BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-31
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It started with IndyMac switching are mortgage to Ocwen without giving me any notice. I was in the process of modifying my mortgage with Indymac. I had to start over with the modification process with Ocwen and its going on 3 years due to a reduction in my income. I sent in all the required documents by fax and email. When time to discuss my information they always reply '' we do not have your documents ''. When I send my documents I send them repeatedly. I received a house evalution on my property which is not accurate causing me to continue to pay PMI. My LTV is more than XXXX % and I should be paying PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been trying to defer payments from being on XXXX. I finally received the documents to do the deferral, but they are still charging me late fees and have reported missed/late payments to the credit bureaus despite being in the process of deferral. It took 2 months to defer the payments on their end, it should never have been reported. The customer service team was rarely helpful and refused to let me speak to supervisors about my account.

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 monetary relief
Consumer complaint received 2016-07-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/2016 my credit was pulled and it showed several accounts that did not belong to me. With Experian they are reporting an address that I have never lived on. I mailed a dispute letter and they responded back on XXXX/XXXX/2016 requesting documentation to verify my ss #. I mailed my IRS - ITIN number and a copy of my ID because I do not have a social security number. Then on XXXX/XXXX/2016 they mailed another letter requesting the same documentation. I do not know what else to provide because I 'm unable to provide them with a social security letter. I believer they should remove it because I have provided all the documentation they requested.

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 2015-06-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian will not remove this item from my credit file. The collection agency " XXXX XXXX XXXX XXXX ( XXXX ) has sent them letters several times to remove it but they will not. Information was sent to the XXXX Court system to vacate the judgement because it was an error but Experian failed to contact the court system and my credit score has dropped because of this. I 've been dealing with this for about a year ( maybe over a year ) and I would like this removed and if possible Experian pay for the damages because I have trying to rebuild my credit and Experian is hampering my progress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have written Experian XXXX. I have included a copy of my drivers license, social security card, and even page XXXX of my current bank statement showing my name and residence. EXACTLY WHAT THEIR WEB SITE SAYS TO DO! 
The XXXX letter they said was suspicious and they refused to do anything. The XXXX letter they ignored me and did not even respond! I have heard stories and read news reports of abuses by these companies and I shocked that I am now a victim of them. I called the XXXX attorneys office and they suggested I file a complaint here and you would help me as this is a Federal issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Halsted Financial Services, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call from Halstead Financial claiming to be XXXX XXXX and XXXX regarding a civil complaint on behalf of my sister. The voicemail said that the message was solely intended for XXXX XXXX, who I am not. The voicemail included the last four digits of her social security number.

I called the phone number they left and was berated by the agent for asking questions about why they would have left personal information regarding someone to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX {$140.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX AV XXXX XXXX, MO 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 2016-04-19
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I went in to get my report and score. I followed the instructions and I did not get it. I called and they said it went to an inactive account. They said I had to set up a new account with a new email which I did. I still did not get the report. They said I had to wait 2 hours so I waited till the next day ( today ). The same thing happened - it went to an iactive account and I still did not get a report. They were not going to reverse the charges saying it was valid. I didnto get my report. I have not gotten my report - I need a report and yet I can not get it. SOMETHING HAS TO CHANGE WITH THESE BUREAUS. THEY WANTED ME TO DO THEIR {$1.00} SCAM. I SAID NO NO NO!!!! I WANT TO APPLY FOR A LOAN AND I CANT GET MY CREDIT REPORT OR SCORE!!!!!!! You are a govt agency and you should be doing something about this. Either dissolve these scams or keep them from scamming us and allow us to receive our credit reports and scores. THIS IS BUERACY AT IT FINEST!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2017-01-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Previously disputed bankruptcies being reported o my credit report. Experian sent me results that the items were factual. I then resubmitted a dispute due to there are multiple spelligs of my name and multiple social security numbers that do not belong to me on my report. In the latest dispute Experian refuses to reinvestigate my claim of the bankruptcies not belonging to me bankruptcy case # XXXX XXXX XXXX These are not my cases

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 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
additional info pertaining to active claim with ftc I have asked Transunion for copies of my original signed documentation of file to verify each of the accounts that I have listed that this info is mine and is correct per the fcra I have a right to asked the credit reporting agency for. they have stated that they have verified that the info is correct. I have asked them to send me copies and also who did they speak to and they have fail to comply with my demand this is a federal law that all consumers have the right to asked the reporting agencies for this is the law I have attached a copy of the section XXXX act per the FCRA TRANSUION IS IN VIOLATION OF THE US LAW..

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 2016-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is in violation of the FCRA. We have contacted each individual company via certified letters without method of verification or any viable evidence that these accounts are being correctly reported to you. Since the letters were sent out on XXXX XXXX means that you have failed to report correct information on my report. The section reads : FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I have attached a copy of my credit report and highlighted the accounts and a copy of the lawsuit you are named in the event that these issues come off of my report. Please remove the highlighted accounts from my report. 

Please refer to Case number : XXXX. You have failed to provide me with the proof that the inquiries listed belong to me or to someone else. You also failed to respond to my rebuttal of the dispute within 15 days. There is a {$1000.00} fine for each occurrence. That adds up to {$16000.00}. We will be seeking this amount in damages. 
Here are the inquiries in question once again. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 2015-04-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.

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 2016-03-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX/XXXX/14. I have no knowledge of what this company is.

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 2017-01-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting wrong information on my credit report. I tried to dispute this information but they will not allow me to do so. My report # is XXXX. I viewed my report online as I am trying to obtain a mortgage but not able to do so because of the accounts they are reporting with teacher 's federal credit union. There are XXXX accounts reporting with this bank showing as negative/charged off to a bad debt. There is one for {$6600.00} another one for {$860.00} another one for {$7500.00}. and another one for {$860.00}. I only had XXXX loan with teachers and that was for {$6600.00}. I did not have all these loans. Last month my credit report showed {$6600.00}. and {$860.00}. now there are XXXX more added. This is ridicilious as they will not let me re-dispute this wrong information and they have no right to add XXXX more negative balances to my report. I wish to file this complaint about experian credit reporting 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 2015-06-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This information just showed up on my credit report within the last month. I think there are a collection agency for a credit card from XXXX XXXX. I had a credit card with the company that was opened in XXXX and paid off and closed around XXXX. I had a great payment history with XXXX XXXX. As I stated in other statements that on my credit report this creditor always showed paid as agreed. Now I believe around XXXX XXXX I checked my credit reports and XXXX XXXX is showing up negative. I reached out to several Customer Service Representative and there were not friendly. If someone could please help me with this problem I would be thankful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.

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 2017-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have notified Experian that this account is either inaccurately status or do not belong to me. I would like for you to help me to get this matter resolved. This account is not a charge off account. Please removed this account from my credit file.

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 2016-08-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX Bank Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX Bank Address ID No. : XXXX - Experian Identification No. : XXXX - Experian XXXX ID No. : XXXX This judgment is showing up on both my Experian and XXXX Credit Report. Had I not have just started a Home Loan, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both Experian and XXXX, as well as submitted a compliant to the XXXX, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

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 explanation
Consumer complaint received 2016-09-13
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Freedom Mortgage has not given the title company my loan payoff amount so I can close on the home and payoff my home, which is in foreclosure. I am a XXXX and currently have a VA loan through Freedom Mortgage. XXXX XXXX has been calling/faxing Freedom Mortgage for an updated payoff amount since XXXX XXXX. It is not XXXX XXXX and the loan documents for the buyer are going to expire and each time I call Freedom Mortgage tells me they did n't receive the demand letter/they can not give us the demand letter or excuse after excuse. I am in danger of losing all my equity in my home and having a foreclosed home because Freedom Mortgage refuses to give XXXX XXXX the payoff amount. Freedom Mortgage has denied me a supervisor and they will not provide any other way to obtain this payoff.

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 2017-02-11
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Payoff process

Complaint:
The Chase Card does not offer a way of automatically deducting an amount other than the minimum ( pay offs would take years on thousands of debt ) or entirety of the balance ( which probably most folks ca n't afford ). I know that my XXXX card allows me to select any payment amount for a monthly balance. Ultimately this lack of offering is unfair to those who are juggling more in their lives than their tee times and tea times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Credit determination

Complaint:
Hi, I just recently tried to get a credit card from amazon. The credit card is through Chase and I first before I apply checked the internet about what you credit score had to be many site 's said it had to be in the fair range. I have to credit cards now and the cards are somewhat max out, but I 'm saving for a house and I ca n't use that money to pay them. I make around {$33000.00} per year.I called to see if I was approved and they got more info from me but they did n't approve me, but I think because they judged that I was XXXX from the tone in my voice and I was discriminated against.

Company response to consumer: Closed with explanation