BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX 2 payments from the VA were posted on our behalf, shortly after a VA representative spoke to Ocwen Loan Services and got a balance due on our account. We were approved to catch up on our loan and be current after 2 loan modifications within a 5 year span. Ocwen was well aware of the money coming in to them from the VA and we had an agreement with them that the mortgage would become current when the payment arrived of the amount indicated by them to VA and us in XX/XX/XXXX. 

When the money came in to them, it took them 3 days after the day of the received payment day of XXXX ( XX/XX/XXXX ) to post it to this account. On top of the payments of {$1200.00}, they tacked on a late fee of {$15.00}, another payment due and the amount due on XX/XX/XXXX was XXXX. For XXXX payment it was {$1300.00}. These payments made were combined with our payment made of {$640.00} in XXXX after many attempts to straighten out the loss of our current status. That is 3 payments to them in a 30 day window and they still would not correct the payments making it current. 

This ruined my credit. I want it corrected and applied to my account since they knew the money was coming in from the VA and myself, and refused to waive any and all  fees. They gave the VA incorrect numbers of what would be due at the time they received the payment from them. It was only 4 days from the 15 day window of another late fee ( XX/XX/XXXX ). 

Ocwen recieved money from the VA on the XX/XX/XXXX but they had spoken to the VA regarding the payment being approved and on its way the entire month of XXXX. They knew the money was going to be there. At this time, my account is still past due with no means to make a double payment. They continue to tack on late fees and will not go back to XXXX and correct this mistake. 

I am a XXXX veteran with 1XXXX XXXX XXXX civilian status as well and my wife is XXXX-both from a car accident in XXXX. We were both taken off of work at that time. My income went from {$60000.00} a year to the poverty line. We now live on public assistance-not by choice. We have had this mortgage modified twice and they still refuse to bring it current to help us. They have us still past due, even though they know my situation from several years ago when I tried to modify the mortgage and they took {$350.00} processing fee from me just to do it wrong and I had to modify it again a year later! 

Since this time, we have been past due/deliquent status, never to become current due to their mishandling of the fees and money they received from the VA in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted TransUnion because they continue to report incorrect information about XXXX old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using TransUnions ' online dispute form, and was contacted about a week later saying TransUnion resolved the dispute. However, when I logged-in to see the resolution, all TransUnion did was leave me a note saying that the XXXX information was correct. When I originally submitted the dispute with TransUnion, I informed them that I had already attempted to resolve this issue with XXXX  but XXXX  still had not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with TransUnion was almost 1 year ago - and since then XXXX has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to XXXX and TransUnion but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why XXXX refuses to correct my information and why TransUnion refuses to update the XXXX information.

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 2022-11-19
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX Account number XXXX The late payments reported on this closed account are not accurate. All three credit bureau 's are reporting different information. 15 U.S.C. 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize XX/XX/2023.

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 2022-03-13
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On XX/XX/2022 I purchased a gift from a company which turned out to be from XXXX. As usual I never received the items and called my bank to report this. I was transferred to an " XXXX '' call center somewhere in the XXXX and received the most disrespectful and rude agent I've ever had. I asked the young man to please file a dispute on my behalf and after XXXX minutes I was told that the dispute was resolved and I would see a credit on my card account in a few days. That never happened and I figured it was because of this young man disposition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XXXX XXXX, 2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
Navy Federal Credit Union at XXXX XXXX XXXX XXXX VA XXXX has Been sending me collection notices in the amount XXXX .the collection has be reported as pasted due balance. I do not know this company .I have never done any business with this business with this company .this company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
They failed to respond to my issue dated XX/XX/ see attached

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 2023-11-06
Company: EQUIFAX, INC.
State: GA
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 checked my credit and found these accounts on my report I called each company and was told they would remove the accounts. After questioning some of the company some of them sold the account instead of giving me the information I requested. I have file FTC REPORTS sent letters contacted the credit bureau and nothing has been done. THEY REPORT BACK TO THE CREDIT THAT THEY HAVE SENT INFORMATION TO ME BUT HAS NOT. So i open an account with the XXXX to log all mail that comes into the post office with my name and address and these records can no be removed by me or no one else so i have prove that nothing was ever sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
harris & Harris original criditor XXXX XXXX XXXX hospital this company has damamge my credit XXXXXXXX XXXX hospital was suppose to be getting this debt settled because it was a work comp issue.i told them nurmorous times to contact the job or work man comp

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
DO NOT BANK WITH HUNTINGTON!!! I went to deposit {$900.00} on XX/XX/XXXX into the atm at this location. This was for rent that was due the next day. XXXX in XXXX 's and {$200.00} in XXXXXXXX XXXX, to be exact. When I tried to submit the deposit, the screen told me the deposit could not be processed and to seek financial advisement from my institution. No money back and no receipt printed. Of course, they were locking the doors and leaving for the holiday weekend and told me to contact the fraud department. I went back through the atm to do a balance inquiry to see if maybe it had still posted. Upon finding that it didn't, I called the fraud department and reported this, even sending them the one receipt from the balance inquiry that had a time stamp. I was told there would be a rush on the credit to my account. Still took the full 10 day period. It is now XX/XX/XXXX, and they took back the credit to my account. I was told that the atm did not show an overage. So where did this money go?! The notes that were taken said they only saw me go through the atm to do a balance inquiry and that no deposit was made afterward. This would be because I made the deposit BEFORE the balance inquiry. I told the fraud department this when I reported it in the first place. So now I have bills to pay, and my account is sitting at - {$500.00}. This is beyond crooked. I am flat-out disgusted. Some people can afford to be out {$900.00}. I'm not one of them. If you're looking for a bank to XXXX you and XXXX  your trust and your rights, Huntington is the bank for you. If not, I would strongly advise you to look elswhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have two different financial institutions XXXX and Capital One stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: CT
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 been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
State: FL
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:
XXXX XX/XX/23 I purchased a generator from XXXX online using my cc. They sent me a damaged generator and I filed a dispute. Citi has issued a conditional credit but here is my dilemma : XXXX is NOT answering any of my emails or phone calls so we can reach a resolution, Citi will keep this dispute open too long for me to prep for hurricane season ( need for generator in first place ) so I'm stuck with funds in limbo and a non functional generator that I paid for ( new but sent damaged ) and I need a resolution TODAY on this matter so I can either replace the generator or at least know there is some conclusion to this mess now as opposed to continuing to have to deal with this well into hurricane season. I'm seeking an IMMEDIATE resolution to this matter and am unwilling to wait months on end for Citi to finalize 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 monetary relief
Consumer complaint received 2023-08-18
Company: Lendmark Financial Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have a phone number calling my employer falsing information about who they are, their names, and refuse to give any information. After researching the phone number I found out it is Lendmark Financial and they are calling more than 5 times a day on my cell phone, contacted my family, and my employer more than 5 times a day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This complaint is against the following lender : XXXX XXXX XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.

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 2024-01-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : HYUNDAI CAPITAL AMERIC XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.

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