BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I re-financed my home mortgage loan from a VA loan with XXXX XXXX to a conventional loan with XXXX XXXX XXXX in XX/XX/XXXX. That loan was sold to the servicing company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXXXXXX, NJ XXXX. Tel : XXXX and Fax : XXXX. 

My escrow account was also transferred to PHH Mortgage Services. My home insurance company is XXXX XXXX XXXX XXXX. ( XXXX has been a phenomenal company-very good ). My first payment with PHH was XXXX XX/XX/XXXX. Even though PHH has had my insurance company 's mailing, billing, and contact information since XXXX, PHH has not paid XXXX from my escrow account for my home insurance. 

My home insurance policy will now be canceled on XX/XX/XXXX if PHH does not post their payment by that date. Today I confirmed with both XXXX and PHH that PHH has all the correct information. 

I'm asking for government help to ensure that PHH will pay XXXX for this payment and all future payments in a timely manner. Additionally, PHH has been a problem company for many citizens ' loans. I ask for a full investigation into their practices and the company in general. A quick XXXX search will reveal that many people, 300+, have had serious issues with this company. If I continue to have issues with PHH, I am also asking for help in getting my loan sold to a different and responsible mortgage loan servicing company. 

Thank you for your service and urgent help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Last year, Equifax had my information mixed with someone else and as a result I had them remove and fix it. I recently applied for an apartment and I was rejected due to a bad credit score. I checked my recent credit report and everything seems to be in order but my credit score is still bad. I have no debt and paid off all my loans so I do not know why the score is so low. I can not get a hold of a person who can help when I called Equifax and kept getting transferred back and forth and was on hold for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
merchants credit guide company XXXX Collection opened XX/XX/2019 MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was open as fraud. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: UT
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:
The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft. I Did not Authorize These Accounts.

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 2015-05-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all 3 of credit bureaus and I would like them removed immediately or a XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: UT
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:
The three major credit bureaus are reporting an erroneous debt on my credit file. I have previously submitted disputes to you stating that this account should not be reporting on my credit file. This debt was dissolved when I got a divorce and have proof that all collection activity ceased on this account. However, the bureaus continue to report inaccurate information and are keeping me from being able to move forward in the home buying process. I have once again attached the letters as proof that this should not be reporting and it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: OH
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 are fraudulent inquiries on my credit report. Please remove them. 

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 non-monetary relief
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please accept this as a formal complaint against Equifax Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CORELOGIC INC
State: MD
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 pulled at XXXX XXXXXXXX XXXX and its a lot of inaccurate information.

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 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I was contacted by the State of California indicating an account I had with Bank of America was not being used, and by law, Bank of America would need to return the money to the State for me to claim if I did not contact Bank of America. On XX/XX/XXXX, I contacted Bank of America and requested they send a check out for the account and close it. 

Bank of America agreed to send out a check for XXXX, the account balance. The check was not received. I followed up in XX/XX/XXXX and Bank of America said they would investigate and it would take 15 business days. 

I have not heard from Bank of America since that time. 

I am requesting a check for {$1300.00} from Bank of America.

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 2022-09-18
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Three violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Two more violations of 605 - 15 U.S.C. 1681c ( d ) ( 2 ) occurred on XXXX XXXX and XXXX XXXX 

EXPERIAN violated 609 - 15 U S C 1681 ( f ) ( 2 ) by failing to disclose any information and reasoning for the adverse actions against the consumer report and account, despite multiple requests made by consumer, resulting in injuries to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau is not properly verifying my disputes. Violation of HIPAA to sell my information to a collection agency without my knowledge I want all inquiries not properly verified by me removed now

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 2016-03-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: Southern Management Systems Inc.
State: FL
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:
In 2008 My XXXX son left for college at university XXXX. We rented him an apartment at XXXX XXXX XXXX XXXX XXXX. He was a XXXX so I rented the apartment I my name. # months int the lease they stopped him on the way in and advised him that he was required to sign an addendum to the lease or his rent would go up. He was hesitant but they bullied him into signing. He moved out at the end of the XXXX year as scheduled. 
Now they are reporting to both my and his credit that we owe {$6100.00} for a defaulted lease. I called them and they said that because he signed the addendum he agreed to extend the lease for another year. 
First of all, he was not authorized to sign an addendum as he was a XXXX and was not the lessee, but the sublet. Second, They have been actively trying to collect on this for XXXX years even though I have repeatedly advised them that it is not a valid debt. I still receive aggressive collection calls on this. Third, he is unable to secure Student financial aid as a result and he is in his XXXX year of XXXX school. 
Please advise the steps I must take to eliminate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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:
I provided everything that the credit company required me to give to them. They said I needed to give them my proof of address, my ID, my social and my police report. I provided all of this to them and they said it would take 48-72 hours for me to see the items removed and they have everything that they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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 Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, SELF / LEAD Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX INT Account # XXXX, XXXX Account # XXXX, AD XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Patient First Account # XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fruad Inquires XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: NC
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:
Disputed this account several times. The most recent times were XXXX XX/XX/XXXX XX/XX/XXXX. All 3 bureaus sent verified letters back, stating this account is reporting based on FCRA guidelines it is not reporting accurately. The FCRA gives company 30days I still have not received documents showing how this account was verified.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Disputed this account several times. The most recent times were XXXX XX/XX/XXXX XX/XX/XXXX. All 3 bureaus sent verified letters back, stating this account is reporting based on FCRA guidelines it is not reporting accurately. The FCRA gives company 30days I still have not received documents showing how this account was verified.

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 2016-11-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is still on my credit report and they have sent me a letter months ago saying they were going to remove it. I am in the process of retaining my lawyer to take Experian to court but I do not want to drag XXXX XXXX into this since their investigation did find the account fraudulent. Contact them and they will tell you.

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 2016-10-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called to collect payment on a payment that was not due for 5 more days. The company called my place of employment to reach me prior to trying my personal number. I had not provided my work phone number. In starting the phone call they said that they need to inform me that this was an attempt to collect a debt. I am a customer/account holder for a mortgage this language is commonly used for delinquent accounts not accounts that are current. 
Last month they called before payment was past due to my personal number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Both XXXX and XXXX told me when I was applying that their application would not not produce a hard inquiry, and I have hard inquiries on XXXX and XXXX from XXXX and XXXX from XXXX, I have contacted XXXX companies, via phone, submitted a online form to XXXX, and XXXX spoke over the phone and email, XXXX companies said these would be removed, I never got service from either company as their sales team promised things they could not deliver ( besides saying the credit check would not impact my credit ). I spent hours with these companies to include setting up installations, that they never followed up on, and come to find out thier hardware would not work in my location?

Company response to consumer: Closed with explanation