BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep getting phone calls and letters. I paid the debt off to the original creditor XXXX XXXX. They are purposely damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Freedom Mortgage Company
State: IN
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:
We have been trying to refinance our mortgage since XX/XX/2020, unfortunately we could not close until XX/XX/2020. The title company sent a wire transfer on XX/XX/2020, but did not get the dead line in time. I called Freedom Mortgage Customer Care on XX/XX/2020 spoke with XXXX, she assured me that if the wire transfer was dated XX/XX/2020, that they would not report us to the credit bureaus, ad they dont post payments on the weekends. I called numerous times since XX/XX/2020 and they spoke to different people, all told me the same thing, " it will be taken care of ''. I even sent 3 disputes to customer care and without a good outcome, then I noticed they state I was 30 days late in XXXX, that is fraud, The loan was in fact paid off on XXXX, 2020. They are refusing to work with me on this. Even showing a letter from the title company showing this is not our error, XXXX got very smart with me, and told me sorry there is nothing she could do for me.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: OR
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX- on my credit report it reflects I was 30 Days late in XX/XX/XXXX, but I had automatic withdrawal. Based on the supporting documentation, it shows that payment was made, but they did payment reversals on numerous dates. 

XXXX - on my credit report, it reflects I was late 30 days in XX/XX/XXXX, but the supporting documentation and phone call with XXXX representative says otherwise. 

XXXX- on my credit report, it reflects I made late payments between XXXX and XXXX. In speaking with the representative, they did not have records to verify late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence collections is attempting to collect on a debt that isnt owed for XXXX. Basically, a XXXX contract was cancelled early due to a military move protected under SCRA law. XXXX mistakenly charged a early termination fee but when I called them, they corrected the error and agreed that there was {$0.00} due on the account. Somehow, credence now owns the erroneous debt and keeps sending letters and has put a delinquency on my credit report that is false. I have disputed it multiple times but they keep saying they have validated the debt. I called XXXX again and they said that there is no debt and to contact credence. Im getting the run around and its hurting my credit score over a false debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an ongoing issue with the Mortgage Company. I have never missed a payment, however Ocwen continues to show my mortgage as being delinquent. They continue to add an Escrow account stating that insurances were unpaid. About a month ago, when we seemed unable to resolve, we called Ocwen with our Insurance representative on the line. At that time Ocwen agreed that our insurances were paid up, we were not past due on anything and they returned an overage amount that we both agreed they owed us. To date, Ocwen still has our loan listed as due for XXXX. They are saying the last payment was received was XXXX/XXXX/XXXX and next payment due is XXXX XXXX, XXXX. They returned am amount equal to the monthly mortgage payment in XXXX. We have never missed a monthly payment and have our bank statements to prove this fact. This has been an ongoing problem with Ocwen and we have wasted time and money trying to settle these challenges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Financial Business and Consumer Solutions.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I submitted a cease and desist letter to stop communication via phone and only have communication in writing on XX/XX/2023 yet I still keep getting two three calls a day from them and they are using different numbers. The company in question is FBCS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with this collection agency. They did not provide me with the original contract as requested. They also call or text after requesting them not to. They have damaged my credit score, by unverifiable, false information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about the yearXX/XX/XXXX my mortgage company was XXXX XXXX XXXX. I was put on a program of weekly mortgage payments, applied weekly, to save on interest. I was told by the XXXX representative that by implementing this program with applied weekly payments, my 30 year mortgage would become a 17 year mortgage. 
In XX/XX/XXXX my mortgage was sold to Ocwen Loan Serviving LLC. Upon looking at my online statement, I noticed that my weekly payments were being held in suspense and not applied to save interest as originally intended through XXXX. 
I spoke to a customer service representative today. I was told that Ocwen doesn't have this type of program. I responded that I didn't ask for Ocwen to take over my loan and was never told that weekly applied payments was no longer available to me.I asked what my recourse was and was told there really isn't anything they can do. 
I feel that that both XXXX and Ocwen are at fault here. XXXX shouldn't be selling a loan to a company that can't replicate applying funds on a weekly basis. Ocwen shouldn't be buying a loan for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XXXX of XXXX paypal limit 2 of my account permanently for 180 days. all effort i tried to reach them proof abortive when they manage to reply me all they will tell me is there decision to limit my account permanently is final. this they did with my fund inside it in fact they ruin my business for almost the past 172 days i haven't done any business online in fact they live me with big debt only for them to later comply to me after reporting through XXXX, they allow me to withdraw from one of my account with the limit in place when i start complain for the other two, they ask me to write them through the email i used to create those account only until XXXX of XXXX they clear the {$110.00} USD have inside that account they term it a payment for damages this they do without my consent. they never send an email to me before doing it and that fund am hoping to use it pay my landlady because my rent has been overdue for 2 months and i have make promise to hear to pay at the end of the month, this didn't stop there after charging without prior notification my account they still left it frozen i have tried to reach them without reply i will appreciate it if you guys will intervene on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the collection company multiple times asking that they send proof of any and all documents to prove that I have done business with them directly and that I owe them directly. They are not able to provide that. Ive also requested they show proof that they have a license to collect in the state of Texas. They cant prove I owe them this alleged debt and I am prepared to file a police report for fraud and identity theft.

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 2023-05-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Wells Fargo Dealer Services, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an 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 2023-06-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a credit card with navy Federal credit Union and it my card payment is late they just take the money from my checking account without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: IL
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:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Key 2 Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was created in XXXX and I filed bankruptcy in XXXX. This debt was included in the bankruptcy and should no longer be in my report. They have created a new debt on my account as of last month. 

I am 18 days away from closing and this is my only collection on my credit. Which is false. Please help me fix this off of my credit so that it does not affect my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I logged into my XXXX credit monitoring account, in response to an email alert that I received on XX/XX/XXXX. XXXX showed that a new account had been opened using my information with Capital One 360 on XX/XX/XXXX. XXXX Screenshot of alert attached. ) I contacted Capital One 360 on XX/XX/XXXX at around XXXX XXXX  Eastern, and they confirmed that an account had been opened for a minor, and that my SSN had been associated with the adult co-signer on that account. Because all of the other personal information was not mine, they said that most likely there was an input error of my SSN, which is a reasonable possibility. They told me that they closed the account immediately and will reach out to the customer to get updated SSN and identity verification. All of that is reasonable. 

My complaint is that I have had long-term security freezes XXXX since XXXX XXXX on my credit reports with XXXX, XXXX  and XXXX  due to a prior identity theft. Capital One 360 opened an account using my SSN, even though the security freezes were on my account. Capital One 360 would not tell me their process for verifying information before opening new accounts, but the fact that they made the error in opening the account suggests that they either did not check with the credit reporting agencies to ensure that my credit was not frozen, or they ignored the fraud alerts/freezes when opening the account. 

I will be glad to provide further identifying information if needed, but because I do not have a Capital One 360 account number, and because the customer account was not opened using my address, I am unable to provide that information requested by the CFPB. I have, however, attached a document that includes the last 4 digits of my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account namXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  Account name XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a XXXX dollar ( {$50.00} ) prepaid gift card : a debit XXXX  card claiming to be " property of U.S. Bank XXXX XXXX pursuant to a license from XXXX XXXX XXXX XXXX '' In trying to register the card i find that neither the website www.mygiftcardsite.com, nor the published toll free number XXXX to be working. 

Checking the web i find that his company seems to have a long history of complaints and abuses.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Telephone XXXX DATE OPEN XX/XX/XXXX credit limit {$4200.00} charge off XX/XX/XXXX {$3900.00} XXXX XXXX  has stolen my Identity and created securities in my name with out my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, XXXX XXXX XXXX : # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Good Morning, I have been with my Barclays Bank Credit Card company for 10 plus years and have never missed a payment or been over 30 days late, never! In XXXX of 2020 during the height of COVID, my job was in jeopardy and I was not completely focused on other issues. I sent {$420.00} to the credit card for payment. Apparently {$460.00} was due and I didn't realize it. In XXXX when I sent the bill, it was a few days late and they received in XX/XX/XXXX I believe. Well that put it over 30 days late for the {$40.00} from XXXX. I asked Barclay 's Bank for forgiveness and to take this off my credit report. My credit score was XXXX and it is now in the mid 600 's because of an honest mistake during a world-wide pandemic. They refused to take it off and said it was due to the integrity of the credit reporting. Again, we are under this global crisis and I have never been late with them. They refused via letter and I followed up and got a call from someone in customer service and he refused also. I made the point, if I asked originally for forebearance, this would not have been an issue, but again, my job was in jeopardy as my hours and salary were cut. I did lose focus on other things, but due to my long history of payments with them, I thought someone could help with a good will adjustment to take the late off my credit report. They refused. I am now begging you for assistance to see if they can take this off. It i basically a {$40.00} mistake by a few days over 30 days during this world crisis and they are not helping. 

Thank you.

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