BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, I checked my latest consumer report on XX/XX/2021 and i am still being violated by not only the three main reporting agencies but I'm sure the hidden agencies where my private information is bought and sold by and to non affiliates. I do not consent to E-oscar verification and will reserve all my XXXX given rights as a natural person. TransUnion, XXXX and XXXX continue to report defamatory inaccurate information. NO AGENCY SHALL DISCLOSE ANY RECORD WHICH CONTAINED IN A SYSTEM OF RECORDS BY ANY MEANS OF COMMUNICATION TO ANY PERSON, OR TO ANOTHER AGENCY, EXCEPT PURSUANT TO A WRITTEN REQUEST BY OR WITH THE PRIOR WRITTEN CONSENT OF, THE INDIVIDUAL TO WHOM THE RECORD PERTAINS. I NEVER GAVE ANY REPORTING AGENCY CONSENT. The role congress says they " assumed '', DOES NOT permit the use of my private information WITHOUT CONSENT. A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681b ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

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 2017-06-06
Company: Ocwen Financial Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ocwen is falsely reporting is preventing XXXX- XXXX from getting financing on a new home.
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XXXX XXXX- XXXX  purchased the property located at XXXX XXXX XXXX XXXX , XXXX XXXX and the making payment to the servicer GMAC Loan # XXXX XXXX XXXX until XX/XX/XXXX when the loan was purchased by Ocwen Loan Servicing , LLC.
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XXXX  XXXX- XXXX filed BK XX/XX/XXXX and continued to make payments to the loan servicers on her home on time with never had any lates.
In XX/XX/XXXX her loan was sold from GMAC to OCWEN. OCWEN serviced her loan for 4 months and then she sold the house.
Exhibit-A Mortgage Statement Dates XX/XX/XXXX GMAC Loan # XXXX XXXX XXXX  with a balance of $ XXXX- Exhibit- B XXXX. XXXX- XXXX paid that loan in full though a traditional sale.
Seller Final Settlement Statement dated XX/XX/XXXX show Pay off to Ocwen Loan Servicing {$82000.00} to XX/XX/XXXX- Exhibit- B On XX/XX/XXXX Ocwen reconvened the property Loan # XXXX XXXX XXXX Full Reconveyance by Ocwen Loan Servicing LLC, # XXXX XXXX for instrument # XXXX-XXXX Doc # XXXX-XXXX- Exhibit-C XXXX. XXXX-XXXX attempt to purchase a new home only to be denied by potential lenders due to the erroneous reporting by Ocwen of loan # XXXX XXXX XXXX as a collection Thou the Loan was paid on fill as evidenced by Exhibit-C.
Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX-  Report # XXXX Page 7 under Collection Accounts Owen Loan- # XXXX XX/XX/XXXX to XX/XX/XXXX - $ XXXX- XXXX month mo. Rev- XXXX XXXXxXXXX, XXXXxXXXX, XXXXxXXXX+ Page 8 under Public Records Chapter XXXX  Docket # XXXX -filed XX/XX/XXXX Discharge XX/XX/XXXX Collections Accounts Bankruptcy XXXX- Credit Report requested by XXXX XXXX & XXXX XXXX -XXXX XXXX-  Report # XXXX.
Exhibit- D XX/XX/XXXX XXXX. XXXX-XXXX contact Ocwen requesting Ocwen to current the faulty.
XXXX XXXX XXXX-XXXX  sent request dated XX/XX/XXXX to Ocwen asking to them to correcting the credit bureau reporting. -Exhibit- E Ocwen sent and letter stating that Ocwen determined that Ocwen did not acquire serving rights for the subject loan, Yet accepted payments and issued a Full Reconveyance, for Ocwen Loan Servicing LLC , # XXXX  Recorded Doc # XXXX XXXX on XX/XX/XXXX.
Exhibit- F This false reporting is preventing XXXX. XXXX- XXXX from getting financing on a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am disputing the following accounts with Experian XXXX, and XXXX   because i have been victim of identity thief : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SB XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

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 2021-11-12
Company: Lakeside Recovery Solutions
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lakeside collection services will make repeated calls one after another without leaving voicemails, they reach out to family members via phone to tell them if I do not pay them they will sue me and I need to contact them immediately as well as going into detail about how much I owe and for what. Family members are not or were not on the XXXX credit card from 2015. Also this debt has been taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES  is reporting inaccurate information. Some include loans I never opened. I have tried disputing with the credit bureaus and no information is being provided to fully validate all the accounts. I even called on  XXXX / XXXX / XXXX  to see why all the inaccuracies were not being fixed and  XXXX  the representative stated they no longer own the account so she can not assist me.  XXXX  accounts definitely do not belong to me and they added them on illegally. One was " opened ''  XXXX / XXXX / XXXX  and closed  XXXX / XXXX / XXXX . The amount for this account that was charged off according to the company was {$33000.00}. They initially started reporting  XXXX  through  XXXX  which they went back to report on after a dispute. Than they did not report anything until  XXXX . This account was never mine and dragged out closing the account they illegally opened to begin with since it would have been closed in  XXXX . And the other account is showing an " open '' date of  XXXX / XXXX / XXXX  with a charge off amount of {$4300.00}. No reporting occured for this account until  XXXX . They added a false payment history once I reported the issue which than started in  XXXX , two years after they said the account was open. I never signed a loan for the  XXXX  above accounts and the company added them on for mere destruction of my credit reports. They also have an account with a charge off balance of {$33000.00} that they closed on  XXXX . This account has no solid reporting and therefore the closed date should have been in  XXXX . There is an account with loan amount of {$14000.00} and reported they received a payment in the amount of {$22000.00}. This account too had missing reporting which further shows there is no validation of a closed date. The last account reporting  is one  with an original amount of {$16000.00}. They stated they received a payment in the amount of {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Cedars Business Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2022, allegedly from Cedars Business Services, a legitimate collections agency. The letter states that I am seriously past due on a debt of {$470.00} to XXXX. I do not have a credit account with XXXX. Anything I have purchased from them has been paid for with my personal XXXX. I checked my credit reports on XXXX, XXXX and XXXX and there are no collections on my record. The Pay by Phone number on the letter does not match the pay by phone number on Cedars Business Services website. 

Since I know this is a scam based on the information I have provided, I am not responding to this letter in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion and XXXX did not help me remove these unauthorized inquires 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 XXXXXXXX

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 2021-06-11
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from XXXX XXXX XXXX ( XXXX ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted XXXX at that time and informed them that the dealership was handling everything. After a few more notices from XXXX, I repeatedly contacted the dealership and asked that they do something about the invoices from XXXX and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. 
I heard nothing from XXXX after the dealership informed me that they took care of everything, clearing up the situation with XXXX and that they sent a payment to XXXX  to cover the lost key. 
I recently checked my credit report and found that XXXX had entered a charge-off against me. XXXX never advised me in advance that XXXX would be reporting a bad debt. I submitted a dispute with Transunion and XXXX regarding the charge-off. Both bureaus reported that they had contacted XXXX and that the charge-off was correctly entered by XXXX. I contacted XXXX  and they informed me that the dealership, or the warranty company, had indeed sent XXXX  the balance due on my account, but that XXXX had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing XXXX  could do to rectify that since it had already been reported. 
Because the dealership ( and the warranty company ) were delinquent in sending XXXX the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently sold my house and deposited the proceeds of approximately 340,000 into my Wells Fargo account on XX/XX/XXXX. I was told the funds would be available in stages and totally available byXX/XX/XXXX. I got a message on my account web site that the funds were being held an additional week because I had overdrafts on my checking account the previous 6 months. I called the bank and was told that there was nothing they can do so I had to ask what does me having minor overdrafts on my checking account for which I was charged fees have to do with the integrity of checks deposited drawn on a major Arizona Bank? Of course there is no logical explanation. I asked them if a XXXX year old widow  has overdrafts do they put a hold on her Social Security Checks? An absurd analogy obviously but based on their behavior over the past 2 years I would not put anything past Wells Fargo. I am not familiar with Banking Law but this seems to be a civil as well as criminal act. Thank 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 explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from XXXX, Experian and XXXX and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each Agency made me disclose my entire social security number which should not be asked for. XXXX, Experian, and XXXX could have requested the last four. 

XXXX, Experian and XXXX have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
XXXX, Experian and XXXX are also selling my private information with out my consent which is aggravated 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 explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from XXXX, XXXX and Equifax and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each XXXX made me disclose my entire social security number which should not be asked for. XXXX, XXXX, and Equifax could have requested the last four. 

XXXX, XXXX and Equifax have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
XXXX, XXXX and Equifax are also selling my private information with out my consent which is aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Planet Home Lending ( XXXX XXXX XXXX XXXX ) is company I have a VA loan with on my old house. They offered me a great va refi rate in the fall of 2016 and I agreed to refi. They were already servicing my loan up to that point as well. I submitted everything in a timely matter and I was told not to pay XX/XX/2016.  Then they closed that account to start a new account with the new rate. While this was going on, their was no communication within their own company that I was doing a refi and they reported that I did not pay XX/XX/2016 and now Im dinged with a 30 day late payment. I called them and emailed them about this multiple times with no resolution. As Im checking my credit right now, I see that blemish on my record and this is not my fault, but theirs. They incorrectly reported me as delinquent and they need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: First Technology Federal Credit Union
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XX/XX/2021 I had entered into a contract to have my roof replaced. I agreed to the terms of the loan with the XXXX, and the finance company, XXXX XXXX XXXX ( XXXX XXXX XXXX. 
On XXXX XX/XX/2021, I received a letter dated XXXX XX/XX/2021 from First Tech Federal Credit Union, informing me that they had purchased my loan from XXXX, and subsequently had opened up a membership savings account. 
At no time did I authorize opening a membership saving account with any financial institution. Quoting directly from their letter : " We've also made a {$5.00} deposti to establish your First Tech Membership Savings account and the account number is XXXX. '' I've tried to have this resolved with XXXX and 1st Tech, and their answers are identical, we can not do anything about your concern. Both have said I had agreed to opt in on the loan documents, to which no such options appears. They didn't even cite any reasons.

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 2017-06-06
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have repeatedly requested an investigation to be conducted as to the balance reporting on my credit file by NCC business services regarding a collection account by XXXX/XXXX. They are reporting an incorrect balance owed of {$1000.00}, and have repeatedly updated this balance even after I have advised them this debt is over 7 years, and also discharged under my Chapter XXXX Bankruptcy filing. Attached you will see a version of my latest credit report that indicates they processed an investigation in XX/XX/XXXX and NCC business services verified the reporting and balance as accurate. This is absolutely incorrect and very damaging to my credit history. I requested a second investigation in XX/XX/XXXX, and I am providing a copy of my discharge paper. I am just appauled that NCC has been reporting this falsely on my credit report causing serious hardship in my ability to secure housing for almost 7 years. I am not in a very tough situation and feel NCC is trying to use my housing hardship to co-erce me into paying a debt I have been discharged from, legally.

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