BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In response to my request for loan modification, and after several rounds of XXXX/PHH admitted " errors '' ( in which XXXX/PHH violated each and every letter of consumer protection laws ), XXXX   send a letter dated XX/XX/XXXX. It states : " Following the review of your last application for Homeowners Assistance, which was denied on XX/XX/XXXX, it was determined that ERRORS were made in the last determination. An underwriting policy CHANGED was made on XX/XX/XXXX, and with it, the computer program used to analyze loan modifications was also CHANGED. REGRETTABLY, ERRORS were found in the data inputted ... resulted in your failure to qualify under the housing-to-income ratio .... '' Capitalization is mine.

XXXX  then offered a bizarre ( interest rate only ) modification. Still, I requested the full terms of the modification agreement. XXXX   refused to provide it, stating that I have to accept the modification and 3 months later I would see the terms. That was both illogical and illegal. I refused to accept this entrapment.

My refusal to accept the 'offer ' notwithstanding, XXXX/PHH on their own and without my knowledge and consent cancelled the ACH automatic debit in effect for 14 years uninterrupted, reported me to credit agencies as delinquent, and ruined my credit to the extent that I could not get a loan to exit XXXX/PHH fold. XXXX/PHH have been consistently advised that they can withdraw the funds anytime. They refused.

In canceling ACH without my consent, XXXX/PHH violated the law and their own agreement with me. I even furnished them with their policy terms. They are bad actors.

In response to my CFBP complaint # XXXX filed on XX/XX/XXXX in which I complained about XXXX/PHH ruining my credit and preventing me from getting a mortgage to exit XXXX/PHH trap, todayXX/XX/XXXX ( after 61 days ) XXXX/PHH responded stating : " On XX/XX/XXXX, you contacted our Customer Service Department via telephone and informed the representative that you wished to continue the direct debit since you had yet to reach an agreement on the trial modification. We regret that due to an oversight, we failed to process this request. '' This response in unacceptable. It fails to mention is WHY XXXX  /PHH , without my permission or consent, cancelled the ACH in the first place. It fails to mention how XXXX/PHH would compensate me for ruining my credit, preventing me from getting a mortgage, and who is going to pay for the higher interest rate now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a forbearance during XXXX, but was also terminated from my job. My dad ( a veteran ) died from XXXX, so I requested an extension for the forbearance and was approved. I was denied unemployment and during the appeal process, a librarian helped me fax some papers. She informed about the Mortgage Loan Assistance for Alabama. I applied but was denied because they said my loan was over the {$50000.00} maximum. I went to XXXX XXXX XXXX for assistance. I was told the mortgage company could accept the {$50000.00} and apply the partial amount to me ( since it would primarily have been for escrow due to taxes & insurance ). Then, I could modify anything over the {$50000.00} and get back on track. Mr Cooper REFUSED to assist me! They demanded the full past due amount and would NOT accept any smaller payments! They offered to redo my entire loan for another 30 yrs & a higher payment, & higher interest rate! XXXX stated they could have offered XXXX XXXX arrangement on the past due, or a equity line of credit for the past due to catch up, but it seemed they were forcing me into foreclosure. They were ignoring ALL the payments that I had made from XXXX! As a result I had to file bankruptcy AGAIN in XX/XX/XXXX! To date, Mr Cooper has not sent me any modification papers! I was told I would receive them in XXXX & my XXXX trial payment would have been due by XX/XX/XXXX. I called and they said They could not speak to me, only my bankruptcy attorney, due to the bankruptcy filing. My attorney filed the affidavit authorizing me the ability to communicate with Mr Cooper and receive statements or any documents pertaining to a modification. Today is XX/XX/XXXX and I STILL have NOT received ANYTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts on my report are not mine. Also some personal information on my credit report is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX I mailed a check for {$7000.00} to a finance company for my companies general liability insurance policy coverage. This check was stolen in the mail and cashed by someone who signed the check in the name of " XXXX XXXX '' this was not anything to do with the name of the finance company that the check was made out to. 
I noticed this on XX/XX/XXXX and contacted my bank XXXX XXXX 
Upon not hearing back from XXXX I went to my branch on XX/XX/XXXX to be told that the Declaration of Unauthorized Endorsement or Altered Item i had submitted on XX/XX/XXXX was not signed correctly by me. ( this i find hard to believe tbh ). 
So on XX/XX/XXXX I filled out another Declaration of Unauthorized Endorsement or Altered Item form. On XX/XX/XXXX I reached out to XXXX  as i had heard nothing. 
Now I am told that the check was cashed by Bank of America and they are refusing to acknowledge their error when contacted by XXXX. 
Either way I am out a large sum of money and need your help. 
Many 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 2020-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today, XX/XX/2020, I sent {$200.00} to an account I found on XXXX  saying hed sell me shoes for that amount. It seemed completely safe seeing how many stars he has and his reviews. After I had sent it, he stopped responding although he was active. I have his XXXX   XXXX  account, the email he gave me to send money, and his number. I tried contacting with my Wells Fargo bank account but they couldnt do anything about it, not even file a complaint or anything to try to recover my money back. XXXX on the other hand, couldnt help me as well. XXXX is definitely not the best app to use sending money because you are not protected at all.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XX/XX/2022 EXP XXXX XX/XX/2022 EXP REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had no knowledge an Apple Credit card was taken out by a member of my family. I starting getting bills and rather than getting a bad report on my credit, I foolishly paid them. The account was finally closed and now it has been reactivated. I really an annoyed by this, I thought it was all taken care of. Now I have a new balance popping up and I dont know what to do. I dont even know the credit card number or why these charges are reappearing. Please help me to get rid of this once and forever. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts on my report are not mine. Also some personal information on my credit report is not accurate.

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 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Initial complaint below, submitted on XX/XX/XXXX. 
Complaint ID : XXXX REF XXXX - Capital One closed my account on XX/XX/XXXX without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within 90-120 business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the loss that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}.

Capital one issued an insufficient check dated XX/XX/XXXX for {$220.00}. That check was mobile deposited into my XXXX XXXX XXXX account ending XXXX on XX/XX/XXXX at XXXX XXXX. XXXX  XXXX XXXX confirmation of the mobile deposit is XXXX. On XX/XX/XXXX there is a return item chargeback found on my statement for - {$220.00}. A letter came in the mail dated XX/XX/XXXX, indicating a warranty breach and check has been returned on paid. When I called to speak to XXXX XXXXXXXX XXXX, they informed me that this check was insufficient funds and as a charge back. N a now closed complaint with the consumer financial protection bureau, they confirm that they issued and settled with a check, and it was indeed mail to my home for me to cash. The check was deposited in the right amount of time how ever has overdraft my account because they deem it as a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. XXXX has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2018-03-09
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
We moved from XXXX  to XXXX in XX/XX/2017, paid off our utilities, changed addresses, etc. It turns out that XXXX XXXX  XXXX, in XXXX had not finalized their billing and sent notices to our former address, claiming {$240.00}. It caught up to us when a collection agency came after us. We asked for evidence which they never provided in an intelligible format. Attempts to communicate with them was like speaking to 3 year olds. We finally sent them {$100.00} to get them to stop harassing us as payment in full. They accepted the money then sent our case to Experian who quickly dropped our credit score by over 100 points. 
We contacted Experian and they said they automatically believe collection agencies. Not consumers. We called XXXX and they told us how they had arrived at the numbers and we agreed to pay. When prodded, though, they said it was not up to them to remove any negative remarks on Experian, it was up to Experian. We called Experian and they said that was not true. It is up to XXXX. 
We are willing to pay XXXX but if neither party takes responsibility for removing negative comments on our credit to restore it ( It is still close to XXXX on bpoth XXXX  and XXXX ), then why should we? 
Can you help us navigate through this nonsense and get the parties to agree to clean up our credit if we pay the {$140.00}.? 
Thank you CASE AT EXPERIAN is Report Number : 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 2022-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CONDITIONAL ACCEPTANCE LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experain XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear, I agree to pay the following financial obligation regarding account XXXX XXXX XXXXXXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer. 
-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX  number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 .

Under US Code TITLE 15 > CHAPTER 41>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt.

Thank You, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX  XXXX  XXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2020-06-30
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:
XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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