BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
This is my 7th Complaint addressed to the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following fraudulent items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received collection notices from this company regarding a medical debt and I believe the they are trying to collect a debt that I do not owe. 
I have contacted the original creditor and they do not have an account that is tied to either my name or my social security number. Also, on the validation document that I received from the creditor, the name is not spelled the same as mine, the address is to a place I 've never lived, and I have never been treated at the hospital in question or on the date of services listed on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I had a care credit account show up on my credit report back in 2008. I had contacted them to let them know this was not my account and asked them to send me supporting documents to provide me proof that it was my account. To this day the company has never sent me any documents and I have never made one single payment to them. The account has been a charge off account on my credit report for almost eight years.

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 2016-10-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
For inaccurate reporting and failing to properly investigate in the allowed time frame by 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 explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by TransUnion, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), TransUnion has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. XXXX - # 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 2016-02-29
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother took my son XXXX XXXX on XXXX XXXX 2013 and provided XXXX XXXX Hospital with his Medicaid XXXX card member id # XXXX. The hospital was paid but the dr 's office XXXX XXXX was not and never received any bills from them. I had this account removed from my credit report last year because per Florida Medicaid law when a recipient has Medicaid and provide the hospital with their insurance card they are not liable for any hospital bills from the visit. Per Medicaid they can send the bill for payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
RE : Ocwen account # XXXX I have spent this past year attempting to short sale my home. I have done everything that Ocwen has asked ; submitted the appropriate paperwork, responded to and scheduled phone calls with my " XXXX '' and was given a verbal approval in XX/XX/XXXX to pursue a short sale XXXX no paperwork provided XXXX. This is after they denied me a deed in lieu and offered me a remodification that I could not afford ; they attempted to bully me into moving back into my home by denying a short sale. I have even had large orange notices posted on my door to publicly shame me ; this is illegal in the state of Pennsylvania. I regularly scheduled appointments with them to update them on the sale of my home ; their last scheduled appointment with me was on XX/XX/XXXX. Each scheduled phone call required that I begin back at square XXXX, explaining my story and reason for short sale while the " relationship XXXX '' claimed that this information was not already there. I repeatedly asked for transcripts of our conversations and even asked for them in writing but it was never provided. 

As soon as I had an offer on the horizon, Ocwen stopped contacting me by phone. The first offer was submitted on XX/XX/XXXX ; they did not respond for XXXX weeks. The buyer wanted to close on XX/XX/XXXX. Ocwen claimed they did not receive the offer despite the fact that it was listed on Equator and my realtor had a confirmation receipt of the listing. My realtor resubmitted the offer. They declined the offer and said it needed to be within 10 % of the appraisal ( for which I was never provided a copy ). The buyer provided a new offer, almost within 5 % of the appraisal ; my realtor uploaded it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I contacted Ocwen to see whether the sale was approved ; the buyer wanted to close before XXXX. They stated, again, that there was no new offer, yet my realtor has confirmation of its posting to XXXX. He submitted it again on XX/XX/XXXX. On XX/XX/XXXX, my realtor confirmed with Equator tech support that an Ocwen employee named XXXX removed everything from the system pertaining to my house. My realtor now has to do it again. 

This is mortgage fraud. They are deliberately attempting to prevent the sale of my home so that they can foreclose and get a payout from the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CBC Companies, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX this company ran my credit without my permission. Which then added a inquiry onto my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a teacher by trade and had stopped teaching to take care of my elderly parents who haverecently passed. I had contacted my mortgage company PNC to get a equity loan to survive until I could get back on my feet. PNC stated they do not do equity loans and would need to find another institution to help me. To no avail I could not get loan without a job. I had good credit so I took out a personal loan of XXXX. In XX/XX/XXXX.I contacted PNC again to apply for the HARP loan. I completed all the packet and waited about a month. I was told they did not know I lived in Texas and I was disqualified from the program since I had taken cash out for an AC in XXXX, I then was told about the HAMP, but I needed to be delinquent in my payments so this is MAY now and they needed another packet. School is now out for the summer and I needed to completed another packet.I am now delinquent as they asked. The situation gets worse now I am in foreclosure and today they want XXXX to make 3 months current now. Please Help! This is my home and I plan to stay and live here. I did what they had asked and they are not helping, they are trying to take my home from me. 

Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: First Associates Loan Servicing LLC
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX XXXX XXXX keeps calling about a private student loan that was not signed by me. I have the documents that shows no signature. This loan is a school loan through XXXX. I did not take out private loans for this school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Years ago, my mortgage was sold to Ocwen Loan Servicing , LLC . On XXXX XXXX, 2014, I received an official letter from Ocwen Loan Servicing , LLC confirming my successful enrollment in its Automatic Clearing House ( ACH ) program. This letter was in response to recent efforts intended to ensure payment of my monthly mortgage while I was on international travel beginning XXXX XXXX, 2014, and without access to regular mail or telecommunications. 

Upon my return to California on XXXX XXXX, 2014, I checked my credit score using the mobile application " XXXX XXXX '' as I regularly do. It was then discovered that my credit score had dropped significantly. Further investigation resulted in the following discovery : Immediately, I contacted the company to resolve the issue. After literally hours of miscommunication and misunderstanding with the company 's horrendous XXXX-based call center, it was discovered that, contrary to what was stated in their official letter written to me, Ocwen Loan Servicing , LLC had failed to enroll me in their ACH program. It was also discovered that the company had failed to notify me of this failure. It was admitted that the company had made no attempt to notify me of the failure by regular mail, electronic mail, or telephone. Fully admitting their blunder, Ocwen Loan Servicing , LLC agreed to wave all associated late fees. Further representing my level of responsibility and good faith, I then paid the entire remaining three-month balance in full during the same conversation. 

Still, somehow, this catastrophic malpractice resulted in the reporting of a 60 day late-payment notice to the XXXX major credit bureaus. I pleaded with Ocwen to contact the XXXX major credit bureaus and remove the unjust blemish from my credit score. I was told to submit a case to their credit reporting department, which I did. This process was painfully inefficient and wildly confusing. Two-weeks later, I finally received a thick packet of fine print ultimately explaining that Ocwen was refusing to remove the credit blemish. 

It is unjust that XXXX be subject to the incompetence and deceit of a company for which they had no choice of the matter. This is especially true when concerning a repulsive and scandalous company like Ocwen Loan Servicing, which has been subject to XXXX dollars in fines as the result of multiple lost lawsuits for blatantly lying to and deceiving the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mom had past away and the morgage is in her name I have all the documentaiton Power of Attorney house was left to me and I am deeded to the property, So my house is not in a foreclosure status with Sale Date attached to it being serviced By OCWEN SERVICING COMPANY they are suppose to be helping me with this loan Modification and all they are doing is giving me a Big run around and i have complied submitted all paper work and still now they are telling me there is nothing they can do for me. I want to save my home and they are not helping me at all There is a sale date on my Property and this is scaring me that I will be evicted from a property that I am trying to save in everyway

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC Bank issued a check to us to the wrong address in XXXX 2013. We have repeatedly contacted them to reissue the check to us at the correct address without resolution or response. The check is in regards to a settlement with federal regulators for fraudulent and faulty foreclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. 

Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: Atlantic Credit & Finance, Inc.
State: MT
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted by collection agency H.P Sears about a debt I supposedly owed to a former property management agency. XXXX property management. In the amount of {$4300.00}. That was XXXX XXXX, 2015. It was the first time I ever heard about it. I was never contacted by XXXX property management or anyone else about this supposed debt until that day. So at first I thought it was a scam because he could not tell me why I owed so much. He just wanted me to pay it. Then went on to use threats of legal action from there legal department. I said I would not pay anything until I knew what I was paying for. Then he said it was for rent in the month of XXXX 2015 which is XXXX dollars but he said back rent was over XXXX dollars. I said I moved XXXX XXXX, 2015. How could I owe XXXX dollars? They kept my deposit. He said there was no deposit. I said Ok let 's move on what is the other XXXX dollars for? He said I do n't know but I will call you back in XXXX days with a itemized list I said OK do that. At this point I really though it was a scam but he calls back the next day and says he has the itemized list. I asked what was on it, he said about XXXX was for back rent XXXX for broken widows. There was no broken windows. I believe XXXX for screens and another XXXX for carpet cleaning and XXXX for labor but he could n't tell me what was fixed. I started to dispute charges and he said it better I do n't fight it. The best thing for me to do is is accept it and make an offer to them for XXXX dollars. I told him I thought this is a scam I never heard of this debt it 's been XXXX months the last time I spoke to anyone from the property management company all they said is that they needed the other set of keys. He said ok. I hung up and thought nothing else of it until I was checking my credit report and saw that XXXX was sent to XXXX credit reporting agencies. Like I said I never received a letter a phone call nothing. I do n't know how long the home was empty after I moved out. We had a brake in while I lived there and put in a alarm system. Someone could have broken in after I left. That does n't mean I 'm responsible for the damages and it 's unfair to try to make me pay for it. There were a few things wrong with the house so a representative form the property management company came by a few times and noted how well we kept up the house. Me and my roommate are both XXXX we were hardly even at home. If there was that much damage why not contact me right away so we could deal with it then not three months later. Because there was no damages that 's why.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX hard inquiries by CBNA ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) appear on my credit check provided by XXXX. Neither of these hard inquiries were requested nor approved by me. I was not only living overseas during this time period but also delivered a baby -- seeking an additional line of credit is not something I did. 
XXXX is unable to resolve the unapproved inquiries as they said they only report on the facts. Thus I called Citibank who would not provide me any information other than requested I " contact the credit bureau '' and suggested perhaps there was fraud. 
I believe either CBNA made unauthorized checks on my credit history or someone was attempting to fraudulently open a line of credit in my name.

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 2015-07-01
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2010 CitiMortgage, Inc. recorded a judgment on me in the County Courthouse. I have paid all the money to CitiMortgage , Inc . They refuse to release the judgment from the courthouse. This is stopping me from selling my house. CM tells me the lawyer who recorded has to release. The lawyer tells me CM took the account from them and they have no authority to release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: FC HoldCo LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Flagship credit acceptance performed a hard credit inquiry without my authorization on XX/XX/2021. I tried calling the phone number provided by the alert I received number was invalid. I filed a dispute for the hard inquiry thru XXXX also put a freeze on my account.

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 2016-10-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Macys American express credit card through Citi Bank has personally disclosed my information to un authorized callers. This company has mistreated me & my information in several ways. Citi bank has participated in Illegal business practices towards me personally.

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 2015-05-28
Company: NELSON AND KENNARD
State: OR
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Blackhawk Network Holdings Inc.
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Blackhawk Network locked my reloadable debit card. Blackhawk Network locked my reloadable debit card, without cause, contact, or reason, immediately AFTER I loaded almost {$1000.00} to the account.

Company response to consumer: Closed with monetary relief