BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After hurricane Irma I called my mortgage company ( Ocwen Loan Servicing ) to get my mortgage payments ( {$750.00} ) pushed back for 3mnths. When XXXX rolled around they told me my payment wasn't able to be pushed to the end of the mortgage and I'll have split those payments that weren't made up over the course of the next six months along with the monthly payments which brought the payment to {$1300.00}. I explained to the bank that I have a lot of damage from Irma and that payment is going to be impossible for me to do along with repairs to the house, so they tell me to apply for a modification. I applied for the modification with the UNDERSTANDING that I didn't have to make any payments until the review is finished. I received the denial for the modification on XX/XX/XXXX and the reason for the denial is because I was 90 days past my mortgage. I called the mortgage company and spoke with a lady who now tells me in order to get my mortgage caught up I'm going to have to pay {$1500.00} over the next 11 months. After speaking with the mortgage company I called XXXX XXXX XXXX XXXX. My mother sent your information last night. I've been in my home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Capital Management Services, LP
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently got married and went to my husbands bank to be put on his checking account ( XX/XX/XXXX ) so they pulled my credit and told me I couldn't get onto his account because I had a collection on there from XXXX XXXX. 
I was confused as to why I had a collection because I had closed my accounts there almost a year ago, so I called XXXX Bank ( XXXX @ XXXX ) and they said they sent me to collections due to a balance on my checking account. I had no idea that I had a balance on my checking account and when the account was closed no one told me that I had an outstanding balance to pay. Not only that but I guess they had an old address on file that I haven't lived at for over a year and were sending information and statements to that address. I moved into my new address XXXX of XXXX and had no idea these letters were being sent to my old address. Nobody called me or reached out to me in any other way so how was I supposed to know that I had an outstanding balance? The only way I was even brought aware of this debt was because I got married and tried to get on my husbands checking account. XXXX XXXX  told me it was my fault that I didn't give them the new address ( the account was closed or wasn't being used so why would I give them my new address? ). The collection company XXXX XXXX said that they couldn't help me either and I ended up paying the debt amount that was around {$51.00} ...

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 2018-03-07
Company: EQUIFAX, INC.
State: GA
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 submitted a dispute for XXXX XXXX, and Equifax confirmed that they did receive my dispute and submitted it on XX/XX/2018, it is XX/XX/2018 and this account is showing disputed. I called yesterday XX/XX/2018 and spoke with one of the representatives and he states that it is still under investigation. I has been almost 2 months and they have not removed this account from my credit report. From my understanding a company have 30 days to respond to an investigation, but XXXX XXXX has failed to comply. I then called again to ask that this account be removed from my credit report and another rep stated that the account was not in dispute and she have to send another dispute. I asked her what was the result of my dispute from XXXX and she said she did not know.This is seriously a violation, your company gave XXXX XXXX  more that 30 days to respond and they have not. This is unfair to me because my credit score has suffered from this invalid account, that Equifax could not get the company to respond to their request for validation, but then try to sweep it under the rug.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Bank unilaterally closed my account over a {$44.00} amount due with no notice. I paid the card up to date, but it was closed a day later. On that {$44.00}, the card still had {$24.00} in rewards to be used on Amazon.com They told me that, per their terms and conditions, I forfeited my {$24.00} benefit when they closed the card. This does not seem to me to be legally permissible terms and conditions, especially when they can take unilateral action to take away a defined monetary benefit.

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 2020-07-07
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by Portfolio Recovery Associates several times in regards to a debt listed in the amount of {$720.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Act ( FDCA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: MD
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 contact Experian and I filed a dispute with them. I recently received an updated report dated XX/XX/2018. Several of the accounts that I had requested be investigated were investigated and have been removed. However several accounts still remain and I am now filing this complaint because of the information that remains. I have repeatedly disputed this fraudulent account information with no resolve.

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 2020-09-09
Company: CREDIT ACCEPTANCE CORPORATION
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:
There were a couple of disputes over false reporting from Credit Acceptance Corporation and after an investigation, the information was verified as accurate. However, after carefully reviewing all 3 bureaus the information was not only inaccurate but also inconsistent. The account was written off as a bad debt in XXXX and there had been no activity since that time. When the account appeared on my credit report as 120 days delinquent in XX/XX/XXXX I was baffled, because this was a charged off account, so therefore it shouldnt have been reporting a payment history. The reported balance was also incorrect. I settled the account in full in XX/XX/XXXX. Ive included a discrepancy in the reporting from 2 bureaus. How can the information be accurate if its inconsistent?

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I received an email that my social security number was compromised on the dark web. I've contacted Transunion, XXXX, and XXXX to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.

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 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
as per the Fair Credit Reporting Act ( FCRA ) section 609 the  credit reporting agencies have failed to remove outdated or unverified negative items from my credit report. Nor has the credit reporting agency nor collections agency have supplied to documented proof of the debt. Instead they rendered comments via my credit report such as : Dispute resolved reported by grantor, Account Previously In Dispute - Now Resolved - Reported By Subscriber, and Consumer disputes this account information Collection account Account previously in dispute - now resolved by data furnisher I had reported the fraud several times and no response and it is causing a gross impact on my credit worthiness. I have credit lines and have never missed a payments. I did not open this account nor did i agree to this service, my information was used in a fraudulent manner

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 2020-10-16
Company: F.H. Cann & Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company F H Cann & Associates Inc. keeps contacting my brother repeatedly about my supposed debt. I've never heard from them, never received any letter from them detailing the debt. The company above revealed to my family member that they are trying to collect debt and keep spam calling them multiple times a week. They are not supposed to call more than once to obtain information about my whereabouts, yet they are spam calling every week. They are not supposed to talk to anyone other than my parents and potential spouse, yet they are contacting my brother repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2020 I mailed out letters for each dispute for many accounts on my report via regular standard mail. Upon checking my online portal about 10 days later, I noticed that there had never been an investigation reported and opened. SO, assuming there was a delay with the system being updated, I patiently waited another 5 days and to my shock, there was still no mention of an investigation and I had not received anything in the mail. But this comes as no shock I guess because this isn't the first time I have tried to resolve issues and went unheard before. Anyway, On XX/XX/2020 I decided to send a follow up letter certified USPS with tracking number XXXX XXXX XXXX XXXX XXXX, requesting the accounts that were inaccurate and unverified be removed. And instead of opening the investigation, on XX/XX/2020, Equifax sent a letter stating they could not locate my file, however they mispelled my last name which I believe was intentional because that is not what I sent in. Furthermore, even though my ID and W4 was included with each dispute. It seems this is always a stall tactic when they have lapsed the allowable time by law. I just don't understand why I am being denied my consumer rights per the law. 
The accounts included : XXXX XXXX XXXX {$5400.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$170.00} ; XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX {$4000.00} ; XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX {$4600.00} ; XXXX {$74.00} ; XXXX XXXX XXXX ; XXXX XXXX {$810.00} ; XXXX XXXX ; Federal Court # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : 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 2019-02-19
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received an Unknown / Blocked phone call today. It had no number and I let it go to voicemail. I listened to the voicemail stating that I was being served papers for something, that i had to be at my house or work between XXXX tomorrow. If I had immediate questions contact the Weiss Law Offices. 

I called and the person on the other line could not validate my information. They started yelling at me saying that they will take everything I own, including my children. Not once, did they even state that they were a debt collector, which should have been stated from the voicemail to the phone call.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a Bank of America credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted Bank of America to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.

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 2022-10-25
Company: EQUIFAX, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing a complaint for violation of the CARES ACT on mortgage forbearance. Please see my complaint that is attached. I just realized it won't let me upload anymore attachments referenced on my complaint as it states file is over XXXX. But I think I included the important documents. Letter from XXXX stating the investor of my loan is XXXX XXXX and also on the loan modification agreement shows subject loan is a XXXX XXXX loan. I am not sure how to provide additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
US BANK will not subordinate a XXXX home equity credit so my wife in I can refinance our home. us bank payment is XXXX payment per month, our home payment is at XXXX month. our new home mortgage payment would be about XXXX month. i am a XXXX veteran with XXXX adult biological daughters at home who are XXXX XXXX with the oldest suffering life threatening issue at XXXX weeks of age with among other medical issues suffered a XXXX in layman 's terms. we need to have a lower home mortgage payment. the reason us bank will not subordinate is that we were late on 2 payments in 24 months due to COVID help is needed i have spoken with at dozen or so US BANK employees in the past 4 days who reportedly filed my complaint to the subordination team or have transferred me to another person or given me another phone number to call i have called the Attny General and filed a complaint with this office as well as the Office of Comptroller of Currency. the AG office gave me the information of the Dept of Commerce here in Minnesota who provided me with the CFPB

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