BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
current balance is XXXX ocwen is reporting XXXX which decreased my score 80 points and had a problem getting a job. The law states that the mortgage company needs to report within 60 days they also do not, they are 90 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection Bureau Of FWB Has been sending me collection notices. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am making my payments on my valid accounts on time some how all my good standing accounts are showing payments not made but my creditors did not report missing payments. So everything that Im doing good the credit bureaus are reporting bad. On at least approx 7 good accounts. And their in dispute without me disputing and not showing what the dispute is. So my scores in one day went from XXXX to XXXX. This isnt right Im trying to build my credit from identity thief. Im trying hard from being stolen from and now the credit bureaus are cheating me. I am at the last part of getting a refi and this happen I just want to have good roof and my home to have some updates.

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 2018-02-09
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 2020-05-07
Company: Experian Information Solutions Inc.
State: UT
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 recently pulled my credit and noticed that XXXX XXXX XXXX is reporting a debts on my credit file that I no longer owe or have a balance. XXXX XXXX XXXX is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting XXXX XXXX XXXX to remove this debt off my credit file XXXX XXXX XXXX Account # XXXX - XXXX XXXX. XXXX Accounts # 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 2019-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a US citizen that has retired to the country of XXXX and I have a mailing address in the USofA. I do pretty much all banking & business online and have successfully for 8+ years here in XXXX XXXX My email address on a final page is the best way to contact me. 

I have been trying for weeks to coordinate and unfreezing my credit reports at XXXX, XXXX, & equifax so I could update my mailing address. 

A week ago some difficulty I was able to unfreeze my reports w/ XXXX & XXXX XXXX but equifax remained frozen. 

After several emails & phone calls I was told to send a fax with an image of my passport, CA Drivers license, DOB, SSN, & other  identification information. 

I had to do this twice and finally I was sent a letter that my credit report would be unfrozen, but for the wrong dates. I have attached a copy of that letter to help identify my specific account & problem. 

Equifax 's phone system is now refusing to allow me to speak with a representative and I can not log in online to correct this issue. 

I need to be able to log in to my equifax account reliably when I need. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WI
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:
In XXXX I had purchased a used vehicle from a place called XXXX in XXXX, wi. I called the loan company for XXXX, which is universal acceptance car. I kept with contact with the loan company, I was going through financial issues and so I called the loan advisor and had asked what I could do, The guy stated that if i voluntarily returned the vehical that it would not be put on my record and that my loan would disappear as paid. I took the car back in XXXX and gave it back, the lady working that day put it in as a voluntary return. A few weeks later XXXX had called me and told me that I would not be responsible for any more payments since they sold the vehicle. A month later the company went bankrupt and all accounts got closed. After they claimed bankruptcy I was then followed with a Claim of in which the XXXX was sold for. It was not my responsibility to pay for a vehicle for a price that it was sold for. 
Last year I had contacted XXXX XXXX to help me with this situation because it was all in accurate information put on my credit report, they then sold my account to a creditor in hope to claim money that I did not own for a vehicle they sold to someone else.

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: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, I received a letter dated XX/XX/18, amount owed of {$820.00} of time-barred debt & current creditor of XXXX XXXX XXXX XXXX. 

The debt is not mine. 

There is a XXXX numeral after my last name. They are attempting to collect debt on someone who shares the same name as me. It appears that the letter indicates that it will negatively affect my credit report. 

I responded with a certified letter, return receipt requested, instructing the company to stop contacting me and disassociate me from the debt on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage purchased our mortgage from XXXX in XX/XX/2017. Per their paperwork all recurring payments to the previous holder of the mortgage would discontinue. Instead, XXXX has continued to withdraw funds via ACH from our bank, two of those payments were forwarded onto Freedom Mortgage and the rest of the funds are being held by XXXX. I have contacted Freedom by phone, e-mail, and now letter. They have never responded, and my mortgage continues to fall behind due to failure between XXXX and Freedom mortgage. My money is gone from my account, XXXX is the receiver of the funds, they say the do not have, and Freedom says they do not have the funds. I am working with the bank to stop the ACH withdrawal and to retrieve the funds if possible. In the mean time my mortgage is behind and our credit adversely affected.

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 2021-02-13
Company: EQUIFAX, INC.
State: CA
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 sent 50 pages dated Todates here nows ones days XX/XX/XXXX, XX/XX/XXXXyear ( s ) s towards Equifax a dispute to update my name change decree on the credit file website became in fax option communication by telephone help on Equifax.com membership I had have had am to becoming of me towards having I pay paid for by plan of wellness action. The fax was sent went through to the number provisioned given no not one response, no change to the credit file name sakes XXXX XXXX XXXX XXXX, name change decree addendum inside its page ( s ). This is XXXX XXXX year I sense. I sent beginning of papers on trust account to the service online personnel help provisioned fax number to me to use to submitt stating he could is to update the name in the computer member system receiving towards the fax I am sent papers on not a credit file can be found pertaining to my personal information comments to a XXXX  card is not an state issued SSI card it is in the dates created to use, the card a ssi card to my name XXXX XXXX XXXX I was born aka also known as by government to use at times XXXX. The Equifax is rude biased out to date me, Im youthful. Descrimination by age is did occuring todate XX/XX/2021. Please correct this by having the credit brutes update the name decree towards XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX I did get a suffix in my last names sakes to the first middle name intials. XXXX is to my name today spent moneys time energy towards their communications in XX/XX/2021 by us postal mail. I didnt receive mail at the correct address listed. The address on the file is outdated the apartment number isnt effective efficient effical to doing 1 % business at me, mine file, to a 100 % mean median ratio average personnel experienced on deck credit bureaus decades todate, today XX/XX/2021. Thanks for having them update the account to my mobile home address I own at XXXX XXXX XXXX XXXX Ca XXXX its reminder is great! Thanks XXXX XXXX XXXX XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX An addendum to XXXX XXXX XXXX at XXXX Ca XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2021 I opened a business checking account. My ex-husband, out of spite, called and claimed the account to be fradulent. I went into a local branch with all necessary documentation to prove that this was not fraudulent however, Suntrust/Truist , closed the account. There was a deposit/balance in the account at the time of closure ( XX/XX/2021 ) which was held for several months and never released to myself/my business. On XX/XX/2021 I called and was informed that the deposit amount of {$13000.00} was returned to the issuing bank and refuse to provide me with any explanation or written documentation showing the paper money trail. I don't know who the " issuing bank '' is and my client that initiated the deposit claims that they have no access or record of the funds being returned to them either. I need an explanation of where the funds are, and have them returned to me immediately along with interest for the time they have had our funds.

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 2020-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/2019, I mailed a letter to Experian credit bureau notifying the credit bureau of errors found in how accounts are being reported by them on my credit report. These accounts contain blatant errors in how they are being reported on my credit report. I've tried pleading with Experian to right their wrongs multiple times. Experian does not care less about errors in their customer 's credit report. They continue to verify false information on my credit report, even when I dispute it and provide evidence to support my claim. They claim and investigation has been done, but nothing has changed. My accounts are still reporting the same, showing the same inaccuracies. This is unacceptable.

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 2023-05-25
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
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:
Credit Inquiry on XX/XX/2023 by Santander Consumer USA XXXX Credit Inquiry on XX/XX/2023 by XXXX XXXX XXXX XXXX Both appear to be regarding auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Lendmark Financial Services
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for a loan for an ATV with XXXX XXXX XXXX XXXX in XXXX XXXX  and XXXX. They passed my credit app to Lendmark Financial. After I submitted Income and my buyers order they said they would get back to me. My first complaint is that XXXX XXXX, the rep I was dealing with could not explain the disconnect on the total price and debt to income disconnect. Turns out she was adding in a {$1500.00} warranty and all of Lendmark 's ancillary products without asking. I had to press her on this and she reluctantly removed them. She could then not explain why I did not qualify with the new payment amount. She stated I was 55.6 % DTI. She clearly stated that 55 % is there max which in the finance world is everything 55 %, not a decimal more. Her numbers were wrong. I did the math and I was at 54-53 %. She was flat out lying, trying to make room for add ons. When they actually received my income it was even more than expected and I qualified in every regard. She then called me back and said that I didn't qualify because I had some credit card accounts that have been paid through a credit consolidation company for over 2+ years. I have never once missed a payment on any bureau. I searched their website, and terms and found no explanation stating that was a reason for denial. Furthermore the consolidation company excludes major installment purchases in their terms. This is a flat our way to discriminate against a qualified applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions 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:
On XX/XX/2018, I disputed XXXX XXXX that its inaccurately being reported on my credit report stating that I owe {$2400.00}. I have yet to receive a response from regarding removing this information from my credit report and this investigation is well over the 30 days allowed per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the XXXX XXXX XXXX. Attached is proof that I owe XXXX dollars given to me from XXXX XXXX and a copy of the contract stating that I had the right to terminate the lease early.

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 2018-03-26
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I did not receive the promotional 0 % interest rate for twelve months offered when I applied for the card online. Not only did I NOT receive the 0 % interest, I received a whopping 26.24 % rate. When I noticed it on my statement, I called XXXX XXXX XXXX. The agent responded, " Maam, that was only for balance transfers. '' I first used the card in XX/XX/2017 and the last time I used it was the following month. After receiveing the first statement, I called them, but after no resolve, I imediately stopped using it. 

XXXX XXXX is using deceptive practices to lure unsuspecting victims into debt with them. I did not go on the XXXX site looking for a credit card, but instead toget an airline ticket. I already had major credit cards that I could have used for the purchase, when suddenly an ad popped up with a question asking if I wanted to save, if I remember correctly, {$50.00} on the flight? The XXXX credit card promotion offered 0 % interest and a {$50.00} credit to my card. I knew it would be approved because I had a good credit standing. I just thought it seemed like a good offer. But I know now that it was a teaser to lure in unsuspecting consumers like me. 

At this point, I feel taken advantage of by XXXX and stressed each time I get a statement. In fact, I am sitting here crying right now over the most recent one. I have contacted them again today concerning this same matter and am waiting for a reply. I have requested XXXX refund all interest charged back to my account since I first used the card last year, and I requested that they give me the duration of my 12 months to pay the remaining balance at 0 % interest rate. Please help! 

Respectfully, Unhappy in MS

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 2019-02-18
Company: CITIBANK, N.A.
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 recently sent disputes to all three crdeit bureaus as well as the creditor ( CBNA ) And ask them to send me copies of the application with my signature

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 2019-04-01
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having problems with my mortgage company which I just found out they added my hours to a foreclosure list. I had been on chapter XXXX which I completed in XXXX. In XXXX I had to file for a 4 month chapter XXXX which I completed. Since the second chapter XXXX I have made my payments on time and they are trying to foreclose my house. I made my payment in XX/XX/XXXX for XXXX and they put it in a suspense account. I made my payment on XX/XX/XXXX for XXXX and they refunded that amount back to my account. I don't know why they are doing this. I have evidence of having completed both chapter XXXX in good standing and evidence I have been on time with my payments thereafter. I feel it is plain harassment and am reaching out to your office for help in this matter. I have received correspondence and a text for realtors telling me they saw my property in a fore closure list and are reaching out in case i'd like their assistance to do a short sale for fore closure. The last two options are not an option when I completed my chapter XXXX 's and have been paying my mortgage every month on time. Upon your review of my complaint I will be more than willing to submit proof of my case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions 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:
EXPERIAN COMPLAINT Experian intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Experian, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXX repeated requests. Second, Ms. XXXX requested Experian to provide the method of accuracy & verification used by Experian pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Experian remains non-compliance till date. Third, Ms. XXXX requested Experian to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Experian again went silent.

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