BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was transferred from OCWEN to PHH mortgage. Now I received some letter advising XXXX is now involved but PHH is still handling mortgage. Upon attempting to log on, I got a message saying I needed to re-register. I attempted to do such with no success. It keeps telling me that Account not found. I contacted customer service Via phone and they said they will submit A ticket to the web support department. They said could take a week. After a week I sent an email to them, this was on XX/XX/XXXX. On XX/XX/XXXX they sent me a reply with detailed instructions. The same instructions that have not been working. They also requested screenshots if I was still having difficulty. I sent them screenshots on the same day ( XX/XX/XXXX ). I received no response. On XX/XX/XXXX I sent a follow up email. I have still yet to receive a response or have the issue addressed.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX is violating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.

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 2022-03-30
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX is XXXXiolating1692c i have not given written permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my report. They are also inaccurate violating 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: AK
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, section 602 ( a ) of 15 USC 1681 emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and with respect for individuals ' privacy rights. Equifax and XXXX are recognized as consumer reporting agencies, while I, as a consumer, hold the right to safeguard my private information. This right is supported by section 6801 of 15 USC, which specifies that financial institutions have an ongoing obligation to uphold customer privacy and protect the security of their nonpublic personal information. The entity referred to as the XXXX XXXX XXXX ' falls under the definition of a financial institution as per the mentioned title. 

Section 604 ( a ) ( 2 ) of 15 USC 1681 outlines that a consumer reporting agency can furnish a consumer report solely based on explicit written instructions from the relevant consumer. Neither XXXX XXXX XXXX ' nor the consumer reporting agencies ( Equifax and XXXX ) possess my consent to share this information, and certainly not my written consent. Consequently, any consent previously given to Equifax, XXXX, or the XXXX XXXX XXXX ' whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Section 6802 ( b ) ( c ) of 15 USC asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to exercise the option of nondisclosure. XXXX XXXX XXXX ' failed to inform me of this right. Furthermore, as stated in 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ) or if the information pertains to convictions of crimes that occurred more than seven years prior. The account being reported is an adverse item without my consent, which is a violation of the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to any consumer reporting agency when there is knowledge or reasonable cause to believe inaccuracy exists. Also, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports solely for the purposes listed under section 1681XXXX. Equifax and XXXX are failing to uphold these reasonable procedures. 

Additionally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

Attached below are images from my consumer report containing evidence of Equifax, XXXX, and XXXX XXXX willful noncompliance. 

Thank you for your attention concerning this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion fail to respond to my dispute. I have dispute on XX/XX/31 no update Ive called transunion and they denied that they did not receive any mail however my mail was delivered and sign up its already been 30 days and there still has been no action. I also have copies of receipt to prove that Ive sent my dispute and they were signed for : transunion keeps Updating my information with properly investigation and refuse to send a letter stating how they validate the debt. I also filled a dispute with XXXX  And they keep updating my dispute without properly verification I ask for them to send me a proof of how my debt was validate and they refused to do it. FCRA and XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The credit bureau has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not " DELETED '' from my report. Please do not " update '' or " verify '' this information again without doing a due diligence.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries immediately. 

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 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 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 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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Second dispute with Transunion Current File File Number XXXX Report DateXX/XX/2020 Name : XXXX XXXX XXXX . Received an email today from Trans Union. Dear XXXX, We have completed our investigation of information contained in your TransUnion credit report. You may now view the results online by logging into your account at : https : //dispute.transunion.com You have until XX/XX/XXXX to view the results online. Please log on before your account expires. 
TransUnion is committed to helping consumers make the most of their credit. If you have any additional questions or concerns, please contact TransUnion at the address below. When contacting our office, please provide your current file number XXXX. TransUnion Consumer Relations XXXX. XXXX XXXX XXXX, PA XXXX Thank you. TransUnion Consumer Relations They are still reporting inaccurate information for my XXXX XXXX XXXX. This was paid off in full last month in XX/XX/XXXX. The balance is from XX/XX/XXXX. I am getting ready to file a third complaint with Trans Union and 2nd one with you. see attachments. Please please help 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 2020-06-18
Company: EQUIFAX, INC.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: NC
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've sent 4 separate requests for original documentation of 4 unverified accounts pursuant to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), found on my credit report. They were sent via CMRR on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have documentation of their receipt from USPS. They have sent back refusals to reinvestigate the 4 items in  question. All of the aforementioned requests were notarized and therefore, legal documents. 
Experian is unlawfully refusing to furnish me with the documentation, that is clearly within my rights, as stated by law. 
This is my last step before litigation.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: SC
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX CO 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2022-03-30
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a FHA mortgage loan on XX/XX/XXXX with First Mortgage ( First Bank mortgage division in XXXX XXXX ). The sale was first supposed to be a shortfall but that fell through ( I was not informed of this by the bank ). In XXXX close to the closing date I called the closing XXXX to ask about my case. That person told me that she was on vacation and what was she supposed to do. The bank contacted me to close on XXXX XXXX  XX/XX/XXXX. We even scheduled the closing for XXXX pm. After that call, like XXXX minutes after, the bank called stating that there were some documents missing for the closing. Documents that bank had in their records since XXXX. Radio silence until XXXX when the realtor handling the sale on behalf of the sellers called me asking what was the status of the closing. I called the bank and was informed that since a lot of time had passed since XXXX the process expired and had to be started again. I lost money ( apartment appraisal ), time and even points in my credit report for nothing. I decided to continue ( start over ) the process, with a new closing date of XX/XX/XXXX. I paid for a new appraisal, again lost points on my credit report and as of today XX/XX/XXXX my loan is in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: HANCOCK WHITNEY BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My name is XXXX XXXX. On XX/XX/23 Im looking through XXXX XXXX XXXX  for the used XXXX XXXX truck, I saw the the truck that I like at the place called XXXX XXXX XXXX in XXXXXXXX XXXX I contact them and talk to the guy name XXXX, The truck was listed at {$6900.00} and XXXX agree to sell the truck for {$6300.00} including delivery I asked XXXX how to pay him and he sending me email me the purchase agreement and instructions of how to send the money in the instructions they have the link that say CLICK HERE and the wallets address XXXX. When I press on the link click here its take me to the page that buys bitcoins online I follow the instructions put in the amount of {$6300.00} and the wallets address and it took me to the others page to fill out all of my personal information, when my transaction was approved I email XXXX the approved transaction email and he said he will delivery the truck, but the next day he send me the email asking to pay {$2000.00} more for insurance for the truck delivery I disagree with that and told him I cancel the deal, he said XXXX refund the money to me. As soon as he said that I know that I got scammed, I contact my bank asking them to stop the transaction while it in pending, I also file the dispute I also email my bank the police reports, the attorney general affidavit reports and the screenshots of the email between me and XXXX XXXX XXXX, couple weeks later I got the letter from my bank regarding the dispute in the letter they said based on the investigation they determined that no error has occurred, I disagree with their findings because it clearly a scam I hope that you getting involved to help me getting my {$6300.00} refund to me. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: PACIFIC FORESIGHT FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted my financial documents to a lender approximately 10 days ago. The lender has not communicated with me, yet he has my personal information. The lender 's name is XXXX XXXX, Vice President. The company is Pacific Foresight Financial Corporation. 
NMLS # XXXX, DRE # XXXX. I find this to not only be unprofessional, but unethical in obtaining financial information such as my social security number, but also other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is simple. Im a co-signer for my son XXXX XXXX. His car was totaled XX/XX/2023. XXXX and Lexus took forever to resolve. XXXX sent me proof that they paid the car off. Since XX/XX/2023 and Lexus has the money and between them and their lexus Gap insurance department no one would give me proof that the car is paid off or will they update my credit report. Im trying to buy a home now and it affects my son and I. He now has 2 cars on his report also because they refuse to update both of our credit reports. I asked for a supervisor call back and they dont call you back at Lexus financial . This company is so unprofessional. Now I got call today from the salvage and XXXX another power attorney form not signed. Both companies cant get it right But they have the money so why not update and take me off the loan and put paid on my credit. It shows Toyota motor credit on my credit and the Lexus Gap coverage has not updated my account when they told me its approved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX Complaint against : Capital One Auto Finance Account number : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IN XXXX To Whom It XXXX Concern : Capital One Auto Finance called me daily for a month, I kept telling them my husband lost his job and we could not pay. Finally when we got behind I asked for lower payments. 
Capital One offered an extension to the loan for two payments, two payments would be put on the end of the loan. 
They called it an extension, but really its a forbearance agreement. 
We have great credit, I want to make sure we keep our credit clean as we are already back on track with our finances after a few months of hardship. 
I was clear and asked very pointedly if our credit would be affected, Capital One said no it would not be affected negatively because I made this agreement with them. 
To my horror Capital One put a 30 day late on my credit. 
I called Capital One on XX/XX/XXXX and then on XX/XX/XXXX ( the department was closed on Sunday ) to discuss two things : 1. I have not received via email or mail the forbearance agreement/extension agreement. 
2. I have called multiple times as this agreement has to be faxed back by the XXXX I am told. 
3. The 30 day late needs to be removed as I was told if I did the agreement my credit would be safe and Capital One would not give any negative marks. 
When I called on XX/XX/XXXX I spoke to XXXX who said that I am still behind. How can that be? I asked he said because you still owe a payment. I said but the last two payments from XXXX and XXXX are at the end of the loan, so I owe XXXX? He said, no you are behind. 
This is not acceptable. You can not have it both ways where you put payments at the end of a loan and also hit my credit for being late! 
Also, I still have not received the email or anything via mail with my agreement attached/sent. This is very scary as I am told the agreement will be voided if I dont send that information in! 
And they are debiting my account a payment on the XXXX, I was told it had to be by the XXXX in order for me to keep my credit from being harmed. I am not sure why the XXXX as that is not my due date each month. 
Please assist and thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a world elite mastercard from HSBC USA. I enrolled in Auto-pay on my account. I checked back on my account later and noticed that my payment was not submitted according to auto pay schedule despite auto pay being enrolled. 

I then called HSBC customer service. The customer service rep said that he recommended that I still manually check my account on the payment due date because sometimes auto-pay does not submit the payment for the first few cycles ... despite the auto-pay disclosure stating that it would submit on the next due date ..... I was charged with over {$100.00} in interest and late fees very clear false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: DISCOVER BANK
State: MS
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:
I have been a DiscoverCard holder/member for 20 years with XXXX missed payments. However, I am now aware I've been charged recurring fees for the DiscoverCard Payment Protection Program since 2008. I did not willingly agree to pay for this product, nor did I agree to it. Therefore, the DiscoverCard Payment Protection Program was activated without my consent. 

The DiscoverCard Payment Protection Program is a XXXX XXXX  marketing practice worthy of federal XXXX charges.

Company response to consumer: Closed with explanation