BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage after my payment went from {$1000.00} per month to {$3100.00} per month. It was an adjustable loan modification that expired. I hired an attorney to help me submit an application for a loan modification. That application was submitted on XX/XX/2019 at XXXX. On XX/XX/2019 I received a letter stating the application was incomplete and was missing two bank statements showing receipt of rent or two most recent deposited rental checks. This was a lie by PHH. My attorney confirmed two bank statements showing all rents were submitted with the original application on XX/XX/XXXX. My attorney decided to just resend the same bank statements that were included with the original submission again. My attorney states mortgage servicers will purposely say they are missing items because they want to stall and also increase the possibility I will not comply with their request and then they can foreclose on me stating it was my fault. On XX/XX/2019 I received confirmation my application was complete. Per my attorney RESPA Regulation X requires a servicer to respond to a complete application for loss mitigation within 30 days. The 30 days is coming up on XX/XX/2019. I was expecting PHH to comply with RESPA Regulation X and respond by approving or denying me for assistance. Instead, today I received another letter stating my application is now incomplete asking me for the same items that were already submitted on XX/XX/2019. My attorney says PHH is doing this because they are still trying to get me to give up my house, they have not completed their review in the time period required by RESPA Regulation X and this is their way out of complying with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : DOE XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XXXX XXXX XXXX and the funds for the vehicle were cashed in XXXX and the remaining balance was sent and cashed by the company on XXXX XXXX, XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by COAF Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into COAF Finance inquiry to determine who requested this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Credit Information Bureau, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my credit report for a debt owed to XXXX XXXX XXXX in the amount of {$1000.00} dated XX/XX/2018 that is not mine. I have called XXXX, in fact, I have been there three times in the last two months for other reasons and have made sure that I DO NOT OWE XXXX ANY MONEY. I initiated a dispute online and the " results '' i receive are " account is confirmed as accurate ''. I don't know what this means or what was done, but I asked for documents to show what they are attempting to collect. I have clearly stated that I do not have any dates of service on XX/XX/18 and XXXX is telling me I owe them no money. How can this be reported as accurate if they can not show me what they are trying to collect? Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The BANK OF AMERICA account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.

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 2022-03-01
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of  Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against 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
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : DOE XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without 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
Consumer complaint received 2017-09-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX card by Citi no longer provides return envelope for paying your credit card bill. It is the only credit card company that I know of that refuses to send envelopes for payment. They stated it is part of cost-cutting initiative. Consumers should be protected from company policies that most likely will result in consumers paying late fees or finance charges. The risk of that is higher because Citi policy makes it harder and more cumbersome to pay your bill. They say consumers have different options to pay bill ( I.e. By phone ) - this creates a higher probability that consumers fail to pay on time due to failure to remember to call on time. Most check writers belong to older population. Protect the seniors of our community from major credit card companies such as Citi.

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 2022-07-18
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have received a statement of {$69.00} with a late fee. I have call make a payment of {$36.00} which I was told to do. Then received another statement later with 2 late fee. Call in talk to the supervisor pay off the balance and closed the account. Now received a statement with a late fee again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
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: Reporting company used your report improperly

Complaint:
On XXXX XXXX I learned from a press release from Equifax that my personal information had been stolen. This includes my name, date of birth, social security number and potentially my credit card numbers. This breach occurred due to Equifax storing my information in a insecure fashion. Per Equifax this breach occurred XXXX through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Schreiber Law LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2017 I received a letter from Schreiber/Cohen, LLC which I will attach. This letter is a notice of a debt collection for their client, XXXX XXXX, XXXX. The original creditor being XXXX , XXXX . 
I have never in my life even heard of XXXX XXXX. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both Schreiber/Cohen,  LLC and XXXX XXXX. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this Schreiber/Cohen, LLC company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to Schreiber/Cohen within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC XXXX  XXXX  XXXX XXXX agreed ( on XX/XX/2022 via email ) to transfer an appraisal to my new lender. She stated I probably wont get it transferred until early next week My lender, XXXX, and I were unable to reach XXXX during the next week. I was notified on XX/XX/2022 that PNC would not transfer the appraisal until I paid the invoice. I promptly paid the invoice on XX/XX/2022 ( confirmation email attached ). 

I was notified on XX/XX/2022 that XXXX did not include the full appraisal documentation ( SSR files ). The email stated that PNC is refusing to transfer these files. 

As a result, the loan is unable to get processed and the closing date needed to be cancelled. I had to cancel multiple reservations, including moving truck rental, security installation, refrigerator installation/delivery, internet installation, and homeowners insurance. 

I have the right to these documents, since I paid the invoice in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to a new servicer and the auto draft did not transfer, I have made the payment several times and their system is having problems processing, they have acknowledged that and assured me they would not be charging late charges or negative credit reporting. and this is their issue, I am calling them daily to get this resolved and now there is a negative report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am disputing information regarding my credit report. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX  and wrong addresses on my credit report. 
the credit bureau has not responded to my letter and i have since sent another asking them to comply and respond to my first letter which has been well over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Colony Brands, Inc.
State: AL
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, XXXX XXXX XXXX, XXXX, Wisconsin...... XXXX I paid this account off XX/XX/XXXX in full in the amount of {$170.00}. Account opened XX/XX/XXXX. I had to care for my sick, XXXX XXXX, unable to get a part time job to pay off this debt, she passed on XX/XX/XXXX. I paid the account off. 

I contacted this company by phone XX/XX/XXXX, XX/XX/XXXX, by letter, XX/XX/XXXX with no results to remove the CODE, " CO '' from my credit report. 

I asked if they would REMOVE " CHARGED OFF '', since I paid the full amount, THEY REFUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: AL
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 have disputed and called to remove this accounts that I had no knowledge of and that are still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation