BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Under my private rights of action and administrative process I want to report that Ocwen has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. 
I never contracted with Ocwen at any capacity and have never had any business relationship verbal or written. The OCWEN Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA  XXXX was created without my authorization and through identity theft of my personal and private information. 


The Second Notice of Fault in Dishonor and Opportunity to Cure was served on XX/XX/XXXX Certified Mail # XXXX. 

The Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served on XX/XX/XXXX including my Notarized Affidavit of Non Response. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

attentively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. Please update these accounts XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance Owed : {$1500.00}.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-09-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX Florida has been paying the moprtgage directly to the mortgage company, reference XXXX ( HAF account ), XXXX XXXX XXXX GThe nortgage was sold by XXXX XXXX to Mr. Cooper effective XX/XX/2023. Mr Cooper account XXXX, Mr Cooper received payment in XXXX from HAF and creditied account for {$1700.00}. Since than, there has been two wire trasnfers made my HASF to Mr Cooper in the ampunt of {$1700.00} dated XX/XX/XXXX and XX/XX/2023. Mr Cooper has not applied those funds to my account. Mr Cooper has given me a contact in their company, XXXX, telephone XXXX. He has been polite, buit has offered zero assisitance except telling me this issues has been elevated to the HAF Florinda dept in Mr Cooper. They are calling me telling me I am past due. 

This issue needs to corrected ASAP, There are serious problems with that bank not applying my funds and In find this to be criminal if action not taken properly. 

Please help and advise if this not corrected, how can I file ctriminal and other charges. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received an email on XX/XX/XXXX stating that my '' revolving credit limit has recently been revised. A review was completed saying that my payments were too low, revolving credit balances were too high, I had too many credit card accounts with them and that my balances were too high compared to my overall credit limit. '' My credit was immediately reduced by half, leaving me with almost no available credit on the two cards I had with Citi-Cards. 
I have been a citi-card customer for over 20 years. I have a good credit score according to XXXX  XXXX on XXXX XXXX. According to XXXX  I have a low credit usage 29 % on XX/XX/XXXX. I have an Exceptional Payment History 0 late payments, 0 collections, 0 Public Records according to XXXX  on XXXX XXXX. I have an Exceptional Credit History Length average age of 12 years and longest of 38 years. All of my credit reports are of Exceptional payment history. " I have never been late or missed a payment to any credit card or other type of company requiring my payments. 
I contact citi-cards customer service and they would only tell me that a letter was sent to me to explain the reasons for the reduction in my credit limit. I have not received the letter as of XX/XX/XXXX. I requested a review of this decision and was told that they would not review it. I requested to speak with a supervisor and was also told that it would not be reviewed. 
The actions of Citi Card damage my Exceptional history and will impact my credit score. I  am asking that they reinstate my credit to the thresholds prior to 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 2015-11-19
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is my fourth complaint about overdraft fees on my account. I am attaching documentation to show that Key Bank changes the order of credits and debits to accounts. I would appreciate someone from the Consumer Financial Protection Bureau to closely look at my documentation this time as I have copied my account over the last two days to show the discrepancies in accounting. This last overdraft I received because I moved XXXX $ from my standard checking to my son 's Hassle Free account. The reason my account over drew in the first place two days ago was because of the fees debited by Key Bank. On the ledger there is no sign of overdraft before the fees were debited. In response to the overdraft complaint yesterday, Key Bank sent a tutorial with a fictitious person named XXXX who is XXXX XXXX and very young. The tutorial says that she over drew her account buying coffee and donuts. Besides the very problematic racialization of XXXX, Key Bank blames the customer when actually what is happening is that Key Bank alters the timing of debits and credits in ways that incur overdrafts. My ledger shows several deposits in the last few days yet they mysteriously move around in the ledger as do debits. Once an overdraft is debited in accounts that are fragile ( meaning no overdraft protection attached and low balances ) these fees throw the account into disarray resulting in yet more overdraft fees. Please CFP look carefully at my account. I am not some crazy person continuing to complain. I am an educated woman who follows her account diligently and I am going to continue to complain because I know if this is happening to me, it 's happening to others who perhaps do not have the money to pay the fees. I have attached a short analysis in a document. It 's short becasue i really do not have time to do this every day. I want these fees to stop. I am probably going to receive yet another overdraft fee because my account was overdrawn this morning. The only reason my account is overdrawn is that Key Bank has debited excessive overdraft fees from my checking account..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2020-07-12
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive had my car for 3 or more years and Im still owing over 15,000 on it. Ive tried several times to get my payment lowered because of my inability to pay so much and me not wanting to fall so far behind on payments and all they would do is give me extensions that would add more interest and prolong my loan. I am struggling and they offer no help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RoundPoint Mortgage has lost money I have sent to them, miss applied monthly payments and have almost doubled my monthly mortgage payments. Missed paying my homeowners ins. twice causing cancellations of the policies. Refusing to investigate the certified complaint I sent them and now are charging me with late charges when I am current with my mortgage payments which are being mis-applied. I believe if they continue this inept and flagrant behavior in direct violation of the fiduciary laws will lead to unlawful foreclosure of my home.

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 2023-10-19
Company: MIB Group, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am currently involved in XXXX different data breach lawsuits and a victim of identity theft. I see there is all the way around inaccurate and FRAUDULENT reporting even regarding medical information just within last XXXX years which also falls within the time frame of identity theft and breaches, and I am XXXX XXXX XXXX. The reporting companies are all from life insurance companies, not XXXX specific physician, clinic nor hospital is listed on the MIB report to show for me as the consumer to legally dispute with them more specifically. I want ALL information removed immediately. It is unauthorized and fraudulent and not my medical information that is being reported within this database. I do not have XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX related nor anything called XXXX XXXX I am respectfully requesting for this all to be removed immediately. All of the reporting companies are insurance companies and not one is reported from an actual specific medical professional/ practice and clinic and all of which primarily in this year, which is insane in itself. Also there are statements in the MIB saying these disorders were reported from me as well as clinics, hospitals etc, of which are all falsified. I also request information on the specific hospital, clinics and physicians that this alleged reporting came from as indicated within the MIB file as well that again doesnt list specific physicians, clinics etc that shared this information. This potential escalating situation caused several unreasonable life insurance denials as to the many listed inquiries on MIB report. I was unaware of why in the beginning, now I am in the know. 
The next step here is hiring an attorney for legal representation in this matter and also submitting information to the FTC. I Thank you for your attention in this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter to Equifax to remove incorrect information from my credit report. I have yet to receive a response and I believe that my name, address be corrected on my report. As a result, I have a XXXX XXXX XXXX line on my report and it does not belong to me. I request that this be removed. Equifax has had ample amount of time to fix this problem and I request that Consumer Protection Bureau investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Coinbase, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XX/XX/2018 I withdrew XXXX from a company called Coinbase. I was promised the funds in 2-5 working days. After a week I contacted them and they had said the transfer was complete and it was my banks fault. After many calls to my bank I found out that Coinbase used XXXX as a middle bank to transfer it to mine and they forgot to tell XXXX where the money was going. After numerous emails to their support team Coinbase have left me in the dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently discovered a collection from Enhanced Recovery Company on my credit report from XXXX. I have no Idea where this came from, as I have never had XXXX services. I have been unsuccessful in receiving verification for the debt, as well. I have been told to contact the original company, XXXX, and when I do, they send me to contact the collection agency. It is going in circles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2023 Date Amount Description XX/XX/2023 {$62.00} XXXX  XXXX XXXX gosq.com HI To Whom it may Concern : On XX/XX/2023 I placed a online order to a establishment called XXXX XXXX In XXXX XXXX Hawaii XXXX They claimed to be still open and operating. I went to the establishment at my pick up time at XXXX. However when I got there, the business was completely shutdown and cleared out. This business is closed down with no date of returning or re-opening. I did not get my items. The fact that they are claiming that they are open and still operating is ludicrous. I have send Citi my online pick up order that I was supposed to receive AND the sign on the door saying they are closed down. Multiple people online have also stated they are now closed for business and have also been scammed out of their money which I have sent in through the dispute documents to Citi. You can visit their yelp page to verify this statement at https : XXXX XXXX XXXX 

Please take the time to read through my statement and examine the photos I have provided. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$5500.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX , ACCOUNT NUMBER XXXX, BALANCE {$22000.00} INQUIRIES 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 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails

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 2018-11-09
Company: EQUIFAX, 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:
I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me.

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested.

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 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