BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage loan that is being serviced by OCWEN and they are not providing me with an opportunity to save my home from foreclosure. Their representatives have made it absolutely impossible to have my loan reviewed for any form of assistance as I keep getting bounced around for person to person when I call them. I do not have an accoun tmanager who is assigned to my file because they keep switching out my single point of contact and this is making it impossible to get straight answers. Due to XXXX, I had some lost income which hurt us financially and we had to fall behind on our mortgage, but we are now back on our feet and want to work out our mortgage issues. However, OCWEN has other ideas and are restricting our ability to access obtain a loan modification that could help our situation. Our problems began even before I had XXXX when we refinanced our loan. We needed to reduce our monthly mortgage payment and wanted some money for our sons college education. After we refinanced our payments kept going up and up. Apparently we were given an adjustable rate mortgage when we were told it would be a fixed mortgage. I believe we were conned into a toxic loan when we refinanced our mortgage. This hit us very hard since we expected our mortgage payment to stay at the newly reduced payment, but our mortgage payment continued to climb. The loan should have never been written and we were tricked into refinancing into a loan that had little benefit to us. My XXXX weakened us financially and we needed some help with our mortgage payment. When we contacted them our loan was current and they said they could not help us until we were delinquent on our mortgage. We were stopped making payments based on their advice, but this turned into a nightmare as we can not get OCWEN to complete a review for retention options on our property. OCWEN doesnt appear to be doing anything to move things forward and this has become incredibly frustrating. We feel that OCWEN has no interest in helping our family and that our request for assistance is going nowhere. We see that the United States Government fined them over {$2.00} billion for this type of activity and gave them billions more to help homeowners, but this apparently isnt enough for them to help us. We are hoping you can help us deal with the issues we are having with OCWEN.

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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX and XXXX have deleted XXXX XXXX from my account because of inaccurate information. However, TransUnion has continued to break the Law pursuant to 15 U.S.C 1681 by reporting inaccurate credit information on my credit report. 

I have a letter from XXXX XXXX XXXX XXXX stating this account has a balance and past due amount of ZERO.

If the account has a balance of ZERO, then why is TransUnion reporting this account as derogatory?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I noticed a collections account from EOS CCA for $ XXXXwith an opening date of XX/XX/XXXX. I contacted EOS CCA and was informed that this was a debt collector for a final XXXX bill dated XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX to determine next steps and was informed that it was a XXXX XXXX account. On XX/XX/XXXX I contacted XXXX XXXX and was repeatedly told nothing could be done because XXXX no longer had access to the account since it had been sold to a collection agency. 
I contacted EOS multiple times due to a language barrier and the telephone lines being closed during their normal business hours. EOS will send me a verification of the debt within 30 days. EOS informed me of the following via telephone : 1 ) XXXX mailed the bill to my address without my apartment number. My previous community had approx. 500 units. 
FACTS : All communication that I had with XXXX XXXX was electronic. My service was disconnected ( because I was moving ) and once service is disconnected so is your access to your online account. My mail was forwarded to my new address. 
2 ) XXXX notified me of the bill in XX/XX/XXXX, XX/XX/XXXX and then sent the bill to collections in XX/XX/XXXX. 
3 ) I asked EOS why the didnt contact me in XX/XX/XXXX. They told me they attempted to call me once in XXXX to a XXXX XXXX XXXX XXXX and was unable to reach me. This telephone number that they contacted me was likely a telephone number assigned to me in one of the XXXX packaged deal that was RARELY if ever used and was disconnected along with the TV and internet services. 
4 ) EOS informed me that it is against their companys policy to delete collections from credit reports I have no issues of paying a {$31.00} bill, but I can neither confirm whether I received it or paid it since it was 2 years ago. It is very frustrating that this has negatively affected my credit score without my knowledge of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hi my name is XXXX XXXX and I need to Dispute some late payment report history with XXXX XXXX It's showing 3 months late.I. became behind due to covid 19.Another dispute I have is with Jc Pennies with some late payments due to covid 19 as well. the account is SYNCB/Jc penny # XXXX and XXXX XXXX is XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Last XX/XX/XXXX, I sent this credit bureau a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting to removed accounts : XXXX XXXXXXXX XXXX ac # XXXX and XXXX account XXXX ac # XXXX ( high balance {$26000.00}, opened XX/XX/XXXX ). On the letter I sent to this credit bureau, I quoted the stipulations of FCRA 605B which states that " a reported fraudulent account, with required documentations MUST be removed within 4 business days upon receipt ''. Again the letter, FTC ID THEFT REPORT and POLICE REPORT was sent to them XX/XX/XXXX. Clearly, this credit bureau has violated and showed negligence and none compliance with the FCRA stipulations. I will see legal assistance if these accounts will continue to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Capital One Auto Finance was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed they then repossessed the vehicle in which they clearly had no intrest in pursuant to 1692e and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX XXXX Lien search was done Name dosent come up with a lien complaint was filed to the nys attorney general Intake Reference Number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: MN
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:
Dispute letters sent out : XX/XX/2021, XX/XX/2021, XX/XX/2021 I've sent letters going back and forth about the items that are listed on my credit report and Experian has continuously disregarded my letters and have came back with so many different responses such as they verified it with the original company, or it has been updated. It is negatively affecting me to the point where I can not obtain new credit at all for anything. I've attached all my documents to reference to that are very clear on my steps to correct my credit reports. There are negative items that are affecting my credit severely. THIS IS MY 3RD COMPLAINT THAT I HAVE SUBMITTED AND EXPERIAN SAYS ONCE AGAIN THERE IS A 3RD PARTY? I WILL TAKE FURTHER ACTION IF THEY CONTINUE TO OVERLOOK MY COMPLAINTS. I'VE HAD ENOUGH AT THIS POINT. I'M NOT GOING TO KEEP PLAYING THIS GAME OF A 3RD PARTY, I AM SUBMITTING THIS ON MY BEHALF AND WHEN I TRIED CALLING YOUR DISPUTE DEPT THEY HUNG UP ON ME AND LATER SAID THEY WERE CLOSED.

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 2021-07-03
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: Investigation took more than 30 days

Complaint:
I have tried everything, I tried everywhere, I still see no results. I am a victim of the Equifax data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and XXXX has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to XXXX in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. XXXX must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

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 2021-02-10
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been with paypal as my credit card processing bank for 18 years. they just locked my account and wont let me withdraw my money from sales of products. We are a XXXX XXXX XXXX helping XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX. We are a very small business and I need that money to pay bills and keep the business running. 
Paypal is doing this as retaliation because they paid out Seller protection money to us. which is they're Insurance plan if you will if anything happens to the transaction Paypal is suppose to cover it under the seller protection plan they made.

a stolen credit card was used and the product was stolen from us as it was delivered and I am sure resold somewhere else. Paypal did not take the money back form us. but instead we got our account locked saying we could not withdraw money or pay for anything from our paypal account. we have over {$20000.00} in there now. 
I have called into payal and spoke to a supervisor who said they would not release the hold on the account. and that they had to act like any regular bank. I told him no bank does this. they can not with hold my money. 
they are telling us we have to give them 6 Months of bank statements from another bank. which we already confirmed with paypal when we opened the account. Paypal has been depositing the money for us everyday since 2003 into this account. we should not have to stop everything and pay the bank to give us statements that are private information to load up to paypal to get stolen. they also want 2 years of financial statements. this is ridiculous. they have no right to do that and punish us just because they had to honor their seller protection plan. 
they are telling us we cant even close our account and get our money out. 
Paypal Has overstepped its boundaries. and if need be we will complain to FDIC and our Senators also, Attorney General, And any other banking regulator. since paypal said they were a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was served a summons to answer to a debt I owed at that time. The total amount including late charges and legal fees was {$2400.00}. I was given 30 days from the date of service to respond to contact the plaintiff 's attorney which I did on XXXX, XXXX and subsequently paid the amount in full also on that date. 

Plaintiff : Preserve at XXXX XXXX XXXX XXXX Attorney/debt collector : XXXX XXXX XXXX, XXXX. of Lazega & Johanson LLC Although I provided the payment information to the collector I received a letter in XX/XX/XXXX advising that a judgment was made against me in the XXXX XXXX XXXX for the same debt that I paid. I did not have a job then and could not afford a lawyer and my efforts to contact XXXX XXXX were unsuccessful. I met with the plaintiff at their office and they were satisfied that the payment was made and instructed XXXX XXXX to refund late charges to me which I never received. I thought the matter was settled until I received notice of garnishment twice which was dismissed by XXXX and XXXX XXXX XXXX. 

I recently began working at a hospital and after returning from quarantine due to testing positive for covid I discovered that my pay was being garnished for the same debt that was paid over a year ago. I had paid XXXX for legal service after the second garnishment attempt, however the failed to protect me from this dishonest collector. 

Please help me, I am already struggling with XXXX. Please help me. Thanks

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 2021-07-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and Equifax has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to Equifax in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. Equifax must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( XXXX, XXXX, TransUnion ) to fix this matter but each bureau failed to resolve this matter. XXXX has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( XXXX, XXXX, TransUnion ) keep having and miss reporting information to my file.

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: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Receive a cordial greeting. 
The present is to report the first days of XX/XX/2019, I was a victim of fraud in my savings and check accounts that I have with 53 Bank. My accounts were emptied. more than {$20000.00}, stolen. 
Account information Name : XXXX XXXX by  XXXX Accounts summary, Numbers : XXXX XXXX XXXX ; XXXX XXXX XXXX, I am currently in XXXX To summarize the process : " On XX/XX/2019, I was sent a debit card to the address of my home that I have registered in my accounts. For the day today I have not received it. I don't know who took the card, and on XX/XX/XXXX they started to make withdrawals at ATMs, repeatedly for more than 15 days. I have a phone number associated with my account in the United States which is XXXX XXXX, in this I did not receive calls from any representative of the bank alerting the situation or asking for authorization to make the cash withdrawals from my account. 
I have an email associated with my accounts which is XXXX, in this I do not receive fraud alerts, notification of card activation, any notification that would alert me what was happening with my money. Only as of XX/XX/XXXX I begin to receive low balance notices in my accounts. It's that moment is that when I communicate with the bank. '' The number of cases are as follows : Savings Dispute : XXXX - Cheque Dispute : XXXX Therefore I do not recognize withdrawals or charges to my account, because I do not have a debit card, I do not request a card activation to anyone, do not speak to the representative of the bank authorizing withdrawals, in addition to never receiving alert by mail or phone to stop the fraud that was being committed. 
I also do not recognize charges that have been generated by overdraft, or under balance sheet because of fraud. 
Please I need help, are my saving, I'm a senior person. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Ive applied for mortgage loans and have been denied several times. Transunion continues to tell me to call my banking agency and my banking agency says that they report within 48 hours of statement close. My credit score has been affected as well as my eligibility for certain products. My XXXX credit card has a XXXX balance, XXXX XXXX checking line of credit has a XXXX balance and my XXXX XXXX  cash rewards card has a XXXX balance.

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 2020-05-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a few emails congratulating me on my new account. Then text conformation. I thought they were spam. So I brushed them off and deleted. Then a few days ago I got a checkbook in the mail from a bank I did not open a bank account with. Somehow someone has my personal information and opened a bank account in my name. I called the bank and reported it as fraud and asked them to close all accounts in my name. TD bank is the name of the bank. My name is XXXX XXXX and I wish to report my identifications have been compromised.

Company response to consumer: Closed with non-monetary relief