BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I became aware of an issue with my bank accounts and online banking access. I attempted to log into my online banking and was told that my password was incorrect, despite knowing it was correct. I then found out that my password had been changed without my knowledge. I attempted to reset my password using my ssn and last 6 digits of my card number and was told the information entered does not match our records. I called Bank of America to figure out what was going on and was told that my accounts, online access, and debit card were locked due to suspected fraudulent activity. I later learned that someone apparently attempted to cash 2 fraudulent checks on my account. And that was the reason the accounts were locked. I submitted a claim over the phone for this unauthorized activity and was told they will conduct an investigation. But I have concerns due to the fact I was told it could take up to 60 business days to complete the investigation. Although, I was told it usually doesn't take that long. But during this time I won't have access to any of my accounts. I also have not heard anything since the claim was initially submitted. Bank of America is the primary place I do my banking and I have been a loyal customer for about 3 years. Not being able to use these services for an extended period of time poses a major inconvenience for me. And I would greatly appreciate a faster resolution to this issue than possibly taking up to 60 days to minimize the inconvenience it causes. I should also note that I suspect there may be fraudulent charges on my debit card as well based on my communications but haven't been able to confirm this yet since I can't get into my online banking. And I plan to call tomorrow to see if I can get more info on my recent debit card transactions.

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 2021-11-15
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am the successor of interest on my father 's mortgage. 
PHH Mortgage will not answer any of my questions about my father 's mortgage directly. 

PHH Mortgage reps keep informing my sister and her attorney that the mortgage is in her name and she assumed the loan, see cour documents. 

My payments are being applied properly to the principal, see attached. 

I asked PHH Mortgage to provide proof that my sister made a deferred balance for modification for {$29.00}, XXXX I talked to a rep who first said my sister made the payment but didn't know if it was a modification adjustment. 

PHH mortgage sends a statement to my sister 's house at XXXX XXXX XXXX in her name but tells me that a statement can be sent in my name due to the policy at PHH. PHH Reps claim that statements can only be in the account holder 's name but clear as day you see XXXX XXXX on the Statement. 

PHH sent my mortgage statement to the wrong address but always had my address on file. 

I have asked for a supervisor to call me back 5xs and in 2month period and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I initiated an {$71000.00} online transfer from my Marcus Bank by Goldman Sachs online savings account to my XXXX XXXX  checking account. 
Marcus Bank Acct : XXXX. Social Security # : XXXX. 
I have called three times over the past week and the bank refuses to unlock my account and send me my money. The bank has refused to provide me with any explanation for refusal to send money. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and reviewed it. It stated that the following inquiries ( mentioned below ) made a credit inquiry. These inquiries, however, were not authorized by me. As a result, I'm sending thisto contest the inquiries and have them deleted from my credit report. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every year my servicer, Select Portfolio Servicing ( SPS ) sends me a letter about my PMI. The letter clearly states that under the Homeowners Protection Act that I can request for my PMI to automatically terminate at 78 % of the original value. Since I have hit that mark, I have attempted twice for them to drop it. Each time I'm told that I need to pay for an appraisal of the property, which is against that their letter states. An appraisal costs ~ {$600.00} and I pay $ XXXX/mo in PMI, so the break even point is not enough to pay for an appraisal. 

I've attached both the Annual letter they send regarding the PMI, and the denial letter telling me they never received funds to pay for the valuation. 

Should the PMI drop off at 78 %, or do they have the right to require that I pay for an appraisal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Financial Assistance Inc
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was reviewing my credit reports and i found two debts being reported by Financial Assistance. Pursuant to 15 USC 1692g i demanded debt validation from them. On XX/XX/2021 I sent Financial assistance a debt validation letter requesting information that i was legally obligated to pay and if they were unable to send me the information I requested, then the false information that they are reporting on my consumer report under my name must be removed immediately. On the XXXX XXXX I received a letter back from Financial Assistance [ please see attached ]. There company name was no where on any original documents. And the letter was typed up by them and they had included another organizations name in it, trying to claim that as legal debt validation. This does not count as legal debt validation, and I know nowhere in the law this would be used to validate a debt, which I stated. Also on the letter, it never acknowledged any of the points requested for proper debt validation. To begin with, I requested to see any agreement or contract that had my signature, showing that I had entered into some type of dealing with Financial Assistance and that I was legal obligated to pay them any amount of any debt. I have had Financial Assistance reporting false and negative information on my consumer report for a long time and it has caused alot of emotional stress and injuries. I responded with a second letter on XXXX XXXX requesting a proper debt validation and that the photocopy they sent was unacceptable. I included an invoice for the laws that they had broken in reporting negative and false information and defemination of character. Which they still have ignored and not responded too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2023-01-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to log into https : //my.equifax.com/ once on XXXX PM XXXX XX/XX/2023 to lift a freeze. Received lockout screen. Called in to remove lock. Used automated system to verify myself by entering correct information stored by Equifax as reported to me by XXXX. Phone system would not authenticate me with any addresses. Got an agent. Agent said there was no phone number on file and he needed me to provide it to unlock my account online. I told him I didn't want him to store it. He said ok. I asked him to send the verification code to my email instead. He said he would not. I gave him my phone number. He said he was sending a link for me to upload my license and take a selfie. I said that using the threat of not being able to unfreeze my account in order to get images, IDs, and phone numbers from me is not legal. He said he required that information. I asked him to unfreeze my account without resetting my login. He refused. Equifax is holding my account hostage in order to get social information from my like images and drivers licenses, not to mention my phone number. I can not apply for a mortgage or credit card without unfreezing my account potentially. No other credit agency has behaved this way to me. This is way against the spirit of CFPB, so I am reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried lifting Security freeze online with Experian. Wouldn't allow me to do it online and required I submit request in writing. Followed instructions on what to submit. Provided all documentation requested. After 3 business days, still unable to access credit report. Received a letter, stating I " didn't '' provide all the information requested to " verify identity '', which is false. Made numerous attempts to speak to a live person at Experian. Unable to get through to a live Human Being. This is not the first time I've had this problem with Experian.

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 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
3 months ago I contacted iQ data international_ due to a XXXX $ Colection that was placed on my account, because of a apartment lease. The account is joint by me and and my daughter. I called and asked if I can make some sort of arrangement. They told me I can make a XXXX $ payment and the offer was only good untill the end of the month of XXXX. To hold the offer I would need to provide a debit card. I provided a pre-paid card to avoid any theft. I got a notice 3 days later that the company was trying to take XXXX $ from the card. They contacted me quickly when it didnt go through threatening me that if I didnt Give them the money there would be problems. I told them that they lied and I will not provide XXXX $ and they started using profanity making threats asking for the money. They started to contact family members letting them know they need to Collect my debt making threats as well to them. They claim they know where I live and they arent scared of coming to my house. Im tired of contacting them and would just like to resolve this to never talk to them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2021, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.

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 2019-09-10
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting incorrectly a collection from XXXX for {$3200.00} account number XXXX. ( Please see page attached from my credit report. ) I have also attached a copy of the Receipt from XXXX XXXX XXXX , XXXX., showing a payment of {$1200.00} was received on XX/XX/2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureau would delete this line item from my credit report and report a current balance of {$0.00}. XXXX and XXXX are reporting correctly, however Equifax is not. I have contacted the bureau to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The goverment website says, to order your free annual credit report from one or all of the national credit reporting companies, and to purchase your credit score, visit XXXX, call toll-free XXXX, or complete the XXXX XXXX XXXX Request Form and mail it to : However, on the XXXX website, it only allows you to receive your credit report. It does not allow you to purchase your credit score. If I go to any one of the credit bureau websites, I am forced to pay for a monthly membership to get my credit score.

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 2017-11-02
Company: Riverwalk Financial Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from the Credit Bureaus that the Company Deville Asset Management has flagged my accounts for collection. I never received any letters with any chance to verify this. I disputed this company earlier this year for failing to provide my signature proving that I owe them anything. They also removed this from my report. I received a notice on XXXX XXXX, 2017 which I will attach. They have violated the FCRA on reinsertion, and have also failed to provide me with any proof that I have business with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I called and reported to EQUIFAX XXXX and XXXX that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the Federal Trade Comission as I was told to do by agents of all three credit reporting companies EQUIFAX XXXX and XXXX all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: SC
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:
I did not give consent as the consumer/ natural person and my privacy was violated. This is harassment deceit, coercion, and intimidation. 15 usc 1681 a state 's communication of that information among persons related by common ownership or affiliated by corporate control. Communicaton of other information among persons related by common ownership or affiliated with 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 is not communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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