BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : PHH Acct # XXXX ( Ocwen Acct # XXXX or XXXX ) I have been receiving default notices from PHH regarding lack of payment ( Case Manager XXXX XXXX ). 

PHH took over as service provider from Ocwen 2+ months ago ( not per my request ). 
Payments have been paid under acct # XXXX or under previous Ocwen Acct # XXXX / XXXX. 
My XXXX Checking is showing that payments have been sent and checks cashed by PHH in XXXX and XX/XX/2019. I have contacted PHH on multiple occasions to try to resolve and have spoken to several representatives in early XXXX and in XXXX. I have contacted XXXX to investigate payments made and to contact PHH. I also have no idea why the XXXX payment was properly processed and yet XXXX and XXXX seem to be an issue for PHH. 

I have sent an email to XXXX and have sent to letters to XXXX   XXXX and XXXX. NJ PHH addresses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to all 3 bureaus, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-08-10
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Southwest Credit Systems, L.P.
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: Old information reappears or never goes away

Complaint:
XXXX/ XXXX has been putting an account on my credit report as long as I can remember. Since XXXX I tried to solve the matter with them advising that it was not my account or responsibility as I was a tenant only where the services were provided. I have disputed this account ever since with credit bureaus and they continue on reporting the account with different collection companies. I have proof since XXXX that this account was meant to be deleted on XXXX for {$1300.00} under the collections company of Southwest Credit Systems and this is after my second time disputing the account. Now, this same original creditor appears in my credit report with a different collection agency named XXXX XXXX XXXX but with a higher amount of {$1900.00} as of XX/XX/XXXX, and an opened account date of XXXX with an expiration date in the year of XXXX. Per the credit bureaus representatives, they can continue to dispute as I request but if the creditor continues to open accounts under different collectors they are required to report. Which makes it NOT FAIR because even if this account was to be mine, they would continue on reporting for the rest of my life?! 

This is affecting my credit tremendously and my finances as well, as it makes it hard to get a good interest rate on anything with low credit as this is the only account in collections that continues being so incorrectly persistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: 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 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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 had an auto Lon with Citizens one finance were my vehicle was deemed a total loss. My insurance company and GAP insurance paid the amount owed checks cut on XX/XX/16 & XX/XX/16. Somehow it appeared on my credit as a Repossession. I recently opened a dispute to remove the balance and now my credit decrease -55 points! Im not sure where the error came from but Ive been penalized for over 3 years now with everyday finances due to more then likely a customer rep. With removing or decreasing the balance my credit score should have risen. This needs to be handled AS SOON AS POSSIBLE! I will be contacting a lawyer to see whats the best way to move forward with dealing with this company and the credit bureau. Theres an error somewhere on either one of not both parties and it needs to be resolved NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues. 

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: JPMORGAN CHASE & CO.
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:
On XXXX XXXX or XXXX, XXXX I received a notification that Chase Bank made an inquiry into my credit files as a result of a credit card application. I immediately called Chase bank to ask about this inquiry into my credit files and I informed them that it was not me. Someone had obtained my personal information and used it to apply for the Chase Bank credit card. I was told that no credit card was issued, the application was marked as fraud and deleted. However, the Chase Bank inquiry is still on my credit report with XXXX. 
On XXXX XXXX, XXXX I sent a letter to Chase Bank requesting them to close any credit card accounts opened and I included a note to delete the inquiry from my credit report with the Credit Bureaus ( XXXX ). Also, the letter requested Chase to respond to my requests. I still have not received any feedback from Chase Bank and the inquiry remains on my credit report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notice a new student loan was opened in my name i have not been to college in over in 10 yrs how come i have a bill for XXXX dollars thats on my credit i never applied for no student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I quit trying to work or contact this company. I co-signed for my daughter an automobile which she wrecked. At the time of purchase I paid for gap insurance and was assured that I would not have to pay anything in case of total/damage of the vehicle. 
Company started calling me about a balance. I called the dealership where I had purchased to insurance only to find out that they ( without contacting me ) has refunded to my  account any monies they had collected for premium since daughter had wrecked car. 
Every time Santander would call me I would ask for documentation regarding the {$1200.00} they were showing owed, regarding the wreck/settlement etc. They did all, did not contact me OR provide any documentation showing that I owed anything or the details of the wreck/settlement/insurance information that I had repeatedly asked for. 
When I told them to stop calling me, all further communication must be in writing, no notice from them ... ... .bam, on my credit and still being reported as of today even though they show it as a write off. 
Had I ever gotten the documentation request not only could I confirm the amount in question, if owed, it would have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
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:
XXXX XXXX has a debt listed my credit reports ( TransUnion-XXXX-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX MN XXXX Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this 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 explanation
Consumer complaint received 2019-01-20
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we mailed our payment in to Freedom Mortagage. The company had not posted our payment to our mortgage account by XX/XX/XXXX, so I had contacted the payment processing number for the lender. I was advised that on this date they had not received our payment due to it not showing in the system. I contacted them on XX/XX/XXXX as well with the same response from Freedom Mortgage. Finally on XX/XX/XXXX they had posted our payment to our account, but it had been initialed that it was received as of XX/XX/XXXX. This is not the first issue that we have had with severe delay in processing our payment. We were not charged any late fees, but due to being required to mail the payment in, it caused undue stress to my wife and I during the holiday season because we were worried if we needed to send in another payment or play the wait and see game. If I am seeing the correct information regarding this type of issue is that it is required to be posted the same day or the next business day after it is received.

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 2023-03-12
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:
Through Transunion there were several fraudulent Inquiries There was an inquiry for XXXX XXXX on XXXX XXXX There was an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX There was an inquiry for an XXXX XXXX XXXX/ XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX  XXXX XXXX credit card on XX/XX/XXXX There was an inquiry for XXXXXXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX placed on XX/XX/XXXX Through XXXX there were also Fraudulent Inquiries made There was an inquiry for XXXX  Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX I am not one to check my credit often but when I did I noticed a lot of unauthorized inquiries that were not placed by me and this has caused my credit score to drop drastically in a short period of time, I do not want what someone else did affect my credit, Ive worked hard to get my credit score up only for someone to cause it to drop and its not fair 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 non-monetary relief
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-09-17
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have enrolled in and online class through XXXX in XXXX for 4 payment of {$170.00} each. Upon enrolling, I had an emergency with my dad and had to leave town and take care of my parents for 2 months, preventing me from ever accessing the class or using any of their services. They took 2 payments, and i tried to reach out to them to prevent the other 2 from going through my DISCOVER card but had no response. With nothing from XXXX, i disputed the last 2 charges from discover directly which was ruled in my favor. Only to find out a month later that those charges were reversed and now are on my balance. I've reached out to discover multiple times to further take care of this but nothing ever comes out of it but that they need proof that the class was cancelled. So i'm disputing 2 charges, each is {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed updated on my credit report that a bogus collection account has been added to my file. The account is listed as XXXX XXXX XXXX XXXX and it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I went into a XXXX store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from XXXX for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from XXXX in XX/XX/XXXX..so that clerk apparently added this to the new account and did not charge my card. 

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. XXXX said they could not talk to them because the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.

Company response to consumer: Closed with explanation