BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: Ocwen Financial Corporation
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:
Dear CFPB, Thank you for allowing me to submit this complaint. 
Ocwen Loan Servicing LLC recently submitted to XXXX a credit reporting agency that I was XXXX days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from Ocwen acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
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 2018-05-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I HAVE NO KNOWLEDGE OF THIS LOAN. UNABLE TO RECEIVE VERIFICATION -- - PROOF THAT THIS LOAN IS MINE I MADE SEVERAL REQUEST FOR DOCUMENTATION SOMETHING ANYTHING THAT PROVES THIS IS MY LOAN AND NOTHING HAPPENS, ON THE TELEPHONE THEY LAUGH AT ME AND HANG UP WHEN I WROTE LETTERS I GET NOT REPLY. 
IF THIS IS MY AUTO LOAN THEN I WOULD HAVE SIGNED SOMETHING.WHEN THIS LOAN WAS MADE I HAD NO DRIVER LICENSE. HOW CAN THIS BE I DONT KNOW WHAT TO DO ANYMORE IM TRYNG TO GET STUDENT LOAN TO GO BACK TO COLLEGE AND BEING DENIED STUDENT LOAN BECAUSE OF THIS FRAUD LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ditech said i owe back payments talk to a lady and made a deal to catch up on payments so i been making extra payments.but i keep getting letters from them that i haven't made any payments an i get conflicting letters telling me different amounts i still owe them.the lady is rued on the phone they do not know want they are doing it seams to me they just want my house and keep telling me there are going to foreclose on me.i don't know what to do anymore i am stressed out about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial Se for the amount of {$260.00} and the other for {$280.00}. I have written several letters certified to this collection company and these people continuously ignore my requests to validate their claim that I owe these amounts. I mailed the letters at the first of the year after President Biden took office. He has completed 100 days of being in office and I still have yet to get any of the documents I requested that Phoenix Financial send me. They ignore me and in the process are damaging my credit by reporting monthly to the credit bureaus. Even after they have been made aware that these accounts are invalidated, not correct and should not be reported as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a XXXX credit card inXX/XX/XXXX When I applied the promotional offer included 1 free anniversary night at ANY hotel of theirs. In XX/XX/XXXX I received a letter that they changed the promotion and it is 1 free anniversary night in a hotel up to 40,000 points. BUT if you apply for a new card fromXX/XX/XXXX to XX/XX/XXXX then you will get the old promotional offer of 1 anniversary night at ANY hotel of theirs.

I called Chase and they told me it was an XXXX issue. I called XXXX and spoke to three representatives, 2 of them managers from XXXX. They stated that the small print in the application said they can change the terms. So I explained that it seemed unethical to change the terms for people who applied for the card fromXX/XX/XXXX- XX/XX/XXXX and then change it back for people who applied XX/XX/XXXX- XX/XX/XXXXjust so they can encourage people to sign up to the card. I told them that if the promotion was changed for me then it should be for everyone and why was I being penalized for applying for the card a little more than 2 months earlier and spending money on it? Both supervisors were rude ( XX/XX/XXXX ) and one spent half an hour telling me that its the same promotion since we both get a free night.

I stated several times that it seems very unethical and a fraudulent practice or at the very least dishonest to exclude JUST the customers from XX/XX/XXXXto XX/XX/XXXXwho applied for the card in good faith that XXXX   would honor their promotional offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
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 have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and XXXX  & TransUnion came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX corrected the information but XXXX and TransUnion will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT 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 2021-05-07
Company: FIRST HORIZON BANK
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I sent a XXXX  payment of XXXX, cash payment XXXX final payment of XXXX. On XX/XX/XXXX XXXX to XXXX XXXX of XXXX. ga XXXXfor purchase of XXXX XXXX XXXX XXXX XXXXtotal of XXXXrecieved key and bill of sale ... .upon trying to register trailer I was told vin was not valid ..but because I knew his father Judge XXXX XXXX was magistrate Judge of county and XXXX  was also in his personal property I contacted the recepients XXXX XXXX XXXXfather ..judge XXXX to help resolve tag and title issue.XXXX was call was called back by the the sherriff of this county and informed that XXXX XXXX had died and that the camper was not his but his Uncles..XXXX XXXX..I did not think it was appropriate at that time to address my XXXX loss..but did email sherriff and notify bank of issue ... i was informed to do a self help form with XXXX fraud by my bank first horizon.. I offered to support my claim with police report..bill of sale..etc..XXXX  nor 1st  horizon asked for any supporting XXXX a denial of claim because recepient had a stand alone XXXX  app that was not attached to a bank ..and neither XXXX or 1st horizon  had a platform to address claim..nor was transaction consumer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Avant Credit Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A utility bill was placed in my name fraudulently. I spoke with company representatives several times over course of few weeks. This was about between XX/XX/XXXX-XX/XX/XXXX. Eventually they ask me to pay debt, {$100.00}, and they would notify gas company and then remove collection from my credit files. But after I did, the supervisor did not honor this promise and was rude about it. They did nothing to rectify situation even after debt was now paid and refused to remove collection, which I told them was not mine. I have been disputing this information for a long time now with the credit bureaus but the collection company just keep updating it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
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 XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about this on XXXX. There is numerous of people they have done this too and have wronged.

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 2018-05-01
Company: Van Ru Credit Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Van Ru sent a letter regarding a debt collection attempt for XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Van Ru.

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 2018-03-28
Company: JH Portfolio Debt Equities, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018. I realize I was misquoted by XXXX XXXX and since XX/XX/2018 I have reached out on numerous occasions to rectify the issue. I was told the process could take anywhere from a couple weeks that turn into now 20 days to process. We have now gone past that timeline and I still have not been told anything of my {$500.00} credit being returned to me via mail or put back into 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 monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
AFTER DISPUTING THESE ACCOUNTS MANY TIMES WITH THE CREDIT COMPANY THEY HAVE FAIL TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Receivables Management Partners, LLC
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:
there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: TN
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 received a notification on my Experian Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX 's credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.

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 2020-07-25
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PNC perpetrates fraud and anti-trust laws when they refuse and neglect to correct their systems to allow customers to use XXXX XXXX XXXX. It's a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter to Equifax asking them to remove my fraud alert 90 days ago and they still have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide, Method of Verification and Validation of Debt. 

XXXX XXXX # XXXX {$97.00} # XXXX {$65.00} # XXXX {$93.00}

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 2018-06-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rushmore Loan Management Services ( will now abbreviate as RLMS ) is sending people onto my property to leave notices on my front door. I am the property owner. I do not currently, nor have I ever had any business or accounts with RLMS. No one currently living at my address has or has ever had any business or accounts with RLMS. I have contacted RLMS on three separate occasions to inform them of this. I have specifically notified RLMS that any future visit to my property is unwelcome and will be considered trespass. RLMS has visited my property no less than two more occasions since I have first notified them of this. On each subsequent visit I have again contacted RLMS to inform them that no one living at the address has any account or business with RLMS, I have requested that the visits cease, and I have informed them than any future visit will be considered trespass. I have video and physical evidence to substantiate the continued unwelcome visits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The XXXX credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX  reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX  Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$770.00}.

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 non-monetary relief
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FTC Violations Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX State Highway XXXX XXXX XXXX, TX XXXX SANTANDER {$5600.00} XXXX {$0.00} RISE {$0.00} XXXX XXXX XXXX SPEEDY CASH {$1300.00} CREDIT XXXX PROGRESSIVE {$120.00} XXXX XXXX XXXX XXXX COMENITY BANK {$590.00} WAKEFIELD/EMERGENCY SERVICES OF TEXAS {$2500.00} CONSUMER ADJUSTMENT COMPANY/CHECK XXXX GO {$1200.00} CONSUMER ADJUSTMENT COMPANY/MONEY KEY {$110.00} CCS COLLECTIONS/PROGRESSIVE {$120.00} RMA XXXX XXXX XXXX XXXX {$26.00}

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