BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a mortgage with Ocwen for a condo property in XXXX XXXX, IL. The condo is underwater and we are having trouble selling the property for what we owe. The mortgage company and the Condo Association Board will not work with me to allow us to rent the unit unit we can sell the condo effectively forcing me into foreclosure. 

The Condo Association does not allow rentals and removed an economic harship exception so we are unable to rent the unit. If I am not able to sell the unit I will be forced to let my condo go into foreclosure which will destroy my credit. How can yo help me with this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2021-12-03
Company: Capital Auto Credit, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX XXXX XXXX  pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX Credco pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX Fin pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.

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 2018-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX and XXXX I wrote a letter in writing to verify the following account. I received a response the account was verified with no proof provided as requested. Also XXXX XXXX XXXX sent me a consent of treatment form along with an itemized bill, that I did not consent for 3rd party. Therefore I took it upon myself to investigate. On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX requesting them to provide the following as validation : *Copy of my signature with the provider of service to release my medical information. 
*Contract showing I signed with the CA to disclose medical information. ( THE CONSENT FORM IS NOT A CONTRACT WITH THE 3RD PARTY ) *Details on rather the contract was sold and amount. 
*Copy of contract allowing 3rd party to collect and report to the Credit Bureau XXXX 
*Texas Surety Bond information as required by Sec.392.101 As of XX/XX/XXXX, I have not been provided with the above and I also wrote to BBB to assist and they failed to respond to them with 22 days.

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 2022-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Herbert P. Sears Co., 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: Account information incorrect

Complaint:
On XX/XX/XXXX, HP Sears on behalf of XXXX XXXX incorrectly reported a " collection '' against me, regarding services not performed by XXXX XXXX ( see letters attached ). I filed an FTC complaint against XXXX XXXX on XX/XX/XXXX, and just updated said complaint to include this information. On XX/XX/XXXX, after initially being contacted by HP Sears on behalf of XXXX  I spoke with XXXX XXXX, advised him of the circumstances, and I was told to forward the FTC report and documentation, which I did, to " XXXX '' ; I never had a reply, so resent the email on XX/XX/XXXX and XX/XX/XXXX ( attached ). When I called again, I was told that I did not need to do anything further. Today, after receiving information of the reported collection, I spoke with a representative who advised me to, once again, forward documentation to " XXXX ''. I will forward the updated FTC report, the original FTC report # XXXX, along with this report to both emails listed below. The numerous previous emails remain unanswered. I have requested that they immediately remove the incorrect collection report of XX/XX/XXXX, for {$1000.00}, since services were not performed and I retained a new XXXX to begin XXXX XXXX to my son after 6 months of XXXX  and no treatment. I have attached pertinent documentation and have much more if needed, specifically the numerous unanswered emails to XXXX XXXX. Thank you for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by hurricane IRMA. Bank of America had a program where you can miss a few payments but all payments would be due in XX/XX/XXXX. We elected to miss only one payment to make repairs to our home. In recent times, we received a letter from the lender stating payment will be placed in a forbearance account and not due in XX/XX/XXXX. We are very confused. We were assigned a case manager who has not called us back or accepted any of our calls. We have tons of questions! When you call the customer service number, you are re-directed to case manager who is never available so I have to leave a message. Can you imagine trying to get answers and you can not? When I put in my account information, there is no way to go to speak to anyone else. This is super frustrating! How can an organization as big as Bank of America not have an IVR system directly the clients to correct personnel when needed? I can not believe the level of service I received from them. I have all my bank accounts with this company and I wanting to switch due to the service or lack there of from the mortgage side. I pay my bills every month but yet I can not receive any service. This is not fair! Please fine this company.

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 2018-01-23
Company: ALLY FINANCIAL INC.
State: CA
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 sent my credit information to various banks without my consent giving me more than 1 hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, 2017 Ally Financial XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017

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 2021-12-03
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: MRS BPO, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reported a case of fraud resulting from an XXXX XXXX XXXX XXXX delivered to my home. I reported it to the company and was instructed to send the phone back which I did. I received numerous demands for payment for phone I did not purchase, create the account etc. I filed a report and was informed the case was now closed. I recently received a demand for payment from a collection agency after months of assuming everything was rectified. The letter was from XXXX XXXX XXXX listing XXXX XXXX as the creditor. This started in XXXX of XXXX I believe and was resolved in XX/XX/XXXX. Any assistance in the resolution of this matter would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2019-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX 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 2018-08-30
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this deb on several occassions with this company. In my requests I have asked the company to provide me with specific information pertaining to the debt they say I owe as well as provide me with information giving them authority to collect this debt and report it negatively on my credit report. This company has not fulfilled my request, yet they still are reporting negative information on my credit report. I have advised XXXX that they are in violation of my rights in writing on several occasions yet they still report negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have contacted this company on several occasions requesting them to STOP report information on my behalf as the information being reported is not accurate information. The company has failed to cease and desist the reporting information and has not corrected or updated its records. The information this company has gathered on my behalf is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: SYNCHRONY FINANCIAL
State: OH
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:
Why are they billing me XXXX when I already paid off the promotion on XX/XX/XXXX? 

I paid over {$400.00} for XXXX and only needed to pay XXXX why have they not adjusted my monthly payment as promised my monthly amount should be XXXX not XXXX as I already paid off a promotion.

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 2018-08-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I gave Onemain financial permission to draw {$90.00} from my debit card on XX/XX/XXXX On XX/XX/XXXX I changed that amount to {$180.00} the same way the same day. 
On XX/XX/XXXX they try to make an Ach transaction from my account, which I had thought they did as a debit on XX/XX/XXXX as we agreed. So this was against my approved day and in an unauthorized way. They offered to review my incurred bank fees and MAYBE reimburse me those. They wanted nothing omitted. That was enough to make me unwilling to share my banking info any further with them. I had to place a stop payment on the account and was charge numerous overdraft fees. I can no longer pay them from the account so I have to buy money orders and mail them. Now they say they havent gotten the money order yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: McNeil & Meyers Asset Management Group, LLC
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:
This company has been on my reports for a while and they are affecting my scores. 

I already filed a complaint and belive that I have the correct information. 

They have never VERIFIED the debt and have not provided me with any proofs that I owe them anything? 

Here is their information : Creditor Information MCNEIL & MYERS MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I attempted to open an account at a branch and was denied due to a " charged off account '' -- - I never did any business with SunTrust however am a victim of identity theft

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 2021-04-13
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So, I NEVER knew that my monthly payment was {$490.00} until this XX/XX/2020 payment that was reported late, based on my contract with XXXX my bi-weekly payments are {$220.00}, based on the number of payments due and the amount of money I have payed this company up until XX/XX/2020, I was in belief that I was ahead and the micro payments were maintaining my account. This contract is set up for the listed monthly payments to never be made in full on a monthly basis, its structured to fail its customers, to fulfill the listed monthly payment amount my biweekly payments should have been {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: WA
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 went to Experian 's web site to temporarily remove a credit freeze. When I entered my personal information to temporarily remove the credit freeze, I got an error message that said they were unable to complete the transaction. I called Experians number several times. None of the options helped me. They do not let you speak to a person. Their phone system puts me in a continuous loop that will not help me. 

I want to suspend my credit freeze from now through XX/XX/2022. 

Please help. Experians is completely unresponsive. 

Thanks.

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