BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint to the CFPB in hopes you can help investigate the illegal foreclosure proceedings and Dual Tracking of foreclosure that occurred on my family home on XX/XX/XXXX. 

Our Mortgage with PHH has been foreclosed upon while we were working with PHH on Home Retention options for Loan Assumption/ Loan Modification. Prior to the foreclosure we had been submitting all the required documents they asked and had assured us the foreclosure on our home was all Postponed and that foreclosure would not continue but in XX/XX/XXXX PHH went ahead and still foreclosed on our home while under review. 

Prior to XX/XX/XXXX we had made multiple payments to PHH and brought the loan current leaving no balance owed ( I have attached the Proof of payments Paid to PHH ) but PHH refused to apply the funds to the account and failed to stop the foreclosure. 



After the foreclosure we have been in communication with PHH, XXXX XXXX and their Attorneys XXXX Trustee- The Trustee XXXX has not been helpful and they have stated there job has been completed and for all future communication to reach out to PHH , when we call PHH there is no SPOC assigned and are not able to give us any information, we have tried numerous time to talk with the REO department, Loss Mitigation and have even escalated the issue to a Supervisor with no luck. This loan is a 6 Month redemption period, and the time frame expires XX/XX/XXXX. 



PHH is in violations of Dual Tracking laws of Foreclosure, Negligence and Failure to perform while an account is in active Loss Mitigation review and while they have been accepting payments to the account. 



We hope to have the foreclosure rescinded back to our name so we can continue to work with PHH to resolve this issue. As well if we can get a SPOC assigned to this case, the problem when dealing with PHH we where only able to talk with agents in XXXX that are not licensed and do not understand my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company Closed Account Then Charged It Of 15 US Code 1666b Timing Of Payments A Creditor My Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Reason 15 US Code1666 Correction Of Billing Errors 15 US Code 1681B Permissible Purpose Of Consumer Rights Section 602

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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 had several recurring transactions made on my account and I was reimbursed some but kept recurring and eventually my account was frozen money still being taking off my account and wells Fargo wouldn't give any of my money back after these where the same transaction that had been previously given back but I lost XXXX $ and my accounts were closed and this was determined 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 2022-03-27
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: Public record information inaccurate

Complaint:
I sent a letter from the XXXX Ohio XXXX saying that they don't report to the credit bureaus

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 2023-09-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 15 USC 1681. 

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: Experian Information Solutions 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:
These inquiries on my report were reported to me XX/XX/2022, were not verified to my knowledge and that they are fraudulent.

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 2018-11-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Dear Consumer Financial Protection n Bureau, On XX/XX/2018 I request a financial assistance for my existing auto loan with Fifth Third Bank, auto Loan # XXXX. This lengthy and biased process requested me to submit many times the same application and multiple personal account information, mainly with the intention of create de-motivation from my side and stop requesting this assistance I really need. I am trying to pay my debts, this is why I submitted this financial assistance request, but big was surprise when on XX/XX/XXXX I received a letter letting me know that my request was denied because I have a high debt in relation to my income. The main reason for the request was to reduce my monthly car payments because I do not have enough money to pay, and although I have debts I still want to pay my auto loan. Please help me in find a solution to my current issue by asking the bank to provide me assistance. 
On XX/XX/2018 I called Fifth Third Bank trying and talked to XXXX from Auto loss mitigation counselor trying to get information about the letter I received, but I was entitled unfairly, and mistreated because all I wanted was to get information on the letter I previously received. I am a XXXX customer who also deserves to be treated with respect, I have never missed a payment before in this loan, and all I asked was payment assistance, and help to pay this debt sooner. I have also sent emails trying to get in touch with Fifth Third banks senior vice President XXXX XXXX, but never got a response. Here is one of the emails I sent to him : to : XXXX Fifth Third Bank, This e-mail is in regards to my previous e-mail asking to have contact information with one of the bank representatives, but got no response from the bank. I would like to get in touch with Fifth Third banks senior vice President XXXX XXXX. Please let me know his e-mails or phone number because I need to get in touch with him. Looking forward to hear from you, Thanks XXXX XXXX XXXX : Auto Loan # XXXX I am also attaching the letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$78.00} XXXX XXXX XXXX Balance : {$430.00}

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 2023-08-24
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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 15 USC 1681. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following inquires has also been opened up under my social security number fraudulently. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-03-19
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:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

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 2023-09-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
synchrony bank told me that it was payment left on my account. I called HSN the person who I get the items from several weeks ago. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed to pay the full-balance on the account. They look at the account and told me it would be over 80 or 90 to pay the account. off. I notice on my credit report that I was 60 days late. 
At no time did I receive a letter in the mail from the company that anything was late. Synchrony Bank have a history of over charging people for items that was not on the account. I feel like this bank has falsely reported information to the credit company. I have neve been late on this account for over 7 years. I paid the balance in full and they told me from HSN account had been paid. 
Now Synchrony Bank has place an item on my account so it would show late. I did not owe this balance case the told me they would not report it as being late due to the fact my husband had the information and his e-mail was attached to the account. I was not aware that he has his e-mail on the account. 
He was letting his friend buy things on the account without my knowelge.. I am asking you to make this bank provide documentation that the item on the account was not paid to HSN.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 I received and email that a checking account was opened in my name with Bank of America. I have already had a checking and savings account with them for over a decade, and had no knowledge of this account. I contact bank of america and at first they advised there was no such account, after further investigation, they agreed their was an account opened in my name. They shut it down and advised me my identity was compromised. I am concerned that they did not do their due diligence when allowing someone to open an additional account in my name, they did not notify of me of the application, they did not require a copy of my DL and or any other due diligence. I only found out because I received an email with an account approval

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 2023-09-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB, I am writing to bring to your attention a matter of utmost importance that has significantly impacted my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and ensuring that justice is served. 

Violation of FCRA : Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( A ), Section 604 ( a ) ( 2 ), Section 611, Section 623 ) On XX/XX/XXXX, my life took an unexpected and painful turn when I discovered an unauthorized credit inquiry made by XXXX on my credit report. This inquiry has had far-reaching consequences, not just financially but emotionally as well. I want to share with you the emotional toll this has taken on me. 

Imagine the shock of realizing that someone had accessed your financial history without your consent. The sense of violation and intrusion is hard to put into words. I have always been diligent about protecting my financial information, and to have it compromised in such a manner has shaken my trust in the system. 

This unauthorized inquiry has had a ripple effect on my life. It has resulted in an unjust decrease in my credit score, making it difficult for me to secure favorable terms on loans and credit lines. As a result, I've faced obstacles in securing affordable housing and even employment opportunities that require a credit check. It has created an overwhelming sense of frustration, XXXX, and helplessness. 

I have taken all the necessary steps to dispute this unauthorized inquiry, and I appreciate the initial response from the credit reporting agency. However, I now seek your intervention to ensure that my rights under the FCRA are fully enforced. I kindly request that you investigate this matter thoroughly and compel XXXX to rectify this violation. 

Furthermore, I urge the removal of unverified accounts from my credit report, as these inaccuracies are unfairly impacting my financial standing. This would not only bring a sense of justice but also help me rebuild my life and regain some semblance of normalcy. 

I implore you to consider the emotional turmoil and financial hardship I have endured due to this situation. My hope is that through your intervention, justice will be served, and I can move forward with confidence in the credit reporting system. 

I kindly request your prompt attention to this matter and will provide any necessary documentation to support my case. Please keep me informed of the progress of your investigation and any actions taken. 

Thank you for your assistance in ensuring that my rights as a consumer are upheld and that the credit reporting system is held accountable for its actions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we discovered my wife had XXXX XXXX. We fell behind on payments due to me taking FMLA off work to care for her. We tried working with Wells Fargo to save our home. They put us on a Forbearance plan for XXXX XXXX XX/XX/XXXX. Then we tried to do a loan modification to catch up the missed payments and they have been very difficult to work with.

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint goes with the first complaint that I filed against Chase on XX/XX/XXXX. Now, we have reached and are past the 90 days that Chase has to investigate this matter. I first reported this on XX/XX/XXXX. Today is XX/XX/XXXX. I've never received any conditional credits, have been charged late fees, and communication has been so very limited. I've tried reaching out several times and have wrote several secure messages. 

Chase is way past the 90 day period of investigation. 
" The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' Chase closed my account during the dispute. 
" The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I've requested documents and copies of investigation. I've received nothing. 
" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. '' My account should be credited.

Company response to consumer: Closed with explanation