BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Basically, my account has been transferred to PHH Mortgage & the payment options they say are available aren't really available. I was just hung up on by one up their reps as she tried to explain to me that it is too early to make my XXXX payment. I work on commissions and like to make my payments ahead of time to keep from stressing over bills. I have had to fight with company from the beginning to make payments & this should not be the case. I have filed complaint with the XXXX  where I found 933 complaints last week regarding their lack of customer service and unethical practices. We need an AG to address these issues and call these things out. Each time I try to make a payment I get the following same message : Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. To see all currently scheduled payment dates, check the " Scheduled Payments '' tile. If you have not previously scheduled a payment, or need assistance, please call XXXX. 

My last payment was made on XX/XX/XXXX and has cleared my bank. I would like to be able to make my XXXX payment this week and XXXX payment next week. I don't like using the us mail because things get lost and move too slow. Also, I don't want to give my banking account info to someone I don't know over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Lexis NexisXXXX RE XXXX Requesting a Method of Verification Letter To whom it may concern : XXXX has confirmed that Lexis Nexis has verified the accuracy of a reported bankruptcy that is being fraudulently reported on my consumer report without my written authorization. I am requesting proof of this alleged bankruptcy that Lexis Nexis continues to report as accurate and verified to outside credit agencies. This act is not only a violation to the FCRA, but it is also illegal. For this reason, I am requesting deletion of this record. 

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: DE
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX credit card company in XXXX admitted sending a card renewal notice to my landline telephone, which can not accept ANY test messages- this resulted in XXXX XXXX charging me for a missed payment, a late fee and finance charges- TWICE. Since I had not used this card for ANY purchases over the prior 12 months I did not monitor this card status.- however, when I did check, on-line in XXXX, I then became aware of this situation and immediately called XXXX XXXX  and asked to have this corrected - but the representative informed me that there was nothing he could do - at which point I asked to have ALL accounts CLOSED - which was done. HOWEVER, XXXX XXXX did not remover correct the " 30 days past due '' reporting, which was entirely of their making. I contacted XXXX, XXXX and TransUnion, both on-line and by certified letter in XXXX informing of the facts and requesting the the " 30 days past due '' be removed from their reporting. XXXX- changed the posting to " account closed '' at customers request. XXXX, supposedly investigated, but refused to change the posting, while clearly being given self-serving information from XXXX XXXX- who refused to recognize that THEY created the negative situation they were reporting. I am still waiting for the response from TransUnion.

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 2021-11-09
Company: Forster, Garbus and Garbus
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My name is XXXX XXXX XXXX. I live in XXXX XXXX, New York, a small suburban community in XXXX, near to XXXX XXXX. I fell into hard times. I lost my XXXX company business. XXXX played havac. Even starting the middle of 2019 my business collapsed ; employees working with me left ; I could not meet my obligations. As of now, I am living a hand to mouth living. There were two deaths in the family intensifying my family obligations. I am breathless. 
Added to my problems is a demand from a debtcollecting company, Foster and Garbus. 
They threatened me of garnishment. There is nothing to garnish. I am working as a part-time XXXX XXXX, just to maintain my family. Through my friend.XXXX XXXXXXXX, with my authorization I agreed to pay {$50.00} on a monthly bassis. There was correspondence but without positive response. 
Foster and Garbus obtained an Ex-parte judgement and sent summons. I responded with {$50.00} offer because I can not afford anything more. I am living a hand to mouth living. 
I attached certain documents for CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2023-04-06
Company: Experian Information Solutions 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:
XX/XX/2021 XXXXXXXX XXXX XXXX XXXX hard inquiry this account was opened fraudulently this is not my account please remove

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 2023-07-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, as I do once a year, I went to www.annualcreditreport.com and requested my credit report from all 3 credit reporting companies. I was able to view the XXXX credit report just fine, but when I went to Equifax it said I needed to call them first. I did call them but was diverted to a phone loop that ultimately sent me back to annualcreditreport.com on the phone. I went through the automated procedure and was told I would receive my Equifax credit report by mail within 15 days. When I chose my XXXX credit report, it said my report was not available at this time and I should mail them a request for it. I found annualcreditreport.com 's toll free phone number online and went through the automated procedure again with the response that I would receive my XXXX credit report by mail within 15 days. 

I have never had problems before getting all 3 of my credit reports on the same day, and I don't appreciate having to settle for getting 2 of the reports by mail rather than being able to view them at home on my secure VPN. I would appreciate if you could tell me why this situation happened and how I can make sure it doesn't happen again. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Harris & Harris, Ltd.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX ) has been attempting to collect unpaid taxes in an amount far in excess of what I could possibly owe the State of XXXX. They have left harassing and abusive voicemail messages at hours outside allowable contact times, have threatened to sue me and contact my employer, and have sent me a copy of a garnishment order ( XX/XX/2023 ) in an amount I do not owe. 

It's unconscionable that the State of XXXX  Dept. of Taxation would associate itself with this entity or its unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to sell some of my real estate that has a loan through Caliber Home Loans. Title Co. has found an issue with the legal on the open mortgage. needing to get legal description issue resolved so i can sell a portion of the property. Myself and Title company have sent the needed information to clear up the issue but lender has not fixed issue in 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A friend of mine XXXX XXXX transferred me {$1500.00}, reimbursement of a pool heater I help them with, through money transfer service Venmo/PayPal . I verified my identity by uploading my drivers license linking my bank account so forth so on. I then transferred {$800.00} from that account and showed it was pending as of XX/XX/XXXX, I received an email from Venmo, stating that my financial institution would have the fines between 1 to 3 business days by the third business day. Venmo suspended my account with no communication other than automated and said that I was in violation of their personal Venmo agreement they wouldnt give me a reason as to why or even ask me questions, and the only thing that I can assume is that they assumed this was a transaction of goods and services and they were concerned about a charge back. This was not the case and wouldnt even allow myself or XXXX XXXX to verify this and now theyre justifying placing a hold on my {$800.00} transfer to my linked in verified bank account for six months I cant believe this is legal, they wouldnt even give us the option to transfer the {$800.00} back to XXXX XXXX Venmo account and her and I could work out payment arrangements for reimbursement some other way. This was an authorized transaction money transfer between friends and family not goods and services for Venmo to justify placing a hold of {$800.00} of peoples money for no just cause for six months is completely unacceptable especially with no communication for almost 5 to 7 business days after the fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I paid for a XXXX STORAGE plan. 3 days later when I was saving pictures and music from my phone suddenly I got an issue that I couldn't upload. LONG STORY SHORT - don't loan phones out as OTHER PEOPLE 'S photos in email attachments and from photo links from people get onto YOUR ACCOUNT without your knowledge. I got both XXXX and XXXX extra storage but ONLY XXXX CANCELLED THE ACCOUNT JUST DAYS LATER. They sent me an email. I appealed and stated : RESTORE MY ACCOUNT OR STOP CHARGING ME. First payment : XX/XX/2022 ( {$2.00} ). I tried calling the phone number on the transaction. AUTOMATED. I went on literally every single XXXX support page with my email account and stated that I either need to get the storage I am paying for or they must STOP CHARGING ME. Support online chat- they said I had to cancel by signing onto my account but XXXX disabled it! And CHASE BANK says I have to cancel my debit card! I am XXXX with NO CAR! CHASE refuses to believe that it is their responsibility to stop unauthorized charges when I tell them. I even read the law from this website to them on the phone! I have screenshots of me putting it IN WRITING for XXXX to stop charging me for services not provided and can provide those upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$350000.00} XXXX XXXX  **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX XXXX Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$10000.00} SYNCB/PPC XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} PROSPER XXXX Owed : {$10000.00} SYNCB/PPC XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

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 explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following items listed below : 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
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: DHI Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get mortgage to purchase a house in Florida. DHI Mortgage ( lender  ) in collusion with D.R. Horton ( seller/builder ) engaged in a bait and switch scheme on interest rates, as well as to manipulate the mortgage application process to support D.R. Horton 's position to give DR Horton an unfair advantage on issues re.the contract/ Agreement executed XXXXXXXX. Both entities conspired to offer a low rate at the beginning, which I accepted and applied for the mortgage to DHI Mortgage ; then they began steering and forcing me to accept a higher interest rate/higher-cost mortgage using ploys, pretexts and threat from the selling agent. When I did not accept the higher rate, DHI Mortgage issues an " Application denied '' statement on XX/XX/22, notwithstanding my credit score over 800 points ( XXXX ) and excellent credit history. which the seller  ( DR Horton ) used to keep my XXXX XXXX ( XXXX XXXX ) as ofXXXX 
DHI Mortgage engaged in unfair, deceptive and unethical lending practices and together with D.R. Horton ( seller  ) engaged in overt and covert discrimination acts against me because of my race, color and age ( XXXX male ). Their employees/gents made prejudicial statements as well as imposed unusual and requirements on me to get a mortgage.

Company response to consumer: Closed with explanation