BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My wife purchased a Vanilla pre paid Visa card for my birthday in XX/XX/2022. The card is blocked and I am unable to use it. I called customer service and they are telling me to do things that are totally impossible to do such as getting a receipt which I no longer have. I want the card activated so I can use it. I know when it was purchased and where it was purchased. I am not getting anywhere and I am out {$100.00}. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two rental property mortgage loans with Ocwen Loan Servicing. For much of the past year, I would mail my payments at the end of the month always adding extra to payment to cover the late fee. They would never apply the late fee, instead placing the extra portion of payment into a unapplied account. I did n't make payments online because I was trying to avoid their XXXX XXXX XXXX  payment fee they place on internet payers. My accounts showed 30 days late for sometime. One of my properties, they came up with around {$500.00} of extra fees, of which I paid last month. The other property of mine, they are accessing {$1000.00} worth of fees. The other property is a home that was destroyed by renters years ago. I have completely gutted out the house, there is only wood framing inside. I 've slowly been renovating it. I went to the house to retrieve a washer/dryer in storage and found that Ocwen had locked me out. I called the number of their subsidiary that locked me out and they immediately gave me access to the house. They told me that the loan appeared to be current. In the process of lockout, the company damaged my garage door with a grinder ( cutting off my lock ), they stole a gallon of bug spray and a tarp that I had covered over a washer/dryer. They placed winterized stickers on toilet flange and drain pipes sticking out of walls. The house is mainly down to wood framing with nothing to be winterized. I 've been slowly in process of remodeling the house, I had some construction material near a room I began sheet rocking. For some reason, they moved those items to a stack of new sheetrock I had on floor. The stickers where dated XXXX XXXX, 2017.  It was less than a month later that I realized this happened. Ocwen is generally very unhelpful with questions and has terrible service. I did place a complaint to their website. Their customer service rep contacted me regarding these issues. She was the only friendly person I had ever spoken with at Ocwen. Unfortunately, she was not able to help with any of the fees. It was pretty much out of her hands. Ocwen 's standpoint was that since the property was vacant and I was 30 days late on payments that they had every right to lock me out and charge secure and maintenance costs. All of these fees related to my two mortgage loans are just forms of legal extortion. It 's morally and ethically wrong for a business to practice in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting 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 was declined for a recent credit loan due to fraudulent activity under my name and social security number. I pulled my credit and it shows too much debt to income. One of the reasons was that a credit card was taken in my name for XXXX. During this time period, I was sailing around the world in the XXXX XXXX and never applied for this credit card nor did I ever have it in my possession. I am XXXX due to illness at present and am attempting to get off XXXX to function as a productive member of society. I applied for a boat loan and was denied due to debt to income ratio. I am being discriminated against and denied my fundamental right to credit.

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 2023-04-05
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Balance : {$41000.00}, XXXX XXXX XXXX XXXX Balance : {$4600.00}, XXXX XXXX XXXX XXXX Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
De ar Sir/Madam,  This is in regards to  my CitiBank accou nt #  XXXX . In  XXXX   XXXX   CitiBank ha d a promotional offer of {$400.0 0} if one opens  a new checking account with initial deposit of {$15000.00} within 30 days of opening such an account and keeps this balance in the account for at least 90 days. On  XXXX / XXXX / XXXX , I applied for such account online and attached pdf file has all relevant information of my interaction wit h CitiBank a bout this matter.     On  XXXX / XXXX / XXXX  I received a confirmation that my account is now active and ready to be funded ( please see pag es 1 and 2 of the at tached file ).     On  XXXX / XXXX / XXXX  the money has been deposited into my account ( please se e pages 3,4  an d 5 of the  attached file ). ).     After 3 months of the opening of the account I started inquiring regarding {$400.00} bonus. I could not get a clear answer, was transfer f rom one depar tment to another, and just to get rid of me was required to fill out different forms and sent them back, which I did.     Calling the bank, waiting to be transferred to different departments, filling out and mailing different forms took substantial amount of my time, but I still wanted to get what have been promised, besides the bank used my {$15000.00} absolutely free now for 7 months.     Finally on  XXXX / XXXX / XXXX  after several attempts to resolve this matter over the phone, I received a letter stating that my account does not qualify for this promotion because the required deposit was not made within the stated time frame ( please see the la st ( 6th )   page of the attached document ).     As indicated by the dates of the attached correspondence, I followed all terms of  CitiB  ank 's promotional offer and I feel that I have been defrauded by CitiBank, where   they used my money without fulfilling their promised obligation. Thus, I would like to kindly ask for your help in resolving this matter. Please do not hesitate to contact me at  XXXX  XXXX  XXXX  or by calling  XXXX  if you have any questions or require any further documentation.     Thank you in advance.    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 explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: AR
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:
I was a victim of the data breach settlement was Equifax. There were accounts opened in my name using my information. Ive sent letters and contacted Equifax so many times and nothing has happened and they always send a letter back stating the debt has been verified and there absolutely no way youre verifying a debt that doesnt belong to me. Because of this data breach, I was a victim of identity theft and its impacting my credit. Please remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a previous complaint XXXX This suppose to have been resolved. It was not. XXXX XXXX was suppose to have waived all the fees and correct my credit report. He was suppose to had sent me a copy of my mortgage that was redone with the rate of 3.75. He did not. Now they have sold my mortgage to another company adding more money than what I am suppose to owe. I sent them XXXX to them in XXXX stating that I am showing good faith that they would fix what they promised. They still did not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX Eastern time I called Experian to get a status updated. Ive sent out multiple dispute letters and complaints to have the eviction removed from my report dating back to XX/XX/XXXX. I havent received any update. When I called today the representative informed me that shes unable to give an update, remove any incorrect information, give me any information on the creditor to directly reach out to resolve the matter. The representatives name XXXX was rude and not helpful. I asked for a supervisor and was denied multiple times.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: AR
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 XXXX, Account # XXXX has incorrect information, in this report of XXXX XXXX states my last payment was made XX/XX/2018, However the payment history chart shows my last payment was XX/XX/2018. Under ( U.S.C Sec 1681i ) it states that if you cant provide proof the account must be deleted.

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 2019-05-27
Company: Experian Information Solutions Inc.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-08-15
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:
The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more!

In accordance with the Fair Credit Reporting Act, everything has everything must be 100 % accurate on my credit report.

The credit bureau 's stated my accounts were properly investigated, but how is that possible if the last active dates and dates last reported are inaccurate? This is grounds for removal.

They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A, Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I did not give anybody any 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 2019-08-09
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Transworld Systems Inc on XX/XX/2019. The leeter stated they were collecting a debt for XXXX XXXX XXXX XXXX in the amount of {$260.00}. The letter also stated I had a past due account with the company ( XXXX ) who attempted attempted to bill the charges to my credit card, but the charges were denied. I have never used XXXX and I do not have an account with them. They have never sent me notices to explain any debt they believe I owe. 

After researching online I have come to see this appears to be a common scam which may involve identity theft and theft of credit card numbers. 

Earlier this year someone used my credit card number to place an order out of XXXX XXXX XXXX, but that charge was quickly discovered and denied. The order never went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: LendKey Technologies, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
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 My and my wifes credit was consistent with the guidelines, our income is more than sufficient to cover the loan. I was informed that my housing allowance which is monthly income reported on my w-2s annually and taxed was being disqualified as income. This would make me ineligible based on my debt to income ratio. This is unfair and unethical business practice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: AR Resources, Inc. (FL)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX , I contact AR Resources  ( Add ress :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , PA  XXXX  Phone : (  XXXX  )  XXXX  ) to request documentation regarding  XXXX  charges they posted to  XXXX ,  XXXX , and  XXXX . I did, however, provide the  XXXX  account numbers appearing my credit report, and the agent stopped me after the  XXXX  digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names.     I also informed them that the debt was covered under a  Letter of Protection accepted by the original creditor, and I am in constant communication with  my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me.     Additionally, health insurance was provided at my initial visit to the actual creditor :  XXXX   XXXX   XXXX  and  XXXX  (  XXXX  ). Neither  XXXX , or AR  Resources  attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in  XXXX , but they are falsely indicating that the account open date is  XXXX / XXXX / XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Navient Solutions, LLC.
State: NJ
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:
In XXXX I graduated from XXXX University with a XXXX XXXX and approximately {$85000.00} in student loans. That was around the time that the federal government enacted the public service loan forgiveness ( PSLF ) program. I contacted my loan provider, Navient, to consolidate my loans and apply for the income based repayment plan ( IBR ). I then spent the next 10 years working with XXXX XXXX XXXX as a XXXX XXXX XXXX   for various companies. 

In XXXX I applied for the PSLF and was denied. I was told that I had the right repayment plan but the wrong type of loan despite consolidating the loans with the specific intent of meeting the requirements for the PSLF program. This was the first time that I realized that I was mislead by Navient. I then consolidated my loans again and reapplied to the IBR plan with the specific intent of working towards the PSLF program. I was told by Navient that everything was in order, that I met all the requirements and I restarted the clock. 

In XX/XX/XXXX I called XXXX to check on the status of my progress as I was confused about why I had not received the yearly application to renew the IBP plan. I was informed that I still was not making progress as this time as I had the right loan but the wrong repayment plan. This was the second time that I realized I had again been disceived by Navient. 

I then called Navient to inquire as to how this happened as I was laboring under the belief that I had everything in order. Navient confirmed the consolidation was successful but that they never received the application for the IBR plan. I told them I didn't know how that was possible because 2 years ago I was told by Navient that everything was in order for the PSLF. The Navient representative said that he was sure I was told that but that's not how it is now. He proceed to tell me that even though I don't have the IBR plan my current standard repayment plan also met the qualifications for the PSLF program. I told him he was wrong that I needed the IBR plan. He again said that the standard plan met the qualifications for the PSLF and only after my insistence and double checking his facts did he acknowledged the mistake. This was the third time I was lied to by Navient. 

I have been mislead, misdirected, manipulated, and flat out lied to by Navient for the past 12 years. I have made career and life decisions based on the false information they provided me. Their actions are a flagrant abuse of power with the specific intent of deceiving the borrowers, bilking us out of our hard earned money, and forbidding us the financial debt freedoms awarded by the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX removed this false report. 

Experian need to remove XXXX XXXX. I have had no service to that would account for {$4600.00} bill. Its a XXXX  service. what could possible cost {$4600.00}? 

It is a false and fraud claim. Please remove it ASAP.

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 2022-04-27
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX - Equifax. I have been challenging this account with the company XX/XX/2022, upon challenging this XXXX has deleted the account based on the lack of ability to properly verify all reported information being accurate. To my understanding the creditor reports the same information to all bureaus per FCRA. If this is true I am requesting information used to verify this account in writing. However Ive have sent disputes, and Equifax keep updating the accounts and not sending me proof to verify the debt. I sent a complaint to CFPB about this same company back XX/XX/2022 and Equifax said they will handle the account still not verifying the account per dispute they sent in the mail. Also Equifax aren't reporting accurate information on this account, So how can they say they have finish their investigation with wrong information from. THIS IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 never missed any payments on the following account XXXX   XXXX XXXX. Please investigate to ensure the information is correct.

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