BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: Nationwide Title Clearing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. 

DITECH FINANCIAL LLCXXXX GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. 

I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 Hello, I have been having issues with my Paypal account for weeks and today when I entered again a screen showed a message saying that I need to call a number ( in red ) because the account was limited. The phone was : XXXX. 

I called the number and the " employee '' asked me regular questions and somehow he ended up sending me a XXXX XXXX link to enter with me to my account. He did. He said that there was an attempt to enter to my account in Texas and California and that he needed to check information. I even entered my social security number for this reason. 

At some pint he clicked a sign that asked to accept something. I saw it was a credit line for {$1300.00}. I express I did not wanted that line of credit and the employee said that it was only for a " security process ''. 

The called ended and when I check my email I got an alert form XXXX XXXX that Paypal requested credit info for the credit line of {$1300.00}. 

I called again to the same number and It was the same person! Saying that that will erase after Paypal finish the security process. 

I ended the called saying that I will call back in two days. I wen online and called a different number for Paypal and they send me to call their fraud departament. 

I still have the {$1300.00} in my Paypal account which I never requested. I am afraid of identity fraud with this person that entered to my information by a Team Viewer. 

Thanks, XXXX. 

PS. I am adding a screen shot of the time I am writing this message and the image of Paypal with another phone number.

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 2020-10-12
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage with PHH and they aren't helpful at the moment, I has medical emergency in my Family and because of hospital bills, I could not pay my mortgage in time, but before I could get back on my feet, the corona virus crisis started and I started getting behind on my mortgage payments, PHH wont give me a loan modification as I have about {$200000.00} in equity and they wont accept partial payments on the loan either, I tried working out with them but they want about {$13000.00} to get me out of foreclosure, because of corona virus crisis, I have lost my job and barely surviving, if you could help me get a repayment plan where in I can pay a down payment on the mortgage, and the balance can be split over and added to my monthly payments, I can try to get back current. 

I can come up with {$5000.00} as a down payment on the mortgage, and the balance can be split over and added to monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo XXXX XXXX was opened fraudulently in my name around XX/XX/25. I contacted Wells Fargo to report this, card was cancelled and I put a credit freeze on all of my credit reports. I continue to report to the proper agencies. They tried again unsuccessfully on XXXX but it was blocked due to my credit report freeze. They had my personal information. Thank you for your assistance. 

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 2021-04-12
Company: Unifin Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Unifin INC . Address : XXXX  XXXX  XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last four digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 the following listed creditors listed below have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Name : XXXX XXXX XXXX Account # XXXX Balance updated : XX/XX/2023 Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX in Florida refusing to refund the unauthorized transfer of my entire balance on XXXX of XXXX to an unknown person by wire fraud on my personal checking account. They alllwed me {$400.00} advance while investigating. I was on phone with customer rep over XXXX after I received a text message asking me if I authorized the transfer- if not call them. I immediately phoned n customer service said someone went into my account n changed my email address n even had set up bill pay for a future date but they didnt get pass my security questions. So how could they transfer my money without my knowledge to someone XXXX dont know XXXX XXXX?? after investigating they closed my acct and refusing to return my balance of XXXX n closed my account. No one has my permissions to remove money from my account. 
Also Im a victim of identity theft. 
Also need help with chase bank in ft XXXX fl.I have a personal checking account which receives my social security XXXX checks and used that account to deposit funds from my Llc business acct in which I tried several times to set up so I could keep funds seperated. They are refusing to release my balance of {$99000.00} holding it since XX/XX/2023. The bank rep lied and told me the check was in the mail after I went into bank in pouring rain over 5times providing my Llc n invoices they requested on large deposit made to XXXX XXXX XXXX I .Kaye n I have spent over five hours demanding they release my balance since they also closed my bank acct and refused to open a business acct and customer service lady XXXX XXXX into the XXXX checking sitelisting Im a fraud victim since someone did go into my checking trying to steal my entire balance by transfer n XXXX XXXX but XXXX caught it. This is causing me to literally starve to death and extreme hardship on my family. Im a hurricane disaster survivor whose home was destroyed XXXX a XXXX senior citizen! Navy fed bal XXXX and. XXXX balance of XXXX! I want my funds released immediately.please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Convergent Resources, Inc.
State: PA
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:
my name is the XXXX my biological father he is the same name sake except he is XXXX and he has used my social security number and an old license to get a XXXX Cell phone or something I am not sure for years I have been trying to get this off my record Convergent outsourcing INC they have not only lied about the debt but they have changed the name of their company and everytime they change companies or buy it from another person they add a new date as when it was closed reguardless I have a XXXX cell phone myself and I have had the same cell phone number for at the least 10 years it was opened in my XXXX by my mother under her name but the number has been the same I have tried to fight this over and over but they find ways to put it back on there I even had them on the phone XXXX verified the length of my cell phone number history and admitted it was not me but then they sold the debt to XXXX and again I stated the same and went through the process and again I was going to do it on Convergent Outsourcing INC online but it is a trick if you file a claim online you have to agree to owing the debt or knowing whos debt it is mighty slick but I am not going to do it this is not fair I cant get it off and they wont talk to me unless I admit its my debt which it is not I want them to take this off and I will not admit to owing money that I do n't even know where or when it came from but this has been a 7-8 year struggle anyway I try they switch the account once they know it is n't mine or they hang up on me after about an hour of arguing back and forth I am getting married and will not have this happen much longer so is there something you guys can do to help or do I take them to court???

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2019-09-01
Company: CITIBANK, N.A.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Good afternoon, I'm disputing four unauthorized withdrawals made in my account. I tried resolving the issue with credit card company ( CITI ) and they have not removed these charges from my account. When I initially called, CITI asked me for a police report and I have obtained one and send it to them electronically first and then included in a written letter. 

Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} Date : XX/XX/2019 Amount : {$700.00} Date : XX/XX/2019 Amount : {$500.00} These unauthorized charges were among others made with other credit cards in my name. I have no information as to how and when nor who made these charges. As per the other credit cards, I have contacted the corresponding credit card companies and have resolved the issues with minimal issues. However, CITI has been uncooperative in trying to resolve the unauthorized use of my credit card. In the meantime, my account with them is accruing interests and fees that I should not responsible for paying. 

Moreover, as a responsible credit card holder, I pride myself in been prudent and judicious in my use of my credit card and this issue with CITI is damping my experience with credit card companies, which up to this point has been positive. 

With no additional comments at this time, I would like to thank you for your time in the hope that my complaint gets the appropriate attention with your office. 

Regards, 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 2023-09-04
Company: EQUIFAX, 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
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 provided Experian with emails that were from XXXX XXXX XXXX company and the finance company used for XXXX XXXX XXXXXXXX XXXX XXXX that clearly stated I had never received XXXX XXXX XXXX and they were working on having it removed from my credit. XXXX XXXX XXXX company took the money from XXXX XXXX for a trailer I ordered but they sold to someone else. XXXX XXXXXXXX has put in writing that this money has not been returned by XXXX XXXX XXXX XXXX but they have cancelled the loan and will have my credit report updated. I never received the money or the product. I was told by my lender who I am working with to purchase a home to provide these records and proof to dispute with credit bureaus and I did. Not only is the proof in the email I also provided contact info to both companies to the people who were working on resolving this inaccuracy. They updated my report as the balance being valid within 24 hours. No way they did any investigating and I have confirmed with XXXX from XXXX XXXX nobody ever contacted him or he would have advised them of the fact I do not owe anything for a product I never received. Both XXXX & XXXX XXXX XXXX have stopped responding and I am unable to get an update from them.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

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 2022-05-02
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
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 convergent account # XXXX XXXXt # - XXXX XXXX XXXX  # Has violated my right. 
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's also state a consumer reporting agency can not furnish account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: ALLY FINANCIAL INC.
State: NY
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:
Inquiries and late payments wont come off my report

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 2018-11-08
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax via certified mail regarding fraudulent accounts opened as a result of ID theft and requested the accounts to be blocked in accordance with section 605 B of the FCRA. I have not obtained possession of goods, services or money as a result of the following account and Equifax is refusing to block or delete it. 

XXXX XXXX XXXX ACCT # XXXX Amount {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
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:
As a furnisher it is your responsibility to notate when an account is in dispute. I have disputed the following account for XXXX months now and you have failed to notate in the comments. As a result, you are obliged to remove this account from my credit report IMMEDIATELY.

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 2023-02-06
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot ( XXXX XXXX ) has denied my husband and myself a loan based on discrimination practices. When applying for the mortgage loan we received pre-approval and was instructed by our bank that is suppose to be experts on mortgages to proceed with a flexible rate, knowing flexible rates are not very favorable because your monthly payment can change without notice. My husband and myself agreed. Now time to proceed to underwriting and we are instructed because we are no longer approved. When asked why they state we do not have the income. However, working in the most secure industry in the United States, the lender gets to tell us we do not have the income? While we know several caucasians who have less income, less reserved assets approved and close on XXXX home with no issues. In addition, our caucasian associates have filed bankruptcy within the last 3 years and was still able to close on a XXXX loan with no problem with unstable income. More importantly XXXX XXXX denied to live in redline areas because underwriters are denying XXXX XXXX the opportunity to live in redline areas. However, if we apply for a home in a minority less developed area we are approved instantly. This basically telling XXXX XXXX you can only purchase in certain areas to be approved. This has discouraged several XXXX XXXX from becoming homeowners.

Company response to consumer: Closed with explanation