BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the beginning of 2021 PHH Mortgage allowed a government sponsored COVID deferment to our mortgage, at the encouragement of the PHH relationship managers. They suggested placing the past due payments, or deferred payments at the end of the loan. This would be a separate amount due after the mortgage balance was fully paid. Once deferment was over PHH requested a loan modification due to the COVID deferment. Signed papers were requested. PHH then would not accept the notarized signatures that were requested and sent by PHH. PHH then would put a time limit to receive the signed and notarized papers. This happened up to 5 times. In the midst of trying to correct the signature issues mortgage payments were sent to PHH, some were accepted, some were not accepted, then other times we were told not to send payment at all. Now after seeking legal assistance while PHH threatens foreclosure our attorney is struggling for clear dialog with PHH. They now are saying the mortgage is in active foreclosure. PHH is not willing to work through their own admitted errors by their underwriters and escalation department. Our attorney has made repeated efforts to work this out with them and PHH refuses to cooperate. This is resulting in added attorney fees while PHH is adding " delinquent '' ( We feel there is no delinquency because payments were paid as were due but not accepted by PHH at their instruction ) interest and/or fees that PHH will not explain. We feel like we have exhausted all efforts to please PHH Mortgage and are open to resolve but seem to be getting no where.

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: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Have contacted the company and tried to get a card reissued in XXXX, XXXX and XX/XX/2023. I was informed that because the information the company has on-file for me is different from what my current address is they will not reissue a card. Nor will they provide an account number by phone so i could register my account for PAYMENTS, making it hard to make payments on-time. I also requested this account number by mail so that i could set up auto payments but the statement arrived and the account number was still masked. this makes it impossible to make my payments on-time. because they will not provide me with any of my account information on a account that is current and i am the only one making payments. This company is also reporting this wrong inaccurate address to the three major credit agency which is even more problematic for me due to this information being inaccuracy. The address that is being reported from this company is an address that I did not provide to this company. So how ever they obtained this information is not from me. The address I provided when I opened the account and the address I provided when I updated my account should be the only information this company should have and should only be reporting the information I provided. Not information they have obtained from an outside source. Not only are they not reissuing my card that works they are also providing inaccurate information to my credit report and I have tried to dispute this information however because I have an open account with smile generation and they are the ones providing this information my disputes have closed with adverse effects to my credit report because the information is wrong. which is also causing me to miss opportunities to establish better credit because what they are reporting does not match what it match on my applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One has violated my rights under the FCRA, Acct. XXXX 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose. Capital One is committing fraud by furnishing my private nonpublic information on my credit report without my consent. This information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXXXXXX. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..

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 2023-01-08
Company: ENCORE CAPITAL GROUP INC.
State: MD
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 has not provided the authorized agreement creating the debt 15 usc 1692f. Therefore if there was no agreement in place between myself and Midland Credit Management inc. that means i have no contractual agreement to pay them an alleged debt. This accounted has never been validated and I have no knowledge or relationship with the company. the debt collector has been notified it has been disputed and needs to be removed until they mail me the Original Purchase agreement or copy of judgement. I have not given this debt collector any consent to communicate with me Pursuant 10 15 usc 1692c. By them reporting on my consumer report this is communicating with me and is a clear violation of federal law therefore they need to delete this account. 

I think they are trying to manipulating the statute of limitations because they are changing the balance and past due balance of the original amount every other month and they are reporting the payment status as 120 days late when be default collections are past due. 

I have never Given 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BlueChip Financial
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. Account opened XX/XX/XXXX, XXXX, XXXX XXXX for U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive any mail from the company and as of XXXX still have not received any mail of summons for garnishment. I had to request documents from my employer on XXXX to find out who was garnishing me. I did not comply to any terms given nor have I been to court to comply with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following addresses are also in violation of my consumer rights : Address 1 :XXXX XXXX XXXX In XXXX Address 2 : XXXX XXXX XXXX AR XXXX The following alias listed on my credit report are a violation of my consumer rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of XXXX  I created a checking account in branch with truist. I told them I wanted to apply with the code XXXX. This provides a {$400.00} bonus with {$1000.00} in direct deposits. I waited XXXX months after the closing of the XXXX month period and called to make sure I hit the quota. The branch told me it might take a month after the closing date to get the bonus. A couple months later I have been reaching out and getting no one to return my calls and no one to help with solving this problem.

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 2023-08-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Beginning in XXXX, Ally Bank XXXX XXXX XXXX, XXXX, TX XXXX is taking an exorbitant amount of time to post payments to this account and claiming they did not receive the payment in time and then charging {$35.00} late fees. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from by XXXX XXXX  checking Account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 11 days after the payment left my bank account. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX  checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 3 days prior to my due date, yet I was still charged a late fee on XX/XX/XXXX. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX  checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 12 days after the payment left my bank account. 

I have called and escalated this issue with a supervisor there and the only thing they can tell me is to use their AutoPay system to make the payment. They say their postal service is horrible at delivering their mail. Not my problem, why I am being penalized when my payment is leaving my account 5 days early to insure they get their payment within the guidelines they gave XXXX XXXX  ( see statement on the proof of payments ). I purposely use my bank 's bill pay system to keep all my bills in one place and utilize this with many other companies and don't have any issues with them getting payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XXXX credit card in the amount of {$5000.00} was opened in my name that i know nothing about. i contacted the company and hey told me that if i made a payment to a collection it would be removed from my credit report, but it was not removed.

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 2023-02-14
Company: EQUIFAX, 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:
To whom it may concern, Equifax After reviewing my consumer file I noticed the following account reporting in INACCURATE error. Please DELETE these account immediately : ( XXXX XXXX XXXX  : ) ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX : ) Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These accounts is reporting a Balance and the account is reporting closed, the account is reporting late payment history and therefore the account is in VIOLATION. Please Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MD
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 reviewed my credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$16.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # ending in XXXX This creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts XXXX  and XXXX. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

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: 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a junk debt buyer trying to collect a zombie debt that doesnt belong to me. Sending harrasdin collection letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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: 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: Account information incorrect

Complaint:
I have filed a dispuTe in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

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