BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get my loan modification paperwork settled since XXXX of last year. I have paid for a notary and witness signatures on 5 different times. Each time time P h an H gets the paperwork back via overnight delivery, they find something wrong with it. In XXXX, I was told by them to send in the paperwork even though it was past the due date, just to be told when they received it that they wouldnt accept it because it was past due. ( This company only give you 4 days once you receive it in the mail to get the docs notarized, with witness sigs and back to their office, 4 days! during a pandemic. 

The 4th time I sent the paperwork back, they said 1 of the 4 pages that was notarized had an extra " a '' in our last name and they wouldn't accept it. The 5th and final time very recently, the rep form the bank emailed me the docs securely and told me dont worry about the due date, to just get them notarized again and overnight them back. I was just told on Thursday, 2 days after I sent the paperwork back, that they wouldnt accept it because it was past the due date! The rep himself emailed me the paperwork on Friday XX/XX/XXXX!!!! He said just send it back in, dont worry that its past the due date. Now they are telling me they wont accept my payment for my mortgage for XXXX. I have been making payments since XXXX during this modification paperwork fiasco. No they wont accept my XXXX payment. It is my belief they are dorliboritley doing this on purpose, I have {XXXX} in equity in my house and I feel they are making it impossible to get this modification done. I need help please ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hurricane Florence victim..My insurance check was issued in XXXX to XXXX XXXX, who sold my mortgage to Penny Mac in XX/XX/XXXX..now Penny Mac will not give me my money to fix my home, which is over 60 % repaired with my own savings..Penny Mac has come up with several different excuses not to give me my money, first couldn't find check, then I need a licenced contractor to do my work, which is not required under 30,000 in NC. Then they told me I needed and inspection, which was lost and had to come back and do again. They came again which took another two weeks said my home was 60 % done.. So clearly i'm not going to take the money and run, but it seems they are making tons off of event 's money..so I've decided regrettably not to pay them anymore mortgage payments which I informed them of this, which I have never missed..they should be fined or imprisoned..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a dispute for 3 XXXX accounts and then these three were purchased by XXXX XXXX XXXX. I dont think they did an actual investigation. Otherwise, why is it ok for a company to say theyll delete accounts, not do it, and then the credit reporting agency be fine with it? I have sent them evidence of the company indicating they were deleting and they didnt even seem to look at this. They are just accepting that the company said its legit as though that should be enough. II have repeatedly asked for a verification of debt and they havent done it. They ignore that I asked for and the company ignored sending me a copy of the contract or anything showing my signature and they ignore or refuse me. I asked for an exact breakdown of fees and they refuse. Funny how it says credit limit of {$100.00} but owe like {$400.00}! I dont think they really investigated. Its like they just contacted XXXX and XXXX and took their word for it. They have the same debts on their twice both with original comenith and then XXXX XXXX XXXX. Because I had no card number they wouldnt even talk to me! I want them to have to show what I owe! I asked them to provide what the money they say I owe is for and they have ignored me. I asked them to explain and show how they calculated what I owe and they refuse. I asked for a copy of any paper bearing my signature. I asked for proof of agreement from me. They provided no proof at all, ignore my requests for the last three years, yet still report to credit agencies and the credit reporting agency honors them! This isnt right! Id like credit reporting agency to get a signature, contract, or fee breakdown to actually verify!

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 2019-04-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted both Chase Bank and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with XXXX amd XXXX none of the companies involved have done so. 
XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-19
Company: Capio Partners, LLC
State: CO
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX co XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capi Partners, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I chatted and called Huntington to close my business checking account. I am currently visiting foreign countries, but they kept saying that I should visit a branch to close the account. I am not sure yet when I will be back in the U.S. I would like to close my account as soon as possible before any maintenance fee is charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: Meridian ARG Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Called repeatedly, told them to stop calling they do not have the right number. They some how got my home phone number and call at all hours. I have spoken with them many times to tell them to stop harassing me. I have recorded the phone calls that I have asking them to stop. I have a lot of messages from them. On my house phone and my cell phone. Sometimes they call up to 10 times a day. I will get a lawyer and proceed with legal action if they do not stop harassing me.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-27
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I received an email said I could receive {$15.00} e-gift card after make XXXX bill payments. So far I've made XXXX bill payments, XXXX in XXXX and XXXX in XXXX, but didn't receive any gift card. I contacted customer many times, but they claimed this is an offer from XXXX, when I didn't even have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: EQUIFAX, INC.
State: NY
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:
Equifax has not updated accounts and are incorrectly reporting closed accounts as open, and are incorrectly reporting revolving balances that were paid down. As a result, my credit utilization being reported way higher than in actuality and my credit score is being drastically affected as a result of this misreporting and failure to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-11-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
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:
In service civil relief act. Shouldnt have been on my credit report and I want it removed immediatelyz

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
State: NY
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:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My bank fixed then reversed fix on fraud taking place on accounts I have with bank

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 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a loan with BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and BANK OF AMERICA with no successful resolutionXXXX reporting me having late payments. There was an error on their part. I was never late.

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 2022-09-16
Company: Genesis FS Card Services, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Geniuses card service they won't work with you Geniuses card service have called close to 400 times in the past week all day all night they even went has far they disquie there number it come up has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding the collection account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding this account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On XXXX this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on Experian this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On XXXX this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.

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 2018-10-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a U.S. XXXX XXXX XXXX  XXXX for the past ten years and I just found out that I have been defrauded by an insurance company and a bank over them issuing a bogus renters insurance policy that was fraudulently taken out in my name, without my permission, and false claims were made!! 

In a letter dated XX/XX/XXXX, from Wells Fargo Bank, I received a refund check from Wells Fargo for {$30.00} as supposed " reimbursement '' for a renters insurance policy that I never applied for and for which I was charged premiums. In a telephone conversation with a Wells Fargo employee named " XXXX '' ( ph # XXXX ) on XX/XX/XXXX, I was informed that in XXXX / XX/XX/XXXX I had been fraudulently signed up for renter 's insurance with an Ohio company called XXXX XXXX XXXX XXXX by several Wells Fargo employees ( whose name XXXX refused to divulge! ). 

I have NEVER had renters insurance in my life from any company, ever. Yet someone employed by Wells Fargo was in a conspiracy with someone employed by XXXX XXXX XXXX XXXX to fraudulently sign people up for bogus renters insurance policies, and then make FALSE CLAIMS against these policies in order to steal monies!! Furthermore, this was all done as a part of a payment scheme by the Wells Fargo employees in order to meet certain sales quotas and to generate revenue for the bank. A XXXX search showed me a XXXX news article about where Wells Fargo had done this to over XXXX people in California last year ( https : XXXX ). 

You all need to investigate this and lock some people up. My credit has been damaged, false insurance claims were made against me ( which has hurt my ability to get insurance in the future because people won't insure a person with a history of claims ), and the bank and insurance company paid monies out to people who stole my identity, and a HUGE XXXX has been committed against the citizens of this state! 

Insurance fraud and identity theft have taken place here, along with money laundering and wire fraud, too. These are serious felony offenses and people need to go to jail for this.

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 2023-07-06
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 some fraudulent/inaccurate accounts appearing on my credit file and I need them removed 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 2020-09-15
Company: Square Inc
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I received a message from an acquaintance that they received a CashApp request for {$100.00} from me. I do not have this person 's CashApp information nor would I ever request money from them. They then sent me a screenshot of the account information and the profile picture is a picture of me but, the CashApp name is different from the one I use. I do not have any access to the account they showed me nor did I create it. I contacted CashApp the next day and then again on XX/XX/2020 in an attempt to report and close the fraudulent account. Not only did they refuse to do so but, they claimed they could not provide me any information regarding the account. They wouldn't even so much as look into the matter for me to verify that it was legitimate. I then sent a dispute letter via IdentityTheft.gov 53 days ago from today and have yet to hear back from them. I really want this resolved and do not know what else to do at this point. CashApp has no Customer Service or proper process for handling such matters. They do not even appear to care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX was victim of XXXX  XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the 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 explanation