BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all XXXX credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX, and I have no middle name. I was born in XXXX and she was born, I believe in XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a B of A mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.

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 2015-04-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We became current with Our mortgage in XXXX 2014 till present Ocwen who currently has the loan is reporting to credit bureau 's that We are behind. Ocwen has been receiving monthly payments keeping some and returning some to keep the mortgage in a delinquent status previous complaint was file and We did n't respond because We did n't receive correspondence to dispute that there has been no resolution to matter and just found out about a case number this morning which isXXXXXXXX from speaking with a representative, We request a new complaint to be filed with supporting documents previously submitted from complaint filed from above mentioned case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have recently reviewed my Transunion credit report and observed that several inquiries that were disputed and removed and re-appearing on my credit report. Furthermore, other disputed inquiries have not been addressed at all. Transunion always reply with a standard response that it is my responsibility to contact the creditor and address my concern. This is in total contradiction of Transunion previous action because record will show that Transunion had deleted sever disputed inquiries. I am respectfully requesting that Transunion conduct a legitimate investigation into the following disputed inquiries. Furthermore, I want the name of the Transunion Representative that conducted the investigation and the name and contact information of the Creditor Representative that confirmed the inquiry was legitimate. If that is the case I am requesting Transunion to send me a copy of the documents used to confirm that the inquiry was legitimate so I can verify it 's validity. 
XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ALLY XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ( They send me a letter confirming that the inquiry needs to be removed. Letter will be provided upon request ) XXXX XXXX XXXX/XXXX/2016

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 2022-08-04
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DP OF EDUC XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The CRA ( XXXX ) is giving out my information to companies who I no longer have a financial relationship with such as XXXX Bank. In the past 2 years that have given out my credit history to agencies I am not familiar with and as a result my credit score is very low. The hard inquiries by lending institutions sink your score. I have not authorized my credit to be checked by these entities. It needs to stop being a practice at Trans union.

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 2016-08-16
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Made a complaint previously and received documents from ocwen and upon reviewing them myself and with a lawyer, there a numerous mistakes that need to be corrected immediately! There a $ XXXX {$89.00} unnecessary fees applied/charged with ever payment made. On XXXX {$5600.00} in check form was " added '' to my principal as wel as that same amount being applied to interest and accusing a few of {$420.00}. Also, on XXXX, {$8800.00} was " added '' to my principal as well as {$2000.00} added to principal on that same date! On XXXX {$5000.00} was listed. I have numerous corporate advance adjustments that are unnecessary. Also according to my bank statements multiple payments that were paid on time were obviously held by company and then they credited them along with charging late fees. I have payments that were made by trustee during bankruptcy and the date he recorded paying is not what is documented by Litton and I also a cures late charges during both bankruptcies! Chapter XXXX in XXXX, and chapter XXXX in XXXX. I want these mistakes corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried to obtain a report from the agency to dispute this information. While I can obtain it on XXXX XXXX and XXXX, I can not get it from the agencies themselves to dispute the information. I have sent it in writing to the agencies, however I have not received a response nor have the issues been corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX Consumer Financial Protection Bureau I am writing to notify of an issue I am having with the Kansas XXXX XXXX Department. 
I filed a complaint XXXX XXXX XXXX with XXXX XXXX, against OCWEN Loan Servicing. I was told this process will take approximately 100 days. I was also told there would be a consolatory process to see if an agreement can be reached. I told XXXX HUD we did not want a modification agreement from OCWEN, because we originally requested a modification XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and we still have not been notified of the investigation start date. To say that this has really gotten " Long in the Tooth '' would be an understatement ... 
XXXX XXXX has been unable to give us a timeline for the investigation. XXXX XXXX has been manipulated by OCWEN to attempt to strong-arm my family into a several modification agreements. I am requesting remedy under the {$25.00} XXXX XXXX XXXX XXXX, which OCWEN is XXXX of XXXX defendants. Your oversight for this process would be a Blessing. 
In your service, XXXX XXXX XXXX, XXXX. & XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PS : We have complete email documentation to support all the above

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
dear sir-i am trying to do loan modification with caliber home loans send them all they asking 3 time -- -call and tolk to about XXXX rep from there co, every one tell me something different -- send them with the USA mail service register with the return receipt all the ask..i am asking them.-to validate the debt -- -- -- debt validation -- -- -- not account summery.-also to send me a proof theta i have contract with them, i also need there tax registration certificate, than you-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The phone number they call from is XXXX. They have said that their names are XXXX XXXX and XXXX XXXX. After pressing them, they then say that they are Transworld and are trying to collect a debt for medical expenses. They start demanding credit card information and social security number for verification purposes ( yeah right )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Stern & Stern. P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
this company keeps threating me harrasing me i dont know them keep on asking them to stop calling me they refuse there threating me to throw in jail please have them stop bothering

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 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my credit report that I never lived at. Can someone please help me get it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An online order in the amount of Approximately {$2000.00} was placed with XXXX on or about XXXX, 2016. Said order was subsequently cancelled by the merchant due to the previously opened dispute stemming from defective merchandise etc ... I have never received said order or signed for the merchandise. 
Collection agency was requested to submit proof of purchase along with their DCA license number numerous times, however, failed to do so. Their correspondence was received in rapid ... less than a week between letters sequence ... that not only violated any and all rules and procedures listed in Administrative Code, but made it look like Debt Collection Agency did n't receive my response and/or did n't feel like responding to my correspondence ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.

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 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have incorrect information on XXXX, XXXX and TransUnion reported by XXXX ( Medical/Health Care ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, XXXX and TransUnion, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Opportunity Financial, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have not even received any money from this loan that they say I allegedly took out. I have emailed them. Then they said that they would update the information. Then I get another email with a guy being completely rude They have contacted me all through XX/XX/XXXX and up until XX/XX/XXXX,. I can not seem to find a website on these guys. They have a XXXX number which seems long distance. 

It is my wifes email and she only uses it for XXXX.. That is the funny thing about this. Please help. They put this on my credit and I am having problems getting it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
XXXX reported an hard inquiry to Transunion Credit Bureau on XXXX/XXXX/2015.

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 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have mailed in my letter advising I am not disputing anything on my credit report, however, there still remains disputes on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been trying to obtain a Harp Loan for several months, getting nowhere. I checked my scores in XX/XX/2016 had all incorrect information corrected. In XXXX I began my search for a mortgage company. XXXX was the holder of my lien and I was desperate to get out from their control. 
I had previously filed a complaint against XXXX for breaking the law, withholding evidence, taking deceptive measures to avoid being exposed for their culpability in preventing the arrest of this person which lead to my loss of thousands of dollars. 
When I checked my scores a few weeks ago, XXXX had accessed all XXXX credit agencies and added a " Fraud Alert '' along with a statement I made sometime in the last 3 years when I told them if any accounts are accessed again by scammers, thieves, or whatever action resulted in my loss, I would never repay the loss on fraudulent checks again. 
I am amazed they would attempt this soon to wreck my credibility. This is what happens to good people when banks are not held accountable. 
In your report to the OCC you mentioned the high number of complaints against XXXX not giving Executors and family members access to deceased records which is their legal right to obtain. XXXX gets away with noncompliance consistently. What gives them the right to access my credit report and post a FRAUD ALERT on a whim. Could it be they wanted to keep me from getting a refinance in order to keep my loan with them? 
I disputed what they did with Transunion and the comment was removed immediately. 
However, when I received my letter from them saying it was removed, I asked them when it was originally posted and by whom, they said that information could not be disclosed. I found a way to access who posted it but their was no date. I have no idea how many companies read my report. 
Knowing from experience that it does not matter how much documentation you spend your time on proving your case, it really does n't matter, if ever needed, I will provide.

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 2015-06-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. I was given a toxic loan [ enclosed ] on XXXX XXXX 2007, just before the collapse. This loan is about to explode leaving me and my husband homeless at our age The Servicer refuses to help us although others in our loan pool have been helped. 
Our loan is about to go up XXXX per month an amount we were never qualified for. The rating agency is XXXX.They have the power to make this happen. After rating all these loans triple AAA ..when they were not..We really need help..loan number XXXX ... our address XXXX XXXX..The servicer is Owcen Servicing. THey have repestedly lied and pushed us through hoops ... .thier address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX

Company response to consumer: Closed
Consumer complaint received 2016-12-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 'm making on-time payments and I 'm in good standing but I 'm not receiving any type of credit score increase for making on-time payments

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 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
the IRS and Minnesota revenue released me from tax liens debts and it was my ex husbands business in which I just signed the tax returns at the end of the year. My name was never on his business. 
I would like the credit bureau to completely removed the tax liens from my credit report since the debt was never mine and the IRS and Minnesota Revenue released me from these debts.

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 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
For the past seven years, I have disputed a tax lien Trans Union has listed on my credit report every year with review of my annual credit report, and every year, Trans Union responds they have validated the tax lien. On XX/XX/2017, I finally went to the court house listed on my report to try to find record of this tax lien. The courthouse had no such records, yet Trans Union 's most recent response to me was that they verified the account -- as they 've responded for the past seven years. This has frustrated me because I do not own nor have ever owned any property that could be subject to a tax lien, and yet, for the past seven years, Trans Union has continued to report this innaccurate information on my credit report despite my multiple efforts to correct them.

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 2015-06-09
Company: U.S. BANCORP
State: KY
Product: Credit card
Issue: Other

Complaint:
I received a letter from U.S. Bank stating my credit card account is delinquent. I called and inquired as to how that was possible when I have " autopay '' activated. I was informed they notified me 6 months ago that the feature was being turned off and I would have to turn it back on. I never received this notice and I been presuming that my payments were being made as per my instructions. In the interim they have been charging me late charges and interest for each month. I have spoken to XXXX representatives who essential told me " tough luck. '' XXXX, I immediately paid the entire balance once I was made awarre of this debacle. If they were turning my " autopay '' off, which I deny receiving notice, why wait six months to let me know? I further believe that have reported on the trade lines that the account is delinquent, thus affecting my credit rating. I would like for the fees and interest to be refunded as well as the trade lines removed from my credit report. I might add that this smacks of class action to me because I am certain I am not the only person duped in this manner. Once this matter is resolved I intend to cancel the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation