BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint stems from a " supposed '' unpaid property tax payment. Both payments were made within the due period. There was a mix-up of my first name on the 2nd payment. The correction was made with the XXXX XXXX Collector. When I received the 1st notification ( approximately XXXXXXXX XXXX ), I spoke with a representative of PHH Mortgage and explained both payments had been made in the allotted time. I then began receiving letters threatening foreclosure. I have spoken with many representatives from PHH many times regarding the situation. I even forwarded, by email, PHH on XX/XX/2022, a copy sent to me by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have continually received threating letters stating I am in foreclosure. The latest letter is from XX/XX/2022. This continual threat is causing me a lot of stress and anxiety. PHH is also charging me {$1000.00} for " paying my property taxes '', which were already paid!! 
I'm hoping that by issuing this complaint I will no longer receive these threatening letters. I only wish I could dissolve this reverse mortgage with this horrible, horrible company. It's been one thing after another with PHH Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX both my wife and I were diagnosed with XXXX and I ended up in the hospital, where for the XXXX few hours they did not know if I was going to live. I survived and was out of work and on XXXX for 4 months. During this time Rushmore placed us on a Covid Forbearance - which I will point out we did not request - it was offered until I could return to work. I returned to work on XXXX and attempted to begin paying my regular payments. The payment was returned along with a separate right to cure notice demanding the full amount be paid. I told them I could only begin paying a payment each month. They then put us on another forbearance to XX/XX/XXXX and then without our knowledge extended that forbearance to XX/XX/XXXX. All on the premise we are still waiting on your decision for a loan mod. I provide all the documents they required after going thru all that they tell us we have been denied a loan mod in their letter dated XX/XX/XXXX and must do a short sale or foreclosure. We are now so far behind because of their actions that we may not be able to recover and face the stigma of a foreclosure and being forced out of our home. Instead of just 3 payments behind we are now 7 payments behind because they would not let me start paying in XXXX like I told them up front I could do. We feel mislead by this whole process and seems like a veiled attempt to force our family home into foreclosure. Please help us I do not of anywhere else to turn too!! I did not attach any of the companies letters as they have copies of all of them. The modification denial letter is very confusing and the reason for denial make no sense. For exampled they listed {$0.00} income for us. I work and make {$63000.00} annually and my wife has been drawing unemployement plus pandemic pay of $ XXXX here in Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: MS
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 resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap.

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 2023-06-28
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft pleas XXXX remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
My husband got an alert on the Walmart app and email on XXXX XXXXThat a gaming chair for {$130.00} including shipping was purchased with my credit card number. And my husband 's name. The address of XXXX XXXX XXXX # XXXX # XXXX # XXXX, XXXX, Pa XXXX. I immediately called My Capital One Walmart Mastercard to put in a fraud claim. I then filed a police report with XXXX XXXX police. Capital One shut down my credit card that night and is looking into the fraud charge. They said it will take 90 days to close the case. I have also contacted XXXX to have the package incepted and returned to the sender of which was XXXX. Purchased through the Walmart app from the third-party seller. I am hoping this doesn't go on my credit report. I am trying to counter act this awful situation this individual has put me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: AL
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2023-01-17
Company: Foursight Holding LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put 20+ hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have called Synchrony Bank numerous times, speaking to named and noted CSR Reps after receiving monthly statements with account balance and minimal payment due with statement not showing purchase information. 
Because Amazon Store Card is Synchrony Bank, I reached out to XXXX XXXX via email that XXXX as Executive CSR has replied. I am currently waiting on his next reply. The last three contacts with Synchrony Bank are aware of my intent for resolution.

Company response to consumer: In progress
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/202XXXX XXXX XXXXXXXX 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 2023-06-22
Company: CrossCountry Mortgage LLC
State: LA
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company AES - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM AES/XXXX  - XXXX XXXX XXXX On the Last Day the Complaint was Open - AES was unable to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM AES/XXXX  - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans instress rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX Back XXXX, NA with may be considered a debt collector. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Grant Mercantile Agency
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. Grant Mercantile Agency is a collection agency I am unfamiliar with. XXXX XXXX is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: NM
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates was requested to validate the debt by providing a copy of the original purchase agreement and the original billing statement with the itemized charges on the following Incoming Call log dates and time : XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, XX/XX/XXXX, at XXXX from ( XXXX ) XXXX, and XX/XX/XXXX, at XXXX from ( XXXX ) XXXX. I mailed a written request for validation on XX/XX/XXXX. Portfolio misrepresented that they would provide these supporting documents and I had reasonable expectation to receive them within thirty days. This did not happen.

Portfolio did not provide sufficient evidence to authenticate their ownership claim but brought forth a lawsuit using a generic bill of sale which is only one page long and doesn't contain the purchase agreement. I also, make claim the following : ( 1 ) Portfolio lied that I made 3 payments on this account. No payment has ever been made. ( 2 ) Portfolio entered into evidence a fake Promotional Purchase Summary dated XX/XX/XXXX ; However, in the body there are transactions listed as XX/XX/XXXX and XX/XX/XXXX. This is deceptive and should not represent or replace a purchase agreement. ( 3 ) In conclusion, Portfolio Recovery Associates are purposely misleading and using the court system to bring forth lawsuits to intimidate a payment or a default in judgement. Portfolio is attempting to enter into evidence the validity of an unsubstantiated debt. Portfolio is also attempting to collect on a debt without offering to provide necessary documentation to the debtor and has misrepresented that it would provide the offered validation document within the 30 days. Portfolio has initiated a debt collection lawsuit without possessing required documentation ( Purchase Agreement ) to authenticate and legitimize their ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was once a fraud victim of identity theft and notified the credit bureaus about the fraud. The bureaus worked with me to solve all problems. I recently changed my phone number. My old number was XXXX an my new number is XXXX. I reached out to bloomingdales credit card company to change my number on file with them. They told me it needed to be changed with the credit buraus too. I sent the credit bureaus certified letters about 3 months ago letting them know I had a new updated phone number. Everytime I attempt to place a order or even add a authorized user to my account with bloomingdales they always say they will place a call to my old number ( that I don't have anymore ) to verify its me. I have tried NUMEROUS of times to get my phone number changed on file with them and they wont do it. I called the Credit Bureaus and the REASSURED me that the new number was reflecting. I would like to be able to use my Bloomingdales card however they wont allow me due to me having a new phone number. I would like to solve this issue as soon as possible. I have had this card about 5 years or longer. When I call they will place me on hold and sometimes even hang up on me. Bloomingdales should pull my credit record and it will show I have updated my number with the bureaus. Instead they tell me the bureaus need to contact them which makes no sense at all. I would like to keep my card and be able to actually use it in store and make purchases online. They also once had me to set up a telephone password and they still wont ' allow me to change my number .Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan was forgiven in XXXX. It was not updated to Experian. After a few phone calls I filed a dispute. Experian blames XXXX. XXXX blames Experian. The dispute was finalized as incorrect. ( Still showing a balance of a little over {$300000.00} ) I created a new dispute which Experian simply combined with the previous dispute and declined it as well. Even though the information they used was from XXXX. 
The information was again reported by XXXX  on XXXX. I spoke with someone today who again said it's not their problem and for me to call XXXX. I waited on hold for XXXX hours to speak with someone at XXXX. They confirmed that this information was reported to Experian on XXXX even though Experian says it was not. 

The people who answer the phone for Experian are rude and very condescending.

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 2023-02-11
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I mailed the Equifax and third-party debt collector, XXXX XXXX XXXX requests to validate the debt on XX/XX/XXXX on XX/XX/XXXX, I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days. I have been a victim of identity theft. The Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX ON XX/XX/2022 WE APPLIED FOR A REFINANCE MORTGAGE WITH XXXX DOLLARS CASH OUT FROM CARRINGTON MORTGAGE XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX & XXXX XXXX XXXX XXXX OUR LOAN REPRESENTIVE WAS XXXX XXXX HIS PHONE NUMBER IS XXXX EMAIL XXXX XXXX XXXX  WAS THE SENIOR LOAN PROCESSOR HER NUMBER IS XXXX EMAIL XXXX THESE ARE THE TWO INDIVIDUALS THAT HANDLED THE MORTGAGE REFINANCE. WE SUBMITTED ALL PAPERWORK AND OUTSTANDING CONDITIONS. OUR CLOSING WAS ON XXXX XXXX AT OUR HOME WITH XXXX XXXX XXXX  XXXX WITH ASSOCIATE ATTORNEY  XXXX XXXX XXXX EMAIL XXXX WHO THEY SUGGESTED AND WE ACCEPTED.ON XXXX XXXX WE RECEIVED A CHECK FOR XXXX WHICH WE WERE TOLD WAS OVER PAYMENT OF CLOSING COST. ALSO A CHECK FOR XXXX TO XXXX  XXXX XXXX  TO CLOSE AN ACCOUNT AND XXXX XXXX XXXX TO CLOSE AN ACCOUNT.WE WERE VERY SHOCKED AND SURPRISED BECAUSE WE NEVER DISCUSSED CLOSING ACCOUNTS WE ASKED FOR CASH OUT REFINANCE. ON XXXX XXXX WE CALLED XXXX XXXX AND HE STATED THE CHECK SHOULD HAVE BEEN DEPOSITED.THERE ARE OTHER ISSUES HERE THE BOTTOM LINE IS WE ASKED FOR AND IT WAS AGREED TO RECEIVE XXXX CASH OUT WITH OUR REFINANCE. WE ARE STILL WAITING FOR THIS MONEY AS OF TODAY. WE HAVE AN EMAIL TIME LINE OF ALL THE CONVERSATIONS WE HAD WITH THE MORTGAGE COMPANY. WE AGREED THAT CARRINGTON REFINANCE DEPARTMENT WAS VERY UNPROFESSIONAL. A DEPARTMENT HEAD WAS SUPPOSE TO CALL US BUT NEVER DID. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE.XXXX  XXXX HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXXXXXX 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 instruction.

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 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