BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX my mortgage has been serviced by Ocwen. They have never handled my escrow account properly. The first red flag was that it took two months to get Ocwen to acknowledge my property insurance policy number. On XX/XX/XXXX, after numerous unsuccessful calls from both myself AND my insurance agent I finally had to make a three way call with Ocwen and my insurance agent to prove to the Ocwen agent that my XXXX XXXX XXXX WAS accepting calls at the number I gave him. 
Twice a year, they mail a letter to me requesting that I send my actual property tax bill in an enclosed return envelope, by a specific date. I am never sure if I will receive this letter at all, let alone on time. If and when I do receive the letter, nowhere on the envelope or in the return window does it state that it is from Ocwen or that it is regarding a time sensitive issue from a mortgage company. As far as business practices are concerned there is no good reason to do this. Excluding the business name on the envelope makes it appear no different than junk mail. 
Since XX/XX/XXXX I have been asking Ocwen why they choose to exclude their company name on these envelopes and they will not answer the question. 
I have always paid my bills in a timely manner and have a great credit record. I can pay property tax and insurance on my own without these issues. I sent a request for escrow account waiver XX/XX/XXXX and have not received a response about that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Asset Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX that a debt I owed them had been sold. I knew nothing about this debt and contacted the original vendor associated with XXXX XXXX  to report a fraudulent charge and they stated they would refer this to their fraud department. I was never contacted by anyone with the fraud department. 
I then received a letter from a debt collector, Asset Recovery Solutions , LLC for a debt they claimed was owed to XXXX XXXX. Within 30 days of the original letter, I sent a letter to them stating the debt is disputed and requested verification of the debt pursuant to 15 U.S.C. 1692g. I never received any verification, but was once again contacted by Asset Recovery Solutions requesting a payment of {$100.00}. 
This debt is not mine, I have no knowledge of the debt. However, without further verification, I don't know if this is a result of identity theft or simply a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: The Receivable Management Services LLC
State: TX
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:
On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to XXXX  requesting evidentiary documentation to verify an existing debt with multiple companies. XXXX  failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.

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 2020-12-10
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
PayPal recently reviewed their terms of service. They have locked accounts that do not have Social Security Numbers assigned to them. They will not allow the accounts to receive money and more importantly will not allow the account to remove the funds already in the account nor will they allow the user to delete the account without the account holder giving them their SSN. They are holding personal information hostage in exchange for SSN 's. If Paypal requires the information for doing business in the future that is fine however you should be able to delete your account to protect your personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Douglas, Chancellor, Meyers and Associates, LLC
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:
Douglas Meyer reported an account that was opened in XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with XXXX   3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and Douglas Chancellor Meyer said he had until XXXX of XXXX to remove it. This has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Omega RMS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX called me on XX/XX/XXXX and XX/XX/XXXX *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/XXXX ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX continues to call and I have two voicemail messages from them on XX/XX/XXXX lasting 20 seconds and on XX/XX/XXXX lasting 31 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello there! 

I got a problem with PayPal again. I sent money to my mom and they put my personal and business accounts under reviews because I sent money to my Mother. They asked me to give them some information which I did gave them but they havent take the restrictions on my personal and business accounts yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please remove fraudulent addresses. 
I was a victim of identity fraud. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX 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 2023-01-20
Company: DISCOVER BANK
State: AZ
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 company is violating Arizonas Statutory limits of 3 years of credit card debt. The company is utilizing higher ups to coerce payment and exercise stall tactics in order to continue to violate my consumer rights as a United States citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
when I was checking my bill online for XXXX, I found out that the interest is more than any other month statement date Due date total principal interest XX/XX/22 XXXX {$740.00} {$240.00} {$450.00} all other statements show less interests, the month before was showing {$280.00}, the month before was {$29000.00} interests and so on, and as I know the interest is % 19 fixed rate. I decided to call customer service and I spoke with XXXX who mentioned that his Employ ID is XXXX, I asked him why I am paying {$160.00} extra interest since I have never missed any payment, he stated that because I paid my monthly payment 6 days earlier before my due date, I asked him how come, if I paid 5 days earlier that would save me interest and not adding {$160.00} extra. also Santander dont show how much interest and principal I have to pay with every bill they generated, but it showing on the next billing cycle, so their bill is just how much I have to pay without explanation till I get the next bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: VA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX : {$140.00} XXXX XXXXXXXX : {$210.00} XXXX XXXXXXXX : {$210.00} XXXX XXXX : {$210.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1400.00}

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 non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-12-10
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I was notified that a collection had appeared on my equifax credit report reported by Consumer Adjustment Company Account # XXXX balance of XXXX $ I was never notified in writing that this account was placed in collection with this agency, I called to get an account number because I never had that information, The address the have is XXXX XXXX XXXX XXXX XXXX, CA XXXX but I no longer live at that address and if they did contact me there It was never forwarded to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: LEXISNEXIS
State: IL
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:
there is a bankruptcy report that i did not give consent to be on my consumer report. by law it is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
On XX/XX/2019, discover financial started reporting me as deceased and closed the account. I attempted several months in a row to make my payments and Discover would not allow me to because of the deceased status. I informed them multiple times they were reporting me as deceased incorrectly. They requested I contact the Social Security office to fix the mistake, which I did, and provided the corrected information to discover financial. They have since charged off the account and have been reporting to all three credit bureaus since XX/XX/2019 that I am late on my monthly payments. discover financial never contacted me to reinstate my payments or communicate any information regarding the account. They currently have me listed as alive however continue to report negatively with the three credit bureaus. I originally requested that they remove the deceased status and all negative reporting from the three credit bureaus, but they have only agreed to remove the deceased reporting and not the charge off or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: ALLY FINANCIAL INC.
State: MD
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:
On my Three bureaus it is showing that Ally Financial is closed and charged off for the amount of XXXX. When I have a letter form Ally on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.

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 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The company, Capital One, has been stating that I've had an account with them it was unsatisfactory and they will not accept my documents to show this was identity theft and not me. They will not issue me a credit card or a business credit card because of this. I have sent NUMEROUS documents to them for several years with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX continuously reports a late payment on my account although they were paid on time and there was not thirty days between payments.

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 2022-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EQUIFAX DOESN'T HAVE MY PERMISSION NOR HAVE I EVER GAVE CONSENT FOR THEM TO FURNISH OR CREATE MY REPORT. THEY DID NOT RESPECT MY RIGHT TO PRIVACY. THEY WERE UNFAIR AND PARTICLE. THEY DID NOT DO THEIR GRAVE RESPOSIBILITY. I NEVER CONSENTED TO THEIR REPORTING IN THE FIRST PLACE. THEY ASSUMED THE ROLL OF REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Section 604 15 u.s. code 1681 b clearly states that credit reporting agencies dont have the right to report anything on my credit report without my consent which they did also Section 605 15 U.s code 1681 C-1 States that with no consent = identity theft which is correct because no credit agencies have my consent.

Section 605 B 15 U.S. code 1681 C-2 States that if there notified about something on my report from identity theft or fraud its clearly because I did not consent to it I need these collections account removed of my credit report this is not mine I did not consent to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CMM Finance, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
CMM finance denied my request for a week later payment so they enforced a tow truck to repossess my vehicle they even followed me to the store where he hooked my vehicle to his truck with my family in it. He XXXX  me and my family, he was unfair and XXXX. He and XXXX XXXX has put my family and I through horrible conditions and has left us traumatized. He also called the police which was very unnecessary being he was In violation ( XXXX XXXX XXXX ) and Very unprofessional

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602a and 602b. States that I have the right to privacy and accuracy within my credit report.

15 U.S.C 1681 section 604a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

on XXXX XXXX I sent letters to XXXX XXXX Equifax and XXXX about inaccurate information that was in my credit report and as of today Monday XXXX XXXX the inaccurate information is still present in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I used my brand new credit card from bread cash back American Express to rent a vehicle with XXXX rent a car everything went fine i was billed from XXXX on That card with no problem. A few weeks later in XXXX I get an additional charge of almost {$1100.00} on my Bread cashback card from XXXX I immediately called XXXX they didnt have any record or even understand why I had an additional charge on my card I had to send them info to prove the charge was on my card I then called back bread cash back American Express to tell them this was a fraudulent charge and they said they would look into it I even got a few letters from American Express telling me to be patient they are working on it but as of today XX/XX/2023 and it is still on my account this fraudulent charge occurred on XX/XX/2023 I alerted both companies it was fraudulent charge within a weeks time of that fraudulent charge I dont understand why I am not being helped in this matter by American Express for a fraudulent charge against my account please help Ive spent well over 3 hours on the phone with American Express to no avail. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: NJ
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation