BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've always paid on time to my mortgage company who was XXXX XXXX. When C-19 hit, my income was reduced and I was struggling to make payments. On XX/XX/XXXX, XXXX from XXXX suggested that I go onto their forebearance plan and she explained that my account would not be reported to the credit bureaus and that I would resume making my monthly payments at the end of the time specified with no penalties, additional interest or late fees, but the principle amount unpaid during this time, would still be required and would be added to the back end of the mortgage, ( extend my original payment scheduled ). They then extended it for a 180 days on XX/XX/XXXX ( message below ) I was to start payments again on XX/XX/XXXX. In XXXX or XXXX, the loan was sold to PHH Mortgage. They reached out to confirm that the 1st payment would be on XX/XX/XXXX and I was given a new account number. A gentleman phoned me yesterday to confirm the beginning of the payment schedule again since it's in 1 month and then asked if I was going to pay all $ XXXX that was owed else it will go into foreclosure. I told him that I didn't understand what he was referring to and he said that I was responsible to pay everything at once unless I was not interested in keeping the property. He said that XXXX was incorrect. 

I don't understand. This is not what I was told by XXXX. If I wasn't able to pay my $ XXXX monthly morrtgage, how am I supposed to pay a $ XXXX fee all at once now? I don't have this kind of money and I don't want to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BROKER SOLUTIONS, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with New American Funding almost a month ago. Their provided me a pre-approval for amount of XXXX as FHA. After a month, I received an Email from their representative, XXXX XXXX, XXXX XXXX, in regard to employment verification. I have emailed him back expressing my concerns that how they could pre-approve me about a month ago without fully employment verification. So, based on what he could give me pre-approval. Because XXXX and XXXX XXXX first gathered all information and then provided me the pre-approval. In addition, I provided all I provided to other lenders as well. As a result, when I received XXXXXXXX XXXX email about employment verification, I politely addressed my concerns and why I wouldn't proceed with them anymore. He called me from recorded line and due to high background voice, we couldn't talk. Then he called from his cellphone which was unrecorded line and wanted to explain that he needs to verify my employment upfront. I explained this not called upfront because you already gave me pre-approval and now it is verification after pre-approval. Before I finish the previous sentence, he stopped me and when I said let me finish, he said if I let you, you talk all day long. I immediately hanged up and called their complaint department and addressed my experience. As a person who is working in retail and dealing with customers, I never heard such a thing someone tells a customer, if I let you, you talk all day long. I am very upset the way he handled my lending need ( mortgage application ) and his disrespectfulness at the end. The company that he represents ( working at ) is New American Funding.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good day, today, XX/XX/22, I received a collection letter from I.C. Systems, Inc. detailing a {$630.00} outstanding bill from XXXX XXXX. Problem is, I don't have any kind of business relationship with this entity. I called I.C. Systems and initiated an Identity Theft report. Turns out, whoever is scamming me has my home address, e-mail address, and social security number. I changed my e-mail password, and will contact the credit agencies to keep a watch on use of my social security number, but I'm filing this with you today so that I have it on proper record. Thank you for your assistance.

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 2022-08-02
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
For the past few months, I've been harassed this company Midland Credit say that I owe money which I don't. They call and send letters in the mail which is very stressful. They have violated several laws of the FDCPA 15 us 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: VA
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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: OH
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 requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.

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 2022-10-23
Company: U.S. BANCORP
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent this amount of money to a scam artist named XXXX XXXX. He banks with US Bank. My bank, XXXX XXXX, was unable to recover the funds because US Bank sided with their customer, XXXX XXXX, who is a XXXX. XXXX XXXX provided falsified documents, pictures, and receipts in order to get this money from me that was supposed to go towards a real estate fix and flip project. His business name is " XXXX XXXX XXXX XXXX ''. All checks and wire transfers were made directly to XXXX XXXX. 

This is his XXXX  : XXXX XXXX XXXXXXXX He recently had his accreditation revoked thanks to the complaints of multiple people he scammed.

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 2022-08-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX Acct # 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 XXXX XXXX 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 explanation
Consumer complaint received 2023-01-27
Company: Exeter Finance Corp.
State: LA
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: Investigation took more than 30 days

Complaint:
Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against Exter Finance and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans

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 2022-08-24
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:
Since 2016 my mother and I, who share a mortgage loan with XXXX Mortgage, have been in constant disputes over the mishandling of our loan which, in summary, amounted to several Fraud investigations through our bank, XXXX XXXX, because of XXXX Mortgage  claiming payments nit being received yet we have record of sending through our XXXX XXXX bill pay system. We settled with XXXX Mortgage with a Modification and the case was dismissed without prejudice. XXXX Mortgage is not foung the same thing they did before and they are again claiming we are not making payments. I have proof of all payments being made and XXXX XXXX has opened another XXXX case against them. We have disputed almost every month for 6 years now, the discrepancies on our credit reports. Even XXXX Mortgages kawyer has written us saying that all late reports are to be removed. They have not been. XXXX XXXX Transunion keep investigating my dispute of late payment reports on our credit and they clise each dispute and nothing changes even though I have provided all proofs of payments since 2016, letters from XXXX Mortgages lawyer claiming it should be removed, and letters from the court showing the case dismissal. We are currently pursuing cases against XXXX Mortgage for the mishandling of our loan, which include Fraud investigations through XXXX XXXX, reports against XXXX  to this agency ( CFPB ), opening complaint with Florida XXXX  XXXX XXXX and XXXX for XXXX abuse by XXXX  Mortgage and complaints opened with the XXXX. My complaint is that XXXX and Transunion are ignoring all documents I provided showing proof of payments and the open disputes on this account. Payment proof has been provided on multiple occasions and still no change to our credit which has now cost us hundreds of thousands of dollars and leaving us stuck with this predatory lender because we are unable to refinance or sell/buy a much needed larger home. We are also both XXXX and were victims of two Federally declared Natural disasters ( Hurricanes Matthew and Irma ) as well a victims if Covid-19, which I not only almost list my life and the life of my unborn child too ( after three weeks in the hospital and subsequently the premature birth of my infant son and his two week XXXX stay XXXX XXXX and Transunion must review the evidence provided and take proper action and not just side with the BIG company taking their word for it. All proof has been provided and more can be given if needed. 
My complaint against XXXX is that my XXXX Mortgage account has been totally deleted showing no record of me paying on a mortgage at all.

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 2022-08-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: PA
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. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : Self # XXXX Account name : 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 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 2022-10-23
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:
XX/XX/22 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans

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 2022-08-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have since XXXX attempted to File a Dispute on my Credit Report concerning an Account that is violating my rights under the FCRA. They claim to verify the information, but provide nothing in the findings that shows where my XXXX XXXX Account is actually in collections. 

I've opened these disputes ( Just two examples ) .... 

- XXXX - XXXX However, I have been unsuccessful due to errors/issues with Experian 's Document upload site https : //Experian.com/Upload. I am unable to upload documents which support my case and am directed to MAIL my documents containing sensitive information to a XXXX XXXX XXXX I object and say I need to do this online and it's like Experian Could care less.. 

The Staff/Call Centers agents are unhelpful if not outright rude when I call in to report this issue ( See attached images ) and give out incorrect or erroneous information altogether such as a Fax # XXXX which does not belong to the dispute team. 

You can call in x3 times and get three different answers from various people who are extremely quick to throw their hands up and say there's nothing they can do, there's no IT department they can put me in touch with, there's no support # to call to potentially get help... nothing. 

Today I spoke with XXXX out of XXXX XXXX, who couldn't care less and told me in less than 5 minutes that there's nothing wrong with their Website. No sooner did I get off the phone with her after she created a new dispute # that the Site went down completely! 

This is ridiculous to be told to Fax Personal information to XXXX only to have it go nowhere, or are unable to confirm if anyone at Experian received it, or at the very least if it's the actual number Experian uses as a backup for dispute submission/documentation! This is a XXXX XXXX if I've ever seen one and it needs to be investigated.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX on the lake apts, 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NJ
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:
when I was checking my credit report, I noticed accounts that have not been opened by me on 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 2017-09-25
Company: EQUIFAX, 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:
I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX cl REV App This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX open App. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.

Company response to consumer: Closed with explanation