BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX I have been trying to resolve this matter for over a year. XXXX XXXX asked me to help reconcile his account and I sent an email to customer care on XX/XX/XXXX. The email I received stated that he needed to give written authorization, which he did on XX/XX/XXXX. He died on XX/XX/XXXX. No one ever got back to me. I was told that I needed letters testamentary to get any information regarding the account. 
The probate process is long, and I received letters on XX/XX/XXXX. I contacted them again on XX/XX/XXXX. Their response on XX/XX/XXXX stated that my information would be forwarded to the appropriate department for review and processing. It never stated they had filed for foreclosure. I sent another email on XX/XX/XXXX requesting information because I had not heard from the company, and I learned that the property was being foreclosed on even though it was still in probate. 
They never properly informed me on this matter. No timely information was sent to resolve the matter before it was sent to foreclosure. In doing my research a letter was sent to me and the deceased at his property address on XX/XX/XXXX giving him 30 days to dispute. However, 2 days later a foreclosure in XXXX XXXX was filed on XX/XX/XXXX even though they knew the property was in probate. Then a duplicate letter was sent to me at the deceased address on XX/XX/XXXX. This seemed like a bad faith attempt. All letters addressed to me should have been sent to my address. When I contacted them on XX/XX/XXXX this was within the XXXXday period of the XX/XX/XXXX letter, so a foreclosure should not have been filed. Their responses to me should have included the fact that they prematurely filed for foreclosure, so I do not feel that those fees are warranted. I asked for a waiver of the fees, and I never received a response to my request. The account was reinstated and I still have not received notice of cancellation of the foreclosure. 
I received the XXXX statement with assessed expenses of {$2400.00} and no explanation. When I called, I was told to look at the transaction part which had an assessed expense of {$100.00} for attorneys fees on XX/XX/XXXX but no other explanation. Customer service told me that they sent a reply to my waiver request to an XXXX XXXX XXXX instead of my office address or even the property address. 
It is unfortunate that no one is taking accountability for the multiple mistakes made in reconciliation of this account. No one seems to have any authority to give me requested information and correspondence is continually being sent to the wrong place even though my information has been given to you multiple times. Extra fees are still being added to the account.

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 2023-10-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
In XX/XX/XXXX, XXXX went into a lock-down because of XXXX, so I ended up not having a job. Because of XXXX, I had no way of making monthly payments for my vehicle. I decided to call Infinti Finance Department telling them about my situation regarding making payments.

The employee I spoke with placed me on a forbearance for one month and told me I dont have to make the payment at the end of the forbearance, but that my loan will be extended from the original time it was supposed to be paid off. 

Another month went by, and I still wasnt working, so I called Infinti Finance. They put me on another month of the forbearance. I called the finance department around XX/XX/XXXX requesting to take me off the forbearance so that I could start making payments, which I did moving forward. I set myself up autopay at that time. 

Sometime in XXXX, I received an email saying that I had to pay double the amount for the billing, so I decided to call Infiniti about the matteras I was on autopay. The agent on the phone told me to ignore it and continue to make my monthly payments, which I did as it was set onto autopay. 

XXXX year later in XX/XX/XXXX, I noticed that my credit score dropped horrifically. I called Infiniti and they said that I had XXXX late payments. I was very confused and shocked to find out I was late on a payment because I am on autopay. I asked Infiniti Finance to find out if I can get the situation resolved and they said that it wasnt possible. I even paid what they said I owed, which was the two monthly payments plus the original that comes out automatically every XXXX of the month. 

I am a XXXX XXXX who is serving on XXXX XXXX, and they still wouldnt attempt to accommodate me. I tried telling them exactly the story about how I noticed a double payment and was told by a representative to ignore. A year later I find out it resulted in XXXX of negative late payment remarks on my credit reports. 

At that point I tried disputing for over a year with no results, no help, and no guidance. They dont even care if youre a XXXX XXXX, so I dont know why they even have a XXXX department in their finance department because it very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request an investigation of my credit report that I received recently. I have identified some accounts that require further explanation and clarification to ensure their accuracy. I am not implying any wrongdoing on the part of the creditors, but I need to understand the details of these accounts better. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that the XXXX  Account # XXXX has violated my rights. Section 602 A of the FCRA states that I have the right to privacy. Additionally, Section 604 A Section 2 of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions.

Therefore, I request that you investigate the following accounts on my credit report and provide me with a detailed report of your findings : Account A : XXXX XXXX XXXX Account B : XXXX XXXX  Account C : XXXX XXXX XXXX Account D :  XXXX  I understand that you have 30 days to complete the investigation as per the FCRA guidelines. I would appreciate it if you could respond to me with the results of the investigation within this time frame. 

Thank you for your cooperation in this 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 2017-12-14
Company: PROVIDENT FUNDING ASSOCIATES
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a check to payoff my mortgage with Provident funding. They received the payment on XXXX/XXXX/XXXX and they posted it in my account on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-08
Company: EQUIFAX, INC.
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:
I disputed a collections account on my credit report that is not mine. I uploaded documents showing information from the supposed creditor that I do not owe anything as they do not have me on their records what so ever. I have proof I have never left XXXX. The debt collector doesn't even have my correct address or spelling of my name but they keep saying the information is accurate and the debt is mine. If they did proper investigating they would find I have nothing to do with this collection and it is fraud. There are tons of complaints from others on XXXX reviews stating XXXX has done the same exact thing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since XX/XX/XXXX, I have called Kia Finance every few days at different times to ask questions about my end of lease on XX/XX/XXXX. In addition, their automated system states I owe a payment for XX/XX/XXXX, however, I paid my last payment when I entered into the lease agreement. I need to talk to an agent to address these issues with my lease. 

Every time I call the number on the letter, Kia states that they have a high volume of calls and their phone system hangs up on me. This is ridiculous! How can a company be allowed to operate without proper staffing in place. It's understandable to have some issues but this is the same message for over a month. They should be fined at this point if they can not answer calls. How it is even legal for them not to be able to take a call from customers on their accounts? I call at different times of the day, every day of the week and can never get through, can not leave a message, and can not stay on hold as the phone system hangs up on me at XXXX XXXX  when they first open. How can they have a call volume right as they open at XXXX XXXX  that they can not handle and hang up on customers? How can I resolve account issues when I can not get through to anyone at Kia?

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 2021-03-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an XXXX Chase credit card which I have had for a few years. I have a credit limit of {$12000.00} and I owed over $ XXXX on the loan. I am currently going through a divorce and I was trying to purchase my own home. In order to qualify I needed to pay down some revolving debt. I paid off XXXX on the XXXX chase card. Doing this helped my debt to income as well as my Utilization. Let me preface this by saying I have never been late on 1 payment with Chase. I have made all payments on time for years. I pay them off and boom I qualify for my house and I am ecstatic. I get a letter in the mail dated XX/XX/XXXX. They are lowering my credit limit to {$7500.00}. Why? I have too many high debts on revolving accounts. OK but I need this to help my utilization. I called Chase on XX/XX/XXXX and she told me the PRR department wasn't in and to call the next day. I called on XX/XX/XXXX. I explained to the guy the situation, he was smug, in my opinion, and told me he had to pull my credit. I had paid off other debts and had a plan to pay more down. They tell you when you get preapproved to not apply for any other cards. I allowed him to pull it only for him to come back and deny me. So I can be approved for a {$240000.00} house but now a {$5000.00} increase in the amount I had just paid. The guy kept trying to get me off the phone as I was asking for further explanation and help as to not allow my score to drop where I didn't qualify for certain mortgage products. He didn't seem to want to do anything else to explain or help me. There are no exceptions and they do not account for any mitigating circumstances. I know Chase bank is a big company but I thought they would be more willing to help the people who have accounts with them. This does not create any sense of loyalty or wanting to advocate for other people to join Chase. If anything I would tell them to stay away because if you need them, they will not help you. The rep I was speaking to at Chase only advised he could have someone call me when I asked to speak to his manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: MEI AUTO FINANCE INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive written and called this company. Several times the amount being reported to the credit bureaus is different then the amount they are telling me when I called ive ask for varied copies of this debt never received nothing

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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 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 2022-12-08
Company: Diversified Recovery Bureau LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in the late XXXXXXXX XXXX, a debt collection agency began to call my telephone number about a delinquent debt in the name of a female stranger named, XXXX XXXX. Although my phone number XXXX XXXX XXXX XXXXXXXX, became mine in XXXX ; the debt collection company insisted that my phone number was the debtor 's. My phone carrier XXXX XXXX XXXX called the debt company XXXXXXXX XXXX office to verify that my phone number account does not have the debtor 's name and is solely my phone number. The debt collection company agreed to remove my phone number from the debtor account record. They lied about removing my phone number and sold the delinquent debt with my phone number to another company. Since that time, different debt collection companies have called my phone number about this debt. When they found out from talking to me that the debt is not mine, they sold the delinquent account to another debt collection company and did not remove my phone number fraudulently associated with this debt that is not mine. The latest debt collection company calling me now about this debt is Diversified Recovery Bureau, LLCXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; at telephone numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.

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 2021-03-22
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, this is a very old debt that originated with XXXX XXXX. When I opened the account with XXXX XXXX, I opted for their payment protection plan. In XX/XX/XXXX, my business completely tanked and I could not afford to make payments, so I requested that the payment protection plan I paid for be used. 

XXXX XXXX did not apply this to my account because they started an extremely aggressive collection effort which was, for all intents and purposes, an assault on my phone. They called constantly from morning to night using different numbers and demanded that I give them a debit card number for a payment plan. The people that called were possibly in XXXX and using robot dial machines located in XXXX and other small, obscure cities through out Georgia. 

Apparently, at some point within the last year or so, XXXX XXXX sold the debt to XXXX XXXX. Now XXXX XXXX is taking the helm with a constant barrage of emails and phone calls. Many of the emails are peppered with threats of legal action. I also have a recent voicemail from them threatening legal action. 

The amount of the debt XXXX XXXX states in their emails is {$1400.00} and they say it is owed to a company called XXXX XXXX. The emails come from many different screen names. In the emails, XXXX XXXX is listed as the origin of the debt. This activity does not show up on my credit report. 

What does show up on my credit report is a collections action started in XX/XX/XXXX by XXXX XXXX for the amount of {$1100.00}. They list XXXX XXXX as the origin of the debt. 

I am also disputing this with the credit bureaus via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: Personal information incorrect

Complaint:
so i have been trying to get my personal information corrected since 2021 i have sent dispute after dispute and the reporting agency refuses to update my information to the correct information they are violating my rights under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). the credit agencies are not reporting my infomation at 100 % accurate and every attempt of contacting them has been met with silence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CITIBANK, N.A.
State: AL
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:
15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to XXXX  Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXX carrier in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Called in multiple times for company to update the credit reporting, company refuses. I paid off my XXXX loan with XXXX XXXX XXXX  months ago. The company is still reporting that I have an auto loan with them. On my credit profile because of this it looks as though I have XXXX auto loans. Im disputed information with all three credit bureaus and XXXX advised all three bureaus that the information is correct. I have proof of the XXXX balance

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