BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: KY
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:
In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continue to report negative information status on this account. I have disputed this account with XXXX, Equifax, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a debt on my credit report with XXXX XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX XXXX last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was leaked or stolen in late 2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.

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 2020-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
the bank misapplied a payment for XX/XX/2020 after 6 weeks the say all is well now my statement shows {$15.00} past due big deal? it must be to them from the number of phone call from them. there is no past due amount the problem has not been fixed what a shame to have to go to a government agency for customer service!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES along with LATE PAYMENTS that were not my fault as it was a billing error on XXXX XXXX which caused multiple late payments throughout my credit profile. Please remove the negative items from my credit report 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 2020-08-18
Company: Gotmortgage.com
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Conventional mortgage with a company by the name of Lending 3 in XXXX XXXX, CA in early XXXX, XXXX. I provided all of my income documents and signed disclosures in XXXX XXXX. On XX/XX/XXXX, I received a phone call from the processor XXXX XXXX informing me that my loan had been declined. She said that I needed to be back at work in order to have more income. It took this company 2 months to tell me I didn't qualify when all along they knew my income sources and had all related documentation. I asked if they could offer me a lower size loan or a longer term and she refused to engage with me and said no and I needed employment income, even though all along from the moment I applied they knew I was not employed and my source of income was only rental income. 

This company is not following normal business practices and are mis-leading and deceitful. All along I was told that it would work out and to be patient with underwriting. I own 3 properties and have financed home loans plenty of times, enough to know that this company does not follow the rules. They didn't communicate with me and when they did they were not interested in working with me and helping me. Today is XX/XX/XXXX and after insisting on receiving a decline letter for over a month, I just today received it in the mail and attaching to this communication. 

Thank you for your help in exposing the horrible business practices of 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 explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TransUnion, and XXXX are completely wrongly misrepresenting or recklessly claiming I should be punished with my most recent huge score losses based off of XXXX removing all my remaining student loan debt to XXXX abruptly looking as though I caused myself to be in debt again. Please correct my scores to JUST BEFORE they were in the 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 2020-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen by this man who told me his name was XXXX and he somehow knew my pin and stole around {$500.00} before I shut down the account and told him to give it back or police will be involved and that its already shut down so he did. I have contacted both Chase Bank and the police about this, police arent doing anything about it and Chase thinks that I am either scamming them or something. I told them to look at the cameras to see it is clearly not me taking the money which they then said the police had to but it was in a Chase Bank using their ATM but they are refusing to check the footage. They gave me around {$200.00} of the stolen money back just to steal it from me a month later. I called about it today when I found out and this lady was very difficult saying the same things like to contact the police even after I told her I did, and that the investigation team didnt think it was actually stolen. She was becoming increasingly more difficult until she put me on hold for her boss that I am on hold and have been on hold waiting for over an hour and a half. If anything, I would just atleast want the {$140.00} from the chase ATM that they can clearly see it was not me. The bank is seeming to ignore me now. When I first called about the card it was within 24-48 hours after the card was stolen and nearly {$500.00} was gone, the lady told me that the bank will do everything they can to return my money, returned less than half of it just to steal it back without notice. The new lady said that the money was temporary to begin with but I was never told that before it was taken. I am afraid they are going to take out more money illegally that was never stolen to begin with and make up an excuse for why and give me no real evidence. Thank you for your time and help I am very upset about this happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried disputing a delinquent account that is showing on my credit report twice. The dispute was denied. This is something that is really affecting my life, as it made my credit report decrease by XXXX points.

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 2015-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Public Record DetailsReference Number XXXXDate Filed XXXX XXXX, 2014Date XXXX XXXX, XXXXStatus PaidAmount $ XXXXClassification LienType Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX happened while I was going through a mortgage modification with XXXX XXXX XXXX. I had called them up to correct this error, since it was their error, my taxes are part of my mortgage payment, but XXXX forgot to make payment for XXXX months. I did n't even know about this error, and only found out about it when it showed up on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Trans Union reports from XXXX to hard inquiry 's on the same day that I did not ask for I did n't ask for a credit increase or a credit card they should not have done one at all thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX is involved in my loan according to my servicer, XXXX XXXX and a new trustee, XXXX XXXX. I have contacted XXXX XXXX XXXX Division in New York and was referred to Chase Clearing House Corp and Chase Securities. I was told that those XXXX entities are now what XXXX XXXX use to be. I am checking to see if Chase Clearing House Corp and/or Chase Securities have beneficiary status of my property. Please advise. The loan number in question is XXXX. Originator was XXXX who is now XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX ( which is the original zip code that would have been used through the securities exchange ). ( The zip code changed to XXXX ). The specific pool is XXXX that XXXX XXXX claims the loan is tied to. I have yet to see any original assignment made by the past alleged trustee XXXX to the XXXX XXXX XXXX - Depositor. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This involves BBVA credit card. I paid {$870.00} to pay the balance in full on XX/XX/XXXX. I then received a leftover interest fee of {$22.00} which I promptly paid with check # XXXX on XX/XX/XXXX. 
I received another statement balance on XX/XX/XXXX for {$1.00}, so I called to ask what this was. All the rep could answer was for interest. and couldnt give any further explanation. I asked that since it was a small fee and I had previously attempted to pay it and the interest, could it be waived. They refused, so I asked for a supervisor. The supervisor said I couldnt pay the {$1.00} because he didnt know how much I owed since it was 7 days into the billing cycle. So I asked to close the account. I confirmed that since I couldnt pay this {$1.00} on the phone, that that should be the only remaining amount I would pay once I got the bill in the mail. He answered no because there would be more interesting accruing ( and this is in spite of the account being closed ), and told me that I should put an extra {$1.00} in just to be sure. I didnt like this resolution, but since I didnt want this to be a continuing charge, I paid {$2.00} by check and immediately sent it to them. I feel that this is very deceitful and dishonest way of doing business and this is why I am reporting it, and I also did not want this to go on an endless cycle or go on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX mortgage on a home I own was sold from XXXX company to another. XXXX No, this is not my specific complaint. ) The information provided to the new company that assumed the loan was grossly incorrect, and as a result of this, the new company sent a letter to the tenants of the home ( I rent it XXXX stating that the home was in jeopardy of being foreclosed on. Thankfully the tenant immediately contacted the property manager who in turn contacted me. ( I was able to immediately make the necessary payment to restore the account, the NEW account. ) Complaint facts:XXXX The address that Ocwen ( the company that had the loan ) provided was a no-longer-valid address for my ex-wife, who had moved out of that address BEFORE Ocwen even assumed the loan. XXXX This address was NEVER provided to Ocwen ; I suspect they did an internet search or credit check to find this address. ) XXXX. My ex-wife never made a single payment to this mortgage, so identifying her and her ( no longer valid address ) makes even less sense. 
XXXX. I provided Ocwen my correct address, email address, phone number, and bank information several times over the XXXX month period Ocwen had this loan ; and none of my information changed during this 18-month period. 
XXXX. I did not, as a result of Ocwen 's inability to keep track of my personal information, receive any notification from them that the loan had been transferred. 
XXXX. I use online banking to pay my mortgages, and by far, Ocwen has been the most difficult and least responsive mortgage company I have ever dealt with in the XXXX years I have had a personal home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: MOHELA
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im becoming increasingly concerned with the servicing provided by MOHELA for my loan originated with XXXX. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up 4-5 % for a few days so I let that go after it was fixed. 

Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to XXXX to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. 

Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. 

Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. MOHELA botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. 

Im concerned that their servicing contract with the federal government has made XXXX customers less of a priority for MOHELA, and operational errors like this are more likely to occur moving forward with any additional volume.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
OCWEN has repeatedly misallocated payments on Principal to other lines such as interest, escrow, taxes, mortgage insurance. This practice has happened as much as bimonthly since their acquired my mortgage. 
I mark all my payments to their designated line in the account. However ; t this practice of money mismanagement is always to OCWEN 's advantage by delaying my progress on my amortization schedule and thereby suppressing suppressing my progress on reducing the interest ratio on my loan. This hap happens so regularly that I am sure it is " ripping-off, '' a large number of their customers, making it a systemic business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Since the year XXXX I have disputed with the XXXX major credit bureaus after discovering several credit cards and other accounts opened without my consent. After 4 years of failed efforts on my behalf I obtained the assistance of XXXX XXXX, As of XXXX XXXX XXXX identity theft victims complaint and affidavit was filed with additional documents was submitted to Transunion XXXX XXXX and after a new investigation and verification of the claim made my whole credit profile was erased. The gross negligence of the XXXX credit bureaus since the identity theft occurred to present day has me disfranchised I unable to obtain financing for a new home, vehicle and even gainful employment. Currently they are reporting inaccurate incorrect & negative information on my credit reports I have several credit inquiries I did not make a account with XXXX which is open and current being reported as closed, the length of my credit history is incorrect several versions of my name as aliases and several versions of my address. I am domicile to XXXX, PA XXXX & a private mailbox mailing address as XXXX, Pa XXXX for security reasons to protect and prevent further identity theft.

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 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
TransUnion has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX Bank XXXX is being reported by TransUnion as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by TransUnion as charged off, Potentially Negative. this is not my debt. and another account 3. XXXX XXXX XXXX account is reporting late payments in XXXX, this is not correct. the account has since been sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation