BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing foreclosed on our home XX/XX/XXXX ( this was ratified by the courts the following month ). Since that date we have been working toward repairing our credit, in order to once again have the opportunity to participate in home ownership. We have put ourselves in a position to be pre-approved for a VA loan, but have been denied, because we are still the owner of record for the home they currently own ( XXXX ). We reached out ( by letter ) to their research department in XX/XX/XXXX and received a response dated XX/XX/XXXX. The response said they are looking into our problem and would get back to us within 30 days. We received a second letter dated XX/XX/XXXX, which confirmed what we told them and said that they are in the process of obtaining the deed. Once the deed is recorded they will send us a copy. We waited over two and a half months for resolution, before attempting to find out what progress has been made. We called them on XX/XX/XXXX and they had no answers, but asked us to call them back the following week. We called, once again on XX/XX/XXXX and this time they had an answer. They told us, there was an open water bill that they needed to take care of before they could move forward with the recordation. We were not happy with the " EXCUSE '' and asked to have this elevated. They gave us another number to call, which we called on XXXX/XXXX/XXXX. We explained the problem, once again and was told that they would take care of the problem and we should receive a call back by the end of the week or early the following week ( XX/XX/XXXX-XX/XX/XXXX ). We waited, did not hear anything, so we called them back on the XX/XX/XXXX and they said nothing has changed. They assured me that if they do n't have it resolved by the first of next week ( XX/XX/XXXX-XX/XX/XXXX ), it would be elevated to another level. 
We are at our wits end! Please let us know, if there is anything further we can do to get this resolved. It appears, as if, they have no desire to resolve this issue. If you ask us, this should be illegal, if not criminal to hold folks hostage!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2023-09-25
Company: Century Debt Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I PUT A COLLECTION MATTER WITH THIS COMPANY WHO ASSURED ME WITH WHAT I HAVE A I HAVE A LEGAL CASE THEY TRANSFERRED FILE TO LAW OFFICE OF XXXX XXXX I PAID CENTURY DEBT SOLUTIONS UPFRONT FOR LEGAL COST ONLY TO FIND OUT I NEEDED MORE INFORMATION THAT SUPPORT MY CLAIM THE LAW OFFICE CLOSED THE FILE SENT IT BACK TO CENTURY AND NOW THEY DO NOT WANT TO GIVE ME MY MONEY BACK WHEN THEY DID NOTHING I FILED COMPLAINT WITH XXXX BUT THE LIED AND SAID FILE STILL OPEN WITH THE LAW OFFICE WHICH IS CLOSED

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 2022-04-29
Company: Experian Information Solutions Inc.
State: PA
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 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information other than the records of conviction of crimes which antedates the report by more than XXXX years o 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX-XXXX, Account # XXXX XXXX XXXX  XXXX XXXX XXXX , Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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 2018-02-27
Company: Bread Financial 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:
I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report, they agreed to remove it but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX won't help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received my statement for my students loan to Payments to begin. I was already signed up for auto draft but went ahead and made a payment to get ahead a month ( {$180.00} and This is the only reason I am not currently late ). They auto draft the same amount I paid but applied it to an account that has no payment amount posted and a due date for XX/XX/XXXX. I also saw an auto draft for XX/XX/28 for {$380.00}. This was not on last month or the next statement I received yesterday. I can not turn auto draft back on unless it will draft for the {$380.00}. Luckily I caught this or it would have overdrafted my account and caused bank fees I would have had to pay or argue with my XXXX about. On the make a payment screen it shows {$180.00}. And on the overall loan summary it shows {$180.00}. Also since I had to turn off auto draft, my XXXX XXXX  discount on interest is removed so their error is costing me additional money and lots of stress. I spent XXXX hours holding between work meetings to not get through and have been holding for an hour now. I have sent XXXX emails. I know I am not the only one that is probably having these issues. I am trying to make the payments but they are making it extremely difficult. This is preventing sleep at night stressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Wells Fargo continues to play these rollercoaster games. As youll see from my Preservation Specialist to whom confirmed they got all of the necessary documents for the loan modification. However for the 3rd time Wells Fargo as you can see has contracted themselves. On or about XX/XX/2023 as you all can see I obtained a Home Owners Insurance Policy from XXXX XXXX. However apparently Wells Fargo is trying to force me to take their price gouging insurance policy

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information other than the records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting 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 first 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 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 non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank Fifth Third, cashed a check for {$1400.00} on XX/XX/2023 that was made out to my mortgage Company XXXX  XXXX XXXX XXXX. to an individual via a mobile deposit as indicated on the electronic copy of the check. I notified the bank and filed a Fraud Report with evidence from past mortgage payments to XXXX  XXXX XXXX that it was NOT XXXX  who cashed the check but an individual person. They are refusing to reimburse me for the {$1400.00} when they are the ones who took funds from my checking account and gave that money to a person who was not the recepient as clearly indicated on the check. They claim that they have to " conduct an investigation '' and it could take up to 180 days before they make a decision. In addition, because a random person has my checking information, I had to open a new account which will have severe impact on my ability to pay bills because they will not release my direct deposit to my account until they " verify '' that it is legit because it is a " new '' checking account even though I have been a customer of theirs for nearly 20 years. 

I also pay them for a service that is supposed to monitor my financial accounts for fraud and notify me immediately if something is wrong. I was never notified of this, and in fact they did not even catch this. It was XXXX that brough it to my attention when they called me to collect my past due mortgage payment that per my bank statements indicated that I had paid. 

I have attached a copy of the Fraud Report that I filed with Fifth Third as well as a copy of the check that they cashed to the unintended recepient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Rewards

Complaint:
While on an XXXX XXXX flight, they offered an XXXX XXXX Citi Bank credit card. The offer could be applied for on the plane, or done through their website. I applied online, and so did my husband. The offer was for XXXX bonus miles if you spent {$1000.00} within the first three months of account opening. We were issued the XXXX XXXX cards. We both spent well over that amount within the first three months. The credit card company confirms this was done. I was scheduling my next flight, and noticed that neither one of us had our bonus miles on our account. We had miles for the dollar amount of purchases, but not the XXXX bonus miles. I spoke with a manager in the retention department that was baffled as to why we did n't receive the bonus miles. I was asked to send in the original offer that I applied for, which, by the way, is always a running offer on their website. It has n't changed since I applied. I did so, and have yet to get a response. They are unwilling to credit me the bonus miles that they offered me when I applied. Both my husband and I have done everything that was required to receive the bonus miles, but they will not give them to us. They keep telling me that they ca n't be sure that 's the offer I signed up for. Why would they have sent me an XXXX XXXX credit card, and give me miles for every dollar I have spent if I did n't sign up for this offer? That does n't make sense.

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 2022-04-29
Company: EQUIFAX, INC.
State: DE
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:
Last year I discovered a false account with XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 can't be affected by things that don't belong to me, I need this to be removed immediately XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.

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 2023-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
Unauthorized account and inquiries appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent the Equifax bureau certified letter over 40+ days ago regarding fraudulent inquires on my account and haven't received a response. So I then called and they didn't address issue over the phone either. 

Also sent the XXXX XXXX certified letter which they responded to with solicitations for their services and disregarding the reported fraudulent inquiry I asked to be removed. 

These need to be address immediately as it's negatively impacting and misrepresenting my credit report

Company response to consumer: Closed with explanation