BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Monday, XX/XX/2022 : I received a notice of insurance cancelation from my property insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This cancelation notice and the accompanying Billing Notice are enclosed. Because I did not check my mail until XXXX, I was not able to call my local agent. 

Tuesday, XX/XX/2022 : I called my XXXX XXXX agent, XXXX XXXX, and confirmed that my policy had been canceled due to nonpayment by the mortgagee effective XX/XX/2022. 
XXXX EST : I called PHH Mortgage and informed them of cancelation. My agents name and policy number was taken and the agent said that she would resolve the issue and call me back. 

I called my agent again and advised him that PHH was going to reach out and that if my account status had not changed by XXXX, to please call me so that I could escalate. 

XXXX EST : After XXXX XXXX called and let me know that my insurance still had not had a payment applied, I called back ad escalated it again. At this time, I was told that PHH would overnight a payment to reinstate my insurance. I asked for clarification of that and was told that a check would be cut on the NEXT business day and then would be sent to XXXX XXXX via XXXX overnight. I asked to speak to a supervisor to understand what had happened to allow my insurance to lapse and was told I would be called back by one. As of the date of this letter, I have received no further communication from PHH Mortgage. 

Because I was without homeowners insurance from XX/XX/XXXX through that date and was told that I would remain without insurance until XX/XX/XXXX, I made the decision to call XXXX XXXX directly to make a payment of one months premium to reinstate my coverage. 

I have a pool and live in XXXX XXXX where we have entered hurricane season- we have had a tropical storm during the window of time that I was without insurance. PHH Mortgage is contractually obligated to pay my property insurance and to keep it in good standing, per the mortgage agreement and the monthly charges for escrowed funds to do so. Had an accident occurred at my property during the three weeks I was without coverage, the property or our financial wellbeing could have been put in jeopardy. Both XXXX XXXX and PHH Mortgage had the correct information for my mortgage company and for my property insurance on file at the time this event occurred. 

I would like to file this complaint against PHH Mortgage so that their processes and systems be evaluated and events like this are avoided in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX i also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reported identity theft to JC Penneys Synchrony bank and filed a police report. JC Penney told me they wold take care of it then when I called back hung up on me. I never received the merchandise and cell phone numbers other than mine were attached to it. I have talked to Synchrony Bank to no avail. I have had the credit card since XX/XX/XXXX with no issues until now. This is damaging my credit and I have XXXX and reported it to them! Do not trust J C Penney if you are ever the victim of identity theft or do not receive an order! My packges were signed for by someone else! They do not care!

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 2023-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXX AV XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number 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 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
After moving NY to XXXX XXXX and later in XXXX my information was used by others. Please find the attachment and let me open my account urgently. I came to XXXX for a new XXXX and back by XXXX 2023 to XXXX. I need account for my basis pay check.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry.

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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this..

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 2023-08-24
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to school from XX/XX/XXXX -- XX/XX/XXXX. I went to XXXX school at XXXX XXXX in XXXX. The school cost was 11,000ish, and after the grants we was to repay 6000ish back.It was a 10 year loan. We started making payments in XXXX to sallie mae. We have never been delinquent, but we have had a financial hardships. We have had 6 months forbearance a few times through out the loan. I believe it was in XXXX navient took over the loan. So I was trying to talk to navient, and they kept referring to the loan starting in XXXX. I have tried to tell them over and over, no this loan started in XXXX. My records indicate that I have paid XXXX towards this loan. Navient says I have paid 12,000ish just since I have been with Navient. That is not including what I have paid Sallie Mae. I have asked them to squash this loan. I have paid XXXX for a XXXX student loan!!! Oh it gets better, they say I still owe XXXX on the loan!! You have got to be kidding me! they want me to continue paying my XXXX until EVER!!! When its all said and done, even if I had the XXXX in cash to pay now. I would have paid {$23000.00}. Thats if I paid it off now, and I cant. So if I continue, your are talking about $ 30000ish for a {$6000.00}!! i am the sole provider to XXXX children!! I now own my own business and 5 of those XXXX children no longer live at home! This is simply unjust! I have asked for all the original records and pay history, and no one knows where it is! I wont stop until I get answers and this loan forgiven!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 non-monetary relief
Consumer complaint received 2019-04-14
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Avant Credit Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/ I applied for a loan with Avant ( also earlier in the year ) and they continue denying my loans stating they can not verify my identity. I am XXXX years old and have had credit forever. I have talked to vast employees, managers and emailed their fraud department with no resolution. They continuously give me the exact same reason, unable to verify identity and refuse to work with me to resolve. This is not a fair practice as I work in the industry of credit at a mortgage company and have for years. We contact borrowers to provide documentation in this case. Not just deny the loan for a bogus reason. I want help in stopping this practice with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2022, my monthly private student loan payment was due. The student loan servicer is Navient and the payment due was {$770.00}. Unfortunately, I forgot about it and did not make the payment at that time. On XX/XX/2022, Navient called me at XXXX am, XXXX am, and XXXX am. I answered the call made at XXXX, but the caller hung up on me. I immediately called them back to figure out who had been calling me all morning, only to find out it was Navient, calling me about the 6 day late payment. When speaking with the Navient representative, I was told they ( Navient representatives ) are authorized by Navient to call people every hour to ask for payment, which is what they were trying to do to me. I told them to stop calling me and that I believe hourly calls to be a violation of FDCPA and WI 427.104 ( 1 ) ( g ) - communications and collection efforts made with the intent to harass the debtor. I believe it is also improper to call and hang up upon the debtor answering the phone without identification, as they did during the XXXX am call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions Inc.
State: TN
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 bureaus are allowing fraudulent accounts to remain on my report in spite of me filing complaints with he FTC and submitting a police report of identity theft. They are allowing negligent enablement of identity theft and violating multiple FCRA laws.

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 2023-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I lost my mobile phone and number back in XXXX, XXXX, and since that time haven't been able to login and access my accounts at Pentagon Federal Credit Union. 
Suffice it to say that I have done everything I could to remedy the situation, but I can not say the same for PenFed. 
I recently decided to close my accounts there and once again have the same issue with PenFed. They insist on me providing them a copy of a phone bill/utility bill, in addition to my driver 's license and SScard. 
Is not a driver 's license and SScard enough for identity and address validation?? 
They should know I'm 100 % VA XXXX compensated since I was having my VA checks direct deposited there! 
I have other accounts at other banks and have been able to login and access my accounts at other banks. 
PenFed is the only one that has caused me to no longer wish to be a member of their credit union, period! 
I have several emails confirming this if necessary, even from the XXXX 's office.

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 2018-11-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amount {$670.00} XXXX XXXX debt ( XXXX ) is trying to have me pay the amount not owed by me. 

I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again. 

Please investigate as i already paid this to XXXX XXXX and was settled in XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-14
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is a second dispute concerning issues of addresses that are not mines. I have had my personal ID and SS # compromised. The listed address were used for fraudulent activities and I do not wish to have my name associated with the following addresses:XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX. I do not live at these addresses my personal information has been sent to these address because they are on file in your database and it is not correct. It maybe some relative or family member.

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 2021-07-11
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims I owe {$3400.00} to Truist Bank which I believe to be Suntrust Bank, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with Suntrust closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX XXXX has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. XXXX XXXX XXXX is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX  XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.

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