BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company called Resident collect or resident check, says that I owe them money for an apartmetn I never lived in. They are still on my credit report and this is a four year old debt!! The statute of limitations on debt for residents of the State of Texas is four ( 4 ) years. In Texas, this refers to oral agreements, written contracts ( car loans, installment loans ), promissory notes and open accounts ( such as credit card credit lines ). I have never paid them, and when I dispute on my credit report, they have never reportieda change as far ast speaking with themthis from XX/XX/XXXXRESIDENT COLLECT INC # XXXX XXXX FWYSUITE XXXX, TX XXXX XXXX XXXX ) XXXX for Collection : XXXX : Individual AccountAccount Type : Open AccountLoan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated : XXXX Payment Made : XXXX Amount : $ XXXX Creditor : APARTMENT XXXX XXXX XXXX ( Rental/Leasing ) Past Due : & gt ; {$1900.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX of XX/XX/XXXXRESIDENTCOLLECT INC XXXX {$1900.00} as XXXX Collection account. {$1900.00} pastdue as of XX/XX/XXXX. 
In XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX identification XXXX creditorAPARTMENT-XXXX XXXX MonthsOn record untilMay XXXX limit ororiginal amount $ XXXX balance $ XXXX payment $ XXXX payment $ XXXX of XXXX reportedXXXX/XXXXResponsibilityIndividualCommentAccount information disputed by consumer ( Meetsrequirement of the Fair Credit Reporting Act ). 
Your StatementI HAVE NO KNOWLEDGE OF THIS ACCOUNT. 
Reinvestigation informationThis item was updated from our processing of yourdispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
in 2014 the lenders of my morgage changed hands from GMAC to OCWEN loan service. at that time my payments were XXXX as of today they are XXXX in XXXX XXXX 2014 they informed that they have decativated my account while changing from GMAC to OCWEN XXXX i have a strong feeling that by talking to insurance agents form XXXX that they have put a XXXX insurance policy that i have never authorized. i have been trying for the past 3 years to get them to drop this insurance policy and lower my payments but have not had any sucess. i have contacted XXXX to get help filling out the paper work. since i am on a fixed income of less than XXXX a month this has put me in a finicial bind. i have called repeatly to get answers all they are telling me is that they require me to pay this extra insurance that only benifits OCWEN. i have homeowners insursance that i have had for 10 years. never had a claim never been a lasp this insurance is through escrow. this is the policy has been approved by company that is all i need to cover my home. i would i welcome any help you can give me or i will lose my home.

Company response to consumer: Closed
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please see the information attached

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 2022-08-29
Company: NCB Management Services 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 XXXX  account has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have alerts set up on my Bank of America checking account to let me know when I have insufficient funds. I never receive these alerts until AFTER Bank of America applies overdraft protection and then charges me for it. I am not given the opportunity to correct my account because it 's not brought to my attention until after the fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: IL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.

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 2017-03-28
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was instructed many times to put my student loans in forebearance when I was unable to pay the total amount due. I 've defaulted many times on my loans because the monthly payment expectation is not feasible and the interest rates, including those accumulated while the loans were in forebearance, or in default, is ridiculous. My loans are currently in forebearance now actually because I called to ask for help in lowering my payments and that was their solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While filling out the application I was asked my race and sex. According to the Fair Lending Act, a lender can not ask questions like that. It could make there decision very discriminatory. This was done by Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
yes i called today wondering why you guys charged my back XXXX??? when i was charged and hacked on XX/XX/XXXX with the 3 transaction from XXXX. for XXXX but you guys claim that i should only be be credit back twice for it?? that doesn't make any sense.. the guy on the phone told me that and now you guys are stealing my money!!! I work for the XXXX and this is how we get treated??? 

and I have upload that you guys did everything correct on XX/XX/XXXX, so why are you guys even dare to reverse one of the XXXX that is a frad back to my account??? 

what is you guys problem, I even uploaded my proof of transaction and stop giving me false information, I hope everyone can read and understand this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got an installment loan to purchase a personal watercraft in XX/XX/XXXX with Sheffield Financial. In XX/XX/XXXX, a payment was erroneously processed as being a few days late. I called the company and they supposedly corrected the correct payment date ( which was not late ) and updated my XXXX and XXXX  credit reports. However, they did not update the XXXX report and is erroneously reporting a late payment in 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 explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Hi, I am writing because I am having trouble with Equifax credit reporting company. Several years ago my Social Security Card was lost in the mail. I put a credit freeze on my account with all XXXX credit reporting agencies. I have since been attempting to remove the freeze on my account. XXXX of the credit agencies have been great. Not so with Equifax. There are requiring me to provide a XXXX digit pin and mail in a letter. I have mailed in a letter XXXX times over the course of XXXX year. I have not received anything. I have dialed every number I can find on their website and can not get a person to assist me. I need to get my credit freeze lifted, but have not been able to accomplish this simple task. 

If you are able, please assist. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The federal loan servicer is incorrectly reporting a lateness on XX/XX/2018. I paid on time, but I was reported as late. This incorrect credit reporting negatively impacts my credit history and my ability to apply for loans and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, XXXX entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Prospect Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I obtained a XXXX Mortgage from Prospect Mortgage in XXXX thatincluded 3 months of mortgage payments. Prospect transferred my loanto XXXX who did not apply those payments so that when I made mypayment in XX/XX/XXXX they returned the payment saying I wasin default for not paying the first 3 months. I called Prospect and was toldthey no longer service my loan and referred me back to XXXX. I wentback and forth like that until I hired an attorney to assist me in XX/XX/XXXXto see if I could get a Making The Home Affordable Modification. Aftermy attorney did research it was found out that XXXX failed to applymy 3 month payment that was sent to them from Prospect Mortgage andthus made it seem like I did not make the first 4 contractual paymentsunder FHA. As the loan was a gut rehab XXXX loan with $ XXXX towardsthe work to be completed I could not live in the home until the house wasat least habitable ( with working toilet, kitchen and bedroom ). Prospectdue to XXXX 's negligence in handling my payments was informed ofthe forced delinquency and then refused to pay my contractors. So Ithen had to come out of pocket to pay them for the work they had done. 
XXXX stated they could n't give me a Modification because they didn'tfind evidence of my first 4 contractual payments which would have beenthe case had they appropriately applied my 3 month mortgage escrowand my XX/XX/XXXX payment which they returned. When evidence of thenegligence on XXXX 's part was presented their next argument wasthat I did n't live in the home. Which did not have any working plumbingnor was habitable due to their incorrect classification of me as a delinquentborrower. Prospect Mortgage has not released any money since XX/XX/XXXXfor work repairs. I need to have my home complete before the end of yearas I need to put in my boiler for the winter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was robbed twice in my old apartment. 
My computer and id documents were taken. 
Then this account apparently was opened. 

This company began contacting me and I submitted affidavits stating that wasnt my debt. 
I then received notice from court they had personally served me when they never did. 

It says in process server personally served to me and that isnt true. It was served to landlord of old address. 

I have explained to the attorney office that my name was change in 2012 Anything under my old name was changed and if not it is fraud. 
I have reported this several times and they are continuing with lawsuits. Unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I processed my payment with Citi bank on XX/XX/XXXX, the funds were electronically removed from my personal checking account on XX/XX/XXXX. On XX/XX/XXXX I attempted to use my card, though it was listed as a {$0.00} balance, the available credit was {$2.00}. 

In an attempt to resolve, I contacted Citi. The employees were dismissive and transferred me multiple times, including wrong departments, and long hold times. The ended with a Citi bank employee hanging up on me. 

As a result I filed a complaint here. 

Now, XXXX full business days later Citi is still failing to credit my account with the funds they have had in their possession since XX/XX/XXXX. 

While they have called me twice during my work hours XX/XX/XXXX and XX/XX/XXXX, they did failed to answer the phone during business hours when I returned their call on XX/XX/XXXX at XXXXXXXX XXXX CT, XXXX hour and XXXX minutes prior to the representatives state time out of the office in the voicemail they left me. I took the afternoon off to resolve this and they couldnt be bothered to speak to me when I called. 

Now they appear to be holding my funds hostage, for I can think of no reason in XXXX where a major bank would take XXXX full business days to process a payment they received electronically. Even my credit union sent the funds out Monday morning in response to a payment request processed on a Saturday. 

This bank is the only bank to have ever lowered my approved credit limit with no warning or communication. They are also the only bank to report a negative mark on my credit, a late payment that was the result of their failure to process automatic payments as they promised when I provided them my account and routing. 

I implore you, as the protection agency, please help. 

Attached below is a screen shot showing the credit available as of XX/XX/XXXX is at {$0.00} on the card, as well as proof of a posted ACH debit from my XXXX XXXX XXXX XXXX account. This ACH was processed in CITI BANKs application for my XXXX, so it was Citi that requested the funds from 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 2022-05-21
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2017-01-21
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A I have a daughter who just graduated college she has yet to find a job I contacted navient to see what my options would be instead of advising me that I may be able to pay the loan on her behalf they kept placing her in the forbearance mode now she has more than {$2000.00} and additional interest on her loan I would like to know why if it was possible for me to put pay the loan on her behalf it was never advised this is not fair I would have been glad to do so until she is on her feet now the amount of alone has gone from XXXX to XXXX I understand that there was a federal lawsuit navient and it would like to know if a parent of a student can refinance a loan for them company takes advantage of our future generation and because of there an ethical practices the future generation of this country is in XXXX

Company response to consumer: Closed with explanation