BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: VA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$160.00} XXXX XXXX Balance : {$32.00}

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 2016-02-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice in the mail that I missed the XXXX 2016 payment on my mortgage from Chase Bank. When I went to the Chase online Bill Pay center to pay my mortgage, the system populated with the following choices : monthly amount due, late fee, additional principal, additional escrow/shortage. Nowhere was there a choice to pay the missed payment, nor an indication that I actually owed two monthly payments. So, I paid the " monthly amount due '' and the stated late fee in XXXX, 2016. Then, I received another notice, stating that I missed my XXXX, 2016 monthly payment and assessing another late fee. 

I believe the Chase Online Bill Pay system is deceptive and resulted in me incurring additional late fees that I should n't have incurred. I now have put through several monthly payments, along with XXXX {$120.00} late fees. That is wrong, particularly for a customer who consistently pays her mortgage on time and simply missed XXXX bill in the mail at the end of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Duncan Solutions, lnc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a ticket and now a notice from a collection agency for a toll violation in the state of Delaware which I do not believe is mine. I was not the driver of the vehicle at that time and therefore I do not believe a collection agency has the right to penalize some one for owning a vehicle that may have violated a few dollar toll, and then attempt to collect {$66.00} from that person by threatening derogatory credit reporting without proof of who actually committed the alleged violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From XXXX the alleged interest rate was 4.5 % and from XX/XX/XXXX-Present the interest rate is 6.5 %. I would like to see the documentation to support the interest variance. My alleged original principle balance was {$640000.00} and is currently {$640000.00}. I would like to see documentation as to why this amount has increased. There is a reinstatement quote dated XXXX/XXXX/15 which is a breakdown of the alleged amount of {$68000.00} alleged interest due of {$170000.00}, alleged escrow amount of {$210000.00}. I would like to see the breakdown report to support each XXXX of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Theres two accounts on my credit report showing closed on my credit report which is XXXX XXXX XXXX and XXXX XXXX and should be removed from my credit report my XXXX XXXX XXXX was never late

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 2015-05-06
Company: IQOR US INC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX XXXX has claimed I owe them for a fictitious debt for YEARS. Allied interstate is just XXXX in a long line of debt collection companies that XXXX XXXX has hired to act as their agent to continue this pattern of harassment. I have contacted Allied Interstate in writing and disputed the debt, They have not provided any source documentation as requested within the thirty days I allowed them to respond. Allied Interstate has continued to attempt to contact me by phone continuing this harassment, despite the fact they are unable to provide me with proof of this debt.

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 2022-05-20
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: Account information incorrect

Complaint:
I am trying to buy a house and I need to have my report updated. I provided Equifax with the statement from my car loan saying how much I owed on my loan, which is $ XXXXand they denied it, they are still showing the balance a {$710000.00} and will not update my credit report to reflect the correct balance. I explained that time is of the essence and they ignored me. They won't accept the statement because it says pay off balance, but the other 2 bureaus, XXXX and XXXX, have accepted this statement as evidence. Equifax is sabotaging my ability to purchase this home because their false reporting is making my debt to income ratio appear to be higher than it actually is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan # XXXXIn reference to the above account and my refinancing under HARP. I started this process in XXXX 2015 by going to my local branch and calling and speaking to Chase agents on telephone..where I was ultimately told at all times that it was not possible to refinance my 30 year loan to a 15 year under HARP. I had to write a letter of complaint, before Chase would respond to my request. Their response was to send me several letters stating that they were " researching the issue '' .. ( I attached XXXX of those letters to this complaint ). It took Chase over 4 months to process my request for a refinancing and in the interim, interest rates rose substantially. As a result on the delay on the part of Chase, I am requesting that Chase offer me a lower " discounted '' interest rate than the 4 % rate currently allocated to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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:
Per the report furnished by Experian, there are XXXX inquiries that are fraudulent and unauthorized ( XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. Experian is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.

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 2015-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a XXXX star hotel reservation i a certain area from XXXX on the telephone while looking at the hotel listing online. I received a XXXX star hotel in a different location. XXXX was promptly contacted about this error. The XXXX XXXX I spoke with named XXXX acknowledged that the booking mistake was a SYSTEMS ERROR on their part-which led to them booking a XXXX star hotel when our search criteria was supposed to only include XXXX XXXX hotels. After alengthy conversation & speaking with XXXX reps XXXX still refused to refund the charge. I informed XXXX that I did not accept the charges as they did not deliver what was agreed upon. We did not use the reservation. My credit card co Bank of America was contacted right away and told that we did not accept the charges and not to pay them. When the bill showed up on our B of A statement we disputed the charge. We received a letter from B of A stating the case was resolved and in our favor. Later @ XXXX/XXXXXX/XX/2015 I received a XXXX letter dated XXXX/XXXX/XX/XX/2015 saying their investigation found that we did engage in the transaction and that we owed the {$910.00} being charged. On XXXX/XXXX/XX/XX/2015 I telephoned B of A and spoke with XXXX to reactivate the dispute.I was told I did not need to contact XXXX directly as B of A was handling the dispute. I received a letter from B of A dated XXXX/XXXX/XX/XX/2015 on @ XXXX/XXXX/XX/XX/2015 saying again that we did engage with XXXX and that we had till XXXX/XXXX/XX/XX/2015 to have documenation sent to them to continue dispute. I was shocked at the last minute request as they had weeks to ask and inform me of deadlines and additional forms. Despite the untimely requests I faxed as they suggested, everything requested on XXXX/XXXX/XX/XX/2015. A letter wa also sent to XXXX describing the Dispute and that we were seeking a reasonable resolution to the matter. To date XXXX has not replied. XXXX position states : that I called and wanted to cancel the reservation due to not liking the hotel received. This is NOT true as I have stated above. XXXX did not deliver what was agreed upon. I continue to dispute the billing and have informed XXXX departments at B of A in writing. B of A received the letters delivered XXXX Mail XXXX on XXXX/XXXXXXXX at XXXX in XXXX XXXX, TX, sighed by XXXX XXXX. To date we have not received a reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed item has been updated. 

XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My new lender, Ocwen ( I believe they purchased my loan from XXXX XXXX XXXX ), has continually harassed me for proof of insurance at my condo, which is insured through my XXXX ( XXXX XXXX XXXX never asked for this ). Every time Ocwen has asked for this I have submitted the proof of insurance as supplied by my property management company and their insurance partner. However, Ocwen has now started charging me over $ XXXX/month for a separate insurance policy they have taken out without my permission, and this has happened for XXXX months in a row now. And their " customer service '' phone service is absolutely horrendous. After listening to several minutes of automated messages, most of the time I " mysteriously '' get disconnected. I even tried calling their " Consumer Ombudsman '' service yesterday and, after getting mysteriously disconnected even there the XXXX time, proceeded to leave a message though I doubt I 'll hear from anyone. 

I have demanded several times now that they immediately stop charging me this escrow charge and also reimburse me for previous months ' charges, with no response. I have tried this via email, official submission online, fax and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Loan Servicing , LLC conducted a loan modification without my knowledge nor authorization. My signature was forged on a loan modification document which was not notarized. I am the co-borrower on loan # XXXX. I have attempted to be removed from the mortgage which has negatively impacted my credit. I am held financially responsible for such loan although decisions on the loan as well as a modification have been made without my knowledge or consent. I should not be held financially responsible for a loan which I was not informed of the new terms and conditions that I did not agree to. The co-borrower ; as well as her family members have gone back and forth on deed / ownership of the property and also have been involved in fraudulent mortgages in the past ; including co-borrowers ex-husband and father both of whom have filed bankruptcy over foreclosures. I am deeply concerned with my credit since I have not lived in the property for over 8+ years, do not have any financial investment in property nor do I make any payments towards said mortgage yet I am negatively effected as a co-borrower. OCWEN does not correspond nor consult me in decisions made on the loan my name is attached to. **NOTE : I do not know which mortgage process my issue is related to below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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,

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 age. XXXX open end consumer credit plan as late for an purpose.

Additionally, my chapter XXXX  is still on my report and is discharged - it shouldnt be on my report any longer.

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 2022-05-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXmy 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 no
t treat a payment on a credit card account under XXXX open end consumer credit plan as late for any 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 2016-04-25
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I put in a recession letter on XXXX XXXX, 2015 to all 'known ' associated parties on XXXX XXXX XXXX XXXX XXXX, NY XXXX, home. And CFPB. 
What I received was a run around that ended up with OCWEN. They reported that the home went through a foreclosure. Fabricated documents along with forged presumption were all through out this illegal foreclosure. Hence, why this rescission still stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously submitted a complaint regarding a {$1200.00} payment on XXXX/XXXX/2015 being held in suspense and not being applied to my mortgage. Ocwen responded and indicated that it could not be applied as a regular payment since my account was already paid 3 months in advance ( payment due XXXX/XXXX/2015 ) but that it could be applied to principal. I requested that the payment be applied to principal, as suggested, effective XXXX/XXXX/2015 but that still has not been done.

Company response to consumer: Closed