BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. Loan # XXXX, Tax Parcel # XXXX. Has filed a claimed against a Loan in the lower courts in the State of Delaware under the name of XXXX XXXX. XXXX XXXX allegedly sold the note to Ocwen Loan Servicing, a debt collector. Ocwen Loan Servicing is refusing to help the next of kin or Transfer the Deed to the heir of the property. Thus, not allowing the Personal Representative to be able to obtain a modification and pay on the property that the family wants to keep. XXXX XXXX  has hired an aggressive attorney in the State of Delaware to foreclose and Owcen is playing a lot of games. Ocwen refuses to tell the family how they obtain the loan? when did they obtain the loan? What was the balance when transferred? how much was paid on the loan when the deceased was living?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Chase changed my card without my authorization forcing me to lose points and a XXXX travel credit I want them to compensate XXXX point for my timr How can they arbitrarily open my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I have contacted Equifax several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Equifax has had several glitches which is where the mix up with these accounts came from being on my credit report. DO NOT REPLY WITH A GENERAL MESSAGE. THIS IS A REAL ISSUE AND NEED TO BE TAKEN CARE OF ASAP. 

Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: GA
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 have recently reviewed my credit report and I found several hard inquiries on my credit report that i do not recognize, without my knowledge, without my consent, and that I did not authorize. I would like for these hard inquiries to be removed and deleted immediately from my credit report thank you. These inquiries that I did not authorize are hurting my credit terribly. 

XX/XX/2022 XXXX 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 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  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 or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than seven years 15 U.S.. 1681S-2 ( AX1 ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: IL
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 the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously contacted XXXX XXXX through CFPB back in XXXX, they stated they needed 60 days to research. In XXXX of this year, they stated after the completed their investigation that the erroneous information would be removed from my credit file. It has been almost a month and this information still remains on my credit file and they have not removed the items as promised in a previous CPFB case ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX with whom I pay my car note through, I have contacted XXXX XXXXXXXX in reference to 2 credit cards, and I have contacted XXXXXXXX XXXX for my 3rd credit cards and all 3 creditors have advised me that information was sent over to all 3 credit bureaus to update my file to reflect what should be current. I reached out to Transunion about this and initially the representative stated he would file a dispute because they haven't received anything. I told him I didn't need a dispute and that it sounded like a glitch on their end with updating my file. There is no way 3 creditors would tell me the same thing and when I go check my XXXX and XXXX report it is showing updated for my 3 credit cards and my car note for what I have paid most recently. Then the representative stated he would place a comment on my credit file and I told the representative I am not giving anyone permission to place a note on my credit report when all Transunion needs to do is find out why they haven't updated my credit report to reflect what is accurate. It was after the fact I told the representative that I was filing a complaint that he stated they would look into the situation further. Please require Transunion to investigate what their issue is.

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 2019-02-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello This is regarding my Best Buy credit card, back in XX/XX/XXXXXXXX and XX/XX/XXXX and XX/XX/XXXX, they stated in my report that Ive missed payment due to not having funds in my account, but the issue was not noticeable by me and I Never revived a bill saying I have missed a payment at that time. On top of that my main account source where I was doing payment had closed with out me noticing kind of went thru hardship for a moment with out any notic that I was late on payment thinking that it was done automatic, so I contacted the credit company and they promised to fix the issue and remove the late payment marks witch never happened. As you see Ive never missed a payment ever since or before that. And Im so upset due to the fact they gave me their word to fix and help me remove isssue and didnt. What should I do please help me with this issue thanks.

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 2021-05-24
Company: TrueAccord Corp.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A relative of mine received an email from this company ( trueaccord.com ) indicating they were " working with XXXX XXXX '' to resolve a debt. Since this contact was made thru email, several privacy violations occurred including providing my name, personal address, account number ending, date of origination as well as date of default. I have settled this debt already and believe this company is fishing for debt that is no longer valid. I have reached out to this company with no response multiple times and informed that my personal information, including an account number created by trueaccord was provided to someone other than myself. I plan to take legal action if this issue can not be resolved. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ford Motor credit reported that I was 30 to 59 days late ( in XXXX of XXXX ) with payment of a new vehicle lease opened on XX/XX/XXXX, XXXX. 
Ford Motor Credit failed to send me an Invoice statement for the months of XXXX & XX/XX/XXXX. ( I did not think it was unusual to not receive the invoices as, the last 2 leases I had with them were opened on XX/XX/XXXX and were invoiced until XX/XX/XXXX ). 
When Ford Motor Credit finally did contact me ( on XX/XX/XXXX XXXX, I made both XXXX and XX/XX/XXXX payment that day. 
Additionally, Ford Motor Credit has reported that I would not give my address and has reported a false phone for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
The State of Iowa has an inferior system for people to apply for unemployment benefits. They do NOT require two-factor authentication or validation that the individual applying for benefits is truly who they claim to be. 

Additionally, prior to complete approval and validation, the state of Iowa contracts with US Bank to automatically issue a Reliacard on behalf of the fraudster. In this case, both the state of Iowa and US Bank are responsible for issuing a card for an account/individual who used my information WITHOUT confirming that it was in fact me AND AFTER I had spoken with a fraud investigator with the state of Iowa. 

Additionally, US Bank 's phone number listed on the Reliacard does NOT handle any complaints or fraud issues, despite their website stating it does. Additionally, US Bank offers NO automated prompt to find a live individual, instead requires that you input already breached or inaccurate data to discuss. 

Finally, only through their website, does US Bank allow the victim ( me ) to submit a claim to close the invalidly issued card and sends NO confirmation that said card and account have been closed. Likewise, there is not remediation with US Bank to ensure they will NOT act in a similar fashion at the behest of the State of Iowa, should someone once again attempt to use my data to receive unemployment benefits.

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 2021-04-07
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX payment was credited one day late, and I was charged a {$29.00} late fee and {$53.00} in interest. I mailed a dispute letter to the company on XX/XX/2021. I disputed the charges because I had ordered my payment on time from my bank by ACH as usual, but the credit card issuer refused to accept ACH payment, so the bank had to send a check. This sudden change in terms caused the late payment. Despite my dispute, I paid the ENTIRE balance due on that statement. I never received response to my XX/XX/XXXX letter. Despite my payment of the ENTIRE XXXX statement balance, credited four days prior to the next due date, my XXXX statement included an unexplained additional charge of {$25.00} in interest. I wrote again to the company in a letter posted on XX/XX/XXXX and have again received no response. I paid the balance due on my XXXX statement, deducting only the {$25.00} in interest. Now I have received my XXXX statement, on which I again have been charged {$13.00} in interest without explanation or response of any kind to my letters. My account is not in arrears, and I dispute both the original {$29.00} late fee and the subsequent interest charges.

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 2017-09-19
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Without notice, explanation, or consent, FedLoan Servicing placed my loan into forbearance status. It then unlawfully added capitalized interest that was not owed to my principal balance without notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Reverse Mortgage Solutions, Inc.
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mother had a reverse mortgage on her home. She died, XX/XX/2019. Today will be one month from her death. I went to pick up mother mail and found a letter for requesting I contact them within 30 day. I just got the letter and it has not been 30 day. Yet, they have taken passion of the, change the locks and took some of the expensive items out of the house. Do the Reverse mortgage have the right to take my mom home without court notification? 

A notice posted and the date on the notices was XX/XX/2019. They went into packed boxes and took what they wanted. They set something to side, as if they were coming back to pick them up. I was in process of packing my mom items with boxed of stuff in the boxes. I would think, they would have call me since, I am her only child. The have all my information. 

There was someone still staying, so was lock out. I had been paying the taxes, Power, and insurance on property until I can get me a loan to buy my mom home. Should have the opportunity to sell my mother home or buy, but the reverse mortgage has taken over the property. What can I do? I just purchase carpet for the living and bed rooms. 

Also, she had a credit balance XXXX in XXXX, yet today I check and see that have been withdraw to pay on the home and there is a balance XXXX. What are my rights as her only child? I am willing to get a loan on because the city assessment is over XXXX and or get the house ready for sale, but that right has been taken away from me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX. However, I have not been able to get them on the phone. I want to buy and sell my mother and some from XXXX XXXX XXXX XXXX has taken position of the property. Can they perform an eviction without a Court Order and no formal posting? The letter was dated XX/XX/XXXX and I just got it. XXXX XXXX can be reached at XXXX XXXX. Please help. 


Company managing her money XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Simply providing me with the policy number, policy dates and balanced owed is not adequate validation. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

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 2019-08-17
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
OnXX/XX/2017 I paid $XXXX toward my vehicle lease to Mazda Capital Services; however, they refuse to report this to the credit bureaus.  The amount of          $XXXX is still being reflected despite my numerous attempts to have this resolved.           I do receive a monthly statement from them indicating a negative balance.  Their refusal to correct this matter has put me in a higher debt to income ratio and it's preventing me from obtaining a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The family has had extreme hardship including the XXXX of a very young son and numerous illnesses. The attorney that was mentioned before collected the mortgage payments from the family for almost 5 years with the promise that he would get them a cheaper mortgage payment and save their home from foreclosure or any other negative situation. We paid him {$1500.00} to start and then he requested {$1900.00} our mortgage payment each month for five years. Each time he assured us that he was working with the bank and we were going to be very pleased with the results. In XX/XX/XXXX he came to our home picked up the mortgage payment that we thought he was paying to the bank. We called him and there was no answer. He disappeared with no way to contact him. WE reported him to the DA nothing happened we paid him all of the payments we thought were going to the bank. When we contacted the bank they refused to work with us.A friend recommended women to us who we paid {$5500.00}. to help us and still nothing. 

We have monies saved to pay a sizable down payment and payments to be considered for a loan workout..Please help us save our home. We are now working with a not for profit and we are not getting good help from Carrington Mortgage. At this point they are not giving us much hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving emails for over a year now from a company called TRUE ACCORD ( trueaccord.com ) which seems like a debt collections company. They tell me I have a XXXX  balance due and if I dont pay it, it will be reported on my credit. 

I reached out to XXXX  because this was something I was very unaware of, and they looked into my account and said that 1. I have never had a balance due and 2. They dont use any collection companies to collect debt. I have emails as proof. 

I am not reporting this for me, but for the other thousands of people who must be receiving these emails during an economic financial crisis, and are getting scammed into paying these bills they can not afford in fear of their credit being lowered. 

Please do your best to fix this.

Company response to consumer: Closed with explanation