BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We started a loan with XXXX XXXX XXXX in 2007 when we bought our current home. After a few years we were transferred over to a company called OCWEN ( without our permission ) and eventually the problems started. After several more years, we were transferred to PHH Mortgage ( again without our permission ). Our main complaint / concern is that we now owe more that we originally borrowed. We make our payments on time every month and are getting nowhere. PHH Mortgage is a very difficult company to deal with. My husband has been on the phone with them for 3 hours straight ( at one time ) and they just pass him from person to person with no resolution to our questions. They are applying fees and penalties that we have no idea what they are or mean. They say we are behind between {$8000.00} and {$9000.00} on payments. We got a letter from them about 4 weeks ago stating we are in pre-foreclosure. At this point, we are exasperated, worried, and frustrated. We have been paying payments on our home since XXXX of 2007 and are getting nowhere. We just keep getting the run-around and feel that we are being mistreated and that our money is being misappropriated. We need help please! Let us know what you need further to address this. We are out of answers and don't want to lose our home. It is also affecting our credit scores.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX  XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting me.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX 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 2018-08-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian is reporting an account with XXXX XXXX  that has surpassed the Credit Reporting Time Limit. The last status update occurred on XX/XX/2009 and indicates a Paid, XXXX Balance ; however, this account is well beyond the 7 year Credit Reporting Time Limit.

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 2021-06-17
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. CXXXX XXXX XXXX XXXX v. XXXX, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX  vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We recently experienced a vehicle break-in and important papers were stolen that may be used to compromise our identity and credit. Husband immediately took to freezing our accounts with the 3 credit reporting agencies. 2 down - 1 to go : Equifax. Husband was required to request a verification code mailed on XX/XX/2019 and soon received. Logged back on to https : //my.equifax.com/XXXX to complete the enrollment. We were locked out of completing. Called Equifax and was routed to the XXXX facility. Agent told me the ONLY way she could help is " if I faxed a copy of my original Social Security to her. '' Do not think I appear to be stupid - but apparently that is what she and her supervisor were hoping. I adamantly refused - willing only to fax with the first 5 digits blacked out. Nope! They refused. Those agents were unwilling to verify my identity any other way ie : personal questions. Called the next day, routed from the XXXX to USA and the agent completed the freeze via that conversation with info being sent. 
We frequently received SPAM calls from XXXX and this demand was outrageous. Just heard on XXXX about the break in security at Equifax which is prompting me to file this complaint. How many elderly people fall for this and really do fax their SS #? This is the PIT of Identity Theft! Within the Equifax outsourcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXXXX/XX/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 2022-09-26
Company: EQUIFAX, INC.
State: NY
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 would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 fair credit reporting act XXXX Accounts, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase canceled my investment accounts in XXXX and closed all my accounts .I am still missing {$2500.00} from my accounts that Chase closed I tried several times to contact the XXXX number listed but was told they can not provide me with any information, but if I choose I can fill with the court but I dont have the money to pay attorneys fee I applied for credit card with chase couple of months ago it was granted because I have good credit but I just got a letter from chase that they canceling my new credit card with any explanation This is discrimination based on my race and National origin Please could you follow up with my complaint to let chase Bank know that poor people have a voice in USA and the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MO
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:
Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, XXXX and Experian as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality. 

Per 15 U.S.C 6801 ( a ) XXXX, XXXX and Experian violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being. 
Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, XXXX and Experian that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NV
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 Account # XXXX. 
XXXX XXXX Account # XXXX. 
The XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/2022, a lady named XXXX said she was part of the XXXX XXXX XXXX XXXX and implied she was part of the department of Education through FAFSA. She took my social security number and some of credit card information too. She checked my credit score without my consent and told me my credit score. She tried taking a five monthly payment of {$230.00} for the student loan and tried to get me approved and apply for student loan forgiveness and later Bidens debt relief of {$20000.00}. She is an imposter of FAFSA and many people could have been a victim of identity theft, like me. The fraudulent number is XXXX ( XXXX ) XXXX which is a number given on google that can be easily mistaken as the FAFSA number. XXXX said they are part of XXXX XXXX XXXX XXXX which is a fraud company, who has my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am writing this here with XXXX XXXX XXXX on his behalf. XXXX XXXX was recently released from a period of incarceration. Early in his incarceration, he sent a letter to NetSpend dated XX/XX/XXXX alerting the company that his debit card was released to a third party with the rest of his belongings and asked for the card to be blocked, as it was compromised. In a letter dated XX/XX/XXXX, NetSpend told XXXX XXXX that his request had been received and that his card was blocked until such a time as he reinstated the account. XXXX XXXX did not grant any person a Power of Attorney to interact with NetSpend and reactivate the card. 

Upon XXXX XXXX XXXX, he attempted to reinstate his card and access the funds. The day after his release, XX/XX/XXXX, XXXX XXXX became aware of {$5000.00} in charges made between XX/XX/XXXX and early XXXX of XXXX. 

Furthermore, NetSpend has confirmed XXXX XXXX had {$5600.00} after the fraudulent charges had been deducted from XXXX XXXX account and has told him several times a check has been distributed to his address. However, when the check does not arrive, XXXX XXXX contacts NetSpend again and they tell him no check was ever sent. They have been holding that they need proof of residency in the form of a utility bill. XXXX XXXX is recently released from prison and does not have an address of his own where he pays utilities in his name. He has provided letters from the SSA, from our office at Legal Services, and from his other bank stating his current address at a friend 's house and our office at Legal Services has offered to receive the check and/or send in a notarized statement from XXXX XXXX authorizing that, but NetSpend will not disburse the check without a utility bill despite offers of many other alternatives and will not release their policy about proof of residency -- which seems patently unreasonable given the number of underbanked clients they have and clients in similar situations without utilities in their own names. 

NetSpend will not allow XXXX XXXX to authorize me to talk to them on his behalf and will not allow XXXX XXXX to talk to them with me on speakerphone in the same room despite XXXX XXXX 's express desire his attorney be aware of NetSpend 's position. XXXX XXXX and I have called NetSpend diligently, including 5 hours on Thursday, and we are repeatedly hung up on or placed on hold until the line disconnects. There is no person we have been able to speak to who is authorized to solve the problem, and NetSpend has said they will contact corporate to reach out in the next 48 hours. However, corporate never reaches out and they can not be contacted directly.

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 2023-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX XXXX took XXXX in XXXX separate withdrawals form my account. I immediately went through XXXX and showed them how the payment was not due until XX/XX/XXXX. XXXX deposited XXXX back into my account on XX/XX/XXXX. 

Also on XX/XX/XXXX Afterpay took two XXXX withdrawals from my account. That same day after I spoke with them, they deposited XXXX back into my account because Ive returned the product and they werent supposed to take those payments. The XXXX includes a past payment of XXXX that I already made. Citizens bank has charged me at this point over XXXX in overdraft fees. These were unauthorized charges and the companies directly out the money back. They kept saying that they charged me for daily overdraft fees for the time from XXXX until XX/XX/XXXX when XXXX out the money back. Then they also charged me overdraft fees for the transactions I made after that when they are supposed to adjust the transactions correctly because I supposed to have had money in my account at that time before the unauthorized withdrawals that were later our back by the company occurred. Im already in a class action lawsuit against them for overdraft charges and this shows exactly why. My check deposits tomorrow and theyre taking most of my money fraudulently because I didnt overdraft those were unauthorized charges that were paid back by the companies. Please assist me in getting my money and account correct so I can leave this bank. Ive spent a total of XXXX hours on the phone talking to reps and managers until they just hang up on me and absolutely refuse to fix my account. Yesterday they refunded XXXX in fees and I wake up today and they charged XXXX again. They will charge another XXXX tomorrow.

Company response to consumer: Closed with monetary relief