late payments or maintenance fees. My husband and I have now disputed our credit file for the past 3 years trying to get our credit file to get this account removed or updated to have the past due payments removed off our account. I am not liable for any past due payments due to the signed agreement, therefore no late payments should have been reported on my account. I never paid this account late, I was told by my lawyer that XXXX XXXX canceled my account so I stopped paying believe everything was settled and complete. But I never received any documents from XXXX XXXX so I finally had to make complaint with BBB against XXXX XXXX, then I finally received a verbal and written letter that our loan and contract was canceled and that we will be no longer be liable for any past due and future obligations. We had to sign and notarize the letter. I have provided several documents of proof to Experian over the past 3 years and I always get the same answer regarding the dispute, file is reporting accurately. But it is not. When you call Experian, you either get a dial tone, someone who doesn't understand or you get transferred and sit on hold for hours. I would like the CFPB to please investigate my dispute with Experian, I just really need help in this matter. Our credit is being destroyed because of this one invalid negative item on our credit files.

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 2018-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been banking with Capital One 360 since XX/XX/XXXX. In XX/XX/XXXX, I was unexpectedly laid off from my job and had some financial difficulties which caused some overdrafts on my checking account. In XX/XX/XXXX, I finally found another job and was able to have a direct deposit go into my checking account to satisfy the overdraft and bring a positive balance into my account. I ordered a new debit card on XX/XX/XXXX and received it by mail on XX/XX/XXXX. I activated the card with no issue using the XXXX mobile app. I then proceeded to use my debit card but the transaction was declined. I immediately reached out to customer service and spoke with a representative who stated that my account had been restricted and I couldn't have access to my funds. He advised me to go on to their website, open a new checking account and call them back so that I could link my new debit card to the new account. He assured me this would be no issue. I followed his instructions but was denied opening another account. I called customer service again and spoke with another representative. I explained to her what was going on and what the previous rep advised. She then begin to give me the same explanation about the restricted account and stated that not only would I be denied from opening another account at this time but that I also had to wait until Monday to speak with another department to see what my options are about accessing my money. I asked the rep why wasn't I given any notification that my account was being restricted. She could not answer that. She also advised me that my deposit should have been rejected and that there was no way that I should have been able to order a debit card on a restricted account. I was never given any notification of such an action. Capital One has my mailing address, my email address and my phone number, why was no letter received?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I reviewed my credit report and have noticed there are several inaccurate addresses, phone numbers, employers and negative accounts etc that are not and has never been associated with my Name Or Social Security number. My credit report has been violated seriously, These corrections needs to be made immediately. In conclusion to this letter, please note the following consumer laws has been violated.

( 1. ) 15 US Code 1681 Section 602 ( A ) ( 2. ) 15 US Code 1681 Section 602A Section 2 ( 3. ) 15 US Code 1681 C ( A ) ( 5 ) ( 4. ) 15 US Code 1681 S-2 A1.

( 5. ) 15 US Code 1681 I5 Sincerely, 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 2021-08-23
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:
there is incorrect information on our credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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:
there is incorrect information on our credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
See document attached

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