BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-09
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2017 I submitted a complaint to your office pertaining to a problem we had with Ocwen our loan servicer. Ocwen responded that they were not at fault. and I could either bring the loan current or apply for a loan modification. I submitted a complaint to the Attorney Generals office on XX/XX/2017 about this same problem. I received the same response. I applied for the loan modification on by XX/XX/2017. I 'm still waiting to here back from Ocwen. While awaiting a response from Ocwen I recently received a notice of default letter from the XXXX company. I 'm confused can two companies on my loan I 'm concerned that Ocwen may have sold our loan to this new loan companywhile we were waiting for a response back from XXXX the complaint process. Is this process legal? Can Ocwen proceed and we are requesting that Ocwen provide the original loan documents to your office under the public disclosure act. I urge your office do review the loan amounts and fees that have increased. I 'm requesting urgent response to this matter as do to the notice of default letter I have a short period of time before a sale of our property may occur. As a Veteran who has served this country I find this type of lending practices to be deplorable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've had all the accounts mentioned below since XXXX with a great pay history. I am a loyal customer that asked to be treated as one not an interest bearing customer. On XX/XX/XXXX, I decided to consolidate all my creditors into 1 bill to become debt free. I mailed checks to payoff accounts to 3 Synchrony Bank credit cards ... Amazon Store Card, Sam 's Credit card, Walmart Credit Card and 4 others. The 4 of those checks to creditors were received XX/XX/XXXX & XX/XX/XXXX and posted to the accounts in a timely manner. Synchrony Bank on the other hand have decided not to post payments either because monthly amount due was due on the XX/XX/XXXX. They did not post the payments to charge late fees and to accrued interest which is unethical. 
I've called Sams, Walmart and Amazon for the past 3- 4 days to update the account in which I'm told they have not received it. USPS says differently because payments were delivered XX/XX/XXXX and/or XX/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 explanation
Consumer complaint received 2023-04-28
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: Information belongs to someone else

Complaint:
I have no knowledge of the account from XXXX XXXX Acct # XXXX, XXXX, XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item 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 2017-03-31
Company: GREAT LAKES
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a federal loan that I have been paying on for years. I do not make enough to pay the recommended payment so it has been on an income sensitive payment for the last several years. Due to this situation I am only paying on interest that is accruing faster then I can make payments. I will not ever be able to purchase a house with this debt and it is a burden for me to continue to carry. I will be paying on this loan until I die. Another issue is that in order to use the degree that I earned I would have to go back to school to be re-certified in certain areas. 
Please offer any assistance that you can

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: 1st Franklin Financial Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: NJ
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 am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
XXXX XXXX XXXXAcct # XXXX **** Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX  ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete. 
XXXX XXXX XXXX ACCT # XXXX Not my account. Please delete.XXXX XXXX XXXX ACCT # XXXX Not mine account. Please delete.

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 2023-10-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an email on XX/XX/XXXX  from my long-time credit card provider Citi. The details therein suggested : Now you can see the merchants and wallets who have your card information saved on file via the XXXX XXXX XXXX on Citi Online in addition to the Citi Mobile App*. Further, Have you recently closed a card or received a replacement card? Youll see the merchants/wallets where your new card information was updated automatically, plus where youll need to update the information manually. 
While I was initially excited about this new feature, once I checked my account, I was upset to find that Citi, if the email is correct, had potentially updated my replaced or otherwise new credit card number ( s ) to merchants that I have not done business with for many many years ; this practice seems completely negligent on their part, considering they have the details to know that I have not paid for service with near half the companies listed, again, for many years! 
How is it that they should not give the customer an option to automatically update credit card details with a specific merchant ; anything less and Citi is unnecessarily putting customers at financial risk?

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 2017-02-13
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 my Compass Bank account administered by Simple was locked and the funds in the account subject to a garnishment. On XXXX XXXX, a deposit was attempted and denied. On XXXX XXXX, that deposit of {$570.00} was allowed into the locked account. The deposit was not supposed to be allowed, as the account was locked. 

A court order has been issued to release the funds in the account after the initial locking. Simple and Compass are refusing to follow this court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 

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 2023-09-02
Company: EQUIFAX, INC.
State: PA
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

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 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding the same alleged debt as the previous reports. I was called by a XXXX XXXX XXXX on XX/XX/XXXX, XXXX, twice on the XXXX, XXXX times on the XXXX and once in the XXXX regarding it. When I talked to them they refused to give any contact information other than their website RCApay.com and their phone numbers were all spoofed so I did not report it at the time. 

After that I was contacted by XXXX XXXX XXXX. Twice on XX/XX/XXXX and once on the XXXX and XXXX. This is the only one that I was able to ever get an actual address for and I sent a dispute letter by registered mail. They never replied. 

With every one of these I have received no mail correspondence in spite of verifying the address and requesting further information regarding this alleged debt. The only thing that I have been able to determine from all of the harassment is that it apparently originated from XXXX they XXXX XXXX XXXX  and went to collections in XXXX. 

Which brings us to the current complaint against XXXX and XXXX, who contacted me on XX/XX/XXXX. They claim to be a law firm that will be pursuing legal action against me. I tried to tell them the same thing that I have told every other one of them. All I want is documentation of the validity of this debt that I do not recognize and I would be willing to discuss paying what I legitimately owe. He immediately resorted to threats of court. 

When I brought up the statute of limitations issue with the entire thing and the illegality of that threat he then lied about the statute of limitations, trying to claim that it is XXXX years in Illinois when it is XXXX for credit cards. Even at XXXX years it would still be well past that from whenever the last payment was made. 

He did nothing but spout off random rubbish, demeaning comments, and threats. Insisting that there was no obligation to even respond to a debt dispute letter because three other companies had the debt previously. He refused to acknowledge the fact that those other companies would not even give me an address.

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 2023-09-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
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: Reporting company used your report improperly

Complaint:
I NEVER GAVE YOUR ORGANIZATION CONSENT TO FURNISH REFERENCED ITEMS TO MY CONSUMER REPORT IN ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 XXXX XXXX did a credit check on my account. I did not nor have I reqjuested credit from any company. As a result of their inquiry, my credit score dropped from XXXX to XXXX. I have gone from low good to fair. I feel this is totally unfair to drop my score because they want to have another client. I get solicitations for credit cards almost every day of the week. I have received 2 refusal letters for credit from XXXX XXXX probably because of my lowered score. I intend to pay off the one collection that I have, and would like to know that my score has gone up. Thank you for your time and consideration of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) XXXX The Furnishers / Credit Reporting agencies of the following accounts INQUIRIES : XXXX XXXX  XXXX. XX/XX/XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX account linked to address in police report not mine, XXXXXXXX XXXX XXXX XXXX  XXXX was opened during covid fraudulent late payments poster please removeXXXX XXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on XXXX XXXX  showing balances, showing late payments and repossession codes on a credit card, after card or account was 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NV
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 am grateful that the XXXX XXXX has successfully eliminated all the reported fraudulent inquiries from my XXXX credit report. However, XXXX still has not removed two remaining inquiries from my credit file, and Equifax has yet to address these three fraudulent inquiries, as they haven't removed any inquiries at all. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to ensure that both XXXX and Equifax Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation