BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX I have been attempting to communicate and reach a solution regarding mortgage assistance with PHH Morgage Company. I believe some time ago Ocwen sold my FHA loan to PHH. I have had nothing but problems communicating with PHH. Unfortunately, I have not kept up with the payments but had for the past several years until I wanted to be considered for mortgage assistance. People advised me to stop making payments so that they would consider my hardship seriously. I am having hardship and I would like to be considered for a short sale or a Deed in Lieu of foreclosures. I have completed the packet mailed from PHH and I have emailed it back. On their letter there is a FAKE email address to send documents and after 30 days of communication, I finally was given the right email address and so I resubmitted the entire packet ( pay check stubs, tax papers, hardship letter, etc. ) They then said I did not have a signed tax document, so I resubmitted the packet again with the signature on the tax document. Still, they continue to claim I have an incomplete application and I just received a letter from attorneys regarding a foreclosure sale date on XX/XX/XXXX. I need help. Therefore, at this time, I am wanting to avoid foreclosure and put my house on the market for sale or at least communicate with PHH about other alternatives to foreclosure. The problem is I can never talk with the Relationship Manager-XXXX XXXX and I am never given any straight help from their underwriters. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
my car was repossedOn XXXX XXXX 2015 you received documentation under the certified mailing number XXXX XXXX XXXX XXXX XXXX in which I provided you with my U.C.C filing numbers as an SECURED PARTY CREDITOR from Federal and State. You were also provided with a copy of the XXXX XXXX XXXX validating my lawful means to discharge this debt using the negotiable instrument AFV ( Accepting For Value ) used in the dischargement of debts. You were also given the IRS documentation used for the transmitting of this negotiable instrument. You refusal to cooperate was a personal decision on the part of your corporation. As per our XXXX letter I stated that if your company was exempt from these procedures to please send me a written response explaining your exemption status as well as the return of all documents that I sent you. You refused to comply, and now you have sent a repo person to repossess the vehicle under XXXX name which was illegal, unlawful, and dishonorable. Upon receipt of my status you circumvented further communication with me my using XXXX XXXX name as the person to repossess the car from The Uniform Commercial Code Article 9 states that Legally, after a debt discharge, the creditor has no legal basis to pursue the debtor and has no claims on the assets that are currently owned by the debtor or assets that the debtor acquires in the futureThe only remedy that can be given at this point in time is the return of the vehicle and the discharge of the debt which I was informed by telephone on XXXX/XXXX/15 by XXXX XXXX ID # XXXX who said that the car had been discharged, I am sure XXXX, XXXX has a record of that conversation since I was informed at the onset of the call that our conversation was being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage has been assigned to Rushmore Servicing from Rushmore Loan Management Services effective XX/XX/2023. I received a letter with a new loan number, and have been trying to pay my XXXX payment since XXXX XXXX. The online and automated telephone systems at Rushmore Servicing do not recognize the loan number. I have attempted to use every single option on the automated system ( name, telephone number, social security number, loan number ), and none are recognized. I called the Rushmore Loan Mgt Svc number, their system recognized my old account but threw my call back over to the new company. There is no way to get to a representative to resolve this and I still have not been able to make the payment. Please advise, I have never been late on this mortgage in 24 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told their company is called XXXX and it stands for Enhanced Resource Center. They say they are looking for XXXX XXXX. XXXX their various phone numbers shows the calls are all coming from a debt collection agency. Every single week for months now, I get calls from their male or female employees asking for XXXX. I keep telling them I do not know this woman, I am not this woman and I have registered the phone number they are calling me on with the Do Not Call registry. I've repeatedly instructed them to stop contacting me. I told them I would begin reporting them to the FCC. Apparently, they aren't worried. Their calls are disruptive. They call me while I'm bathing my elder parent ; they call while I'm in the cemetery ; They call while I'm preparing meals throughout the day. Irregardless what phone number they call me from, all calls from them should have stopped after I informed them I am not XXXX and I want them to stop contacting me. I would like to see them fined for every single call they have placed since I registered my phone number with the DNC registry. I should not be pestered for someone else 's debt. Legislation needs to be enacted so consumers can penalize these rogue companies that flaunt consumer protection laws. Please make them stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
the following are inquiries on my credit report that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Collections Account XXXX XXXX XXXX XXXX, XX/XX/2019 transmitted to Equifax the Collections account is to be removed. I have a letter stating the collections account was to be removed and faxed the letter also to Equifax. XXXX from Equifax acknowledged they received the letter and the account would be removed within 4 to 5 days. Equifax has not removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following businesses used my information without my knowledge or approval, and it has shown up on my credit report. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought my car during covid, I ended up getting very ill and could not keep paying my car payment which had a 14 % interest rate on a XXXX XXXX I tried to reach out and get a lower payment but they kept denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Cardinal Accounts, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ob XX/XX/2022 I called Cardinal Accounts INC about a collection account that had just recently reported to my credit report. When I called, a lady answered and asked me my first and last name. I told her and she directed me to an older sounding lady. That lady advised me she could not find my file and she would need to give me a call back to discuss the account. She said that the call would be from a no caller ID. I received a call about 5 minutes later from the same lady. She did not verify my name, date of birth, last four of social, or anything of those sorts. I asked her why she didnt do any of that being a debt collection agency before discussing any information with me. She said she didn't have to. I then asked if the phone call was recorded for both of our sake and she said it wasn't and they don't record phone calls there. The information they are reporting to the credit bureaus is incorrect and they never even attempted to reach out to me regarding the debt. They didnt even have the correct address for myself. I feel like this " debt collection agency '' is practicing fraud and should definitely be looked into.

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 2021-06-28
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have gotten in to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: NEW YORK COMMUNITY BANCORP INC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Have had a home loan from Flagstar for XXXX  years in good standing. Went through a divorce in XX/XX/XXXX. At the same time I was a frontline primary care physician during XXXX. My contract with my clinic was not renewed in XX/XX/XXXX. I had been a physical in good standing for XXXX  years. I was without employment for XXXX  months. I notified Flagstar about my predicament and was unable to make my mortgage payments since XX/XX/XXXX. I have been trying to workout a loan modification with Flagstar since. I began a new full time job as a physician in XX/XX/XXXX. Flagstar keeps denying my applications for consideration. I have been working closely with a HUD counselor since XX/XX/XXXX. Despite our mutual cooperation with Flagstar they continue to shut down my loss mitigation application. They have accelerated my foreclosure and have set a date of XXXX  XXXX. My reinstatement amount due is {$21000.00}. 
Do I not have a right to contest their decision for foreclosure? They are very adamant about records and applications that I have relentlessly supplied. Even my HUD Counselor has become frustrated.

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 2020-12-24
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** XXXX XXXX XXXX XXXX XXXX XXXX has never contacted me by mail or by any other manner regarding their debt purchase from XXXX XX/XX/XXXXXXXX now XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. 
Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. 
Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. 
The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. 
***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX XXXX informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact XXXX the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against XXXX, Equifax, and XXXX in regards to my complaints outlined in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank is repeatedly mailing account opening bonus offers and not honoring them after fulfillment of terms by consumer. The terms are deceptive. The offer says the consumer should not have a checking account in last 12 months. But later on they are denying the bonus saying the consumer had a prior account 3-4 years ago. This has happened to me and 3 of my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, 2021 On two occasions I have cancelled a credit card because I haven't used it for a long time, many years, and don't need it. In both instances, I received an email a couple days later telling me my credit score had dropped. I am in my XXXX 's and do not need all these cards. 

In both cases, I had never missed a payment, had not used the cards in years and the cancellation was at my request. Why should that impact my credit score? 

The most recent cancellation was with XXXX XXXX XXXX. 

Last year, I cancelled XXXX XXXX which had a high credit limit on it and I had had the card for decades and that was a big hit to my credit score. Again, no late payments, no recent usage and cancelled at my request.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX Account # XXXX Date opened XX/XX/2019 has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 602A section 604 A section 2 It 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 explanation