BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Embassy Loans
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Between XXXX XXXX, I applied and received a {$2500.00} title loan from Embassy loans XXXX I used the money to pay my rent for my business at the time. It wasn't even the end on the month of XXXX, when they repossessed my car. I never had a chance to make a payment. I contacted the company in XXXX, and was told that i was supposed to make a payment with the first 10 days of receiving the loan.So for them to report on my credit to make it seem like I made 2 payments is beyond me. XXXX of 2021, when I went shopping for a vehicle, I notice the inaccuracies on this tittle loan. It wasn't fair to me that I wasn't given the opportunity to pay my loan off. Now, this has came back to haunt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got a card from XXXX  XXXX and was approved for {$300.00}. Made a transaction and paid for it XXXX and tried to get approved for {$500.00} and was denied. XXXX XXXX closed my account XXXX and said I owed about {$900.00} and tried to collect on a debt paid. I just got a bill 2 week 's ago and they reopened a XXXX XXXX XXXX debt on my credit report with an attempt to collect money not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX Ocwen Loan Services received a default judgement on my home. I filed Bankruptcy and the case was stayed until XX/XX/XXXX. On XX/XX/XXXX my Deed and Trust and Note were transferred to PHH Mortgage. Ocwen Loan Services and and their Substitute Trustee, XXXX XXXX XXXX of XXXX XXXX XXXX, have continued to try and sell my house in Judicial Sale. The have no legal right to sell my home because they no longer own the debt. PHH Mortgage has agreed to work with me to avoid foreclosure. Ocwen Loan Services and its appointees are committing fraud by moving forward on a foreclosure sale on my home. XXXX XXXX XXXX and Ocwen Loan Services have illegal foreclosed on my home since XX/XX/XXXX when my loan was transferred. I have asked Ocwen Loan Services and XXXX XXXX XXXX to cancel the illegal selling of my home and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: VA
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 XXXX Account numbers : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX have violated my rights.

15 U.S.C 1681 Section 602A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX  Account numbers : XXXX  XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: TFC Credit Corporation of California
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:
THESE ACCOUNTS REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VALIDATED. FOR A FINAL TIME BEFORE I SEEK LITIGATION WITH MONETARY COMPENSATION, I AM HEREBY OFFICIALLY REQUESTING THE ORIGINAL CONTRACTS ( For Inspection ) including ALL pages WITH MY ORIGINAL SIGNATURE ( no copies ) and also provide an affidavit certifying that you did not breach any federal state contractual, commercial or consumer laws in carrying out the alleged contract and associated transaction. Also provide a transaction history with dates and details of payments. Finally, certify that you did not unlawfully use my signature to materially alter, falsify, or endorse any contract bearing my name or signature INTO A SECURITY, in order to convert my contract into assets, or gain assets from a third party. You MUST certify and prove that you are an actual LENDER as defined by law. You are bound by law to provide this information upon request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act and FCRA. TFC - XXXX & XXXX XXXX - XXXX. REMOVE ALL INCOMPLETE/INACCURATE ACCOUNTS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an error on my XXXX XXXX XXXXt Acct # XXXX on my credit report. It was never late and should show never late, paid as agreed on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original purchase of the vehicle in question from XXXXXXXX XXXX. Due to loss of income as result of XXXX XXXX, I did a volunteer turn in/repossession of the vehicle approximately late XXXX/early XXXX directly to the the XXXX dealership in XXXX AZ. Some time later I was advised by letter that the vehicle I purchased two years before for {$50.00}, XXXX had been sold for {$20000.00} and was contacting me for a " balance '' due of {$29000.00}!! No documentation or proof of this claim!!! 
The current rent collector also has not provided proof of this alleged sale amount which would have been a low ball sale on the part of XXXX XXXX ( dilberate???? ) to penalize me additionally!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XX/XX/XXXX Indiana XXXX XXXX Indiana of 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 explanation
Consumer complaint received 2018-09-02
Company: Experian Information Solutions Inc.
State: GA
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 {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A.  law. 
There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1- On XX/XX/2020 tried to make payments online and there was no Make Payment link on the website I had been using to do this for about a year. It seems they are coercing customers to either pay by phone which involves a FEE OR one is coerced into signing up for AUTOMATIC payments! 

2- When I tried to send a letter by email using their email link it consequently disabled my ability to open the website at all! They are forcing customers into delinquency! I OBJECT! I will not stand by and allow myself and others to be coerced into delinquency which would impact credit scores!!! Contact them immediately please! Can they force me to sign up for automatic payments? 

3- This company is price gauging customers in the sense they have twice sent letters to recast ones mortgage to lower monthly mortgage payments which consequently adversely increases the interest at HIGH percentages! They cleverly neglect to say this in writing! All they say is that you will have a lower payment and they expect customers to figure it out ourselves that they ONLY put the higher interest level in numbers - without ever putting it into writing that you will be paying more!!!! That should be illegal! 

4- This company PHH mortgage is part of OCWEN and I do not trust this company ( PHH to be competent as they claimed to lose checks I had mailed in, twice!!! 

Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Information belongs to someone else

Complaint:
These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2018, I went to check on my {$15000.00} CD account with Bank of America. I have evidence of this account for several years, then tax reports stopped. I did not withdraw the money. However, they could find the account number, but no funds. Their research and investigation department searched for it twice and could not find the money, nor any documentation of what happened to it. They sent me a letter that this investigation case is now closed as of XX/XX/18. 

I obviously want my {$15000.00} plus the interest earned for all these years. 

I have checked twice with the State and they do not have it as unclaimed money. 

Please help. 

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 monetary relief
Consumer complaint received 2020-12-17
Company: United Group Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XXXX I had a vehicle repossessed after former employer bounced checks. " XXXX '' from United Finance told me the day it was repossessed that paying for it in full was " not an option '' and that the vehicle would go to auction and I would be stuck with the balance owed. During attempts to collect debt XXXX was on my XXXX account and he would call me when I posted food like XXXX XXXX saying " You can afford to eat out, you should be able to afford paying your bill. It sure looks like you eat a lot '' and I took that as a personal attack on my weight. It was then I let him know never to contact me or I will pursue legal action. I had ignored phone calls from United Finance for years and after letting XXXX the manager at the XXXX branch know why I assumed they just gave up. I was never served any paperwork and never notified of any court date, but now that I've gotten a job years later I am being garnished. This has caused a lot of emotional stress in my life as things are tough enough having to deal with COVID and getting a " normal '' job for the first time since XXXX, I've been a self-employed entertainer most of my life. 

On XXXX XXXX some friends of mine called United Finance to find out what it would take to pay off the debt as a XXXX Gift. " XXXX '' said he needed me to call and give permission to talk to them. My friend called and pretended to be me and told XXXX he could discuss my account details with my friend. At that time he was very rude and said " Come up with {$5300.00} by Friday or {$6500.00} over the next 30 days and we can call it good ''. Garnishments started on XXXX XXXX, I've now lowered my XXXX so I can have money to live and pay bills after finding out about the garnishment. I'm almost willing to quit my job, this is creating so much stress in my life. United Finance is the worst finance company in my opinion and they are absolutely dishonest, they take advantage of people not knowing the law, and they scam people every chance they get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I disputed an account that doesnt belong to me, no written information received that this debt belonged to me. XXXX XXXX XXXX in the amount of {$480.00} XXXX Ross is an unknown account to me, I did not open this account in XXXX therefore this account doesnt belong to me. The dispute came back XX/XX/2021 stating that account was verified. Account was nit verified and information was not sent pertaining to this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted to PennyMac the note with my original signature and notarized on XX/XX/XXXX. They responded on XX/XX/XXXX stating they would conduct a full review of my loan. Then on XX/XX/XXXX letters were sent which will be attached requesting them information on my loan. Which were notarized and sent certified mail. On XX/XX/XXXX they responded stating thank you for requesting a reinstatement quote. Then on XX/XX/XXXX I received a letter that they were currently conducting a full review of my loan. Then no response and then found out they have filed foreclosure on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX  XXXX Balance : {$6900.00} , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6900.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-18
Company: BBVA FINANCIAL CORPORATION
State: GA
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: Billing dispute for services

Complaint:
Dear Federal DIC ( FDIC ) : BBVA, Banco Bilbao Vizcaya Argentaria, Bank ( headquartered in XXXX and XXXX Alabama ) IS NOT IN COMPORTMENT WITH REGULATION E. 

( 1 ) I FILED A DISPUTE on XX/XX/2020 ( SUNDAY ) to facilitate A CHARGEBACK to XXXX XXXX located at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) in the amount of {$840.00} ( {$590.00} directly charged to BBVA debit card ) because XXXX XXXX committed FRAUD AND THEFT BY DECEPTION AND THEN BECAME MENANCING. The XXXX Georgia ( ZONE 2 Cops ) were notified and A POLICE REPORT FILED ( XXXX ). XXXX XXXX and XXXX have been issued a notice to CEASE AND DESIST LETTER for annoying and harassing email and telephone calls. BBVA bank is refusing to issue the REFUND NOR ( AT THE LEAST ) A PROVISIONAL CREDIT TO MY BBVA ACCOUNT PURSUANT TO REGULATION E. I REQUIRE MY MONEY AND ALL STEPS HAVE BEEN TAKEN FOR BBVA TO ISSUE A CREDIT OF {$840.00}. BBVA IS NOT IN COMPORTMENT WITH REGULATION E AND IS REFUSING TO ISSUE A PROVISIONAL CREDIT. I NEED ALL MY MONEY.

( 2 ) BBVA HAS ISSUED THE {$250.00} PROMOTIONAL INCENTIVE. BBVA IS FACILITATING RANDOM ACTS OF FRAUD TO BE COMMITTED ON MY BBVA ACCOUNTS ( WHICH ARE IN EXCELLENT STANDING ) AND I AM ENCOUNTERI
NG THE INCONVENIENCE DUE TO BBVAS LACK OF ACKNOWLEDGEMENT TO UNITED STATES FEDERAL REGULATIONS AND BBVAS INCREDULOUS LACK OF EFFORT IN HOLDING THE CRIMINAL MERCHANTS ACCOUNTABLE. 

Sincerely and Respectfully, XXXX XXXX XXXX  XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Grain Technology, Inc.
State: GA
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:
I have been trying to pay off my credit debt with them this entire month but have been constantly having the problem saying that they can not connect to my bank, and the only way to fix that is by contacting them. I contacted them twice by email, one on the day of XX/XX/2021 and got no response to that but an automated message that said they will contact me. Another time on XX/XX/2021 and said they are currently out of office and will contact me back when they are in office, and still no response as of XX/XX/2021 which was the day my payment was due. On XX/XX/2021 I attempted to call them and was on hold for over 6 minutes and was told that there was no available representatives. I then proceeded to contact them over text message as that was an option and was told I will get a response within two days and still got nothing. I am afraid of getting a negative impact because of missing a payment when I have been attempting to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$170.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$170.00} -This is not 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 non-monetary relief