BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: AZ
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 ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a refinance with PHH Mortgage, and they can not tell me why they can't get my home appraised, appraisal came out on XX/XX/21 and said he would have it done on XX/XX/21 called PHH Mortgage around. XX/XX/21 and was told that they were not able to appraise and they are going to another appraisal co. And they extended my loan application for another 30 days, I got back with PHH on the week of XX/XX/21 and they told me that they still can't get it appraised, I called back on XX/XX/21 and they still can't get appraisal and not able to tell me why, then on XX/XX/21 they turnamated my loan application, they called me today XX/XX/21 and told me it's because they can't get my home appraised and can't not tell me why cause they have no answer to why, so now I can't get the interest rate of XXXX cause interest rates when up, and I can't get any information about the loan cause we did the e file and I can't find any information except the little bit I have in emails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: JPMORGAN CHASE & CO.
State: FL
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 scheduled my payment with the automated system multiple times but it disappears before posting. Same system as always, just not posting any payments. Very convenient time of year for their system to suddenly stop posting payments when credit balances are probably maxing out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are breaking federal laws by violating the Fair Credit Reporting Act ( 15 USC 1681 ). Your fiduciary duty in accordance with the Act, is to protect and respect my right to privacy ensuring that my consumer report is fair and equitable to me as the consumer since this is my consumer report. Youve have failed to perform your grave responsibilities which are vital to the functioning of the banking system with your unfair credit reporting methods! As a consumer, you must have my consent FIRST to furnish anything on my consumer report. Furthermore, in accordance with the Gramm Leach Bliley Act ( 15 USC 6809 ( 3 ), you are defined as a financial institution. Congress made it your obligation to respect my right to privacy and provide me with an opt out option of the sharing of my nonpublic personal information with nonaffiliated third parties! Youve failed to perform your official duties in which Congress clearly specified in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm Leach Bliley Act ( 15 USC 6801 ). Congress also states that a consumer report to EXCLUDES transactions and experiences between a consumer and the person who makes the report. Im aware that as a consumer reporting agency ( 15 USC 1681a ( d ), for MONETARY FEES you participate with nonaffiliated third parties to defame my character, weigh on my credit worthiness, and extort me on extensions of credit! Congress states that not only that I have right to privacy, but I may exercise my opt out option of sharing my nonpublic personal information at any time due to your failure to never provide me which an option to do so.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-05-23
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:
I filed a complaint with XXXX, XXXX, and Transunion on XX/XX/2023, XX/XX/2023, and XX/XX/2023 and have not received a response. As a result, they are in volition of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2021-05-05
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collections notice in the mail on XXXX XXXX. The date on the letter was XXXX XXXX. The letter stated that unless I asked for validation of the debt, they would assume the debt was valid. I sent a letter on XXXX XXXX asking for validation of the debt. On XXXX XXXX I called the collection agency and explained that the 30 days to get back to me was up and the collection needed to be removed. I spoke to XXXX with XXXX XXXX. He verified with me that he received my request for validation of the debt yet refused to remove the collection even though the legal time frame for validation had expired. I called again on XXXX XXXX to follow up about removing the collection and he refused to speak to me due to him being on speaker phone which he had no way of of knowing. He then disconnected the phone call. I called back and again he refused to speak to me stating that he was on speaker but what he really heard was children in the background. I asked to speak to a supervisor due to the unprofessional like conduct from all calls, he did not transfer me to a supervisor, he sent me to a voicemail. Not only did I want to complain about his behavior, I wanted to follow up on the removal of the collection. Since I was sent to voicemail, I never got an update. I would like this collection removed due to the debt never being validated with me. The time allotted by the Federal Fair Debt Collection Practices Act has now passed. According to that act, after XXXX days with no validation, the collection agency must cease collection efforts and remove negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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 2023-01-06
Company: AMERICAN INTERNET MORTGAGE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi - We bought a home using a first lien mortgage ( XXXX yr fixed ) product and then refinanced it again from AIMLOAN. We have always used the online portal to pay the mortgage payments. To log into the online servicing portal, the website uses XXXX step authentication process ( first login and password, and second sends a XXXX digit passcode to email ) process to validate credentials. More than a month ago, the process broke down : After completing first stage, the portal stated that XXXX digit code has been sent but I stopped getting the code without which I am unable to login and make payments. I called and escalated and even communicated with their XXXX - XXXX but in vain. They have been giving run around and communicate sporadically but have not been helpful. Meanwhile I had to call their customer service and had to make payments after spending XXXX mins every time. The service and approach to customer complaints resolution has been awful. 

Can you please help resolve the issue and also make sure that other customers are not subjected to similar lapse in service? 

Your help is highly appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have repeatedly requested copies of lean release letters five times since XX/XX/23. I received a copy that omitted the correct and complete make and model of the vehicle after the second request. Illinois DMV rejected the letters to obtain replacement titles because the make and model listed on the documents are incorrect. I have requested corrected copies three times since receiving the copies date XXXX. I am told to wait 7 - 10 business days each time I call.

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 2020-10-15
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
harvard collections claims i owe them {$2400.00}. i do not owe them any money at all. this is inaccurate and its is very unfair becuase it is damaging my credit report with wrong information. it is creating an issue for me to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: BARCLAYS BANK DELAWARE
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I was the victim of identity theft. Someone used my previous last name, with my DOB and SS number to open a XXXX XXXX through Barclays. I have not used this last name since 2016, this person charged XXXX dollars. This account is not mine. Despite numerous calls, sending of the police report, ftic report and letter they are still refusing to acknowledge this is a fraudulent account and demanding that I pay the money or they will ruin my credit. This is not my account and it was not me that opened it

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 2022-04-28
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I was reported as being late on my mortgage while in forebearance and they did a loan modification-but also a covid Death occurred related to covid-19 to my spouse who was also a co-borrower ( joint ) on the Mortgage loan with XXXX. 

I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower ( joint ), and request time for hardship into XX/XX/XXXX, until i could get back on my feet. 

I was told by the representative XXXX, they never acknowledge my Hardship request even though I submitted all information on the Death of co-borrower to XXXX  XXXX on their website for mortgage assistance for relief until XX/XX/XXXX. 

Instead they went and marked my XXXX XXXX mortgage marked me late over 26 times late during forebearance.. 

I reached out to the Lost and mitigation dept at XXXX they told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody had yet reviewed my request at XXXX XXXX because they are so backlogged. 

I filed CFBP XXXX XX/XX/XXXX -- due to unfairly being marked late payments while my mortgage was in forebearance and during a hardship being negatively marked late with XXXX. 

I am still waiting for Experian to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX .... 

I was severly impacted by covid and covid death of the ( joint ) co-boworrer / my spouse 20 years- XXXX XXXX who died, was a hard working RN-Nurse at Baylor Hospital and Nursing home. He worked in the Covid ICU ward from XXXX to XXXX ..... 

XXXX was not to show or mark me as being while on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my fee

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 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX, either 90 or 120 days late as of XX/XX/XXXX, and either 120 days late or no data for XX/XX/XXXX. The inconsistent reporting makes this very confusing. Again they marked me as 30 days late or not in XX/XX/XXXX, either 60 or 90 days late in XX/XX/XXXX, 90 or 120 days late in XXXX, depending on who you ask, and again 120 days late or no data for XX/XX/XXXX! I don't remember paying any late fees or anything, this is truly outrageous!! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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:
Our mortgage account was transferred from Bank of America to XXXX in XX/XX/2018. At that time we were 30 days late. The status for the Bank of America states it is PAYS 31-60 DAYS. This status is causing our credit report to show a current delinquent account. We accept that the XX/XX/2018 status should show 30 days late ; however, we respectfully request that this account be updated to show the current status is Closed or something to that effect. 

Ive added my full credit report as well as a screenshot of another account from XXXX XXXX that was late when it was paid off but shows that it is now closed. They just fixed it and it went from showing as a delinquent account to closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i was not able to make payments due to some fraud activity on my XXXX XXXX, i recently got a new bank and when i was about to give a payment they said the account was closed...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: OH
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:
My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also Experian is reporting 11 late payments but XXXX  and XXXX  are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
So on XX/XX/XXXX my XXXX XXXX account which has been closed since XXXX ( debt ) was reaged by the company to XX/XX/XXXX. I disputed this error and transunion refuses to update or even attempt to get the right close date from the company the information is inaccurate and should be removed due to FCRA regulations also it was reaged which is illegal it should be removed. I have disputed multiple time with transunion and talked to higher authority in their departments it still is refused to even be looked at or disputed they just go through the motions click a few buttons and not even look into it. And everytime i call to point it out they say oh well we will dispute it for you when i have already disputed it multiple times and rhey refuse to investigate alot of information on my account is innacurate. Like they allowed a XXXX year old credit account to be reaged as a collection on my account know it was going to drop off soon ( XXXX XXXX ) and fail to fix that as well. The account was sold to another company and they reported it after XXXX years on my credit report as new so now its stuck on there for another XXXX. They fail to work with consumers only helping themselves and creditors.

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