BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They said there is not enough time to do a modification due to the sheriff sale being so close. They speak a different language they arent even from the XXXX. They have zero sympathy for what has happened to me and they want XXXX XXXX dollars to keep my house l. Insane. I lost my job in XXXX of 2019 then COVID hit a few months after and it was devastating. These mortgages companies do not care about Americans becoming homeless someone please help us. They will not. Millions of us are losing homes and they want all the months past due on the house are you serious l? How is that realistic?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS.

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 2019-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with Bank of America. I knew that I had some significant charges that were going to hit my account around XX/XX/XXXX, so I transferred {$3000.00} from my XXXX XXXX savings account to the Bank of America checking account on XX/XX/XXXX. Some of the charges hit the checking account on XX/XX/XXXX, but the on-line transaction activity statement for the account showed that the account had a balance of {$170.00} as of the end of the day on XX/XX/XXXX. However, the bank still hit me with a {$12.00} overdraft fee and hit me with a {$100.00} cash advance from a credit card. I called the bank 's customer service phone line to find out what happened. The customer service representative said that I had an overdraft position on XX/XX/XXXX with the " in-process '' charges were included. When I told the representative that I had a {$170.00} at the end of the day on XX/XX/XXXX with the in-process charges, she hung up on me. 

I believe that the actions of Bank of America were unethical and illegal. In addition, even though XXXX XXXX XXXX  stated that the {$3000.00} was transferred on XX/XX/XXXX, it was not credited to my Bank of America account until XX/XX/XXXX. Bank of America always holds the funds for a day before crediting them to my account, which also seems to be unethical and illegal.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: MA
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

BANKRUPTCY XXXX {$0.00} COLLECTION XXXX {$510.00} XXXX   XXXX {$600.00} XXXX   XXXX {$590.00} XXXX XXXX   XXXX {$330.00} XXXX   XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX   XXXX {$6000.00}

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 2018-02-18
Company: Santander Consumer USA Holdings Inc.
State: OR
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:
In 2016 I filed numerous disputes with XXXX XXXX XXXX, Santander consumer USA, and XXXX XXXXXXXX XXXX regarding an account that is very old. Not only is the information they are providing incorrect, ie status, history etc, but they are ONLY reporting negative information and none of the positive info. They failed to respond to one dispute within 30 days and did nothing, sending me a letter stating that they dont need to respond to every dispute or something to that effect, and all of the other disputes were verified as accurate which they are not. Even IF, and it is not, but even IF the information was accurate, they are ONLY reporting negative info which i believe to be a violation based on information provided by this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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:
There are errors reporting on my credit report that need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. You have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. XXXX Account Number : XXXX Please Submit onto the ACDV form and please Delete it under section 1681s ( 2 ) ( b ) 2. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it XXXX have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. 
XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 4. You have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. 
XXXX XXXX XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

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 2020-01-28
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Initiated a dispute with PayPal which was initially refunded in the amount of {$39.00} ( Refunded XX/XX/XXXX ). Refund was for a cancelled subscription service that was cancelled under the free trial period and should not have been billed. Initial transaction was erroneously made on XX/XX/XXXX. 

Later, PayPal reversed their credit and placed the paypal account into a negative balance for the transaction amount ( XX/XX/XXXX ). In the course of this, PayPal limited the account and it is unable to be used before satisfying the negative balance that should not be present. 

PayPal 's assigned case number is Case ID : XXXX. PayPal credit mastercard was also billed on XX/XX/XXXX by the same merchant which has a cancelled account, a dispute has been initiated with the servicer of the PayPal Mastercard. 

PayPal has not responded to requests in an expedient manner. PayPal also ignored 2 other small claims ( amts of $ XXXXCAD and $ XXXXCAD ) that were made for items not being delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX has sent document of loan paid in full XX/XX/XXXX. I have dispute this account in XXXX and XXXX of XXXX. The Loan amount {$410.00} placed XX/XX/XXXX. was paid off on XX/XX/XXXX and the closed was closed. Experian Credit report has account open with a balance. I have proof of paid off. Experian has not update this account since XX/XX/XXXX. Account # XXXX : XXXX. Please have account updated as closed and paid in full.

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 2021-02-24
Company: ENCORE CAPITAL GROUP 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Capio Partners, LLC
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:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.

As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.

I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.

In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will  proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
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: Information belongs to someone else

Complaint:
To who this may concern, I am a victim of Identity theft. There were fraudulent accounts opened up in my name that I request be removed from my report. I can't move on with my life. My wife and kids are dependent on me and I need you to help me. I have filed a report with the FTC that is attached with my ID and a notarized letter stating the accounts that are fraudulent on my credit report to prove my Identity that it is 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 2020-07-07
Company: Experian Information Solutions Inc.
State: TN
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XX/XX/XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-03-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Noticed two different banks it's XXXX XXXX bank and its Chase Bank I opened the accounts. I deposited money into both accounts no problem. I explained to them that I was trying to start my own little business and part of my business and I'm working with another individual who I can not name at this present time. But it was so the point of they were going to make donations, Charities, Investments into my in order for me to go and process and purchase the items that were needed to keep the company afloat. I did explain to them that there were charges on there and individuals that I did not know therefore I don't understand why they were going to try to return my income tax money that I received back to certain individuals that I had already explained to them what they had did. Just like now they are still holding my income tax my stimulus check I was supposed to receive I still not have received I have I am a single parent with XXXX kids and since XXXX up until now I'm going into XXXX I have not been able to afford to pay my bills taken care of what I need because they're holding my government money and my income tax Chase 's. As far as XXXX XXXX I explained to them the same thing and they decided they were going to close my account after I sent them a mugshot the individual that I felt was doing fraudulent activity on my account that called and said that they did not make a transaction into my account which come to find out they did and I was not aware of the record that this person had already had. Once I was aware I sent them a mugshot I sent information in there still choose not to open my account back up there still choosing not to release my funds and it's causing a major problem because I had invested in the XXXX she start to generate some money on my own and since Chase closed my account they have locked my XX/XX/XXXX account which I can't access funds from there I can't access phone from my XX/XX/XXXXbecause of the same thing that's tied and so I have four different accounts that I can not access nor access my money. I don't appreciate the rudeness that they gave me I don't appreciate the simple fact that they are charging me and withholding my money after they've already been notified of the circumstances they don't want to release the full information on these people to me like they should but they have no problem with giving these people my money that's where I have a problem with this app you're supposed to be protecting my account from fraudulent activity but you're locking me out of my account for me to even get my money when my income tax did post and land into the account Chase decided that they were going to hold my money wish there still doing now and not release my funds to me which was my funds versus going after the people that which is false they went into agreement with you before they even just deposited their money so I'm not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Army and Air Force Exchange Service
State: CA
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 duplicate reporting and one of them is closed and the other is currently opened and I had missed payment on them but ive been making payments on time and in fact I paid the balance down to 10 %.

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 2018-09-24
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Huntington National Bank is currently offering a promotion where, if you make {$15000.00} in deposits, they will credit you {$500.00}. Having the money to spare, I opened an account in attempt to satisfy these requirements. 

On XX/XX/2018 I sent the first {$7500.00} and on XX/XX/XXXX I sent {$7500.00}, both times from my personal XXXX checking account. 

On both occasions, after the funds had posted to the Huntington account, I withdrew the money to send back to myself. In hindsight, I realize this was probably not the best choice of action and was likely to raise a red flag, but because the promotional offer involved moving large sums of money I did not think twice. 

Huntington will not let me access my account after flagging it as possible identity theft. They want me to come into branch with ID which is no problem except I live in CA and their branches are in the XXXX, over a thousand miles away. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Information belongs to someone else

Complaint:
I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation