BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 PHH Mortgage communicated to CFPB and myself that they had not received my payment ( see attached ) I also received correspondence from PHH mortgage with a copy of my check, also dated XX/XX/2019 that my payment for {$2200.00} was received but will not be credited to my account. ( See attached ) and the check would be destroyed. 

PHH began collection calls and threats of foreclosure on XX/XX/2019. Even though I communicated and offered proof of payment sent by Priority Mail on XX/XX/2019. They refused my offer to rectify the situation by making the payment with their Representative over the telephone without a fee and the option to stop payment on my {$22000.00} they claim was not received. 

I repeatedly emailed and called ( with extreme hold times, transfers, and disconnects ) asking if someone could take my {$2200.00} payment over the telephone, to no avail, I was declined. They demanded, I pay almost {$7000.00} or face foreclosure, because my short-term payment plan was null and void, since my payment had not been received. 

I only had 2 payments left to make on my short-term repayment plan. Now they have added additional charges, late fees, and assessed expenses.

Ive had over {$780.00} in my Suspense Account with PHH Mortgage, which they have refused my request to use my own funds to offset my payments. 

Each time Ive made a payment, I have been charged. One month I made 2 payments and was charged twice. 

Their letter stated I can apply for a reinstatement quote, however, its not free and actually quite expensive. 

PHH Mortgage stated that they never received my check, when the check was actually received. Refused to allow me to make payment to remedy the situation. Threatened me with letters and telephone calls to foreclose.

This is exactly what happened during my initial short-term repayment plan that was initiated with Ocwen and then sold to PHH Mortgage. Ive paid for 2 short-term payment plans, which I have not been able to pay off, due to PHH Mortgage mistakes.

I want to note that during one of my telephone calls to PHH, I told the Representatives ( I spoke to 2 ), that the information they are discussing was not my account. And they argued with me and refused to believe me. I was spoken to like a kid who didnt know about my mortgage, and the information from another customers account was forced on me to listen to. I kept telling them, that is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I mailed out a letter to Experian regarding my credit report. I have requested for validation and for them to provide me with original contracts of the accounts I wanted investigated. I sent out my first letter XX/XX/2021, they acknowledged my letter was received on XX/XX/2021. They never sent anything that I requested instead the updated the accounts. I sent a follow up letter on XXXX XXXX requesting their method of verification. They acknowledged that they received my letters on XX/XX/XXXX and on XX/XX/XXXX, they sent me an email stating my disputes were complete. They did not provide me with what I requested and they resolved my dispute in only a few days, how could they have verified in such short notice. Would you be able to help me

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 2017-07-26
Company: Colony Brands, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX Several times. This is not my loan. The address they have on file is for a shopping mall not my home. I have never lived in that town. I want this fraudulent loan removed from my credit report asap.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. 

To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. 

In my letter I requested the following : 1 ) Update my current address 2 ) Remove my previous address 3 ) Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I got emails to my work email account congratulating me on my new credit card that I did not apply for with XXXX, XXXX and Comenity Capitol. I contacted each lender, some have been more helpful than others. All have cancelled the accounts and applications, removed hard inquiries on my credit report and reported fraud but one, Comentiy. Put a freeze and fraud alters with all three credit reporting agencies, called my existing credit card companies, banks, and local police department. I plan on contacting the IRS, DMV and social security offices to help protect myself from future fraud. Not sure what else I can do to protect my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX accounts # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-12-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wakefield and Associates- a debt collection agency - contacted me by TEXT MESSAGE. telling me no information about what the debt was. I never received a phone call, or an email, or a paper statement in the mail. Nothing. I have no idea what this debt is. I thought the text they sent was just a scam. Until this debt showed up on my credit report at XXXX XXXX. These are shady business tactics. Very poor communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account using my name, social security #, address and phone number. This account was opened at Synovus bank, i was notified by the bank and have received a statement in the mail. 

I do not know this person and am concerned of other fraudulent actions that maybe taken. 
Documents can be provided as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX My brother XXXX XXXX XXXX, ( borrower ) bought home : XXXX XXXX XXXX XXXX NJ XXXX, his wife at the time : XXXX XXXX ( co-borrower ) aka ) XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  XXXX whom had also used my name : XXXX XXXX/XXXX XXXX through HUD ( XXXX XXXX program ) XX/XX/XXXX The 2 divorced in XXXX County NJ. My brother sold ( I was told ) XXXX the home for 1 . XXXX added a hand written clause to the divorce documents, stating XXXX to refinance home solely & only in her name within a reasonable amount of time. She failed to do so. XXXX filed Deed to XXXX NJ XXXX, then refinanced using my brothers name as borrower. Agreements were done through mail & phone calls. 
XX/XX/XXXX My brother passed from XXXX  XXXX. 
XXXX XXXX XXXX  sent a letter to my son to contact them regarding XXXX XXXX  in XXXX XXXX. ( back in XXXX the 2 companies merged for a 1st time homeowners deal ) XX/XX/XXXX XXXX passed from XXXX  XXXX XXXX. Her husband XXXX XXXX XXXX, stated the home was now his. knowing & depriving heirs of information ( some of this is mentioned above ). He & his brother n law XXXX  XXXX began what I believe is fraudulent acts. 
XX/XX/XXXX The 2 had an assessment done on the home, stating ownership through XXXX & lied, stating no one lived there. Recently I found that plans are to sell so property can be used for project : XXXX XXXX. The 2 took over XXXX 's XXXX XXXX   Account, then the 2 opened a joint account, & XXXX opened 1 for himself there, as well as an account with XXXX XXXX. 

I think I am, as well as other heirs are being prevented from any knowledge of rights to ownership of home, I believe I have & am continually being prevented from : financial resources, mail, transportation, as well as medical services. I don't want to believe this may be happening, due to fact, this is family, people I love & I am suppose to trust. I became very ill after XXXX passed & have applied for XXXX. Personal documents have vanished, indirect threats have been made, & I found that t am a victim of Identity theft, ( documents : XXXX XXXX  receipts/XXXX who used to located in XXXX NJ/XXXX County court record ) fromXXXX & recently mail suggesting I had requested information pertaining to myself. I am a Successor of Interest to said property as my brother had XXXX child, who passed of XXXX XXXX, & no other  children. I live in the house with XXXX XXXX, who was paying my brothers mortgage, ( delinquently ), & he legally is unable to have home trabnsferred ). He claims executor to XXXX Estate, bypassing Probate. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: CA
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 credit agencies : XXXX, Equifax, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX Management : Rise of California is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXThis loan was paid off. Reinvestigate and erase please.

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 2023-09-03
Company: NCB Management Services 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:
According to the Fair Credit reporting ACT 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial system has an affirmative and continuing obligation to protect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agency is a financial institution by definition under title 15 USC 1681 section 604 section 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructionsof the consumer to whom it relates. '' Furnisher of information to credit agency the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information or my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agency whether it be verbal, nonverbal, written, implied, or revoked is USC 6802 ( b ) ( c ) states that " a financial institution may not disclose non-public personal information to a non affiliated third party unless -- the consumer is given of explanation of how the consumer that nondisclosure option. Furnisher of information to credit agency never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( d ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. code 168s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: PA
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 am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax violated my rights a numerous amount of times. I demand the inquiries and accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

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 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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit agencies : TransUnion, XXXX, and XXXX These 3 Credit bureaus have allowed the Debt Collectors to " RE-AGE '' collection accounts on my credit reports. The debt collectors : XXXX XXXXXXXX XXXX XXXX XXXX XXXX is the Original Creditor. XXXX XXXX : XXXX XXXX is the original creditor. 

These collection accounts should have been removed from my credit reports in 2021. I've reached out to all three agencies and none of them provided evidence to the contrary. Yet the collection accounts remain on my report, after 7 years, re-aged, affecting my credit and cost of 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 non-monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, 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:
The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status..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 2022-12-09
Company: Experian Information Solutions 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:
The bank is showing two months on my credit report that are 30 days past due. Months XX/XX/2022 and XX/XX/2022. I did not make that payment past the due date according to my signed loan contract. My due date is on the XXXX of every month. Those months I paid on the XXXX of the month. I paid on the XXXX which is the XXXX day not the XXXX day or after the XXXX day. This is not in alignment with the Federal Credit Reporting Act. In accordance with FCRA - consumers have between XXXX day AFTER the DUE DATE before their credit report can reflect a payment of past due over 30-days. 

A payment becomes a reportable 30-late to a CRA once it is 30 days past the billing due date. There is thus a period of 30 days where an account is late, and thus subject to late fees, etc., under the account agreement, but not yet a reportable 30-late. That is clearly set forth in the standard CRA reporting manual.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2022-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX  account # ending XXXX is reporting to XXXX and Equifax. I disputed this account through XXXX on XX/XX/22. XXXX has failed to record the current status of the disputed information on my credit file. This is a violation under the FCRA under 15usc 1681i. Due to the violation of the FCRA I want the account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed with you earlier about Chrysler Capital reprocessing my car due to system adding me to a repo list and I owed 4 months which I sent XXXX a copy of 17 straight payments which the email was wrong. I paid over XXXX and picked up my car. Balance XXXX. XX/XX/XXXX received a letter stating I owed {$810.00} due XX/XX/XXXX. Called XXXX at Chrysler and stated it will be corrected. A call from XXXX XX/XX/XXXX from collection stated the system put me in collections and I been there for 21 days but after arguing she apologized and said I owed nothing. Today, XX/XX/XXXX I get a letter stating I owe XXXX. I'm tired of being harassed by this company. XXXX, XXXX XXXX and chrsler stole {$2600.00} which was suppose to be sent back XX/XX/XXXX. This is how they stole my car was repossessed because of the system and they lied and said it doesn't do that but all my payments are up to date until XX/XX/XXXX but the system keep putting me in collections and then luring that the system called me which my recorded conversation stated there was no activity on the line. I want them to stop harrassing me with letters and phone calls.

Company response to consumer: Closed with explanation