BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : 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 2019-11-26
Company: Experian Information Solutions 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:
On XX/XX/2019 I wrote to Experian requesting that they remove an account that was reporting twice on my credit report creating a duplicate. Their investigation concluded without removing the duplicate account. XXXX  XXXX is listed on my credit file twice. Once as the original creditor and again as XXXX XXXX XXXX  XXXX. This is UNFAIR. The balance was paid in full directly to XXXX XXXX and Experian is violating my rights by continuing to report an open balance for the SAME account under a different name. I mailed my complaint with documentation that the account is paid in full and Experian refuses to properly investigate this matter. I am attaching related documents and pleading for your assistance in holding the Experian responsible for Fair Credit Reporting.

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 2016-09-28
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is an ongoing issue with my mortgage servicer. Even after a previous complaint to the CFPB regarding improper handling ( Case number : XXXX ) of my account I can still get ZERO information on this loan. Ocwen made a motion to the bankruptcy trustee to receive a XXXX payout after my case was dismissed. The judge awarded them the money over a month ago, but i have been unable to track down where missing funds currently are. The balance on my loan changed by a small amount yesterday, so i called both yesterday and today looking for information and no one will tell me anything other than my account is being handled with " legal '' - and treated me like I had somehow defaulted or caused this problem with the loan. 

My mortgage is not being properly serviced and I am being denied basic information on my account. I made payments in good faith to the bankruptcy trustee on this account and because of Ocwens poor practices the money was never applied. Now - I ca n't even get any information on the account and am being treated like I am the one who did something wrong. This morgage was current for YEARS before being transferred to Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Ocwen Financial Corporation
State: AE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been struggling with paying our mortgage for a while. This is the XXXX XXXX time I have had to borrow money just to keep up. To get most recent modification I had to file bankruptcy, because it was only then that Ocwen would take us seriously. As a result of this my credit is damage. The loan started as an interest only loan, XXXX Arm, which quickly increased in payments. We refinanced to what we thought was fixed only to learn it was another interest only loan with a XXXX Arm. When we tried to correct this Ocwen would not cooperate, instead they had someone else information on our file who was claiming to live in our home but in reality was trying to take the home from under us. It was then we went to a lawyer and had no other choice but to go the bankruptcy route. Even after all of this it is still not over, now what should have been a fixed 2.00 % apr, 30 year loan, if now increasing ( most recent XX/XX/XXXX ), and will increase again in XX/XX/XXXX to a 4.50 % apr, with the final payment being a balloon payment. This is the most discouraging of it all, because we would have been struggling for 30 years and still possibly lose the home is we do not have enough to cover the final payment. It has already been an 11 year struggle ... .and still no relief. We would love some assistance please as we are currently behind 3 months and now Ocwen is rejecting my monthly payments of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/XXXX( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly 658.00 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2017-02-01
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Umpqua Bank shut off the debit card that belonged to the joint on my account for no reason. The local branch said it was because he had n't used it in 6 months. This account is over 20 years old and has thousands of dollars in it, has never been anything other than in good standing. This account started with Sterling Savings at least 20 years ago when I worked their, they never did anything like this. Typically joints are on the account for the just in case and I had such a case come up and that is when he found out his card was no longer good. Luckily, the joint was not traveling because they would have just left him stranded. I did not get any notice of this, the disclosure does say that they can take a card for no reason, but I have been in the banking industry for years and this is done for account abuse. If this process continues the joint will need a card every 6 months, so really they are n't thinking to clear as the cost of the cards do add up. 
You do n't have a correct issue on the bottom that best describes my issue. 
Thank you! 
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 2019-10-20
Company: EQUIFAX, INC.
State: GA
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my 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 explanation
Consumer complaint received 2022-03-21
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On three different occasions I tried asking Capital Accounts for proof I owe this debt. I've asked them to verify and validate the debt they say I owe with a contract that has my signature and they continue to only send me a itemized bill in return. They are being deceptive by claiming I have asked for an itemized bill when they no that's not true. They are also raising the initial debt every other month in interest fees. I asked them to provide any XXXX forms that I signed, treatments I received or anything that might connect me to this debt and they still haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Got a loan at XXXX. Signed up for intellipayment to take payments out every 2 weeks. The loan was with TD bank. XXXX sends them payment every 2 weeks with automatic deduction. Since the day we got the jeep every 2 weeks payments were taken. XXXX sent XXXX payment later than TD banks payment date. XXXX only sends payments on Fridays and this was not the correct day. TD bank should be aware of this since the are signed up to participate in the program. TD bank has called, and sent letters and are harassing me every day about late payment threatening to ruin my credit. We signed up for auto deductions so we do not have to deal with this. I can prove every payment has been taken from our bank account and TD bank refuses to acknowledge this. I am tired of calling dealer, TD bank and XXXX and they all blame each other. At this point if TD does not fix this error, I am going to get a new loan, and not use them or XXXX again. We have had another vehicle on the same program for over 3 years before trading in without any problems and also a truck with no issues. TD bank refuses to fix this error and I need help. They are trying to get another payment which we do not owe and say every payment is late when it is not. I have the payment schedule from XXXX and also can show every 2 weeks payments were taken out. I will never use TD bank again and at this point if they ruin my credit- I will be suing them. I XXXX XXXX took out the loan for my granddaughter XXXX XXXX and the payments come out of her bank account. She is on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX I apply for a credit card in best buy store to purchase a TV the no interest rates for XXXX on the promotion last XXXX XXXX I was left with XXXX dollars so this morning XXXX XXXX XXXX I make a payment of XXXX to my surprise I have a balance of XXXX dollars in i call they said they ca n't help me

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 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2017-10-15
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company! I do not owe them anything! I 've never signed a contract with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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:
In accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: NY
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 had a credit card account open with XXXX XXXX last year. I paid it off full with 2 possible late payment as result my credit score lower. The last time I checked my credit score in XXXX of this year it was around XXXX. For some reason, it was lower 74 points altogether. The reason behind it was because I reported XXXX XXXX and disputed them to confirm they recieved their final payment. The reason I did so was because we had a pre-existing dispute when I paid XXXX XXXX XXXX dallors to my credit card bill and they only applied XXXX something dallors. I didn't see where it was applied to the principal cost and asked them to verify how it was and they didn't.The second debut, according to Experian made XXXX claim I was delinquent after my final payment that's unethical.

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 2022-07-15
Company: Grain Technology, 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:
On XX/XX/XXXX, I wrote to the following companies for a third time in regards to two accounts that are not mine and are fraudulent and reporting on my credit report. This is now my third attempt to resolve this matter, as I have also filed a report with the federal trade commission also in regards to this matter. 

FRAUDULENT ACCOUNTS : Original creditor : GRAIN TECHNO Account # : XXXX Date of Acct : XX/XX/XXXX OTHER FRAUDULENT ACCOUNT Balance : {$480.00} Original creditor : XXXX XXXX Account # : XXXX Date of Acct : XX/XX/XXXX Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a mortgage refinance with Citi Bank XX/XX/XXXX. They provided me with a list of documents they needed from me. I uploaded the documents to the website they instructed me to. They lost the documents. I emailed the documents to XXXX XXXX, who conveniently does n't work for them anymore, and she lost them as well. I overnight expressed physical copies of all documents to their office in XXXX XXXX. I have proof of a signed receipt of the documents. They lost these too. They then cancelled my loan because they never received my documents. However, they never told me they cancelled it. I have been trying to get them to respond to me since XXXX XXXX, and they will not return my calls. XXXX XXXX finally returned my call today, XXXX XXXX, to tell me that my loan has been withdrawn and I will have to start the process over. This is the most incredible incompetence I have ever encountered. I am in the process of moving all of my citi accounts to other banks. I will never do business with them again. But, I do n't want another consumer to have to go through what I have been through.

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 2017-10-15
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency is attempting to collect on a debt that is the result of goods not received. Please see attached letter explaining my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine Weiner is reporting a debt on my credit file I do know owe. I didn't know about the debt until I checked my credit. As soon a I found out I paid the debt. I never received a phone call or letter regarding this debt. They are in violation. Also, they continue to report the debt and hurt my credit after it's been paid. This is erroneous! It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
In 2014 I had opened a credit card account with Macy 's in XXXX at thier department store in person. A month had passed after being activated, and no bill had been received by U.S. mail. When I called to ask, when would I be receiving it, they informed me that It wad past due and that it was sent electronicly. I had not signed up for email billing. MACY 'S reported my first payment as being late, and has not worked with me to resolve that matter. They refunded my late fee, and did confirm the mistake over the phone, but never corected the report with the credit bureaus. I need help resolving this matter. 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 non-monetary relief
Consumer complaint received 2015-04-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Citibank would not grant approval for loan via XXXXAsked for utility bill but provided a non working fax number to send this information effectively denying creditEarlier asked many questions over phone by non XXXX XXXX speaker and supposedly got XXXX question wrong but would not tell which XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.

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: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We bought single family house in 2006 than recession come. 
We have XXXX mortgage with XXXX and XXXX mortgage with CITI BANK. 
We had problems to pay our mortgages so after couple of years we refinanceour XXXX mortgage with no problem, but CITI refused to refinance from beginningand still refusing. Current mortgage rate is 4 %, but we still have to pay for thisvulture, greedy CITI BANK 9 %. We have still difficulties to pay mortgages and CITI BANK does not care about it.

Company response to consumer: Closed with explanation