BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for a Modification on XX/XX/XXXX. After almost 3 years of unemployment and/or underemployment, I finally got work that paid me more than I made when I was approved for the mortgage in the first place. ( I am seriously under water and owe much more than my house is worth ). So, working out something with my lender was my only available option. Being that I was once again gainfully employed, I was confident this would be good news for all concerned, including PHH Mortgage. I have since been grotesquely surprised. 

Things started off nicely - PHH Mortgage assured me, in writing ( letter attached ) that foreclosure wouldnt happen while I was being considered for a modification, as long as they received all the required documents, which I promptly submitted.

Then I started receiving a series of superfluous requests from PHH - all of which I nevertheless promptly responded to - here are a few examples : requiring me to certify that I was no longer getting any self-employment income ( despite clearly filling out their financial statement and submitting bank statements that showed I wasnt ), then. asking for tax returns that I had already sent to them more than two months ago ( electronically, so I have proof ), as well as asking me to provide a new bank statement, put the loan number on every page, and then sign the bank statement what on earth does my signature on an official bank document do? I nevertheless signed and submitted it. All for naught it was all a game to buy them time to get a  foreclosure through the courts. 

To date, I am yet to receive a decision on my loan modification. Instead, last week, literally days before XXXX, I received notice of a XX/XX/XXXX foreclosure sale date on my home. 

How is it ok for a lender to mislead a homeowner, string them along with a series of mind-boggling document requests, all the while biding their time to get their foreclosure action together, than spring it upon me and my family? ( I have a very sick sister living with me with XXXX  XXXX XXXX ( XXXX XXXX ), and PHHs handling of this matter has been extremely harmful. ) Also clearly, PHH was pursuing foreclosure while reviewing my loan modification request, a.k.a. dual tracking. Isnt dual tracking illegal?

I just find PHH Mortgages handling of my case unethical and a horrible business practice. It appears what they are doing is also illegal. Every week or two, there has been a request for a  superfluous document, which I have nevertheless promptly replied to. I am appealing to the CFPB to step in and get PHH to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: VW Credit
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
VW credit changed the amount owed on a charge off on my credit report. I filed a dispute for incorrect information and they just changed the balance and put it in my credit report. I traded in my car and it shows that the car was repo and I have had this on my credit. It is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Upgrade, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I opened an additional savings account with Upgrade.com and funded the savings account wit {$3500.00}. On the same day, I received an email from Upgrade.com that my checking, and savings ' accounts were suspended due to suspicious activity and that I needed to email them if this was an error. I went online ( https : //www.upgrade.com/portal/login ) to check the accounts on the app and it stated that the accounts were suspended due to suspicious activity and that I needed to call Upgrade to unlock the account.

I called Upgrade and asked them firstly why my accounts were suspended, they said that they could not disclose that information because the system flagged the account for suspicious activity. Then I asked them how I could unlock the accounts, and they said I need to email my identification and a selfie of myself holding a note on top of my head with my checking account number on the note and to call them afterwards. I did the needful and called them. They told me that they needed to call me on the number on file with my account for additional and final verification. They called me and asked to confirm that I am the account holder. I had to answer information about my account to complete the verification. After that process was done, the agent stated that the accounts would be unlocked.

After 2 days, I checked the bank accounts online and they were still suspended. I called Upgrade to find out why the were not unlocked, and they said that the account was flagged with suspicious activity. I told them that I spoke to an agent prior and went through the verification process to remove the suspension and the the agent ( who I spoke to the 2 days prior ) said the lock would be lifted. The current agent said that they would email me communication about the account being locked. I asked them to speak to a manager.

They put the manager on the line and the manager apologized and said that the agent I spoke to prior should not have told me that the account would be unlocked because the accounts are still being reviewed. I asked the manager why the account was suspended and the manager said they cant say, I then asked the manager how long the review would take and the manager said they couldnt say but they put a note to escalate the issue.

At this point I don't know why my accounts are being locked and the institution is not being clear on the way forward with releasing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had my credit pulled by another mortgage company on XXXX XXXX and today XXXX XXXX at XXXX I got a call from AmeriSave Mortgage Corporation, NMLS ID # XXXX, ( XXXX ) ; Corporate Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX, GA XXXX. I was talking to a lady named XXXX. She said that since my credit got pulled for a home loan, that the credit bureaus sent her the information to let her Mortgage corporation know that I was shopping for a mortgage. I don't want the credit company 's selling my information. They knew my first and last name, birthdate, phone number, and home address. I asked the lady for her NMLS number and she said she did not have one. I asked for her company 's NMLS number and she said she did not know. She also would not give me her last name. The credit company 's should not be allowed to send my information out to the highest bidder. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 non-monetary relief
Consumer complaint received 2021-10-27
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:
I AM A VICTEM OF EQUIFX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Complaint to Marcus by Goldman Sachs : I opened Marcus online saving account on XX/XX/XXXX, deposited {$25000.00} in the account on the same day. On XX/XX/XXXX, I decided to transfer the money out to my external bank which has been confirmed and verified by Marcus. The request was successfully submitted, and then the next day on XX/XX/XXXX, I received a phone call from a Marcus specialist asking to confirm if I was one that initiate this request. I confirmed with him that I was the one that made this action, and the external bank is my personal account as well.

My money was reverted back to Marcus the next day with no email or text notice. On XX/XX/XXXX, I tried logged into Marcus and found out my account was locked. I called Marcus the next two days, on XXXX and XXXX, the specialists were not able to told me why my account was locked after providing all my personal information, and they were not able to send their PIN or code to my cell phone saying they do not have my number on file, even though I registered my one and only phone number with them.

Then I was told an AOI form ( Affidavit of Adentity ) will be mailed to me to complete the verification process. I did as what they requested : completed the form with filling in sensitive information like SSN #, driver license #, DOB, Address, etc., got the form notarized, and mailed it back on XX/XX/XXXX. 

I waited few days and called Marcus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, I was given the same runaround -- I need to give them 3-5 business days to review the form. Up to this date, my account has been locked for over a month, with no explaination on why the account was locked, no access the monthly statement, and have no clue if my money is still under my possesion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated XXXX XXXX # XXXX, XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Adjust # XXXX Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They also. Violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: AL
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 was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Santander was part of the multi state Attorney General lawsuit. My loan was part of their predatory lending practices. They are and where suppose to remove the default off all credit bureaus. I have contacted multiple times santander. It's on their recorded lines deny to transfer to supervisor being nasty and or stating no we aren't doing basically what's legally required for customers following the lawsuit unless they mail the credit department asking for it. Luckily I already already have but they are still denying it and will not resolve. I know two people personally that they owe the title they are delaying tocollect money still and doing similar illegal tactics.I mailed a certified letter also to the creditor who bought the debt they refuse to acknowledge comply and harras me illegally. Santander thinks they are above the law and continue to practice predatory loan practices take advantage of consumers XXXX  account number : XXXX Take care of your XXXX XXXX  XXXX, XXXX ( current creditor of your original Santander Consumer account ) balance today. 

We understand that debt can be stressful. Your {$11000.00} balance with XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) may be one of the many things on your mind. 

Work with us to set up a payment plan that works for you. 

Sign up for a plan today and mark one thing on your list as done. 


Sign up for a plan This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Copyright 2020 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your XXXX  account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with Santander Consumer, account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-06-06
Company: EQUIFAX, INC.
State: WI
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: GA
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 Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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: Account information incorrect

Complaint:
I have contacted Equifax several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
The information for my student loans is incorrect. The information is outdated and showing I still have debts, and all accounts are paid and no longer owing. 
I have asked them to remove an inquiry from XXXX from XX/XX/2022 because I have not authorized any application from this retailer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
never received any letter in regardint debt before it went to collection now i have company calling me multiple time a day and my credit report show them now saying that i owe them {$1800.00} and anothe one for {$73.00}

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 2023-08-07
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
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 have previously tried twice to dispute an fraudulent account from my credit report. I submit my disputes on XX/XX/2022. The company responded saying ( the account verified ) with no proof of my signature. This account was open without consent and it needs to be removed from my credit report. 
These companies are not following the law according to Fair Credit Reporting Act ( FCRA ). USC code 1681 ( A ) states credit reporting agencies must conduct reasonable investigation when a consumer myself submit a dispute and delete information if the information is 100 % accurate. 

Account : XXXX XXXX XXXX 
Account : XXXXXXXX XXXX  - account verified Equifix - account verified The ( FCRA ) federal fair credit reporting act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: MI
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:
I filed a dispute over false information in my credit report. Equifax responded by sending me a form email and blocking my access to my own credit report and blocking my access to the results of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i hired a debt resolution firm to help me out with my credit and debt, when i hired htem they told me that i will be paying 40 % of the debt and small payments towards my debt, i figured it out when i went online to do some research on theyre review i figured that out that i am not the only one, alot of ppl got scammed by XXXX XXXX i calle Chase to do a dispute, i did a dispute for the XXXX case andi had a bunch of small disputes, they returned the money to me after few days they returned it to XXXX and the closed my case, all the disputes that i made that day around {$1300.00} was returned to the merchants and the case is closed so i dont have a chance to get my money back, it looks like somehow i have upset the representatives that i spoke to and that they did it this way on purpose so i cant get reimbursed. i feel betrayed by my bank big time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NV
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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