BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a second mortgage account with PHH load servicing. I received a billing statement for the month of XXXX that showed {$0.00} due, and my account was then updated to show a payment due of {$350.00}. I attempted to make this payment multiple times via phone and email and their systems would not allow me to make the payment. I finally reached an agent on XX/XX/XXXX and they told me that my loan had matured and I couldnt make the payment that their systems communicated to me as due, but must pay the balance due. Additionally, they told me that they would have to request a payoff quote, which they processed and I didnt not receive until XX/XX/XXXX, nearly 3 weeks later. I will be wiring them the funds tomorrow, XX/XX/XXXX. My account was reported past due to credit agencies last week significantly impacting my score after not missing a payment on this account for the full 15 years of its existence. I am incredibly disappointed in the servicers communications, innacurate billing statements, and flat out refusal to help resolve the issue. I was even told by an agent at PHH on XX/XX/XXXX that my accoint WOULD NOT be reported as pst due as they wouldnt accept my payment. I am attaching a copy of the dashboard stating the payment due that they would not allow me to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: AL
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 list of account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality, XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX XXXX has sold this alleged debt to XXXX XXXX XXXX XXXX I did not give written consent nor was I notified of this sale on this alleged debt.. 

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 explanation
Consumer complaint received 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8.00} and a High Balance of {$18000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - C/O in XXXX XXXX ; XXXXfull XX/XX/XXXX year ; full XX/XX/XXXX year ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XX/XX/XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; 60 days late payment XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated in red color. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 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 explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Wells Fargo Monthly Fees. 

During a routine banking visit, it was recommended to me to open an additional checking account for security. To use for internet purchases so as not to disclose my main checking account. As there was no fees involved I took up the offer. 

I was recently charged {$25.00} as my account balance of my two accounts dropped below {$20000.00}. I've had the account open a number of years and generally keep a healthy balance so I've never incurred any fee. As I've started using another bank with a better savings rate for the first time my balance fell below $ XXXX. 

My complaints are these : 1. I was sold the original account by Wells Fargo on the basis this was a security measure. I didn't really want the account in the first place 2. At no point has it been explained to me that there was a requirement to maintain a balance over $ XXXX. I would not have signed up to account with this requirement, and if I did it was buried in the small print where I wouldn't have seen it. 

It's completely unethical banking practices. I am going through the complaint process with Wells Fargo. I'm sure they will refund me the {$25.00}, but I think it's important other consumers are informed/protected about these practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2018-10-25
Company: JPMORGAN CHASE & CO.
State: NV
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:
Chase mortgage account # XXXX this account is over 8 years old and Chase still report to my credit. Please stop reporting this account to my credit report, account too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XX/XX/2020 Maryland Bank of America Pre-paid Card application kept kicking me out whenever I tried to make an transfer-to-account transaction. All the information was correct. Called the Bank of America pre-paid customer service number XXXX. 
Was advised that card was closed not flagged by Maryland Dept of Labor, but by the bank. Verified all the information and security questions without hesitation, but because my mailing address was not of a Maryland. My residential address is but I've since became homeless, so I'm staying with relatives in FL. If Maryland finally approved my benefits after 7 long months of waiting now to be discriminated against by an agent for me to call Maryland unemployment which is known for not responding nor answering calls due to overwhelming claimants in the state currently. I was able to contact one agent from Maryland unemployment whom advised that if the state didn't hold the payment then it is the banking institute to allow usage within guidelines. But before the agent could get all my information the line disconnected.

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 2017-06-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Santander Bank offered a promotion of funding {$220.00} banks after certain conditions were met. Those conditions include direct depositing an amount of {$500.00} or more, and keeping the account open for 90 days. Terms and conditions say it may take up to 30 days for funds to appear in the account after the 90 days. I open an account and funded the initial deposit on XXXX XXXX, XXXX. It has been 125 days since that date. I made two direct deposits to the account, each of a sum of {$500.00}, on the XXXX of XXXX ( approx. 30 days after account opening ) and another direct deposit on the XXXX of XXXX ( approx. 45 days after initial deposit ). I have established good standing with the account and no fees applied, due to continuation of direct deposit. After not receiving and funds after 120 days, I called the bank. A customer service representative told me I should call back later in the week if the funds were n't posted. I called back later that week, and was given a reference number. Was told to call on the following Monday. I called on Monday, and was notified that the bank was performing 'research ' to establish if I would receive the funds from the promotion. I believe the bank is delaying paying me in hopes not to provide the funds offered from the promotion for fraudulent reasons.

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 2018-10-25
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: Account status incorrect

Complaint:
The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2023-01-26
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX and this CFPB Complaint is a follow up to the recent CFPB Complaint I submitted requesting the removal of the disputed accounts and information from my Credit File which resulted due to my identity being stolen. I have read that under the Fair Credit Reporting Act section 605b, you are expected to remove any accounts and information that resulted due to identity theft. In accordance with the Federal law, I need you to have the disputed accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$8500.00}. If you believe that the disputed accounts are accurate and belongs to me, I need you to send me any documents supporting your claims. If you can not provide me with such documents, I expect you to immediately remove the disputed accounts from my Credit Report.

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 2023-04-16
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX, I was advised that I needed to take a XXXX private loan. Less than 10 months later, XX/XX/XXXX, I was again told I needed a private loan, this time the amount was XXXX, XXXX. 

XXXX loan {$10000.00} : Two problems with all of this. # 1. FASFA sent {$11000.00} in the months prior to the XXXX loan, why would I need this private loan? 
# 2. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, sent me a copy of my account history. Please note, as XXXX did, a XXXX loan never shows up for XXXX. 

XXXX XXXX {$31.00}. Several problems. # 1, in the months prior to this loan, FASFA sent {$52000.00} on my behalf. # XXXX on the accounting history document, money was returned to the lender in the amount of {$18000.00} and {$2000.00}, and XXXX. 
# XXXX. My credit report shows I defaulted on the entire loan. 
# XXXX. In XXXX, I sent my financial adviser for the college an Email questioning why I even needed any private loan. I am thinking that was when money was sent back. 

I am being sued, my credit has been ruined as well as the credit of my family, co-signers. 

I will include emails, XXXX Account history, the XXXX Loan amnts that were forgiven due to XXXX & XXXX ( XXXX XXXX. Copy of credit report. 

Thank you, 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 2018-10-25
Company: EQUIFAX, INC.
State: NJ
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX Equifax : XXXX XXXX : XXXX. XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX  Equifax:XXXX XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX , XXXX Equifax : XXXX  XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax:XXXX XXXX : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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:
Recently while temporarily lifting a security freeze, I encountered a possible security risk at Equifax. Since 2019 the company no longer uses a pin number to protect security freezes. Rather, they simply ask a few questions to verify someone's identity before lifting a freeze. But unlike a personal pin number, which only the credit bureau itself and the person named on the credit report has, anyone with access to the credit report can easily answer Equifax 's questions. 

This is of particular concern because of the threat posed by malicious insiders employed at various financial services organizations who may come into contact with the credit report. Equifax does not offer consumers the extra option of protecting the security freeze with a personal password ; I asked to use a password but was informed they couldn't do it. 

https : //www.upguard.com/blog/insider-threat

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, 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 am a victim of Identity Theft and Equifax is violating my rights under The Fairs Credit Act. I have faxed and mailed several documents to Equifax about fraudulent accounts, credit cards, addresses etc and they refuse to delete this information under the Fairs Credit Act. I have sent over my Identity Theft Report from FTC and IRS Identity Theft acceptance letter as well as statements, blocking letters etc. and they have refuse to remove this information from my credit report. XXXX   and XXXX  has already deleted these fraudulent inaccurate  information from my reports but Equifax refuses to. EQUIFAX IS IN VIOLATION OF FEDERAL LAW AND VIOLATING MY RIGHTS UNDER THE FAIRS CREDIT ACT UNDER SECTION 605b. 

Last certified mail to Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX was mailed on XX/XX/2020 via certified USPS mail and Equifax have not updated and block these inaccurate accounts.They have also block my online access to myEqfuiax.com and are not responding to my disputes and Identity Theft claim. Equifax is in continued violation of my rights as a U.S citizen under the fair credit act. 
XXXX XXXX responded to my request and verified that the account was a result of Identity theft and had to force Equifax to remove this account. There are still 2 fraudulent XXXX accounts that Equifax has refused to delete under the fairs credit act. If Equifax continues to violate my rights under The Fair Credit Act. I WILL FILE A LAW SUIT AGAINST EQUIFAX for DAMAGES FOR A NEGLIGENT VIOLATION if this matter isn't resolved correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Professional Recovery Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they never responded but keep verifying the alleged debt with XXXX. Also, this alledged unknown debt has passed the Florida Statute Section 95.11 limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Advanced Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company in writing on XX/XX/XXXX to validate this debt by providing evidence that this debt belongs to me. I requested a signed contractual agreement from this company showing that I agreed to pay them and instead they provided me a statement from XXXX FL XXXX XXXX. This statement does not prove that this is my debt nor is it a form of validation. Also, this alledged debt has passed the Florida XXXX XXXX XXXX limitations to collect on an unknown debt. Based on my credit report, this debt was assigned back in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation