BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Has Locked My account from making payment to my Mortgage ILEGALLY, I can not make a payment on their Website. 

They Have me in some Mortgage Deferment plan I DID NOT REQUEST TO BE IN, THEY ENROLLED ME WITHOUT MY CONSENT, NOR ANY DOCUMENTS SIGNED BY ME TO THEM, NOR ANY REQUEST FROM ME TO THEM, NOW THEY HAVE LOCKED THE ABILITY TO PAY FOR ME TO PAY MY MORTGAGE FOR NO VALID REASON. 

Get this Company to UNLOCK my ACCOUNT NOW THIS COMPANY IS ATROCIOUS AND TREATS THEIR CUSTOMERS LIKE GARBAGE. 

THEY LOCKED MY ACCCOUNT AFTER MAKING PREVIOUS PAYMENTS ONLINE, I CALLED THEM XX/XX/2021 SPOKE TO EMPLOYEE # XXXX, THEN TO THIER MANAGER OPERATOR ID # XXXX SAYING THAT THEY NEED TO SEND A FORM TO ALLOW ONLINE PAYMENT AND TRIED TO CHARGE A PAYMENT OVER THE PHONE FEE. THIS IS A SCAM. THEY MADE NO EFFORT TO CALL, EMAIL, MAIL, or SEND A NOTICE TO MY ONLINE DOCUMENTS ON THEIR ACCOUNT WEBSITE. THEY SAID THE LAST MORTGAGE PROVIDER REQESTED AN EXTENSION OF MY 90 DAY FORBEARANCE, THIS IS NOT TRUE DUE TO I WOULD HAVE TO SIGN A DOCUMENT OR MAKE A REQUEST, I NEVER REQUESTED AN EXTENSION. THEY CAN NOT PROVIDE ME A COPY OF THIS ALLEGED EXTENSION REQUEST. 

THEY REFUSED TO SEND THE FORM BY EMAIL, OR TO MY ONLINE DOCUMENT CENTER ON THEIR WEBSITE, THEY SAID THEY CAN ONLY SEND IT BY MAIL. 

NO PHONE CALL, EMIAL, NOR LETTER WAS EVER SENT ABOUT A PHYSICAL DOCUMENT NEEDED FOR ONLINE PAYMENTS ; I FILLED OUT THEIR ONLINE CONSECT FORM in XX/XX/2021AND ADDED MY CHECKING ACCOUNT INFORMATION ( https : //phhloansphereservicingdigital.bkiconnect.com/phhm/ # /payment ) AND THEY ACCEPTED IT AND ALLOWED ME TO MAKE ONLINE PAYMENTS FOR XXXX AND XXXX, NOW THEY ARE RENEGGING THEIR AGREEMENT FOR ONLINE PAYMENT FOR NO VALID REASON. 

They Need to STOP THIER ILLEGAL ACTIVITES ON MY ACCOUNT BEFORE I TAKE LEGAL ACCTION AGAINST THEM. THEY ALREADY HAVE A CLASS ACTION LAWSUIT FOR THESE ACTIONS THEY ARE DOING TO ME.

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 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried XXXX times to request an appraisal on my home to cancel my XXXX, but BSI Financial was unresponsive or provided false information. Now that BSI Financial has agreed they need to end the XXXX  on my home, they have not removed the XXXX  from my monthly payments, have not responded to my phone calls or emailed requests for contact, and have not provided me a full letter verifying that XXXX  is removed. 

I reached out to BSI financial in writing on XXXX occasions and received either verifiably false information or was ignored when I requested removal of my XXXX  due to the Loan-to-value amount of my home and 2 years of on-time payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was advised by BSI financial teller XXXX ( # XXXX ) that I needed to " read the XXXX XXXX XXXXules '' because I was not eligible based on those XXXX qualifying conditions. I advised him I was eligible, and I did read the rules, which is why I called. XXXX then advised me to write to the wrong email address. I wrote again on XX/XX/XXXX to advise that I would be filing a consumer complaint and received a call to set up an appraisal. My appraisal occurred, and valued my home at an amount that would remove XXXX. On XX/XX/XXXX I wrote to XXXX requesting a response within 30 days of my appraisal, as required by XXXX XXXX, since they had not responded within 30 days of the appraisal. On or about XX/XX/XXXX I recieved a letter stating that my XXXX  would be canceled, based on the information attached to my cancellation letter. There was no information attached to my cancellation letter. I wrote to BSI Financial on XX/XX/XXXX to tell them I needed the second page of my letter. They did not respond. On XX/XX/XXXX, I went into my online BSI portal and saw that my mortgage was unchaged even though my XXXX should have been removed. I wrote to BSI financial again that same day requesting they call me with their plans to proceed, and to remove XXXX. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Multiple accounts in my name, one for {$210.00} for XXXX  XXXX. I called and stated that I did not open account and was having identity theft in my name due to ex husband. They took the fraud report and closed account. Theres an account for XXXX XXXX XXXX and one for XXXX XXXX XXXX  that were open in my name : did do police report back in XXXX to report fraud and 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 2022-02-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my personal loan, and at the same time made a separate payment to my credit card. Apparently both payments went to my loan, so it was overpaid by ~ {$2400.00} ( the extra payment was for {$2500.00} ). After noticing what had happened, I called my bank immediately. They told me to call back the next day after things were processed. On that first call, they told me that the extra payment would be refunded to my checking account ( the account it was paid from ) within 2-3 business days. The next day I called the number they gave me, and they also told me that it would be credited back to my checking account within 2-3 business days, and told me the exact amount ( since som interest would still be due after my intentional payment of ~ {$10000.00}, the principle shown on my account portal ). I called, and had several chats, and a chat with one of their XXXX accounts, and each time since the 2nd call I made Ive been told it will be 7-10 business days for the money to show up in my checking account. Right now, it has been over 10 business days, I'm on hold with someone now who told me they will send me a cashiers check. Every person I've spoken with until now said explicitly that the cashiers check they normally would send in this situation was canceled and the money would just be credited to my account. Between the erroneous overpayment and today I have overdrawn several times and been charged overdraft fees numerous times. This seems criminal to me, plus its Wells Fargo... So you know... Probably legit they are being shady here. They have collected $ XX in overdraft fees, not to mention their collections dept. called me and asked when I would pay my overdraft amount. I asked them when they would pay me the money they owed me, since it more than enough covered the overdraft amount. 

Date of disputed overpayment : XX/XX/2022. Amount : {$2500.00} Overdraft fees since XXXX : {$140.00} Currently still overdrawn, ad of XX/XX/2022

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 monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Due to XXXX data breach my information was sold, bought and traded illegal, you guys need to be compliance, in my knowledge CRFA state that accounts and collections must be complete verifiable accurate it can not came off of one credit reporting agency and stay in others.

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 2023-08-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 XXXX XXXX XXXX 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 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.

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 2023-12-11
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A lady from this phone number in XXXX MO called and said they were lowering my interest rate in my Chase CC and I knew it was a scam and I hung up. Here is the number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX. XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.

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 2021-12-24
Company: FIRST NATIONAL BANK OF OMAHA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Re : XXXX XXXX XXXX XXXX XXXX The bank and XXXX XXXX advertise that one would receive 80,000 points when {$3000.00} is spent during the first three billing cycles after the account is opened and an additional 40,000 points when {$5000.00} is spent during the first twelve billing cycles. I spent over {$5000.00} during the first three billing cycles and received the 80,000 points but not the 40,000 points.

I then contacted the bank inquiring about the lack of posting the additional 40,000 points.

I was informed that 40,000 points was an " anniversary '' award that would be posted after one year had transpired. No where on XXXX XXXX 's or the bank 's website is the term " anniversary '' used.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Account name XXXX XXXX Account number XXXX Is reporting on my credit report Account charged off. {$480.00} written off. {$480.00} past due as of XX/XX/2023. This information is incorrect and I have asked XXXX to remove this account from my report and they have not replied back

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 2021-03-22
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a letter on XX/XX/XXXX about a DEFAULT JUDGMENT from XXXX County, Texas about me and I have no idea what this is about. I have never signed for any documents ; court orders or summons from anyone regarding this debt. I do not owe this debt as the person who owes this debt died in XXXX. A few years ago, I told the company about this situation and they stated that this file will be closed. I never heard from them again. Even if I wanted to assist with payment of this debt, I am unable to. I am XXXX XXXX and has a XXXX which limits work progress. This DEFAULT JUDGMENT states that they will dispose of me which according to my understanding, I will be killed, or my life will be terminated by this company - Calvary SPV, LLC. I am not sure why a court would pass judgement and never verify whether I received any documentation or not. I have never done any business with this company and I feel my life is being threatened for a minor debt in life that is not even my debt. Please advise me what to do as I am afraid to leave my home in fear that someone kill me and disposes of my body.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed a copy of my credit report in TRANSUNION. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
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: Personal information incorrect

Complaint:
On XX/XX/2023 I submitted a complaint to the CFPB, Equifax responded in XXXX of 2023 stating that they are reporting my information correctly. ( not true ) The information remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America despite public records of federal lawsuits of practices of reordering transactions to accumulate overdraft fees continues with this illegal practice in 2022. My business account has been effected as of XXXX with an illegal reordering of transactions to create multiple overdraft fees. I have documented the matter and reported it to the bank that I intended to file a complaint of the behavior to the CFPB. My business is being heavily effected by Covid related issues and the bank is taking advantage of the fact the pandemic and failing to provide appropriate relief for affected businesses which I informed the bank of several occasions with no relief. In fact the bank reordering of transactions is an illegal practice, I verified with the merchants that the transactions clear their system within a 24 hour period to the bank. Therefore, Bank of America systems are again designed to create a system of overdraft fees still. I am uploading the documentation as proof and in the event there is a lawsuit in the future brought against Bank of America I want to be compensated for the damages done.

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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2021, TransUnion LLC. I have attached my most recent consumer credit report. I have disputed two account that are on my consumer credit report. TransUnion is voilating consumer law. The Fair Credit Reporting Act 15 U.S code 1681 state that consumer reporting agencies exercise accurate and fair reporting. I noticed two accounts with inaccuracies that are reporting inaccurate information. TransUnion keeps saying that the accounts are verified. XXXX XXXX is a collection account that reports a balance of {$680.00}. A collection account should NOT report a BALANCE. The balance MUST show as XXXX! THE second account is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  is a CHARGE OFF that shows a BALANCE of {$990.00}. A CHARGE OFF ACCOUNT MUST SHOW A ZERO BALANCE! It's a business write off. I will keep my most recent consumer report that I have attached to compare it to the next TransUnion consumer report that will be sent to me of Transunion investigate this complaint. DELETE BOTH ACCOUNT DUE TO INACCURATE REPORTING AND INVESTIGATING.

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