BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-25
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Experian I contacted XXXX in house recovery and they said in a recorded phone conversation they have no way of showing how this alleged account was paid only that it states paid I requested that they give me a copy of the document from the bank to show evidence they stated they have none and put me in contact with fraud department who also could not show any type of proof it was paid or how { no documentationof fact }, they stated in the recorded phone that they do not keep any records of transactions just report paid that is not validation { hearsay } remove this fraudulent account or you Experian show the show the transaction to and from back that they clearly can not show, again this is reaging of a alleged contract I even when as far as to talk to a supervisor who had no documentation of fact just that it stated paid. by them recording I can use it in a court of law if needed to. but you are reporting false information that can not be validated with documentation I NEVER PAID ANYTHING TO XXXX AND THIS IS OVER & 7 1/2 years old its time to put up the documents i requested from bank transaction showing payment and name or remove this account you are validating with no evidence FCRA,

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 2018-03-20
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Why is the CFPB inept at handling complaints against OCWEN? I am being forced to sign a modification in which I lose over $ 50k in equity - despite taking OCWEN to US District Court, our family does not have the resources to continue the effort so we have to settle! Where is CFPB in all of this?!? I have filed several complaints and have heard NOTHING.

OCWEN has violated our rights under nearly every piece of legislation out there including my protections while XXXX as a XXXX XXXX in a XXXX XXXX and their agreement with the 50 states. 

We can show that we made every payment early or on time, many times in excess of the amount owed. Despite this OCWEN has reported us late many times, including times that XXXX serviced the loan! 

OCWEN foreclosed on us TWICE concurrent with their own proffered modification process- in one case congratulating us for earning a modification and foreclosing on us ON THE SAME DAY!

After taking them to US District Court in Colorado they offered us another modification as a settlement. This modification seeks more money than we owed IN 2005. 

So- the wrecked our credit, cost us thousands in fees and damages credit, ruined our lives and our health, and CFPB does nothing. We really need your help NOW. We have ALL the proof, we can show their illegal and unethical practices using their own paperwork ... and weve done everything we can to bring these scoundrels to your attention and that of the State District Attorney.

But it doesnt matter if yall sit on your backsides and watch my family lose everything. Shame on you and XXXX your ineffective methods. I hope they erect a statue on the site of your building so I can at least have something tangible to look at and give me hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Keynote Consulting, Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I sent a letter to XXXX XXXX XXXX on XX/XX/2020 letting them know I was vacating their property " XXXX XXXX  '' in XXXX, Il. I told them that, per Chicago Rental Law, once they successfully attempted, and did rent the apartment to let me know the appropriate amount that was due and I would pay them. 

XXXX XXXX XXXX did not ever attempt to mitigate the damages and relet the apartment. I have submitted a complain on here before and which they replied by saying they did, however I have proof of their property manage " XXXX XXXX '' emailing me all the way in XX/XX/2020 saying I can not just leave the property and I need to " reread the lease. '' He, and his company, directly violated Chicago Rental Law.

I then asked Mr. XXXX multiple times to have all further communication go through the mail and he continuously emailed me, harassing me over 60 days after I moved out instead of attempting to mitigate the damages.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am seeking help to whoever can help me with my credit problem, There are several items on my report that I don't have knowledge of and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is a violation of the consumer rights. Please delete those negative items so i dont have to spend for taking legal action. TY

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 2021-05-27
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Credence resource management continues to call and ask for someone that i do not know. I have repeatedly told them that they have the wrong number and I do not know anyone named XXXX something. They call multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I attempted to open up a checking account at XXXX XXXX XXXX in XXXX, CA. At that time my application was denied. I researched that they use the consumer reporting agent XXXX XXXX at XXXX. I was given instructions on how to receive a copy of my consumer credit report and I followed up by sending Bank of America an official letter with information of how they put a remark on my report - Account Fraud- that was keeping me from opening up a checking account. I then received a rejection letter from Bank of America, saying that there is no chance of changing my record. I then went to XXXX XXXX and have been told to write a rebuttal to attach to my consumer credit report but the end result after months of corresponding with machines, I can't get any human to look into this and see that I was the victim of being given a counterfeit check. I deposited it into my account and never withdrew funds from it. I waited for the check to clear and was later sent an NSF notice for the funds. To make matters worse, since this incident, a checking account I had with XXXX for over 20 years was closed and then most recently closed a credit card that I had opened 4 months ago. Please help me as I need not only to open a checking and savings account, I need to get a safety deposit box as well. 

Thank you. 

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 explanation
Consumer complaint received 2020-05-04
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
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 several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted 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 explanation
Consumer complaint received 2021-09-13
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX ( XXXX ) XXXX This phone number called me at least twice a day every single day for the last two weeks. They claimed that they were collecting a debt of {$140.00} that I had outstanding with XXXX XXXX. I hung up and contacted XXXX  directly and they said that I have no outstanding balance owed, nor have they contacted any debt collector regarding my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF THE WEST
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband got sick and has n't been able to work since XX/XX/XXXX. We went to the bank about our mortgage within a month of this. We have been in contact with them many times since. We have fallen behind many times since because we have had many issues with the XXXX XXXX XXXX XXXX in getting his sick pay and his XXXX. His sick pay would be held from 4-8 weeks at a time. When we did get a check we paid the note up to date. We even borrowed XXXX from relatives to catch it up and no matter what we have paid on the loan it just keeps going up instead of down. In XX/XX/XXXX we owed XXXX. on the loan now it is at XXXX. for payoff. We have tried to pay but no matter what we pay it does n't go down. W have contacted the Bank over and over and all they tell us is we are going to foreclose. We have tried to request a refinance and modulations at least 6 times since XX/XX/XXXX and have been turned down. We have decided to just sell and take what we can and move to an area that we could live easier. The Bank has put the house in for-closer as soon as we put it on the market. So we ca n't get any equity out of the home to start over. The Bank Of the West in Nebraska will not tell us when we have to get out or anything they just want us to pay the XXXX or else. We do n't know what to do. My husband is a veteran and worked for the XXXX for 23 years. I hope you can help. We make payments and it is never accounted to our bill and when we talk to them they change the rules every time.

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 2021-09-13
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off Wayfair in XXXX of XXXX. I received a bill in XXXX of XXXX  for fees because the last payment was a day late. Those fees were dropped. I may have gotten a bill in XXXX but ignored it because the debt was paid off. 
I got another bill in XXXX and thought is was a hoax so I emailed XXXX XXXX XXXX on XX/XX/XXXX. I also called and was told, once again, the fees were dropped. I just received another statement from them. 
Once I contact them, they speak to a Supervisor and the charges are dropped. 
Since XXXX I've gotten a monthly text/email from Comenity/Wayfair. 
I called the number on a text I received on XX/XX/2021 and was told again that the charge was cleared on my account and that I would received an email confirmation. Instead, I got a monthly statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan modification was to be completed XX/XX/2021. Company put incorrect interest rate. restarted modification. Loan was sold to a new party. Loan modification not completed. Credit report was hit as they moved all my payments to a separate loan for the new loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: IL
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:
Between mid-XX/XX/XXXXand XX/XX/XXXX, my name, Social Security number, birth date, and address was released by Equifax to an unauthorized third party. This was the result of Equifax 's negligence : XXXX XXXX disclosed a vulnerability and released a patch for it in XX/XX/XXXX, which Equifax did not apply. 

Once released on the internet, my information can never taken back ; for the rest of my life I will be at a higher risk of identity theft, and I will likely have to pay for credit report freezes and and additional monitoring products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called Experian numerous times and t

he credit score is not updating with current credit information. It appears to be possibly an identity issue. I have even been told I was listed as deceased. When I open new accounts, they never show up on reports ( approx 9 years ).

I have been in a loop of making requests, being told various stories, but the issue is never resolved. Any creditors that require a credit pull from Experian will not service my needs. 

When I apply for credit and the creditor pulls from Experian, the inquiry shows up, but the credit account once opened never reports.

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 2021-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I apply for XXXX credit card and they forgot to call me according the federal law and I called on XX/XX/XXXX to check the status on my application and I was told to send in a full bank statements three months worth tons of pages and cause more money out of my pockets if I was to do this then well fargo need to reimburse me this is too expensive and sending fax can cost me a fortune and I cant afford that would like another verification instead of sending tons of paper to the bank

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 2019-04-25
Company: Forest Recovery Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Forest Recovery Svcs just reported a {$1200.00} debt on my credit report. Prior to the appearance of this account on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE DISPUTE WAS NEVER LISTED AS A DISPUTED ACCOUNT OR REMOVED 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 explanation
Consumer complaint received 2017-11-28
Company: DISCOVER BANK
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they are calling because i did not pay XX/XX/XXXX payment. i understand if they call my cell phone, but they do n't need to harass me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Back in XX/XX/XXXX a store card for a macys  credit card was opened in my name. I have disputed this account several times with the merchant and also with the Credit bureaus. This account was charged off back in XX/XX/XXXX. However even though this account was charged off and is set to come off of my credit report XX/XX/XXXX. Macys still continue to report monthly late payments on this account. When this account was charge off this account should no longer be reporting monthly. This account was last reported this month XX/XX/XXXX. When I go to apply for something it looks as if I have recent late payments with this account. I have reached out to macys regarding this asking if they can send me a letter when this account was paid which was in XX/XX/XXXX. The rep told me that they will only be able to send a letter saying it was paid but not with a date because they are not allowed to do so which I find that hard to believe. when I contacted the credit bureaus regarding this issue also I was told that I need a letter from macys  when this account was paid in order for them to stop reporting monthly. Every month I get a new update from macys on my credit saying late payment which should not still be affecting my score when it has been 6 years and as mentioned this account is due to come off XX/XX/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 explanation
Consumer complaint received 2018-12-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX  multiple letters to verify this account and I never received proof or a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with First Tech Federal Credit Union on a referral invitation from a family member. The referral provided me an opportunity to earn {$50.00} bonus if I deposited {$250.00} new funds into the account within 30 days of account opening. I opened the account and deposited the necessary funds, but First Tech is not honoring its bonus promise on technical grounds, stating that I transferred the money the same day of deposit, this was not mentioned anywhere in the promotion that money needed to be in the account for certain period of time. I called First Tech customer service numerous times and I was initially not told about this technical issue. Only after 30 days passed, they informed me I would not get the bonus. I feel like this is deceptive marketing and has completely wasted about 6 hours of my time. The agents were either poorly trained or withholding information purposely.

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