BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-01-11
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: Old information reappears or never goes away

Complaint:
I keep having a employer XXXX XXXX appearing on my credit report after disputing its removed then placed back. I want it removed its inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
today XX/XX/2022 at about XXXX pm eastern time. I was trying to apply for a home depot credit card. when I finish the application online it gave me a reference number at the time. but in the app it told me to call XXXX. I had my daughter trying to help me in which she work for Citibank also. she let them know I needed a XXXX  person in which the young lady said she speak XXXX. after i gave her my information she put me on hold telling me she is going to look at the application then hang up. I call again the second person repeat the process again when I am trying to explain myself he was yelling and being rude with me then pause the call never came back. then I called again then third young lady speak so fast got my information to reference my application then told me my application was denied and my daughter tried to talk to her and was rude also. I am XXXX XXXX which my daughter and wife helps me with these type of things. This is unacceptable for an organization so big like you all. those representatives was very unprofessional with this call. I would like to file a formal complaint toward the unprofessional service I received.

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 2022-09-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As provided by the Fair Credit Reporting Act, I am disputing the following inaccurate personal information that does not correspond with my legal documentation ( see attached ). These inaccurate versions of my name and address are creating confusion with my creditors and lenders to whom I have submitted applications because the information contained in your records does not match my personal credit identity. This is a formal request to remove the following inaccurate information from my report. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. According to the fair credit reporting act 12USC 1681. I have the right to privacy. These are clear violations of my federally protected consumer rights. 
Remove all these versions on name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
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 show XXXX inquires on my equifax report that should not be and was not performed by me, I have requested by certified letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: PNC Bank N.A.
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in order to charge off an account the original creditor wrote it off on their taxes. please provide debt validation, original accounting and signed contract by all parties or remove 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 explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a recent victim of identity theft. I am a consumer pursuant of 15 USC 1692-A3. XXXX, XXXX  and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ) ; failure to delete requested accounts, names, addresses and inquiries related to identity theft. Please remove requested accounts, names, addresses and inquiries. An FTC/Police report was submitted XX/XX/2020 and accounts are still reporting fraudulently. 



Department of Education : Account # XXXX Amount {$49000.00} XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX/XXXX XXXX : Account # XXXX Amount {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  has violated my rights. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX,2021 do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX,2021. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Entrata Inc.
State: MO
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:
A submit of a rental application on XX/XX/2022 that include a payment by debit for fees of XXXX  XXXX {$60.00} to reserve and process the application at XXXX XXXX XXXX to lease an available property the company that assist with the approval is Resident Verify LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an applicant adverse action Letter stating that Resident Verify had no involvement in the decision and cant provide details of the denail but it states that Resident Verify/XXXX acted together to provide the results. I would like to requests in writing from both companies of any and all parties involved with this descision including third parties if I can please be provided on a way to fix this as it is causing time being wasted in finding proper housing and causing issues with my rental applications I would like it resolved immediately I was advised by XXXX that the return of the {$250.00} will be return XXXX XXXX XXXX the form of a check but the fee to process the application will not be returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo or XXXX XXXX sold our phone number to scam debt collectors. There's no coincidence that my husband and I have been receiving robo calls from XXXX claiming to be Wells Fargo lately, all three need to be looked into. We pay Wells Fargo each month a week before due and we have documentation to show when our money was taken out of our bank, but they purposefully wait until one week AFTER due to finally process. Its not my problem they take two weeks to process payment, its their responsibility to make sure they have staff capable of doing this. They are intentionally doing this to charge a late fee on top of interest, because per XXXX XXXX financing contract it says 0 % interest unless payment was missed. Wells Fargo needs to correct this, they don't deserve a penny more than what we pay each month especially since they now sell our information to scam debt collectors. We arent even in collections since we pay each month, but we went ahead and paid the inflated charges due to get it out of the way since we know Wells Fargo is going to take 2 weeks to process the payment anyway.

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 2015-07-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2015, I received a letter stating that Ocwen has not received my payment for XXXX/XXXX/2015. Please find attached an email from Ocwen ( under document proof payments ) stating that they have received such payment on XXXX/XXXX/2015 ( before XXXX when late payment fees can be assessed ). Additionally, it said on the notice that a late charge has been assessed but in the itemization of current amount due, it stated that there were no current late charges and the balance due was {$1400.00} and {$87.00} for the negative escrow balance for forced placed insurance which was under review at that time. 
On Friday XXXX XXXX, 2015, I received a letter dated XXXX XXXX, 2015 stating that I have {$3300.00} of past due payments. Please see attached proof of payments for {$1400.00} made for XXXX XXXX, 2015 through XXXX XXXX, 2015 which does not explain the past due amount stated on the letter. 
Additionally, I sent a check in the amount {$1000.00} to their office on XXXX XXXX, 2015 to pay off the negative escrow account for the force placed insurance from XXXX while I am trying to go back to the insurance companies to research the information. I should not have any past due amounts for the mortgage payments or late fees as I have been paying it monthly before the XXXX of each month. As of XXXX XXXX, 2015, I should not have any negative escrow account as I sent a check to cover the entire balance. 
Consequently, I am asking Ocwen to please address the discrepancies on their statements so that they can reflect the right amount of the mortgage payments XXXX principal and interest ) in the amount of {$1400.00} moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: TX
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:
XXXX   XXXX   XXXX   XXXX  owns a lot in  XXXX  on  XXXX   XXXX  and attempted to sell his lot using our office  XXXX   XXXX   XXXX . We opened title at  XXXX   XXXX  in  XXXX  and the title commitment came back yesterday showing a Lien on the vacant land from  XXXX   XXXX    XXXX    which has been bought out by  XXXX   XXXX    XXXX   or   XXXX   XXXX   XXXX   XXXX    ( u nknown at this time ). We have tried to contact  XXXX   XXXX   XXXX  however they do not have a consumer friendly system that my client can use to report the possible mortgage fraud that has been committed.     My client paid cash for his lot in  XXXX  of  XXXX  and someone using his name and identification took out a fraudulent mortgage for {$31000.00} in  XXXX  of  XXXX .  XXXX   XXXX  is demanding that the Consumer Financial Protection Bureau begin a thorough investigation of the facts to this mortgage fraud and the   XXXX   XXXX   XXXX   sign a release of lien so my client can close on his vacant lot.      XXXX   XXXX   XXXX   Complainant 1   XXXX   XXXX   Complainant 2   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX , Texas  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing withdrew XXXX payments of {$2000.00} and {$2500.00} from my bank account on XXXX/XXXX/2015. While I authorized the {$2000.00} payment, I did not make the {$2500.00} payment they pulled from my account. The last time I made such as payment was on XXXX/XXXX/2015. I am not behind in my payment so they applied the payment to XX/XX/XXXX payments. I called Ocwen on XXXX/XXXX/2015 to complain and have the money sent back. The lady I spoke to said I must have made the payment by mistake which I disagree. She However promised that the {$2500.00} will be wired back in for days. I waited for XXXX business days and when nothing happened I called again. This time I got a lady who explained that the accounting department was processing the check and they ca n't tell when I 'll have it even when pressed on the issue. Again 3 days to end of the month I had n't received the money. I sent emails as well on the issue and each week I have been getting a letter from Ocwen saying that my issue is being reviewed by the Research Department. On XXXX/XXXX/2015 I got tired and wrote to Ocwen telling them that this has taken too long and I want my money back with interest for the whole month. 

On XXXX/XXXX/2015 someone from the resarch department called me asking is they could apply the money to my next months payment. I could n't understand why anyone would withdraw someones money by a mistake, ignore all request to refund the money, keep it for a whole month, then have the guts to call and ask if they can keep the money. Out of my anger I told the gentleman that they did n't ask for my permission to take the money and keep it for that long so they do n't need my permission to do anything. Now I 'm trying this final approach before I take legal action. This is just one of the issue have had with this company since I refinanced my home last XX/XX/XXXX and they got loan. I have spend so much time on phone to correct simple errors on my insurance coverage from XX/XX/XXXX to XX/XX/XXXX and every time they used to tell me to email the documents yet no actions was taken. Now they are using my money as soft loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.

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 2017-03-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We did a tier 2 modification about 3 yrs ago now due to becoming XXXX and my wife changing jobs a payment of XXXX. is way more than our income, after 4 months of doing paperwork and sending every document they wanted they said the lender would not approve a modification, in the tier 2 modification they did not forgive money as they stated but put it on the end of the mortgage so my statement shows I owe XXXX and the payoff is XXXX. My home is only worth XXXX. I would like to be able to have an affordable payment, and my payoff at what the house is worth.

Company response to consumer: Closed with explanation