BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, I started struggling to pay my mortgage in XX/XX/XXXX. PHH Mortgage offered me an initial payment deferment/loan modification for 11 months in exchange of one monthly payment of {$1000.00}. Please see attachments. The paperwork and process took so long due to language barriers ( I only speak XXXX ) and lack of servicing options that another month went by and another payment became due. PHH Mortgage knew I was now 12 months behind and could only make one payment. That one payment made on XX/XX/XXXX to process the modification was supposed to be applied to the upcoming month of " XX/XX/XXXX '' but PHH posted the payment as a XX/XX/XXXX payment. Therefore, my loan was never brought current as a result of the first modification. Additionally, my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX, and my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX. Mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX have not been paid due to another financial hardship due my wife 's health. I am XXXX and my wife was helping with household expenses pre-COVID, like groceries and utilities, but since XXXX  she has not been able to and the little help from family stopped. We know that starting in XX/XX/XXXX we will be able to get back on our feet and we can start paying our home on time. I just need help getting the loan caught up and any late fees removed. 
I have sent A Request for Mortgage Assistance Application to PHH and am also seeking your help. Their documents are confusing and I am afraid of losing my home. This situation is very stressful, I have to rely on others to help me due to language barrier. I will appreciate whatever help you can extend to move this along to bring my loan current. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: AES/PHEAA
State: FL
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 grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 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 institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 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 2023-03-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Thank you for the opportunity to address the violation to the XXXX XXXXXXXX XXXX XXXX The term, dual-tracking refers to the situation where a mortgage servicer brings a foreclosure action on a home mortgage while a borrowers application for modification of the mortgage is pending. Since the adoption of the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX prohibits dual-tracking. 

We have been very active to contact XXXX and send it all the paper work and documents request. 

The XXXX XXXX was approved. We fill all the documents and send it via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Final Modification Documents XXXX, Wells Fargo Home Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

Still a few days from XXXX they send our only home, ( primary residence ) to foreclosure when we are waiting for the XXXX XXXX. 

Thank you and 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 2023-03-18
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 belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 2021-11-15
Company: RMS-Recovery Management Services, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on RMS-RECOVERY MANAGEMEN ( Original creditor : XXXX XXXX UNIVERSITY ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 Fair Credit Reporting act 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 an 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 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hi, Bank of America has charged my account several times for " Legal Order Fees ''. The fees are more than the amount that was placed on the lien. On more than one occasion, they've drained all the money from account. They charge {$120.00} per legal order fee and refuse to reimburse my account. It's causing me great financial difficulties because of the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My ex and I got divorced in XXXX. On XX/XX/XXXX my ex did a loan modification without my signature. And XXXX XXXX Loans rolled over XXXX into the loan, extended the terms and increased the payments. I did not and would have never agreed to this. I had several phone conversations with them before it was put into place and explained this until the point that they would no longer talk to me. They then sold the Mortgage to XXXX, who in turn sold it to Shellpoint Mortgage Servicing. I has since sent letter to both XXXX and Shellpoint explaining that I have been told by several attorneys that I am not responsible for the additional money rolled into the mortgage or the higher payment, since I didn't sign it, the modification is not binding to me. XXXX tells me that we don't hold the loan we can't do anything. Shellpoint tells me well we didn't do the modification so it's not our fault. In response to my last letter I got a notification from Shellpoint saying XXXX XXXX XXXX  XXXX XXXX XXXX in the Owner of my loan and their address XXXX XXXX XXXX XXXX XXXX, XXXX, DE 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 2023-11-13
Company: EQUIFAX, INC.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: SC
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  acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime had closed my account days ago which I I didnt care about because they got upset I contacted the FDIC and as well corrected them to not call me by my first name. Its either XXXX XXXX or XXXX XXXX since I am a XXXX XXXX XXXX. And as well XXXX XXXX is respectful Im not their friend so anyways I didnt care and as well they are the worst bank. 

But anywho. I got a notification email saying they solved my disputes. One for {$130.00} the other for {$83.00} and {$100.00} my account was in a {$49.00} close to {$50.00} negative balance so I should get a check in the amount of XXXX  or so. 

I emailed them since they dont let you talk to anyone on the Phone as well why I say the worst bank. So I contacted through email and they failed to respond to let me know so I told them its fine I will contact who I need. 

Also I had a dispute for XXXX which I submitted them the evidence Claim ID : XXXX. Now with that they send me an email saying We reopened your claim based on the additional information you provided. We have completed our investigation and determined that an error did occur. 

As a result, credit in the amount of {$75.00} was posted to your account on XX/XX/2021 and in the amount of {$8.00} was posted to your account on XX/XX/2021 and any applicable fee ( s ) have been reversed. The credit is considered permanent and we have closed this dispute case. 

Now that was false because before my account was closed I looked at my transaction history and {$75.00} was never posted on XX/XX/XXXX so they only gave me {$8.00} back which when I say they I mean chime. So chime need to refund the rest of that money because again I know what I seen I followed by the date they said it posted to my account as a refund and it was not there this order was placed XX/XX/XXXX and refunded it same day. A refund takes 3-5 days with so refunded could have posted any where from the 13 to the 15. 16 the latest and again I sent chime my transaction from The XXXX to show there was no credit posted that day for the full XXXX or the XXXX they were claiming and they have the nerve to give me {$8.00} back. So they need to go and fix that and give me my rest of my back then not only will it be the XXXX already on my account but the additional check for XXXX and whatever other dispute they have open to solve then that should conclude or business but other that that they need to find my XXXX check to me and they need to finish that dispute and any other properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX of XXXX, I received a statement from Heartland ECSI requesting {$12000.00} on Perkins loan with the due date on XX/XX/XXXX. I called them and placed the loan into forbearance as I did with all my other federal loans. This statement included one account with XXXX XXXX. At the same time on XX/XX/XXXX, XXXX XXXX requested Tax offset for debts owed to XXXX XXXX to Franchise Tax Board for  {$1000.00}, and in XXXX, I did not get any state tax refunds. 
Now, XXXX XXXX is withholding my transcripts and placed me into default, although, I was supposed to be in forbearance. XXXX XXXX together with Heartland placed me into collection while I was supposed to be in forbearance. When I called to Heartland, they didn't have my account at all. This is a retaliatory action. I found this all out because I applied to XXXX XXXX XXXX XXXX to study XXXX XXXX, and now I can't further my studies due to default issues on my record with XXXX XXXX. They are withholding my graduation, my transcripts and asking for monies that should've been in forbearance. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX SXXXX 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 2023-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor via CFPB Complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am formally requesting that you include the following fraudulent inquiries to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed inquiries belong to me, immediate deletion of the disputed inquiries will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: AZ
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:
i recently got a refinance loan for my car to get lower interest rate shortly after i recieved the loan my credit score dropped 40 points what is up with that???? ive worked hard to keep my good credit score i make all my payment on time from what i have seen on my report i have too many account on my record which is untrue. ihave only to credit cards with a balance of XXXX  dollers ihave acredit balace avaiilable of XXXX due to my credit aat this time i cant get any type of loan. your credit score is large part of your life. im pleading with you to taking action with this problem and give me feed back im very upset

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