BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, Good afternoon. 
i was in a home modification application since last year XX/XX/XXXX. First I seek help from CFPB that my lender/Mortgage Company failed to pay my property for XXXX, then I seek a legal assistance from the county i live in and it was settled, because i did make a compaint to CFPB. 
The application that I made last year for Home Modification was denied, because mortgage company received the packet of my application in untimely manner, which was not congruent to the tracking number that I did monitor it they received it before the expected time that they need it. I made an appeal about it and they responded to my compaint cc my former lawyer. Mortgage company send one form that I have to signed for them to reverse the denial. They sent it XXXX  XXXX XXXX, XXXX and they need it on XXXX XXXX XXXX was XXXX and I can't do overnight using XXXX because they use PO box . I never heard anything from the mortgage company about the decision or the approval that they promised which was stated on their response to CFPB. 
By XX/XX/XXXX they stopped accepting mortgage payment because it said they sais i have restart my Home Modification Application which is I did submit all the necessary document they were asking from me. XXXX XXXX was my schedule to speak with my Representative Manager, but nobody called. I emailed them as the same day. Today XXXX XXXX I made a phone call to reach out the mortgage company to follow up my application it said I was denied because the house is not my primary residence. I live here since the day I bought this property. 
I need your help gain justice for the unfairly treatment that mortgage company did to me. Thank you so much and more power.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Took me 14years to build up a very good credit and for just one mistake, bank of america made my score go low ... This is due to a payment i thought went through but didn't ... After more than 7years with them that was the only time i missed pyment.After ordering my credit reports from all 3 credit bureaus, the only problem was that late payment ... My credit went from over 800 to now XXXX. 
I don't think its fair and that bank of America should rectify it.Took me over 14 years to build my credit, and they ruined it for 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-16
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I was trying to obtain a quote from XXXX. In order to continue and receive a quote I was required to enter my card information. However, XXXX/XXXX, upon my card information being entered, immediately charged my KeyBank checking for {$390.00}. I then called XXXX to resolve the mistake they had made. However XXXX/XXXX told me they would not refund any of my money and to contact my financial institution. I then called my financial institution, KeyBank, and informed them of what happened. KeyBank opened a dispute, and mailed out paperwork for me to complete on XX/XX/2021. I did not receive that paperwork until XX/XX/2021. I completed the paperwork and mailed it out certified on XX/XX/2021 and also took the paperwork to a KeyBank branch to have it put in the system that way as well. While I was in the midst of doing all this KeyBank closed my dispute saying that the transaction was authorized, when indeed it was not. I called KeyBank to let them know when I received the paperwork and the representative, XXXX XXXX, on the phone even said that the mail is severely delayed. But that the dispute was closed and that there is nothing more that KeyBank will do, and that I am just suppose to be ok with losing {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am insured thru XXXX. In XXXX XXXX had reported 4 debts to Southern Oregon Credit Services. This was then reported to XXXX and XXXX which I had no knowledge of until last year XXXX. I became a member if XXXX XXXX and had noticed these debts on my report. I disputed all of them I believe 3 times. XXXX did remove the debt from my credit XX/XX/XXXX. XXXX however did not. I contacted Southern Oregon Credit Services and they told me they could not do anything until I speak to XXXX which I did and they also said they could not do anything and that I needed to contact my insurance. On XX/XX/XXXX I contacted XXXX and spoke to XXXX. She had informed me those debts were not owed at all by me as a matter of fact one had been paid and the others had preauthorizations. She put me on hold while she contacted XXXX. She got back on the line to let me know she had been on the line with XXXX. She told me XXXX had researched my account and had admitted they had overlooked everything. She then added XXXX to the call and XXXX informed me they had made a mistake and overlooked the authorizations and payment. She did not apologize however she did say she would contact me later that day after she speaks to Southern Oregon Credit Services. She never called me. On XX/XX/XXXX I contacted her. She informed me all debt is being removed from my credit as we speak. I asked her what kind of compensation I will be receiving considering this was their fault my credit had these negative marks for 3 years on not one but two credit bureaus. She became very rude and told me there will be no compensation and that I should be happy with the results. I then hung up on her. To this day those items still remain on my credit. The amounts are {$1000.00}, {$350.00}, {$220.00}, and {$77.00}. All are XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to file a formal complaint regarding my repeated and unsuccessful attempts to correct inaccurate late open accounts and public records on my credit report. Despite my diligent efforts, these inaccuracies persist, causing significant damage to my creditworthiness. 

The issues I am disputing are as follows : XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX. 

I have taken the following actions to address these issues : I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to late open accounts and public records. 

Subsequently, I followed up to inquire about the progress of my dispute and request updates on the investigation. 

Regrettably, the inaccurate late open accounts and public records remain on my credit report, negatively impacting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate late open accounts and public records from my credit report. Timely resolution of this matter is vital for my financial well-being. 

Please provide a written response within 30 days of receiving this letter, as mandated by the FCRA, outlining the steps you have taken to address these issues and any changes made to my credit report. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.

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 2022-02-05
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:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : XXXX | XXXX XXXX XXXX XXXX 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 After your investigation is complete, please send me the results via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-02-17
Company: APLUS INSTACASH LLC dba A+ FINANCE
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A plus loan is reporting inaccuratly, still shows charge off with a Balance when I have completely paid the loan off in XX/XX/3021 and was advised would take 30 days to update and will also be deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 status incorrect

Complaint:
XXXX, XXXX and Equifax are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of 2022. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX XXXX  is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: OK
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 bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Here is the account that is mentioned : XXXX XXXX XXXX : {$27000.00}

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 explanation
Consumer complaint received 2019-05-01
Company: Ameritech Financial
State: KY
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:
I was contacted by the Ameritech Company to initiate the process of student loan forgiveness I was told I qualified for. I paid a {$1200.00} dollar fee to initiate and was given a lower payment plan and was to send this payment to Ameritech. At the end of 10 years, the balance of my loan was to be forgiven. I later found out that after about 1 year of making the payment ( which I thought was going toward my student loan ) I found out that the payment to Ameritech was not coming off of my student loans at all. The only way I found out was when I received paper work to renew with Ameritech the next year. I contacted XXXX at that time and they explained to me that the payments were being made to Ameritech just for paper work, etc .... The entire time, my loan was in Forbearance and interest was building. I am not sure of exact dates, I think the time frame was from XXXX - XXXX. 
I have received notification that the Federal Trade Commission has taken legal action against Ameritech. Ameritech has since closed.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-07
Company: Galaxy Capital Acquisitions, LLC
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
n XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
The company, XXXX XXXX, has maliciously and illegally reported frivolous data to my credit report causing my Credit score to drop each day. They keep posting similar data maliciously and intentionally and have provide 9 days on two weeks, attached, for proof! Make them stop! 

They have spammed my file over 20 times in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Bonneville Billing and Collections
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: Account status incorrect

Complaint:
Bonneville Collections is reporting erroneously on my credit file and it must be fixed immediately. I recently checked my credit and noticed this debt but this was paid off years ago? I was told upon payment they would be removing this account from credit. However, I noticed this account is still reporting on my credit. This account must be removed from my credit file, it is paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity loan with US bank. 
An internal error has shut my access to this money. 
This is an internal bank error and I have tried for several weeks to get this resolved. I have gotten nowhere, and I am completely frustrated with all the excuses as to why nobody can resolve this. 
US bank claimed the property taxes on the collateral property were not currently paid. I faxed a copy of my tax bill, which showed all taxes are paid up and no taxes owed.

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 2022-04-29
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Dispute a error transaction for a payment made on my account the problem occurred on XX/XX/2022 Service provided required documentation to resolve the transaction and obtain the amount being disputed I'd appreciate if someone could please help me with this account error as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
Experian Impossible to log into my credit report. Experian has permanently and irrevocably locked me out of logging into my own credit report because I mistakenly entered the wrong password three times. Experian offers no relief whatsoever and has no mechanism or process to allow me to log back in.

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