BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-09-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
my husband and I was visiting in XXXX in XXXX, we where stopped by some sales people about taking a free helicopter ride and a free steak dinner if we attend a seminar, we did upon this meeting they asked for our ID '' s and some other information. We did. and after the seminar we go to a back room with all these salesmen again to get you to apply for a vacation package.for XXXX I told my husband no and we left .the next thing I found out money was coming out my account in XXXX. I tried and tried to reach out to them and nothing/at first they couldn't even find me.i finally after 2 month 's have got a phone number to call them about a credit card they say i purchase for a XXXX and never received are used.they are still taking money out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There are two XXXX XXXX XXXX fraudulent opened accounts reporting by Experian credit bureau. I submitted valid police report at XXXX XXXX police department and FTC identity theft report sent to Experian to block/remove this two fraudulent accounts from my credit report under CA Civil Code Section 1785.16 which states : " when consumer submits valid police report or a valid investigative report, the consumer credit reporting agency shall promptly and permanently block reporting any information that consumer alleges appear on his or her credit report as a result of identity theft ''. I contacted Experian and their representatives based on the documents and the statement that I made keep rejecting my documents. Please resolve this issue on my behalf by removing two XXXX  XXXX XXXX fraudulent accounts from Experian 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 explanation
Consumer complaint received 2023-02-10
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- PHH Mortgage services my home morgage and collects tax payments held in exscrow as part of my monthly payment to them. 
- I contacted PHH Mortgage on XX/XX/XXXX by phone regarding a revised property tax bill I was issued by my County tax. Commissioners office. PHH advised me to send a copy of the bill and supporting documentation to them via email at XXXX which I did. later that day, I received an email from PHH acknowledging the tax bill information was received and would be processed. 
- On XX/XX/XXXX, I received a Notice of Intent to Issue FIFA from the tax commissioner 's office, advising the taxes had not been paid and a new balance was due which included penalties and interest. Payment to avoid the tax lien was required by XX/XX/XXXX, at which time the tax owed would be turned over to a third party for collection. 
- On XX/XX/XXXX, I contacted the Tax Commissioner 's Office to confirm the information and then contacted PHH Mortgage to inquire why payment had not been made. I initally spoek to " XXXX '' and later their " Escalation Manager '' " XXXX ''. They requested I send the previous email form XX/XX/XXXX and the Notice if Intent to XXXX which I promptly did. I also sent a copy of the materials to XXXX and XXXX. I again received an acknowledgment that my email with tax information had been received. 
" XXXX '' advised me that the payment would be made by XX/XX/XXXX and he would call me on XX/XX/XXXX with details as to why the payment had not been made. 
- On XX/XX/XXXX I noticed no payment had been made and called the County Tax Commissioner 's office to confirm, which they did. I then contacted PHH Mortgage and spoke to " XXXX '' with ID " XXXX ''. XXXX advised PHH was in touch with the County Tax Commissioner 's Office and a " sub Loan '' was on the parcel and they had ti investigate. I asked what a sub loan was and she advised she did not know. She further advised that their investigation would complete by XX/XX/XXXX ( 2 days after the new payment due date ) and payment would be made by XX/XX/XXXX. I explained that he tax lien would be applied after XX/XX/XXXX and she replied that they would " take care if it and not to worry. '' XXXX also insisted I would receive a call back from " XXXX '', whom I had spoken to last week today, and I have not received his call. I then contacted the Tax Commissioner 's Office back to inquire about the sub loan PHH referenced and was told there was no other loan on my property and they had no record of being contacted by PHH. To prevent a tax lien from being placed on my property and having no faith in PHH Mortgage to meet their fiduciary duty to pay the tax on time, I submitted payment for the tax due plus penalties and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian is reporting inaccurate information on my credit Report i notified Experian over 6 months ago multiple times and Experian is still reporting the XXXX inaccurate accounts on my credit report : Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the XXXX inaccurate accounts above off of my credit report but Experian is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Experian Delete the XXXX accounts immediately off of my credit report ( Name : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

Im fed up and Im on my last leg i will sue Experian if they dont removed the XXXX inaccurate accounts off of my account immediately. 

Thanks

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 2023-06-20
Company: EQUIFAX, 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:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of Account : XXXX Account Number : XXXX Verification : cancel contract.Please provide the original contract or delete I also read where i can get the updated report after investigation this from the Free lawyer guy Could you please send it to me? Also. Please let me know who had access to my file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
During the end of XXXX due to a Tropical Storm, a declared disaster, and most of XXXX due to Covid 19 affecting my business I had difficulty making payments on this account. However, I do believe that some months that reflected as not paid were paid. 
I called XXXX XXXX  XXXX in XXXX and worked directly with them to pay the account and stated that I did not want this account to reflect as a charge off and would be willing to pay full amount with no discount provided that the account would not be closed reflecting a charge off status. I believe that the rep may have offered a small credit but it was agreed explicitly that once paid the account be marked paid in full and not be a charge off. 
After full payment-my report now shows " charge off " for every month from XX/XX/XXXX to XX/XX/XXXX. When I paid them the full balance ( possibly less a small credit ) it was agreed that this account would reflect paid in full and WOULD NOT be a charge off. 
I now have a monumental impact to my credit by having 12 charge off indicators on my report after I held up my end of the bargain and paid more then their offer of settlement in order to prevent this and make good on my obligations. 
I have disputed with XXXX XXXX  XXXX and the credit bureaus mainly XXXX with no success in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We extended our XXXX XXXX 2020 lease for 6 months. We were never sent the paper work and our use of automatic debit stopped working. Thus, the payments stopped. We rectified the situation with customer service however the account information for balance due was incorrect. We waited for that to be changed. However, when we logged in it would not allow us to make the payment electronically. It kept saying not available. Thus, two weeks before the payment would be 30 days late we mailed a paper check. We let Ally know this. The check was not cashed. So we called and the were able to get us into our account electronically. We made the payments to fully catch up however they are writing that we were 30 days late. We have never been late before and always paid on time with a perfect history. It is not our fault that we tried to make payments and it wouldn't let us electronically. There is a charge to pay by phone. We also attempted to pay via check but it was not cashed by the company for some reason. They recognized the problem and in fact waived the late fees because they knew it was not our fault.

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 2023-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Account status incorrect

Complaint:
O/A XXXX XXXX through XXXX XXXX I have attempted to fix erroneous information being reported on my credit reports on credit accounts that have been discharged through XXXX  XXXX bankruptcy. Most of the agencies have cooperated in getting the accounts in closed status and showing XXXX  XXXX Bankruptcy Discharged. However, they have not removed past delinquent payment dates which has a direct effect on my credit score. The purpose of a bankruptcy is to remove all past derogatory information so a US Citizen can start with a clean slate and start re-building their credit. I believe that the credit reporting agencies are allowing creditors to willful and negligent noncompliance of the FCRA 15 USC 1681c and 1681o and noncompliance of current US bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: PA
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:
I sent a letter on XX/XX/2023 to update my personal information and delete old addresses and phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, EXPERAIN AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2023-05-30
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-22
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I XXXX XXXX XXXX endorsed a check made out to myself and PNC Bank N.A . The check in the amount of {$71000.00} was mailed out via overnight with XXXX. The issue is the check was for home repairs due to damage from hurricane 's Ian and Nicole. PNC bank was fully aware that I'm not responsible for the mortgage note but I am the primary on the homeowners insurance. The person responsible for the mortgage passed away last XX/XX/XXXX. PNC bank illegally sent the funds that were issued in my name and there name in the name of the deceased, that was not primary on the insurance. I XXXX XXXX XXXX have followed the proper protocol and have signed the necessary documents, stating the funds will go to the repairs of the home. I had absolutely no problem with them sending partial payment and requesting inspections be done. I spoke with several employee 's and none them seem very competent enough to handle the situation, especially since they can't seem to return phone calls and put you on hold for 45 minutes to an hour " RESOLUTION DEPARTMENT ''. This is absolutely horrific!! I've been to the branch several times hoping they were able to endorse the checks seeing as I have no business with them but when I was informed about the proper steps I would have to take, I did what was needed and they did what they wanted. My family and I have been fighting with the insurance company, which we are in litigation right now and the sad thing is I truly did not want to have to fight with PNC Bank to. The house is uninhabitable and we are living in our pool house with our three dogs. PNC is fully aware of the situation and not to mention we have contractors scheduled to start work but no funds to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Violation of RESPA and the 2010 financial regulation act by a mortgage servicer. 

FAY Servicing ( XXXX XXXX XXXX XXXX ) charging me a {$480.00} ( corporate advance ) fee on a payoff I ordered this month on Loan number XXXX on property XXXX XXXX XXXX XXXX # XXXX XXXX, CO. XXXX. Fay servicing said this fee was transferred to them from a prior servicer named XXXX XXXX ( XXXX XXXX XXXX XXXX ) who had a loan number of XXXX and was transferred from from XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX. This fee showed up on my statements in XXXX with XXXX and I questioned it. They sent me a very general letter form XXXX XXXX XXXX but no specifics on exactly what this fee was for or who it originated from. I called XXXX XXXX XXXX and spoke to a XXXX in the fee department and she confirmed it was NOT from XXXX XXXX XXXX. I believe XXXX XXXX XXXX is out of business now. It looks like per my file and research the only thing I can think of is they are assessing this fee for an inspection or an appraisal in the middle of my servicing? The issue I have is I was NEVER disclosed verbally or in writing by anyone or signed any docs relating to this fee nor received a copy of an inspection or appraisal if one was done. I believe this fee was created to take advantage of a borrower and to charge them a " junk '' fee for a service never performed and ignored the disclosure laws which were put in law in 2010 namely the Financial Regulation Act and RESPA. I believe Fay Servicing is in violation of these Federal Laws. They ignored my request to research this and to get me answers and talked down to me and basically wanted me to pay it and accept it for its on my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  this creditor, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : I also state a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation