BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: PENTAGON FEDERAL CREDIT UNION
State: ID
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: Problem with personal statement of dispute

Complaint:
Since the beginning of XX/XX/2023, I have requested that PenFed update my contact number in order for me to log in to my account and submit payment for my auto loan. I have confirmed every little detail of who I am, what, when and how much past payments were, etc. They refuse to update my information and as such I can not login to pay. They want to charge me an additional {$5.00} for each telephonic transaction ( which I refuse because they are choosing not to grant me access to my account ) and I should not be penalized because they refuse. I have approximately 64 emails from XX/XX/23 through the present date in which I have continued to request my number be updated. They wont do it with out having a copy of my phone bill - which they are absolutely not entitled to. They say they can take a copy of my ID- they have it on file and they know that. I submitted it over two years ago and the info has not changed. This is ultimately going to end up with my car being repossessed or my credit being ruined ( and Ive busted my XXXX over the past 4 years rebuilding my credit ). To let a power hungry bank have the ability to ruin what Ive worked hard for is not right. It would take all but 5 minutes for them to provide customer service and update my number. Its going on 4 months. This is asinine and Im not budging when it comes to providing them with a bill they have no right to have. I literally run a household of XXXX people on my sole income. The car is the only means of transportation we have. This needs dealt with and they need to update my number. 
They respond with " we offer multiple alternatives for making your loan payments, including mailing a check or making a payment by phone. We will continue to report your loan payment history accurately to the consumer credit reporting agencies. '' All they have to do is update my phone number instead of trying to ruin my credit. They've dropped it over 100 points over the last few days and that absolutely infuriates me. I had online access. There's no reason I shouldn't be given access to my XXXX account. It's MY ACCOUNT! THEY'D rather destroy a customer 's credit than update a customer 's phone number after 4 months of asking. The worst company I've ever dealt with is PenFed.

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 2017-05-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I lost my home because  Ocwen Financial  lied to me about my low income home modification applications were denied and I had to fill out more the loan modification package 's more than  XXXX  times and the would tell me after I went and paid for faxing them They did n't get them or they could n't find the paperwork I sent them. I did this over and over and finally they said I was not approved. They started foreclosure on me and gave me only 3 month 's to vacate or said I had to pay them in full. They had  XXXX  payments paid ahead and I was n't behind in my payments. I get a letter from the Government that I had been approved for the loan modification for {$250.00} a month. I had to do a quick sell for just {$3000.00} for my home.  Ocwen  caused me so much stress and I went into deep  XXXX  and had a very bad nervous breakdown. I was in the  XXXX   XXXX   XXXX . I lost everything I had worked for my entire life because of Ocwen. The letter I received from the  XXXX  said I could get my home back but it was sold and rented out and destroyed by the renters. I have no money to sue Ocwen and I need help to get my money I lost from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been banking with Wells Fargo for XXXX  years with in my XXXX  years I have had problems with my checking account XXXX minute all my money is in my account then another I can go buy things and look back on it and its telling me I owe all that money back when I kno how much I have spent the other problem is I call up there in told them to take that overdraft fee off if its not there let it not go thru they still have it on my account XXXX if I dont have the money there now they charge me XXXX dollars every time a lil payment come out from anyone thats trying to charge my card and I have to pay back XXXX more out my pocket I am tired of it I call up there to tell them the problem they couldnt have me with anything XXXX what I do now from this time on I have stop putting money in that account in it in if anything being tooking off it I put money in that account but they still charging me the extra money also

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 2022-09-30
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-01
Company: AES/PHEAA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am an American citizen who is doing XXXX school in XXXX at a university recognized by the US Department of Education and is eligible for Federal direct loans. I applied for an in-school deferment with AES, and they denied my request twice, claiming that my school was not recognized by the Department of Education XXXX When I asked for documentation that my school was not recognized, such as a list of recognized schools, even after I provided a list of recognized schools that included my schools, I received no reply. Since about XX/XX/2023 I have had to pay the full amount of my student loan despite, in my opinion, being entitled to an in-school deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE SENT CERTIFIED LETTERS ON  3 DIF FERENT OCCASIONS TO ALL CREDIT BUREAUS ( EQUIFAX,   XXXX    AND  XXXX   ) I N  REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGIN G TO CALIFORNIA AND TEXAS WH ICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS  XX/XX/XXXX   ,  XXXX   THOS E ARENT MY BIRTHDATE, MY BIRHDATE IS   XXXX   I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM   XXXX   BUT  LEFT A NOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX   XXXX  THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may concer n, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: TX
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 am writing this due to non-compliance with the with Experian and XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have false reports and inaccurate accounts & inquiries which need to be removed immediately!

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. 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 2023-05-27
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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:
Despite providing Experian with the FTC identity theft report, involving XXXX XXXX XXXX ; this Consumer Reporting Agency fails to comply with the law. According to 15 USC 1681c-2 , a consumer reporting agency shall BLOCK the reporting of ANY information in the file of a consumer THAT THE CONSUMER identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - A copy of of an identity theft report. Experian was provided this identity theft report and still has not blocked this fraudulent 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 2017-05-11
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The short sale was submitted over 139 days ago and there is ju st one delay after another. First it took about six months for Shellpoint to " review  '' the file which by the time they issued an update it was  XXXX   XXXX  which they countered the buyer at {$240000.00}. This was after the fact the said the refuse to allow the VA buyer closing costs so we had to remove all but the escrow fee. On  XXXX   XXXX  we submitted a value dispute in response to the counter,  Shellpoint adv ised it would take UP TO 30 days to have a response. I called TWICE a week for updates. On  XXXX   XXXX  after the 30 days had passed I submitted a CFPB complaint, which was closed because the company finally responded on  XXXX   XXXX  stating the value dispute concluded with no change to the price expectations. the next day on  XXXX   XXXX  the buyer increased the offer. The negotiator  XXXX   XXXX  said it would only take a few days for approval. However, on  XXXX   XXXX  he said that despite being told that they would allow up to 12 months in hoa dues that because it is now a lien they wont allow anything. I was also told it will take another 30 days for the investor to approval the buyers request for the escrow fee to be paid, despite the fact they are financing with a va loan and this is mandatory. NOW they are delaying the file even more by ordering another appraisal despite the fact they h ave one on file from less than six  months. This file has been dragged through the dirt and completely mishandled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have issues with Chase dating back for a couple years now regarding NSF fees. I do take accountability for my part of negligence of having allowed my transactions in the past exceed my available balance. However, in the past I have placed countless calls to Chase customer service seeking forgiveness and have the fees refunded to me. In some cases I was successful in getting a couple refund and in most cases, was unsuccessful. After having spoken to many agents, I believe there is a shady practice where they are not doing whats right by the customer. In my calls, it was clear I was distraught over the fees and struggling. Many times the agents wouldnsee that I have called in the past about this issue and that I was struggling. At no point did any agent proactively offer a solution that would have prevented this a long time ago, even when I asked for solutions. Come XX/XX/2018 - finally, one agent proactively offered that they could turn off the Debit Card Protection that would prevent one time transactions. Wish agents would have mentioned this a long time ago because in the last 2 years I have been charged nearly {$1000.00} in NSF fees. Again, I take responsibility on my part for not being filligient and looking at my debit card account multiple times a day. However, It appears to me that the leaders of call strategy train their agents not to proactively offer this as a solution so that consumers could potentially go over their balance, thus resulting in NSF fees so that they can collect more money. I think this is a very shady tactic and only benefits the greed of Chase and not provide viable solutions to their consumers for a better experience. Please investigate..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Over the last few months Experian has been upgrading my account from free as I previously set it. However, during that time there have been multiple billing attempts from Experian for an upgraded account. At one point I opened a live chat session and advised the rep that I should not have been billed. At that time I thought the issue was over but a day or so later I tried to login to my account to look at my report, but I could not due to a " billing issue ''. I then called in and went thru the entire explanation process and was told the issue was resolved. Unfortunately, it has happened again as I am currently being billed and I can not afford for them to take money that I need in order to pay my power bill to get thru these hot Florida XXXX. This is really affecting my family as well. I have been afraid to have any funds sent to the account because I am afraid that Experian will take it and cause my bills to be late. 

I am beginning to think that this is Experian 's way of bullying me due to my relentless efforts to hold them to accountable to remove unreported/inaccurate information from my 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 explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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