BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I note that I am the homeowner and XXXX XXXX XXXX widow of a XXXX XXXX veteran of XXXX ( XXXX XXXX XXXX and XXXX XXXX employee. On XX/XX/XXXX, I took a {$640000.00} loan ( Option One - Opt XXXX loan ). Subsequent bank is XXXX Bank, servicer sequence is : Ocwen/PHH/XXXX. Ocwen/PHH state that no payment has taken place since the property 's foreclosure status - as of XX/XX/XXXX. However, there is a satisfaction piece dated XX/XX/XXXX, but it was never recorded and has disappeared from the XXXX XXXX Clerk Website in XXXX XXXX, NY. I have a copy of the satisfaction piece ( as well as other data confirming the payoff ( credit repair company was informed by Ocwen in writing that the loan was paid off, and an IRS form stating same ). In addition, all the signatures after XX/XX/XXXX, on ALL paperwork ( including subsequent refi applications/modifications ) are not mine - someone has falsified and forged all relevant signatures, of which I have proof. Moreover, no one has apprised me of any assignments that haven taken place either. I have ALL the forged documents and have come to find out that someone other than myself has attended settlement conferences in my stead - facts that I have apprised XXXX Bank, Ocwen/PHH/XXXX of XXXX but apparently to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Starting in XXXX of 2017, multiple credit inquires were made by companies and businesses that I did n't authorize. I have a credit verification statement placed on all 3 credit bureaus yet the credit inquires were granted. I was only notified after the fact via checking my credit report. I also included my phone number to verify if I authorize a credit inquiry. I fear that my SSN was used by someone pursuing credit and now my credit limits have been decreased on 1 of  my credit cards ( XXXX ) due to these multiple inquires. All 3 credit bureaus have yet to report paid off balance or call/contact me about these numerous inquires. Also, multiple charges and cash advances were made without my knowledge as well ( XXXX ). Credit Bureaus at fault ... Transunion XXXX XXXX I have started a Identity Theft Report with the Federal Trade Commission as well ; I have already been a victim of identity theft before.

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 2022-07-05
Company: EQUIFAX, INC.
State: PA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022, I went online to check balance on a " Vanilla visa gift card '' it had {$13.00} left of original {$100.00}. When I went to store to use I was told there was XXXX  cents left. 
When I went to check balance online could see that numerous charge for XXXX cents and {$1.00} were made to " XXXX XXXX ''. 

I feel the website was hacked since it took be to an illegitimate website from the real one. When I called the number on the back of the card XXXX XXXX XXXX XXXX, they were unconcerned about their websites security and told me to call back in a week. 

I am not as concerned about the {$13.00} as I am about the scam and the cards lack of concern and that is why I am reporting to you in hopes that these scammers can be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried to close this account several times without success. A few months ago I received a bill for a {$59.00} member fee. I called and let them know I dont have an account. On XXXX/XXXX/17 I spent over 30 minutes on the phone and still was unable to close this account. Now with fees and interest they want {$120.00} for a card I have not used and considered dead for a long time. How do I make this stop? I dont even know the account number except for the last four digits that come on the statement, XXXX. I have also filed a complaint with the Michigan Attorney General, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: LendingUSA
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received an " Adverse Action '' notification from a company LendingUSA affiIiated with XXXX XXXX XXXX. I have never heard of these companies but they took an application in my name and pulled credit. I never gave this company my personal information and I never gave them authorization to pull credit. 
The letter states that I was denied a loan but i never applied for a loan with this company. The people who work at this company will not give me any information, they are rude, condescending and one person ( XXXX XXXX ) hung up on me. Teh other person is the fraud department, XXXX XXXX would not provide any information to me and told me to file a report if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.

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 2018-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX   XX/XX/XXXX 6 ) XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX   XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX/XXXX   XX/XX/XXXX 7 ) XXXX XXXX   XX/XX/XXXX 8 ) XXXX XXXX   XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX   Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX   XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX/XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX/XXXX XX/XX/XXXX 8 ) XXXX   XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.

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 2022-07-05
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am filing this complaint in response to FEDLOAN SERVICING 's stunningly incompetent handling of my Temporarily Expanded Public Service Loan Forgiveness application. They received my initial application on XXXX XX/XX/XXXX. I received no correspondence from them until around XXXX XXXX when I received a letter from them stating my application had been rejected because it was " illegible ''. I called on XXXX XX/XX/XXXX to find out what was wrong with my initial application, and I was told by one of their employees after waiting on hold for more than three hours that my supervisor had lined through an entry without initialing the correction. She said that my options were to have my supervisor contact them to resolve the issue or to file a new application. I called my supervisor on a conference line and she asked what his full name and job title were. He provided the requested information and she said that the error had been fixed, but that it would take a couple months to work through the system. I called in XXXX and was told that no action had been taken on my application due to the tremendous number of applications that had been received, and that it would probably take a couple more months. 

I called on XXXX XXXX and after waiting on hold for more than five hours was informed that they had no record of my calling at any time after the initial rejection and that I had to file a new application under the TEPSLF program. I have the names and employee ID numbers of every person that I talked to on XXXX XXXX. I understand that they settled a lawsuit for their completely inept handling of the original PSLF program, I believe that someone needs to investigate their handling of the expanded program as well, since I believe it is incredibly unlikely that I am the only person that was harmed by their total incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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:
I submitted a letter dated XX/XX/XXXX to Equifax with copies of my bankruptcy schedules, Case numbers, discharge dates, credit report, creditor report, trustee report, and dates of last payment on my account with XXXX XXXX. I originally filed XXXX XXXX under in XX/XX/XXXX for XXXX XXXX and the delinquent date of last payment on the account is XX/XX/XXXX. My bankruptcy was discharged on XX/XX/XXXX. All creditors were informed, during this time XXXX XXXX never attempted to collect the debt. I filed again for XXXX XXXX bankruptcy as joint with my husband. I listed XXXX XXXX again as a creditor ; however XXXX XXXX did not file a claim as a creditor even though XXXX XXXX received notification from the bankruptcy court, so no payment was made to them. What XXXX XXXX and Equifax have done is to re-age my credit report from the last payment of XX/XX/XXXX to XX/XX/XXXX, the date I filed my bankruptcy. They can not do this. This account is not showing on any other trade lines and I want it off my Equifax credit report. I have provided all of the information necessary in my letter of XX/XX/XXXX and Equifax 's response of XX/XX/XXXX is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My purse was stolen a few years back with all my personal indentification and other belonging inside of it. As a result I believe this account was opened because I had no idea of the account until one day when a package came that was returned to the post office to send back to sender. I called XXXX 's multiple times informing them of the inaccuracies and the rep mentioned that I would still be responsible for the shipping and late fees which I refuse to pay being that the account was fraudulent opened and their merchandise was returned. I have a police report to prove my purse being stolen causing identifying theft to be possible.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ordered a sofa from pottery barn & was offered their store card at time, I accepted however months later when sofa still unavailable I cancelled the order in XXXX, and I was told I was given full credit. Pottery Barn then changed their credit card company to Capital One two months after I was told I was issued full credit, however pottery Barn failed to have issued the full credit properly and left a {$250.00} shipping charge on my account, which was transferred to Capital One. I never knew of the balance they mistakenly left in my account, I never knew Capital One took over their store card, until I went to apply for car loan that XXXX, and my score had decreased by 150 points! Pottery Barn finally acknowledged their mistake, credited me for shipping charge I never owed, and I asked capital One to remove late payment report they refused! When I disputed Capital One reporting me late with bureaus cap one responded the account satisfied however, they refuse to report I was never late and balance was never owed! I have called, written, begged Capital one to report correctly and remove the late notice and they refuse, saying it wasnt their mistake! This one late payment still reporting against me is devastating to my credit score, and is not true! I cant have been late paying a balance that I did not owe,, to a credit card company I never knew took over their accounts, and that I was never invoiced from! Capital One even refuses to give me the account number they set up without my knowledge, so I could file this complaint! I have tried for over a year, and Capital One refuses to send me a letter confirming my payment was not late, they refuse to report correctly to the bureau, its costing me a fortune in interest charges any time I apply for something, and have been declined for new credit due to their reporting that I paid the account I knew nothing about, late! This should be against the law that they are not required to be truthful in reporting and are causing me such harm!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX EMAIL : XXXX Nation Star Mortgage, LLC DBA Right Path Servicing XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX SUBJECT : Escrow Account for R.P.L.S. Mortgage # XXXX, XXXX Mortgage # XXXX, and XXXX XXXX  # XXXX Dear Right Path Servicing Representative, I received your Annual Escrow Account Disclosure Statement dated XX/XX/XXXX and received by me on XX/XX/XXXX. 
I see that my monthly payment was increased by {$230.00} to cover my escrow account expenses. 
I would like an itemized list of the expenses paid for by my escrow account in XXXX and so far in XXXX. 

Thank you. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received several emails from synchrony bank stating that a trial deposit was sent to my amazon credit building account I dont have any amazon credit building account and when I tried to call the 866 number it was invalid. When I did get a hold of someone at customer service they said it was sent out by an error.concerned about what else they might send out in error

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 2021-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company XXXX XXXX  XXXX XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false! 

The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged.

My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.

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 2021-04-14
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime Bank closed down my account on XX/XX/XXXX, without any valid reason, with my funds in it. XXXX XXXX XXXX dollars! I sent in all the required documents that was asked of me and they still closed it down. With no reply to my emails, even went as far as not even letting me call ( blocked my number )!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received several e-mails from Synchrony Bank informing me that there had been payments received on an account which I did not make. and that there had been activity on an Amazon credit account which I do not have.

I tried to contact them by e-mail and by phone but could only get an automated response which did not address the problem. I tried to contact two of the credit reporting companies which asked for my social security number via automated system. I have no Idea how to handle this problem. If some one Is using my personal information to get credit I don't know how to stop them.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: PA
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 US DEPT ED Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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