BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been here for over 10 years I 'm not really good at this or any kind of paperwork my ex always did the paperwork so to my knowledged I just paid the mortgage some how we had  XXXX  mortgages started out with  XXXX   XXXX  what the primary mortgage  XXXX   XXXX   XXXX  for the the low er one a s each year went by both increased each year well   XX/XX/XXXX   it got way out of hand and they wanted me to do a home modification to lower my payments needs to say the same thing happened in this other lender   XXXX     XX/XX/XXXX  to  XX/XX/XXXX   I left a job the following year because I wa s working full time     XXXX  and Thursday Friday and Saturday from  XXXX    XXXX   to  XXXX    XXXX  . I worked at a   XXXX   XXXX   for 17 years my body needed to take a break im almost  XXXX  soon well in   XX/XX/XXXX   a friend of mine needed a place to stay she fell ill at  XXXX  and had to let    XXXX   of he r jobs go because of lifting she and her  XXXX  kids and  XXXX  dogs  XXXX  cat as time went on I was having a had time with work had slowed down   XXXX   XXXX   and she became   XXXX   XXXX   could not work very sad to see a strong person sick but because of all this  XXXX  has made it harder for her to get better but my point that I was writing about is all these mortgage companies or scamming me and I had lost over {$100000.00} in this house and I filled out the application for the hardest hit fund and because she did not go with me I did not understand and they said will let you know in a few weeks well she called to find out what was going on and they said that we were tonight and come to find out that it was n't for the hardest hit fund it was for a mortgage something but I ca n't understand why my other lender transferred by deed without me knowing only because I wa s one mon th behind and we were already making arrangements to get this all taken care of so I am out once again and now I 'm about to be out of my home and these people that need help also not going to have a question though and I do n't think it 's fair at least companies just take but they wo n't and they make a start all back over again. Thank you

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 2020-04-06
Company: EQUIFAX, INC.
State: MD
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:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good Morning First I want to thank you for assisting me with my XXXX account the company made the updated changes to my credit report. I am writing because I recently tried to open my old Bank of America account I went in person was told I was approved then received a denial letter stating their decision was based on information from my XXXX account. I will admit I have had some financial difficulties in the past and have a high utilization I want to know why I was denied. It is because of my high utilization or high debt which will be reduced once I settle my student loan account. I am very hurt and disappointed in this matter. 
I wanted to open an account for my child to help her with her school expenses and save some money for her education. The thing is Bank of America sent me a text that my account was opened I tried call ing thru but being I do not have any banking information. 
I could not speak to anyone. I am tired of XXXX denying me. My bills are paid on time I m not in collections. I want to know what the reason is. I am also going to make a complaint to the New York attorney general office. Thank you.

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 2022-09-13
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested for a refund of all my federal student loan payments made since XX/XX/2020 per the CARES act. The amount refunded totaled to {$15000.00}. This refund was initiated and requested on XX/XX/XXXX, and from the customer service, they stated that it would take roughly 3-6 months. This is ridiculous, and I have not heard any sort of confirmation from them. I would like some sort of confirmation that my refund was requested and processed sooner, as it is ridiculous to have to wait 6 months for my refund to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: KY
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:
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. 

Here are the list of fraudulent inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ). 

Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. XXXX. 

Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). XXXX. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2021-10-29
Company: CITIZENS FINANCIAL GROUP, 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:
You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
My name is XXXX XXXX XXXX XXXX and I opened a Wells Fargo Credit card back in XXXX of 2015. As of XXXX this year the bank had not reported any of payment activities to the credit bureau contrary to their credit reporting policy which states that they need to report all accounts on a monthly basis. 
I 'm trying to accomplish a credit history using this Credit card and as result of their deceptive and unfair business practices I 'm not able to do. I reached to Wells Fargo by phone, in writing and even went to the branch and worked with a banker to resolve the issue but it remained uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I sent a dispute to Experian concerning several items that were inaccurate on my credit file. These accounts were disputed directly with those Companies and said to no no longer exist with those various offices. I demanded a investigation provided the proper information needed and nothing was done. This was the third effort to resolve these validation issues. XXXX # XXXX XXXX # XXXXOHIO DEPT OF HUMAN SERICES XXXXXXXX # XXXXI sent the same complaint to XXXX and XXXX as well with no response back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016, I disputed the account specified in the attachment with Experian. I am asking that this account be removed from my credit report because it does not belong to me. I have no idea what this account pertains to.

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 2020-04-06
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I was on a repayment plan which originally started with Ocwen Mortgage in XX/XX/XXXX which consist of a down payment of {$7000.00} and monthly payment of {$9400.00} for 11 months. My mortgage was transferred to PHH Mortgage with the same terms in XX/XX/XXXX. I have made all the payments requested through XX/XX/XXXX. When I sent my XX/XX/XXXX payment via XXXX, the payment was signed by a PHH Mortgage receptionist on XX/XX/XXXX. The XXXX tracking number is XXXX. It normally takes three days at the most to post my mortgage payment. I contacted PHH Mortgage on XX/XX/XXXX requesting an update status of my mortgage payment for XX/XX/XXXX. I spoke with my relationship manager, XXXX XXXX whom told me not to worry about my repayment plan and that he submitted a request to locate my XX/XX/XXXX payment to PHH research team. XXXX scheduled a follow up call with me for XX/XX/XXXX which during this conversation I was told my repayment plan was cancelled on XX/XX/XXXX although my payment was located and to request a loan modification. I requested a repayment plan to be reopen or to be offered another payment plan since I only had 3 more payments to make. On XX/XX/XXXX I received a letter from PHH which stated my check was destroyed and a copy of my check was included with the letter. The letter stated I must pay the total amount of the outstanding balance in order to reinstate my loan. I had a follow up call with XXXX on XX/XX/XXXX which on this call I was told my loan modification was denied and that he couldn't offer another repayment plan. I was advised to contact the foreclosure attorney, XXXX XXXX, XXXX XXXX  XXXX located in XXXX TN for a total reinstate amount and foreclosure date. PHH is fail to accept their mistake and refuse to offer any assistant to resolve this matter which can be reolve in a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Informative Research
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:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2022 a FRAUDULENT purchase came through on my cash App account. 
Ok did not make this purchase for {$56.00}. 
I immediately advised cash app about this transaction. They refused to cancel the transaction. This transaction was {$160.00} but cash app states they declined the purchase however this purchase withdrew all the funds I had on the card which was {$56.00}. 
Cash app told me they opened a claim for this transaction but they did not provide credit to extend their investigation past 10 days and they refuse to provide me any documentation or information regarding my claim. And I don't know if the claim is still even open. It's been XXXX weeks and my money has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE PRIORITY XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX  XXXX {$5400.00} XXXX XXXX {$1200.00} XXXX  XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}

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 2019-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a Khols Card underwritten by notorious liar Capital One Bank/Retail Services ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Credit Central Holdings, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company calling itself either XXXX XXXX  OR XXXX XXXX with one of the phone # 's of XXXX and by several different people ( one person named XXXX ) has been harassing us for the last several weeks. They have called both our home phone and my husband 's cell phone ( XXXX ) looking for someone with the first and last name of my husband. We have repeatedly told them the person is not my husband nor does that person live here. we have requested they quit calling to no avail. We do not appreciate their calling us at all hours nor do we need the aggravation during this time due to the fact that me, my husband and our grandson who returned from college at XXXX are XXXX   with the XXXX. my grandson is extremely ill and on XXXX. I am worn out from caring for the three of us. PLEASE make them stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I did not see the correct category so I choose this one.. I applied for a loan modification in 2012 with Ocwen Loan Servicing LLC . after many attempts of filling out countless packages of there loan applications and going through a different agent time and time again because it seems they have a high turn over of employees I have been turned down time and time again without getting an answer as of why it has been 4 years now and they finally decided to just stop helping me and shift my loan over to a company called XXXX. No cover letter no explanation of why .... Is it because of my XXXX Last Name could it be a XXXX thing with them????? I believe I have been scammed by this organization and I would like you to look into it? I am XXXX years old, I work in the movie industry I know these companies have worked with many of us who have faced work going to other states that has affected us all financially. they would not help me my husband became XXXX for one year and I explained to them I was the sole supporter they would not help me ... I want to file a complaint. I think they are a prejudice company and I want an explanation and I would like to see them audited I believe they scammed me for 4 years and now they just dumped me over to another loan company I know nothing about and I have to do all at the paper work over again!!!! Are you kidding me???? Please help me!!! during this time you see my house has gone up in value I believe that they know this and waited and waited and stalled around so they could take my house from me. There very smart ... .. and want to scam the consumer ... .. Thank you for your help! I have also sent altered XXXX XXXX minutes ... XXXX XXXX and President Obama who knows if they will ever see it but I will not stop until these guys are dealt with if I had the money I would sue them personally.. But I know there cooperate attorneys are scam artists also.

Company response to consumer: Closed with explanation