BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have never had a loan with Ocwen, however they are reporting negative loan information on my XXXX and XXXX credit reports. I have repeatedly filed disputes with these credit reporting agencies and they keep telling me they have verified that these mortgage loans are mine. I 've even asked Ocwen to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. Please contact Ocwen and advise them to delete this negative information off of my XXXX and XXXX credit reports. ( This is not reporting on my XXXX or XXXX credit reports ) The account in question is showing on my XXXX and XXXX credit reports as : OCWEN LOAN SVCG LLC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CT
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 recently discovered that I am a victim of identity theft. So I am writing to request an XXXX FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.

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 2015-08-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with OCWEN Loan SeXXXXrvicing. Payments are made on the first of the month and they do not seem to get processed until the XXXX of the month. NO late fees area accessed as they start on the XXXX. They are stating no payments were made in XXXX and XXXX. All payments are made from a XXXX XXXX bank. I have spent hours on the phone with them, providing them with the actual bank statements as they wanted to make sure the amount was subtracted from the account which checks were written and withdrawn through ACH, no cancelled checks are available. They will not process the amounts and are asking for a cancelled check. I can not make anyone understand as XXXX is clearly the XXXX language of ALL agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've submitted a dispute to XXXX, Transunion and XXXX in regards to fraudulent items on my credit report. I am a victim of identity theft and have been shown a blatant disregard to my due process via the FCRA 605B ( 15 U.S.C. 1681c-2 ). My FTC identity fraud affidavit is attached. It is hard enough to have been a victim of identity theft, yet now I am not being acknowledged in my disputes and my congressional rights are being violated.

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 2020-06-19
Company: WELLS FARGO & COMPANY
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:
I checked my report and the negative input for wells fargo should of been corrected from my understanding .It was a mistake on their part and not corrected .I still do not agree with the way and amount the bank gave back.And here it is a long time later and im still fighting 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX TO 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 2015-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX holds an auto loan in mine and my daughter 's ( XXXX XXXX ) name. The loan has been paid every month on time through ACH and we have the documentation to substantiate. For some reason, this month they decided to show it as closed and sent to collections. My daughter has been on the phone with XXXX XXXX all morning and no one can explain why this has happened and what their plan is to correct it. This is not correct. We still have the car. The payments have been made on time every month. Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm reporting this timeshare XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I've dealt with their employees all claimed not to work on commission and introduced themselves as someone other than a salesperson. They promised me I would make money from this timeshare like rental income if I rent it out to others or if a resell it especially because the resale value would go up, making it a good financial investment plus. They said it had some tax benefits similar to owning a second home. They also lied telling me I will never have to pay maintenance fees again. Promised things would be positively different each time things got worse. They offered gifts such as free vacations, gift cards, gas etc. We felt pressured to decide right away because they're saying they have to get a " corporate '' approval to grant us the price being offered & telling us things like it's our last chance at the lowest price. Everything was rushed as we were never informed of the fees involved, they didn't even allow us or gave us enough time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulties because of this timeshare due to the high monthly payments but we can't even use it which is really useless. We even lose sleep over the stress caused by this timeshare. They lied about things and withheld information that are supposed to have been informed to us. They enticed us telling us this can actually be for our family future. Those lies & extremely deceiving sales tactics, we were simply defrauded and taken advantage of.

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 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have asked Transunion to send me copies of my original sign documents of the FCRA ACT SECTION 609 I have asked them 5 times to please send me the info and they have fail to do so at this point they are in violation of the fcra section 609 ( a ) ( 1 ) ( a ) also 611 ( 5 ) ( a ) which clearly states me as the consumer has the right to ask the reporting agencies to provide this info if they are unable to they must delete the item this is a federal law.

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 2015-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as " deceased ''. 

The XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my " non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the " Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. 

I inquired of your employee when, who and how I came to be shown as " deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to " deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as " deceased '' should become an issue that I have to fix!!! 

Your immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of " deceased '' is changed to " living '' in your data! 

With quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Please see prior complaint XXXX. This issue remains XXXX and is

st ill yet to be solved.

I suspect this is one of the 3 cards I have but have been cancelled. I tried to pay for something using the credit and the debit card and they both don't work. I think this was due to to the cancellation of several in the sending. 

Please check the records of the account, I have been unable to access them still. I got another XXXX slip and when I went to collect at the News-agency it was not there. XXXX has bought out XXXX and there are loads of delivery issues as a result. This however is a responsibility I can take on.

I think what has hap

pened is the latest ones to be sent have only turned up this week. This is still really unacceptable. I have sent 3 emails in the last 2 weeks to the bank requesting the following : I am still awaiting the arrival of the XXXX credit card. I am still awaiting confirmation of the active card number for the visa debit card. I am still awaiting confirmation on how refunds processed on the XXXX card are handled. Access to internet banking without a US phone number given they took on overseas customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a gift card for {$100.00}. Upon activation, the funds were used in another state. I contacted the company XXXX/Vanilla Visa for assistance and they said for me to complete a fraud dispute. I completed their form, submitted the requested information on XX/XX/22 and they indicated it would take 90 days to complete the investigation. I have made several attempts via telephone/email to get an update and/or response regarding my request and the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
I recently wrote you a request to look into the information that I had previously questioned. I don't allow e-Oscar or any other automated type of verification because it's inconvenient and makes me angry. I retain the right to launch a law suit against your firm or any company you represent if the material is not immediately reinvestigated and removed, and if you continue to break the law under the Fair Credit Reporting Act.

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 2016-01-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Numerous times I have tried to apply for the HAMP Program with our current mortgage company Ocwen Loan Servicing , LLC . I have emailed, snail mailed, faxed and even uploaded their requested documents via their website. They keep sending me letters stating they need all the same info I keep sending them. Then I call them, and they say things are being processed. This truly is the worse company I have ever dealt with. I know that the HAMP & MHA Programs will be discontinued this year and I think they are just stalling so they do n't have to comply. Please help me. I am soon to lose my home, I have just claimed bankruptcy and I want and need to keep my home. I am on XXXX, my wife is trying to get on XXXX and we have a XXXX year old son.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Someone has opened this account with a pay history. I am a victim of identity theft and I want it removed from my XXXX and XXXX report. They are indicating that I have seven missed payments which is completely crazy. I just want it removed

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 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my credit card account spontaneously and did not give me any reason as to why. I called them directly. XXXX from BOA was unable to give me an explanation. 

I have fantastic credit. This move on their part will severely damage my credit report. I would never have signed up to use a Bank of America credit card if I knew this is how they treat their customers. For the record, I have never missed a payment and do not carry a balance. 

Additionally, now I have to change over all my automatic payments. 

If you are reading this, do not sign up for any Bank of America services. I am done with them and will tell anybody who will listen to stay away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: PNC Bank N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Pnc not closing accounts as ordered failed to return {$5700.00} put check on hold for over 1 year without any due diligence or any attempt to validate or dishoner check in question. Then after Pnc closed my account In XXXXXXXX XXXX XXXX withholding my funds this entire time until complainant filed with Cpfb and FDIC then Pnc without my authorization reopened account and removed hold on check but froze account due to alleged suspicions on account wich I cleared that up and took full responsibility as it was out of pure necessity for my survival And if due diligence in investigating check ownership and contacting issuer for clarification or validation of my transaction under creation of remote checks law I was within my rights and authorized by all payees to reset a remote check for redirecting funds according to previous contract between landlord and mr XXXX XXXX who are both payees on instrument wich all documents official letters etc have been provided to Pnc at Louisiana branch in XXXX and executive customer relations team please enforce law on institution or forward to agency of authority Note******* ongoing issue NOT a DUPLICATE complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I'm writing this complaint to inform the CFPB of an adverse action take against me a consumer. I've been a valued member of American Express for some years now and had no issues concerning my open end credit plan until now. I was 9 months pregnant and my due date was approaching and I had a family emergency. The primary purpose of this open end credit plan is primarily for personal family and household use. I needed to use my credit card to pay a unexpected bill that occurred because of my pregnancy and also to get some more things before my babygirl arrived. I was expecting any day. I tried to use my credit card and was shocked when the transaction denied because I double checked the balance to ensure I had the money available. I tried again and it didn't go through so this is when I became very alarmed. I was in the middle of an emergency and could rely on my open end credit plan at the moment I needed to most. The original limit on my open end credit plan was XXXX I then opened the app to my credit card account and see that American Express had decreased the limit to XXXX on my open end consumer credit plan without proper authorization or consent. I was shocked by this jus suddenly happening to me with no reason or explanation. I immediately felt sick, I was 9 months pregnant and hit with sudden financial injury. I spoke to several representatives who informed me that I had to pay them in order to get the limit I needed back. This is an Adverse Action and they are Guilty of taking 1 count of adverse action against me on XX/XX/2022. I am the beneficiary for the open end credit plan, American Express decreased the limit to my opened end credit plan but they have no authority to do. this was unauthorized use pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation