BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: WY
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:
Inquires that show up on my report that are incorrect and unauthorized, please remove all inquires ( XXXX ) see below. 

XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Sequium Asset Solutions, LLC
State: WI
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 received a letter from Sequium Asset Solutions , LLC offering a settlement amount. When I called about the amount a representative from the company XXXX XXXX XXXX XXXX said if we paid the offer amount this would be deleted from my credit reports. That conversation was around XX/XX/XXXX. The rep XXXX XXXX XXXX XXXX said to call her back after I made the payment. I paid the collection agency {$660.00} on XX/XX/XXXX, and called XXXX and spoke with XXXX XXXX to let her know I made the payment of the agreed upon amount of {$660.00}. I again discussed getting this deleted, and she XXXX XXXX XXXX XXXX stated that I should call her back in 30 days and they would do a deletion. On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX who stated that her supervisor would send me a paid letter to my email by the end of that day. In that same conversation she stated that they could not delete this from my credit report and I had to call the initial creditor which is XXXX XXXX, XXXX about the deletion. I reminded XXXX XXXX of our conversation on her recorded line about deleting this, she continued to say I had to go through XXXX for that. On XX/XX/XXXX I spoke with XXXX XXXX about the letter not being received, and she said that her manager said it wasn't processed yet. Again she stated that I needed to talk with XXXX about the deletion. I called XXXX on XX/XX/XXXX about the deletion and they suggested I call XXXX back about the deletion because they couldn't ' do it on their end. There is no need for me to call XXXX back because I've already spoken to them several times. I'm getting the run around. I just want XXXX to be deleted off all XXXX of my bureaus because that's what they said they would do. I feel as though we were mislead about the deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 


The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...

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 2022-10-06
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I requested a transfer of an IRA CD prior to US Bank charging a maintenance fee. They failed to transfer the CD and charged a fee. After discovering the problem, they have finally transferred the IRA but still charged the fee and have not reimbursed me for it. In fact, the branch manager said they did not reimburse maintenance fees. I believe they owe me for the {$30.00} fee, since the request was made before the assessment and any error is theirs. The XXXX XXXX the account was transferred to had to contact the XXXX XXXX  in order to get them to transfer the funds.

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 2016-07-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Monday, XXXX XXXX, 2016, my son deposited {$500.00} CASH into a XXXX ATM which was to be deposited into my Citizens bank account. Thinking that because it was cash, it would be available for use the next day or, 2 days at the most. Two days passed and the funds were still not available. I called my bank, Citizens and they told me that these funds were " on hold '' and would not be available until Monday, XXXX XXXX, 2016. Not only that, but Citizens could not give me an explanation as to why they would hold a cash deposit for this long period of time. This money was to be used for a bill that was due, but since I could n't have access to my funds, this bill was paid late. My complaint is, I think that it is very unreasonable for Citizens to place " on hold '' a cash deposit for this length of time and not give me an explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 a 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 2022-05-06
Company: OneMain Finance Corporation
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:
Onemain financial has a inquiry on my report on XX/XX/2022 which I didnt authorize or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Credit Service Company, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Service Inc has violated my rights under the FDCPA. Pursuant to 15 ISC 1692a-3 I was never obligated nor responsible to pay you for an alleged debt. I have not received a notice that I have a right to dispute nor any correspondence from this company to validate they are collecting on the correct debt. I have not contracted with Credit Service and have no business with you or employees of Credit Services Inc as to the alleged debt. You are now on Notice to Cease Communications from me from all mediums including my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: OR
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:
In accordance with the fair credit Reporting act XXXX  Account Amerinat has violated my rights 15 USC 1681 Section 602 States l have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: NC
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 report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 a 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 2020-06-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX, XXXX, as Indenture Trustee for the Registered Noteholders of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) was to provide notice of assignment within thirty ( 30 ) days of alleged acquisition of my note and mortgage in XXXX XXXX. But, never did such. My lender, XXXX XXXX XXXX, went out of business and shuttered its doors in XXXX. Yet, 3 years later Ocwen Loan Servicing , LLC ( " Ocwen '' ), modified my mortgage in XXXX XXXX and used a robo-signer to endorse the modification agreement. Then, 7 months after modification, Ocwen, with the assistance of MERS, prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus, in XXXX XXXX no lender could have authorized Ocwen to continue to accept mortgage payments, better yet modify my loan and mortgage. Further, it was impossible for XXXX XXXX to authorize any real property transfers in XXXX XXXX since it had closed 3 years prior. Also, the Assignment that Ocwen prepared was for a transfer from XXXX Mortgage to XXXX. However, an endorsement is affixed to an Allonge wherein my loan transferred from XXXX Mortgage to XXXX XXXX, so my loan could not have transferred from XXXX directly to XXXX. Next, the Assignment prepared by Ocwen in XXXX was largely executed by robo-signers : XXXX XXXX, XXXX XXXX, and notary XXXX XXXX. Last, the Assignment is executed by MERS in its individual capacity ( by an Ocwen employee ) and not as a nominee for any party. But, MERS was never my lender and thus not the party to transfer my mortgage from itself to any other party. Consequently, there was no valid assignment of my loan and mortgage from XXXX XXXX prior to its closure in XXXX and Ocwen has clouded my title with its illicit conduct. Despite the fact that XXXX has not obtained the legal right to foreclose my mortgage, in XXXX it commenced a foreclosure action based on the above described fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing holds the second mortgage on my home. At the time I filed a Chapter XXXX Bankruptcy my payments were current regarding this loan. Ocwen stated that due to my current bankruptcy status they could no longer accept payments towards this loan. There was no basis either contractually - in the promissory note, or legally - as a result of the bankruptcy filing, for the beneficiary or its servicer to refuse to accept my payments. Instead it was a ploy to try to force me to sign a reaffirmation agreement on this debt, which I had no legal obligation to do so. Now they are attempting to add late fees and foreclosure fees to my loan balance, fees that were incurred as a direct result of their own unilateral action of unjustifiably refusing to accept payments. This is, to my view, an unfair and deceptive practice towards me that was likely repeated with many other consumers. I have suffered damages in the amount of lost wages, legal fees I incurred in fighting the foreclosure and doing the mediation and in the amount of late fees and foreclosure cost being tracked on the end of my loan balance. I lost my father less than a year ago and this additional stress caused by the threat of foreclosure has been unbearable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: TX
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:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ...

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions.

The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. 



The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...

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 2015-08-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I are trying to sell our home but during the title search they found a satisfaction of mortgage from 2003 for {$22000.00} which was not recorded by GMAC in the county records. That mortgage was paid off during a " refi '' by another GMAC loan one month after the {$22000.00} loan was taken out. We were directed to Ocwen to retrieve this document and have contacted them by phone, fax, and e-mail numerous times but with only one response back saying they need more info. I decided to drive to the headquarters about 1 hour away from my home but after giving them my SS #, address, and loan number they told me that I was not in the system and they could not help me any further, he also advised me to contact there research department which is who we sent all our faxes and e-mails to from XX/XX/XXXX. I am currently in the 3rd extension on my home and the home we are purchasing. We are currently paying an extra {$250.00} to lock in our buyers rate since his rate lock has expired. In addition, we are in jeopardy of losing the house we are trying to purchase, which will also jeopardize our {$10000.00} deposit. I feel we have been extremely patient with this company but we have been grossly ignored over the past 30 days trying to obtain this document. I am a business owner myself and I feel this lack of customer service is incredibly ignorant in this day and age with unlimited lines of communication in which they can, at minimum, contact me and let me know they are at least working on this issue. Unfortunately the only communication from them came to us in the mail asking for more information on XX/XX/XXXX. We responded to there request but as of XX/XX/XXXX we still have no communications with this company. I will be retaining a lawyer to pursue this issue further on Monday XX/XX/XXXX but unfortunately we are not made of money and are only willing to do this to try and keep our deposit. We have come to terms that we are inevitably going to lose our dream home, and lose the sale of our home as well. This document affects the financial and mental well being of XXXX families all waiting in limbo, living out of cardboard boxes and sleeping on mattresses on the floor. All XXXX families have been packed and ready to move from XX/XX/XXXX and all because of this simple document which nobody can help us with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ACCOUNTS THAT I COULD NOT ADD : XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX FTC ATTACHED The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking ... The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is ... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade  Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ...

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 2016-01-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Every year around this time, Ocwen ca n't seem to get me my mortgage bill. Even after ( XXXX ) additional request for them to mail me another bill. On XX/XX/XXXX, I still had not received my mortgage bill ( due XX/XX/XXXX ) so I called Ocwen and requested another bill be mailed to me. On XX/XX/XXXX, I still had not received a mortgage bill so I called Ocwen again to request a XXXX bill be mailed to me. On the phone, I was also given the option to mail payment in with last months bill stub and I did exactly that. On XX/XX/XXXX, I received a bill that was printed on XX/XX/XXXX, 3 days after my original request. # Days to print another bill and 17 days in the mail? Still no original bill from Ocwen and I know that they will not process my check til after XX/XX/XXXX with a late fee. What a scam. I have perfect payment history and credit with all. How can this only happen with Ocwen every year. I refuse to give them my credit card or banking info so this is what they do. It is not fair and I feel that there is nothing that I can do about it. You ca n't even pick mortgage companies, they pick you!

Company response to consumer: Closed