BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payments mysteriously disappear after funds are cleared. Inaccurate accounting, misappropriation of funds. Unjustified foreclosure proceedings, the list is endless, if it has a legal definition PHH will break it. but currently I cant even find out who if anyone holds a mortgage on my property or who is my servicer. PHH is actually three companies, PHH Mortgage, XXXX XXXX and XXXX XXXX Mortgage. XXXX claimed that they transferred my loan to XXXX XXXX, but there was never any documentation filed with the county. Whenever I ATTEMPT to contact XXXX  XXXX, PHH answers. They say they can not help me because they are a separate company from XXXX XXXX. Why is PHH answering XXXX XXXX phones if they are a different company? PHH has been a complete nightmare for the entire time Ive been with them since 2003, They have done everything possible to steal my house. Please do something about PHH Mortgage and its fraudulent shell companies. I dont expect you to actually help me because no one does but if you could possibly save someone else from this XXXX show the world might be a little better place. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Citibank on XX/XX/XXXX through a promotion which was supposed to pay me a {$400.00} bonus. I should have received the bonus on XX/XX/XXXX. I have yet to receive the bonus. I called Citibank customer service on XX/XX/XXXX to resolve the issue, and was told they were opening an internal investigation to resolve the issue within 10 days. I have not heard back from them since, nor have I received my {$400.00} bonus.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I reached out to Transunion on XX/XX/XXXX and on XX/XX/XXXX because they are reporting an inaccurate and inconsistent payment history under the account with " XXXX XXXX  '' and I tried to have them fix this matter, but they will not comply with the law. 

To date, it still reports me 120 days late 6 months in a row, from XXXX to XXXX of XXXX, and there is no prior dates of delinquency at all.

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 2022-04-16
Company: EQUIFAX, INC.
State: FL
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:
TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have two XXXX lease accounts. one of them is current, another one ( XXXX account number starting XXXX ) was totaled last year and the insurance paid it off, however, it shows charge off account with six month late payments on it. I talked with the insurance company and they told me it was their mistake and they going to fix it asap, so they sent the report to all credit reporting agencies. NO RESPONSE at all it is still in my credit report. 


Other XXXX account, which is still current and I have the car in my possession ( account number starting XXXX ) is showing 30 day late, but I don't have any late payments on it. 
during COVID lockdown I asked XXXX XXXX for payment extension, they approved me, and also told me you are not going to have any late payments on this account, but in the end, they reported 30 day late payment to all credit reporting agencies.I am struggling 5 month. I called Experian 100 times, the answer was Call XXXX XXXX to fix this, i called them more than 100 times, they like its all done don't worry about it .Untill now I have both accounts on my credit report with late payments. Please help me if you can do something I would really appreciate that.

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 2016-07-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried to reach out to Experian to ask them why my credit score for utilities ( XXXX ) is so different from my primary credit report ( around XXXX ) ; I have n't been able to get through their systems, as their phone is useless ( XXXX ) and they require a report number on their site -- a report about my credit on utilities, that I do not have. As a result of this report, ( and I only found out through a letter from the utility company ), I was asked for a deposit for my energy bill, and due to this and additional other issues, my power was turned off without warning. -I 've paid my bills consistently for the last 5 years, so I did n't understand where this was coming from ; my previous energy company issued a very positive letter of credit to the new company. 

I would like to know : 1. Why there is a drastic difference between the XXXX? 
2. What items are on that report that are bringing it down? 
3. A copy of my 'utilities credit ' report. 
4. Information on how to challenge anything on said report. 
5. A contact phone number or email that actually works

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 2015-10-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
RE : Experian Reporting of XXXX XXXX XXXX XXXX XXXXThis letter is a formal complaint that Experian is reporting inaccurate credit information. 
I am very distressed that Experian have included the this information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either Experian or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a a personal line of credit to start a business, which was highly embarrassing and has negatively impacted my lifestyle. 

The attached letter was sent to Experian USPS Certified mail XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have called and disputed these inquiries because they are not mine. The credit Bureaus took one off and left 5 on. I sent the information they asked for but the credit bureaus wont help fix this problem.

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 2015-07-28
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/XXXX I opened a car loan with Santander and it became delinquent around XX/XX/XXXX ... I requested for it to be repossessed in XX/XX/XXXX. Now Santander Consumer Usa the loan servicer keeps changing the date of 1st delinquency on my credit report every year and adjusting the deletion date. It should have been deleted XX/XX/XXXX. Everytime I request the info from Santander and credit bureaus they say it can not be verified and Santander wont give me any verification of the loan. Today, reported the first day of delinquency is XX/XX/XXXX, which is inaccurate. I need this to be verified and deleted. I have requested several times for this to be verified and corrected but to no avail. Santander Consumer USA has committed fraud against me by changing the dates on the documents everytime I disputed it with the credit bureaus and the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have NYCB Mortgage Company and every year they magically do not have proof of insurance - we live in a condo association which renews on time. In addition, they require a separate policy for us and even though we have prepaid the policy, they continue to collect an escrow payment for the policy and now when signing into our account, there is no way to actually pay our new mortgage payment - a payment which has been paid on time since inception. STAY AWAY FROM NYCB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
As of XXXX XXXX, 2016, I have now submitted on three different occasions, XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016 disputed information to Experian Credit Monitoring Services regarding incorrect personal informatin on my credit report. The fact that my disputes and requests for correction never get addressed and I 'm never even notified by any party on the outcome, if there is an issue ( s ), if there 's a need for additional information, or of anything, I 'm continuing to have to submit disputes to Experian Credit Monitoring Services regarding correction of my personal information. The fact that each time nothing gets corrected, raises significant question regarding the overall reliability, integrity and validity of Experian Credit Monitoring Services of doing any part of their job in investigating and correcting and responding to my inquiries, disputes, and requests. A copy of this complaint is being forwarded to other governing agencies, one of which will include the Office of Inspector General, Federal Reserve. 

On XXXX XXXX, 2016, I submitted an online dispute notification to Experian Credit Monitoring Services, but nothing was ever corrected regarding my dispute of personal information. 
On XXXX XXXX, 2016, I called Experian Credit Monitoring Services and spoke with a representative who identified herself as XXXX and she indicated she was on " Team XXXX ''. XXXX stated she would correct all of my personal information in which I had originally disputed on XXXX XXXX, 2016. We went through each item line by line. 

On XXXX XXXX, 2016, upon reviewing my credit report once again from Experian Credit Monitoring Services, my report is still showing the incorrect personal information that was supposed to have been corrected upon online submission of my dispute and correction request on XXXX XXXX, 2016, and upon my subsequent follow up verbal telephone call on XXXX XXXX, 2016 to Experian Credit Monitoring Services which entailed a verbal discussion with representative, XXXX, who stated over the telephone on XXXX XXXX, 2016 that the personal information has been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax and XXXX are reporting tax liens on my credit when they are NOT tax related. They were from traffic tickets. They have led mortgage lenders to believe that I have tax problems and I have been declined credit because of it. This is in violation of the FCRA and the courts upheld this in this case : US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: MD
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- CLOSED ACCOUNTS -- 1. XXXX XXXXXXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I made an XXXX appointment with the XXXX XXXX XXXX in XXXX on XX/XX/XXXX, and XXXX XXXX XXXX refused to do the ear cleaning and referred me to an XXXX, although it was not urgent, and she should have been able to XXXX. I did not go to the XXXX, as I knew it would be more expensive, and so I used up XXXX sets ( XXXX ) of the remaining XXXX sets of XXXX that I had left over that I had purchased in XX/XX/XXXX. The XXXX sets cost about {$100.00} and are no longer available. XXXX failed to tell me in advance that I would be charged if she refused to do the ear cleaning. She did not give me a bill and failed to tell me that I would be charged when she refused to do the ear cleaning that I specifically made the appointment for. I later received a bill dated XX/XX/XXXX, for {$76.00}, after Medicare paid the first {$12.00}. As there was no way to call XXXX, I called the XXXX customer service, and I was told that a supervisor would call me, but no one did call. After I received the 2nd bill, I called again, and they had no record of my having called the first time, and again I was told that a supervisor would call me, but no one did. After I received the 3rd bill, I went in to talk to XXXX and her coworker, and she seemed to agree that I should not have to pay, but she could not reverse the bill, so she emailed her supervisor who was supposed to call me but did not. Several weeks later, I received a letter from XXXX XXXX XXXX from the XXXX XXXX XXXX office in Rhode Island. As she does not take calls after XXXX California time, and I do not get up that early, I left XXXX phone messages for her requesting an email address so that I could explain in writing why I do not owe XXXX anything, but she never responded.So on XX/XX/XXXX, I mailed her a XXXX page written letter. The next day, I received a bill from XXXX 's collection agency, Transworld Systems Inc. in XXXX, PA. I called the same day and left a message explaining that I do not owe XXXX anything, and now they have sent a second bill. On XXXX XXXX, XXXX XXXX illegally called me at XXXX and left a phone message. I left a phone message for her that she needs to stop billing me for the fraudulent charge. Medicare defines Insurance Fraud as " One form of insurance fraud is when a provider bills medicare for services you never got ''. As a result of my bad experience with XXXX, I will never use a XXXX XXXX XXXX, and I will never shop at XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to get NewRez/ShellPoint Mortgage Servicing to sign a SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT for 7 months and they will not respond. This will cost the homeowner over XXXX XXXX dollars over the life of the lease. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial incorrectly reported to the credit bureaus that my XX/XX/2022 payment was late ( it was not ) and then reported the balance of my loan ( XXXX left on a {$27000.00} loan ) delinquent. This is destroying my credit.

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 2016-02-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an Open account with XXXX Collection they account was paid in FULL before I purchased my house in XXXX, I then File Bankruptcy and was discharged of my debt in XXXX XXXX. Equifax continues to report it has an Open Collection which it is not I have contacted them XXXX time to get this close with proof of payment bankrupt discharge etc. They still refuse to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Navient Solutions, LLC.
State: DC
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:
Navient is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to Navient disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, Navient responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.I will seek monetary compensation if this isnt handled

Company response to consumer: Closed with explanation