BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently our mortgage servicing transferred to PHH from XXXX, we applied for Mortgage Modification Assistance more than 14 days prior to the sale as instructed by PHH, when contacting PHH to get a status on the modification request, I was notified that our request would not be considered because it wasn't made more than 37 days before the scheduled sale date of XX/XX/2019. Neither PHH or XXXX have sent us any documentation regarding the transfer of the servicing rights from XXXX to PHH, nor have we received any offers of assistance in lieu of foreclosure on this home. 

The property has been in foreclosure for several years and we have attempted to resolve the issues with the lender and they have been unwilling to offer any solutions for this foreclosure issue. At this time, the foreclosure sale is pending for XX/XX/2019. We have any appeal pending with the New Jersey XXXX Court and have also submitted a Motion to Stay the Foreclosure Sale pending the outcome of the Appeal. 

We are seeking intervention by the CFPB to stop the wrongful foreclosure of this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-08-21
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ally Financial is showing the account as a charge off, but it has been paid in full.

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 2020-03-29
Company: NCB Management Services 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:
I have a negative account reporting on my credit profiles by two separate collectors. A clear violation of the FCRA. XXXX XXXX has reported the debt then sold the debt to NCB Management. And they are both now reporting the debt. Which is violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; 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 explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-08-21
Company: EQUIFAX, INC.
State: AZ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Santander bank is stating I need to go into a physical bank branch to reclaim my checking account and access to my funds. I signed up for the account in XXXX via an online registration with my Illinois address. I have used an Illinois address the entirety of my account being active. There has never been a Santander bank branches in XXXX the closest bank branch is in Pennsylvania XXXX It is extremely unreasonable for me to have to travel across the country to go into a bank branch considering they know I have always lived in Illinois. I would like access to my funds by ether having a paper check mailed to my home address onfile, or electronic access to transfer my funds to another bank I account I have. I am unable to pay my bills and meet my financial obligations due to not having access to my money. 

The issue stems from how my XXXX account was comprised from XX/XX/XXXX to XX/XX/XXXX. Over XXXX transactions were made using XXXX which was connected to my Santander checking account. I reached out to Santander via phone call XX/XX/XXXX and started the process of resolving the fraud. I spoke to someone on the fraud team and they assured me my account would be restricting any activities from paypal and not to worry that my actual account would still be open. On XX/XX/XXXX I called Santander again because I noticed they only opened disputes for XXXX of the XXXX fraudulent transactions I relayed previously. The Fraud agent apologized and assured me they would be opening cases for the remaining transactions. On XX/XX/XXXX, after noticing they did not open disputes on the remaining of the XXXX transactions I spoke to a manager in the fraud department and was told they would need to close down my account, and restrict all access until I came into a branch to verify myself. I advised them that I live very far away from a branch and that would not be a reasonable request. They apologized and said I should not have had been allowed to be a customer since I did not have a branch in my state. 
Since then I have reached out numerous times to their support line about how to access my funds without going to a physical branch but there has been no resolution.

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 2021-05-07
Company: GOLDMAN SACHS BANK USA
State: MI
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 have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has reported inaccurate balance and credit line amount and the length of account and also the incorrect credit utilization which I had told XXXX and they have now fixed the information in which they have reported the correct information to XXXX and XXXX which you will see in the documents I provided I had been talking to XXXX about the errors on my report that they submitted and they told me that they was working with the credit bureaus to fix the issue and I had disputed the information that is on my credit report with Transunion they said they did an investigation and decided to keep the inquorate information on my credit report which is hurting me and effecting me from being approved for loans and credit cards and i know they did not investigate my dispute because if they had they would have been told the information is incorrect from the creditor Transunion also have my credit account with my bank inaccurate as well they are reporting I have a 44 % credit utilization and a balance of {$220.00} which is also inquorate which you can see in the documents I provided I have zero credit utilization and no balance so all the negative statement 's that they have is hurting my credibility which I wanted to apply for a loan which if they had the correct information reporting i would be able to get a loan but because they have the wrong information that's negative my score with Transunion is XXXX but with XXXX its XXXX and with XXXX its XXXX but Transunion is XXXX and steady dropping by the day which is unfair to keep this inquorate information on my credit profile i have explained to them that they are reporting wrong figures and they are still not doing anything about it just letting it sit on my credit report and they have not verified these accounts which congress said they must do if a consumer disputes any information they have for the public to see. which they can be fined because i told them and i sent documents that XXXX have written to me telling me they are fixing the account information and they even said I'm supposed to have XXXX utilization which they apologized to me and that would have been found if Transunion investigated but they didn't so they are deliberately furnishing this inquorate information knowing its hurting me which I've worked to hard to get my scores to rise and ive been doing just what I'm supposed to and for Transunion to continue to furnish this incorrect information is cruel and i don't deserve to be placed in this way because they are hindering me from getting ahead

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 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the middle of mortgage process and lenders are able to pull XXXX and XXXX but not able to generate report for Equifax due to a credit freeze. I checked MyEquifax and I can not pull my own report as well. I called Equifax and they could not find any issue on there end even. The issue has not been resolved and I am in limbo with purchasing home until this is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last year I discovered a false account with XXXX XXXX  and XXXX XXXX. They told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  and XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my XXXX siblings were given a check in an amount over {$10000.00} from a family friend. On XX/XX/2023 I walked into PNC Bank to open up a bank account and use that check as my deposit. The process went well but that evening I got a text stating that the check will be put on hold until five business day. I received a letter dated XX/XX/2023 stating that my check would be released the fifth business day.On the six business day, my check was not released which made it XXXX XXXX. When I asked why they are saying that theyre going to hold it for another five business days and that they need to get in contact with the person who issued out the check then they gave me a reference number stating that I call ( XXXX XXXX XXXX XXXX the bank who it initially came from to call PNC XXXX they are also telling me if they never get in contact with the person who issued out the check, they will hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a medical crisis XX/XX/XXXX where I was unable to work, unable to pay bills, I paid off indigo credit card through XXXX XXXX on XX/XX/XXXX for the amount of {$770.00} through my bank account, however it's still shows it as a charge off and an unpaid balance and when I call two different numbers, one listed through credit bureaus and one on back of the card, it tells me I've been turned over to a collection agency and disconnects. I have filed disputes with all three credit bureaus who have been unable to resolve this. The fact is I paid this up on XX/XX/XXXX through XXXX XXXX XXXXXXXX

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 2022-04-13
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Before attending the appointment at Remex Inc, the attendee stated that her car insurance was responsible for the charge however the receptionist agreed that the auto insurance was responsible for the charge. The attendee made it very clear that if she made the appointment she would not pay for the visit and the receptionist agreed that she would not have paid for it. Months later the attendee receives a bill that she owes a remaining balance of XXXX which she does not pertain to according to the receptionist and her insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IL
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: CURO Intermediate Holdings
State: MS
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:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I XXXX XXXX XXXX herby state the following : In accordance with the Fair Credit Reporting act XXXX  Account ( s ) XXXX  # XXXX ; and XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-18
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA is charging me over 10 times what they told me my monthly payment would be for my student loan under the SAVE plan. Last month they told me in multiple messages my payment was going to be close to XXXX dollars a month. When I finally got my bill at the end of the month, suddenly without warning I am being charged XXXX dollars a month. I have messaged them through their website 5 times and gotten no response. I have called them 4 times and sat on the phone on hold, never getting through to speak to anyone. I can not and will not pay this incorrect amount. And I refuse to be held responsible for their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation