BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: Law Offices of Crystal Moroney, P.C.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I got a phone call from XXXX he said he was from XXXX XXXX XXXX XXXX. His name was XXXX, he said he was trying to collect a debt I owed from XX/XX/XXXX on a book I rented online. The book was XXXX XXXX XXXX XXXX. Well I didn't order this book online. He wanted me to pay today with my debit card. I have not recieved any letter from this law office in New York.So I did not give this man any information. Went online typed in the number and bingo XXXX XXXX is a very busy man trying to scam peoples money. You might want to check into this. I am calling XXXX XXXX personally tomorrow to see if she has any information of this claim. I will not pay anything without getting written information first.

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: Ocwen Financial Corporation
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:
A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, Ocwen continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on Ocwen 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from Ocwen in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reached out to my mortgage company who started servicing my home loan since XX/XX/XXXX From the beginning Ive always made my payments every month since then. I reached out to Flagstar a  couple of times in the past to see if there was anyway I could have my due date updated as I was incurring late fees every month, due to my financial situation Im only able to pay towards the end of the month past the grace period cut off date. I was advised several times that I was unable, I called Flagstar XX/XX/XXXX to see if they would negotiate the late charges on the account the first representative I spoke to was not able to assist me and seemed very un motivated to help the consumer, I asked if I could speak to a supervisor in which he kept me on hold for over 15 minutes to then just transfer me back into the collections call que, I then had to repeat my situation to the second representative asked what they could do to assist me and my reasons of why my account incurred late charges, the agent advised me that they would require me to pay {$600.00} + my XX/XX/XXXX payment in order for them to remove some late charges, I advised I was unable to do that at the time and that my ultimate goal was bring my loan due for XX/XX/XXXX but with late fees waived so that I had a fresh start as I received help. The agent advised her escalations team would not do that and was unable to assist me, as a consumer I felt like I was not being helped even when I advised that I could make two payments ahead of time. Im asking for my late payments to be waived and possibly have a due date change

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 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Late payments showing up on my credit report and these guys are predatory lenders. Interest paid off the entire loan and 8 years later they are still billing 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 2021-09-02
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$220.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$74.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Paypal Holdings, Inc
State: CA
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 been a paypal account holder since XXXX. In XXXX, my paypal account was deactivated ( without explanation ), locking me out of my account. 

I have repeatedly to access my account, contact paypal, and have my account unlocked and have since received funds into the account for which paypal will not let me access. 

After more than 10 calls, I was finally transferred to an external party which noted I had 'collections ' on my account in the amount of ~ {$60.00}. The individual at the debt collection firm spent almost 45 minutes on the phone with me trying to understand what my collection was for. I was supposed to be provided evidence of the case, and more than one year later, have still not received any information from the debt collection agency, from paypal, or from any other source. 

I am a XXXX XXXX XXXX and have no clue 1 ) why my account was suspended, 2 ) why it has been on placed for collections, and 3 ) what is being done about the situation. I provided all needed information and requested clarity on why my account was locked and what this was for. 

Unfortunately, more than a year later, paypal will not speak to me, and transfers me ( continually ) to  an outside debt collection agency for charges I have yet to have seen, while simultaneously locking me out of my account with no explanation. 

I have no clue what charges are being referenced and have a perfect FICO score. I can no longer tolerate paypal to lock me out of my financial account with 1 ) no comment on why my account was locked, 2 ) use of a debt collection agency which can not confirm on charges posted, and 3 ) prohibit access to my account and funds. 

I need to access to my account, the funds held within the account, and interest on those funds that have been inaccessible for more than a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Spring Oaks Capital, LLC
State: SC
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:
Today XX/XX/21 upon checking credit, i see a new collections on my profile from SPRING OAKS CAPITAL LLC for XXXX XXXX XXXX. Which i never had before nor inquired about. Already made a complaint with XXXX. Tried calling them & they wont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hey I haven't authorized these hard inquiries on my credit report please help me remove them as they are affecting 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 2019-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.

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: Ability Recovery Services, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XX/XX/2017 ARS ( Abilty Recovery Services ) for XXXX XXXX was deleted off of my XXXX report because I had never attended school there and this was a fraudulent account. Today I received an alert from XXXX   monitoring as well as XXXX stating that this account was back on my report. Ive nevee received notification from XXXX  advising within 5 days that this account would be Inserted back on the report. According to FCRA SEC 611 The reinsertion restrictions of section 611 ( a ) ( 5 ) ( B ) apply only to those situations where a dispute was resolved with a determination that the information was either incomplete or inaccurate or if the accuracy of the disputed information could not be verified as accurate at the time of the dispute. 
Information for which the accuracy was disputed and was not verified at the time of the dispute remains challenged, unverified. 

Im requesting that this account be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Wallet made an unauthorized transaction to an unknown wallet on XX/XX/2021. 
They transferred XXXX XXXX ( XXXX ) resulting in a loss of over {$2400.00}. 

I submitted a claim and the company wrote back saying the wallet is compromised and there is nothing they can do. They suggested changing to a new wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: NY
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 completed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Their investigation did not fix an error on your report

Complaint:
i talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 completed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2019-11-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a collection reporting on my credit file with hunter Warfield for an apartment complex. I do not owe the money they are indicating. I was on a month to month rental paying an additional {$200.00} a month for going month to month and I gave written notice when I moved. This apartment complex has changed hands several times so that may be where the mix up occurred but regardless I don't owe anything to either company.

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 2020-01-24
Company: EQUIFAX, 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:
On XX/XX/2020 I went to XXXX XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get onXXXX in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: THRIVE MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We entered into a construction loan On XX/XX/XXXX. The term of the loan was for 12 months in which we had to close into permanent conventional loan. We began the process to close on our permanent loan in XXXX. All of our obligations were met, but the company will not give a payoff for our loan to close because the builder is refusing to take his final draw on the account. The builder has been deceitful in his practice and through no fault of ours. We have been paying interest @ 7 % on a construction loan that will expire and be in default XX/XX/XXXX. We are more than capable of paying off this loan either through money wire transfer or through a conventional loan. By Thrive mortgage refusing to give us payoff they are forcing us into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2018-02-09
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: Problem with personal statement of dispute

Complaint:
I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and Experian and Im only getting a reply that the information was updated.

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 2018-02-09
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: Problem with personal statement of dispute

Complaint:
I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with trans union, and XXXX and Im only getting a reply that the information was updated.

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 2018-03-30
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
an account has been reported to my credit report again that has been previously removed by other collection agency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Penn Credit Corporation
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: Old information reappears or never goes away

Complaint:
Recently an account that was previously listed on my credit report that had been deleted reappeared without proper notification.This account appeared on XX/XX/XXXX on my XXXX   credit report in the amount of {$1500.00}, and also on my XXXX credit report on XX/XX/XXXX. I was not properly notified which is supposed to be mandated according to the FCRA. Also the information was not certified to be correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account NameCHASE CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via XXXX  online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
IT HAS BEEN MORE THAN 7 YEARS SINCE MY BANKRUPTCY CLOSED AND IT SHOULDN'T BE REPORTING TO MY CREDIT PROFILE.

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