BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Dear Sir/Madam, I am writing today to complain of the poor service I received from my mortgage loan servicer Ocwen Loan Servicing, LLC for the past six years. It has been brought to my attention that I have been paying an interest rate of 11 % from XX/XX/XXXX-XX/XX/XXXX. I am writing to you because I am at my wits end with my lender. I applied for a modification in XX/XX/XXXX and was granted. 

Unfortunately, since XX/XX/XXXXI have been going through a financial hardship. My household has lost income from XX/XX/XXXX-XX/XX/XXXX. I am XXXX XXXX, I have been a XXXX XXXX for the past twenty years. I have been re-establishing my business for the past two years. During this time my husband was laid off from his job after working 26 years and I was out of business for two years Recently, I was denied a loan modification. My income has drastically changed for the better. I can now afford my mortgage payment with the help of a modification. 

I am most annoyed with how I have been treated. I personally feel I am a victim of a predatory loan. I appreciate any assistance you can provide in resolving this issue. 

Please feel free to contact me regarding this issue at XXXX Thank you for your time. 
Sincerely, 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 2023-03-17
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:
Fraudulent Accounts On Credit Reports XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$6200.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National credit adjusters, XXXXXXXX XXXX XXXXXXXX XXXX was put on my credit report without me being notified to able to dispute the information. They have listed {$520.00} on my credit report with 0 notification. Opened XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2018, a hard credit inquiry appeared on my XXXX XXXX account. The inquiry was noted to be through a subdivision of XXXX XXXX ( XXXX ). Some investigating revealed that this is PayPal through XXXX XXXX. 

I contacted XXXX XXXX and I was advised that there is no record of anything ( not even an application ). I was advised to contact XXXX  to dispute this. 

I contacted XXXX  and confirmed that there was indeed a hard inquiry on the date in question. XXXX  stated that they needed the date that the application was completed with XXXX XXXX  as well as permission from XXXX XXXX to remove the dispute. I contacted XXXX XXXX and was advised that there was no application but a supervisor would send a letter to XXXX  stating that there is no application and no obvious reason that there should be a hard inquiry on my record. 

This was the first week of XXXX and there has yet to be any resolution. I am reaching out to you to see if there is any way you could assist me with this matter. 

Thank you, 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 2023-10-18
Company: DISCOVER BANK
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a general complaint on interest rates charged by credit cards. Daily I get offers from credit card companies with interest rates in excess of 19 %. These rates are extortion. How can. They justify them when banks are reporting record earnings?

There should be limits on maximum rates linked to an economic metric.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22, my company XXXX XXXX XXXX was debited {$4000.00} by Bank of America and those funds were sent to an unknown individual. I contacted Bank of America on XX/XX/22 to report the fraud. I was told by an employee of Bank of America that my funds would be recovered since the unknown party has an account at Bank of America. 45 days later, Bank of America sent me a letter refusing to refund my funds and to pursue the unknown party. I filed a small claims lawsuit to recover the funds from Bank of America. During mediation of the dispute the Bank of America representative finally gave me the name of the unknown party. He told me to call a department at Bank of America and they would provide the unknown party 's home address so I could file a police report. When I called the number I was told no information would be provided. Today at the small claims hearing the attorney representing Bank of America lied to the judge claiming I never told Bank of America the transaction was fraudulent. That has always been the case and I informed Bank of America in a timely manner of the fraud under Reg E.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Act Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX  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 : Its 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 non-monetary relief
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX, Transunion and XXXX credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.

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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX  # XXXX -XXXX XXXX  # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX  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 2023-03-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i reached out to the mortgage company Penny MAC about a reassessment of the value of my house to have the PMI removed. They told me I had to make a payment for for the reassessment. I went only and changed my pending payment to be sooner and to add the additional amount to this payment. Which was made on XX/XX/XXXX and processed on XX/XX/XXXX. They still charged me on XX/XX/XXXX for my payment that was already paid on XX/XX/XXXX. this caused my account to be over drawn and many fees to get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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:
have previously reached out to Equifax with my concerns. Unfortunately the company 's investigation into this matter was not to my satisfaction. Please be advised that this is causing me financial stress/damages. Equifax 's failure to provide an appropriate legal and lawful response will result in further action. In the event that Equifax fails to provide such response within 14 calendar days will be perceived as the company 's acceptance that these debts are not valid. Please verify, validate and document that I am LEGALLY obligated to pay these alleged debts. A previous response of " been verified '' will not be accepted as an appropriate, legal nor lawful response this time around. PLEASEREMOVE THE FOLLOWING IMMEDIATELY XXXX XXXX  # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a statement from XXXX XXXX - XXXX XXXX around XX/XX/2019 showing a balance of XXXX. This is a fraudulent account. I have never applied with XXXX XXXX or ever made any purchase from them. 
I called their customer service to inform them and the rep insisted that they would not help me unless I provided my full Social Security number even though I had received statement to my home address and had given them fraudulent account 's number they refused to assist over the phone with out me disclosing my full Social Security number. I have dealt with credit card companies in the past and they have never asked for full Social Security number. I do not trust giving them this information over the phone. 
I sent letter refuting the account and informing them the account was FRAUD and ID theft. The letter was sent around XX/XX/2019. I filed report with FTC and used form letter from IdentityTheft.gov website. I attached the report and copy of statement for fraudulent account. 
XXXX XXXX continues to send junk mail but they have never confirmed the fraudulent account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Kansas Counselors, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to explain to Kansas Counselors that the amount they are trying to collect has been paid in full to the provider. This bill was part of a settlement from wreck. My attorney and I have both tried to have this conversation with them and they refuse to take the documentation provided as prof this matter has been fully resolved. I am not paying a company whom I did not contract services for a bill that Ive already paid in full to the provider whom I did contract services. I did not provide my information to them and Ive explained to them they need to take this matter up with the originally creditor whom was paid in full. Please help me resolve this once and for all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 disuputed this account as soon as It came to my attention after accessing my XXXX XXXX account. and i am still being harassed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2020-11-05
Company: Experian Information Solutions Inc.
State: SC
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:
Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on Experian, XXXX  and XXXX. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B

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 2018-11-16
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
AR RESOURCES INC Account number XXXX Recent balance {$5500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$5500.00} past due as of XXXX XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... AR RECOURCES NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have send a previous letter with the fraudulent inquiry but it has not been removed from my consumer file. 
On XXXX XXXX XXXX XXXX was added to my file without my consent. Delete immediately.

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 2019-04-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a XXXX XXXX giftcard from XX/XX/2017 that I tried to use at the XXXX XXXX store. they said it's too old and I have to call customer service. The gift card does not have a expiration date on it or any terms to use within a certain amount of time. I called customer service and they had me scratch off the silver part and give them the numbers. I did and they said it has no money on it. how is that possible when it a brand new giftcard and I just scratched off the silver part now so there's no way any one could have used it at store or online.they said where's the receipt. i said its from XX/XX/2017. it says the date on the card and i don't have a receipt that old from XX/XX/2017. they said they couldn't help me. Please help me recover my gift card

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 2023-04-12
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I tried communicating with the bureaus, but they are not helpful.

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 2021-09-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a text message from a company threatening legal action. i called the number and they told me it was for an old HSBC account from XXXX  that i have zero recollection of. They said they were XXXX XXXX XXXX. They told me i would be sued in 4 days if i didn't pay in full or set up a payment plan, giving them my credit card info. I asked but they could not verify the debt or send me any records of it. They sent me a docusign email to fill out, that's when i searched online and found they've scammed many people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
XXXX XXXX FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, CITICAOPR ETC..

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 2020-12-12
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:
Hello. my information was stolen from me as evidenced by my credit report and score I never needed my credit so I never paid attention to it. Now when I am about to purchase a house, I saw all the negative accounts on my credit report. I contacted the federal trade commission and have attached all my documents the federal trade commission told me to do.

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 2023-04-12
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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