BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-09
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Good morning, my issue is simple, Ocwen Bank denied my loan modification. I am in eminent default. They refused my calls, checks, and request for over a year. Now they claim the investors for my loan type do not offer loan modifications. On the Ocwen website they have plenty of options for customers who are in default, they did n't offer me anything. Please help as I want to catch up my mortgage payments and do loan modification. They also refused my request for Qualified Written Request, I have a MAJOR error in my account as the bank has refused to discuss my account up until I have filed a series of complaints, the largest error is nobody even until now can tell me the status of my account, balance, etc. this appears to be highly illegal PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Prosper Marketplace, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022, someone called with XXXX number saying was from XXXX XXXX, just want to verify my phone number with account. I was suspicious. I immediately call XXXX XXXX and they said that there was nothing wrong with my account. The person continued calling me over 10 times and I refused to answer. At the time, I notice a welcome email from Prosper. I didn't want open it nor any subsequent email from Prosper. However, I received a credit card with a snapshot of spending on it. So I called Prosper -- again, without providing personal information like birthday, etc. other than my name that was already on the card. The person, XXXX, stated that he submit a request to close the card and close any information on it. He also provided a ticket 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 explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
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:
Home Depot made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. Home Depot has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if Home Depot can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.

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 2020-02-13
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: Their investigation did not fix an error on your report

Complaint:
I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions

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 2023-09-25
Company: EQUIFAX, INC.
State: TX
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 several 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: LA
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 fair credit reporting act. XXXX XXXX XXXX XXXXXXXX has violated my right.

15 USC 1681 sec 602 ( a ) i have right to privacy 15USC sec 1681 sec 604 ( a ) it also states a consumer reporting agency can not furnish a account without any 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 explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE 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 XXXX 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 an 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 2021-07-08
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: Information belongs to someone else

Complaint:
I have submitted information to the CFPB, XXXX  and to the companies reporting negatively and inaccurate information on my credit file and I recently received information back from Experian saying that they verified the account and I would like to know how they did when the information you have on there is not only inaccurate, but the information does not line up. you're reporting different information and need to remove it before I submit this information to small claims court. 
Referencing the account from : I. XXXX XXXX XXXX I have submitted the following documents, none have been addressed and verified by XXXX  XXXX 
- QWR ( Qualified Written Request ), - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and -DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE I also showed the discrepancies in reported information. 
They need to remove it. 
XXXX. XXXX XXXX is also reporting different information and needs to be removed from my credit file. 
I showed the discrepancies in reported information. 
They need to remove it We're having the same issue with XXXX  and 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 2021-07-08
Company: EQUIFAX, 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 status incorrect

Complaint:
On XX/XX/2021 XXXX XXXX XXXX, XXXX stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 XXXX and Equifax is reporting that the account has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE 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:
My identity was stolen and I made transunion and XXXX aware of this and sent numerous of letters and documents as proof to the identity theft and accounts that were associated with the theft. 

These companies are still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK

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 2023-06-17
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened up an Apple Savings Account, which I believe is actually run/managed by Goldman Sachs XXXX XXXX ). There was no problem opening the Savings Account online, and no problem having cashback deposited from my XXXX Credit Card directly into the Savings Account. 

However, now that I'm trying to withdraw money from the Savings Account ( from accumulated cashback from my Apple Credit Card ) to my personal checking, XXXX now tells me ( on XX/XX/2023 ) that I have to " verify '' the checking account I'm trying to withdraw funds into. XXXX opened a text chat window ( on my XXXX ). After texting with customer service, the XXXX told me that I have to call ( can not text/chat ), and have to do so between XXXX XXXX Monday to Friday. ( It was Saturday afternoon when I was trying to take care of this. ) Honestly, this feels like a huge bait-and-switch. XXXX pushed this XXXX Account very heavily through my XXXX ( before sign-up ), and I don't remember needing any information other than my SSN to sign up ( in addition to my name, address, etc. which I already have on file with XXXX and which I believe was entered automatically ). It seems very shady : ( a ) to not actually have a full/working account upon sign-up, ( b ) to hide this fact until XXXX XXXX ( in my case, weeks later ) when the customer attempts a first withdrawal, and ( c ) to then give the run around ( chat, then told to phone but only during certain weekday business hours -- whereas " opening '' an account seems to be available XXXX/XXXX/365 ). 

At the very least, I should be able to apply my Savings Account balance as a payment to my Apple Credit Card ( which I opened long before the Savings Account ) without going through this verification process. Instead, XXXX XXXX XXXX XXXX me up '' for an account that isn't actually fully mine ( yet ), insofar as I can't access the money in any fashion until I take additional verification steps ( and on XXXX 's XXXX ). 

To be blunt, I'm not sure I would have signed up for the Savings Account in the first place if I had known I was going to have take these additional, not-at-all-quick-or-easy-or-online steps later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Self Financial 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:
In accordance with the fair credit Reporting act this company has violated my rights.

15 USC 1681 Section 602 States I have the 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 1666B : 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 explanation
Consumer complaint received 2022-07-22
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: Was not notified of investigation status or results

Complaint:
Hi I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance.

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 2023-06-22
Company: Bread Financial 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 had an account with XXXX thru Commenity Bank. When my balance was {$310.00} I initiated a balance from XXXX to my XXXX XXXX  credit card. XXXX XXXX  initiated the transfer within a fee days. The money was never credited by Commenity so I was still being charged by Commenity and XXXX XXXX. After numerous attempts and minths to fix this problem with Commenity, I requested XXXX XXXX take their money back. Still after XXXX XXXX credited my account I continued to try to work with Commenity to credit my account all late fees and interest to no avail. I finally contacted a lawyer and they won my case by crediting my Commenity account to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a payment of {$53000.00} sent overnight to Nationstar Mortgage , LLC. THe addressed used was the address on the website to accept overnight payments. It was received by their mailroom at XXXX on XX/XX/XXXX. After more than two hours over the last two days they still have not been able to tell me anything about this payment other than to ask if my check had cleared my account. I tried to remind them that this was a cashier 's check not a personal check. Today the call began approximately XXXX and ended at XXXX. I repeatedly asked for a supervisor, was promised I would be connected " now '' numerous times over a 30 minute time period, to a XXXX XXXX ... I was transferred to hold music and finally a XXXX XXXX answered. She finally took me up on my oft repeated offer to send a copy of the cashiers check and XXXX waybill to help her research department. She said it could take 7 days. This payment was to reduce the loan balance below what the net proceeds are for the sale of this home. If this payment is not applied the sale of the home could be cancelled. The title company handling the sale is waiting to hear that the payment was applied but soon the time limit for completion of the required paperwork will expire. The sale is to close XX/XX/XXXX. She verified that she had received the email containing the payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Alliant Credit Union is engaging in consumer-exploitive practices to increase their interest profits by placing excessive holds on deposits. They have a pattern of abusing exceptions to the XXXX  XXXX act to increase hold times. I have used Alliant solely to wire my rent monthly since XXXX as the wire process can be completed by docusign rather than wet signature. This is important for timely payment of rent as I travel frequently in my job which can delay providing a wet signature for a wire. On XX/XX/XXXX I deposited a check for {$600.00} with Alliant which was to be a portion of funds to pay my rent. On XX/XX/XXXX I could see that the funds had cleared the bank of origin- my XXXX daughters account. On XX/XX/XXXX I proceeded to initiate the wire transfer of {$4800.00} for my rent, but after completing wire security was informed that funds could not be sent because a hold had been placed on the {$600.00} deposit until XX/XX/XXXX. They transferred me to the hold department and would not release the hold. This hold is excessive and not compliant with XXXX  XXXX XXXX. No funds have been made available. They did not make {$200.00} available on the first business day and {$600.00} by the second business day. As far as I can ascertain, this check and my account meet none of the criteria that would allow an exception to XXXX  XXXX to place a longer hold. The reason given by the bank is that names dont match. My name as written by my daughter on the check matches my signature on the bank and the name of my Alliant account. They have not been able to justify the hold further or explain what discrepancy in names exists. We know they have had confirmed funds since XX/XX/XXXX. This is a pattern with Alliant. Over the last 4 years, I have noticed longer holds being arbitrarily applied, even to ACHs not just checks. Sometimes they lift them with pushback. This time they didnt. When credit unions exploit and misapply exceptions to XXXX  XXXX funds availability, it has tangible financial consequences for consumers. Consumers may incur additional interest on other obligations that they would have paid sooner if funds were available, may incur late fees on other obligations due to arbitrarily long holds on funds availability, may incur overdraft fees, or in my case may have their housing endangered due to inability to make timely rent or mortgage payments solely due to illegal or illegitimate holds on funds availability. I am a single mom with XXXX kids, XXXX XXXX XXXX XXXX XXXXXXXX. Despite having a high paying job, my rent is late solely due to Alliants consumer-exploitive practices and violations of XXXX  XXXX in pursuit of higher interest profits from preventing deposited funds from being spent or withdrawn.

Company response to consumer: Closed with explanation