BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX : Pursuant to the CFPB XX/XX/XXXX Consent Order, I have attached a letter and proposed settlement of my case for your review. 

I previously wrote to you about the corrupt litigation being advanced in XXXX XXXX, Texas by XXXX XXXX attorneys who ignored bankruptcy laws, drafted fake orders and forged and fabricated documents to steal my property for XXXX XXXX. 

You never responded to my concerns and evidence and I am writing again pursuant to the CFPB Order. 

Please respond to my XX/XX/XXXX offer of letter and apprise me whether XXXX XXXX wants to settle this case. I have provided a XX/XX/XXXX deadline to settle all claims. 

Also, to remain transparent, please provide this attached letter, proposed settlement and attached " Exhibits A-N '' to the XXXX XXXX XXXX of Directors and XXXX XXXX XXXX XXXX. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Convergent Resources, Inc.
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account with XXXX and ported the number to a different carrier. At the time the account balance was XXXX. I have tried to solve the issue at hand with Convergent and 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 2023-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells fargo charged off my account after I've made arrangements to pay my monthly fees. Then my car was repossessed without giving me any options to paysome of the amount they claimd that I owed. 
My car was repossessed in XXXX, In XXXX they sent me a letter to inform me that I still owed them {$11000.00}

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 2023-01-05
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: Account status incorrect

Complaint:
XXXX XXXX XXXX, allowed me to have XXXX XXXX payment plan for my car payment in XXXX for the XXXXXXXX XXXX, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered XXXX XXXX XXXX XXXX XXXX my account NEGATIVE in all XXXX XXXXXXXX late payments, I did a dispute with them and I sent letter to XXXX and Equifax to XXXX all the negative late payments and they never removed them, my account still remain Negative late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please investigate this issue for me because of this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello I have savings and checking accounts with the US Bank. 
Im currently located in XXXX Tx for a year and 6months now and they have my address from texas on file. There are no branches here in Tx. But A teller from KS allowed around 8 transactions withdrawal from my savings and checking accounts They thiefs even deposited ficticios checks and withdrew money to XXXXhe point bt my balance is - XXXX XXXX  The amouths withdrawn from my savings account reach to XXXXXXXX XXXX in 3 days from XX/XX/XXXX to the XXXX. 
I reported the issue as soon as I realized what was happening, the agent from the Fraud department at US bank said on XX/XX/XXXX they were sending an affidavit on the mail for me to sign and start the claim process to get my money back. I haven't received that affidavit but I have received other letters and notices from them dated XX/XX/XXXX. I called today twice The first agent was rude and misleading she said their fraud department was behind and that my affidavit was not even out yet. This raised a flag ... How many fraud cases do they have? So our money is not safe in that bank? 
During my second call another agent said the affidavit had been sent on the XXXX ... and that she requested it again to be sent by mail or e mail I was never explained before that could be sent by e mail. 
I don't trust they are giving me the right info, they are not consistent in what they are saying They are misleading and withholding information I need my money back as soon as possible my son is having a XXXX on XX/XX/XXXX If they are misleading about sending the form to start the process to get my money back, how Iam going to trust they are giving it back? 
They are also misleading about the time frame up to 4 weeks, or up to 90 days to resolve this issue?

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 2023-09-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX purchased " debt '' without my permission from XXXX XXXX TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside XXXX XXXX ( which was very abusive and harassing ). They continue to call and email me. 

I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so. 

In violation of USC 15 1602. I could list more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received your XXXX Card in the Mail without a payment address. It had a XXXX XXXX logo on it. This was in fact a dual purpose account. The clerk in XXXX never explained it to me when she gave me the card. The correct name of the card is XXXX/XXXX, not XXXX XXXX Prior to the payment being due I sent the payment to XXXX XXXX. They received the payment and showed as a credit on my account until it was transferred several months later. 

The payment was sent to XXXX XXXX, with the XXXX Credit Card Number on it. I called the XXXX number on the back of the XXXX card and advised them. I was told they would take care of it. They never did it until I made several additional calls over a period of months. 

I have written numerous letters to XXXX, this matter has never been resolved although I was in constant contact with the XXXX credit card department. 

Received a letter datedXX/XX/XXXX/XX/XX/2014, informing me it would be taken care of, it never was. Note the letter is not completely accurate as it does not show all the contact made between the parties including XXXX XXXX They were very quick to add fees and interest and interest to the fees and interest to the interest on the fees. Although they were unable to transfer money to the correct account. Bottom line the principal amount ( s ) were paid prior to the due dates. 

My opinion company XXXX is a mill to attempt to generate fees and interest, I caution everyone to be very careful and document everything religiously as it occurs. 

Their business model is to give credit to those who can not afford it and fee them to death. A quick search of the internet shows the type and number of complaints. 
Companies with this business model should not be allowed to operate, they are XXXX the American Consumer.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
15. U.S. code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of Identity theft. Please delete these items IMMEDIATELY These following account XXXX XXXX XXXX Account # XXXX I I should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S Code 1681b- permissible purpose of consumer report ( a ) In GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no there : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights.NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding these accounts to be remove 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 2023-07-31
Company: EQUIFAX, 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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see this letter as my third attempt at writing you in response to your decision to close the dispute investigation for inaccurate accounts. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 
To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 

XXXX XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX XXXX. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on 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 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: SUNTRUST BANKS, INC.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My elderly veteran father was taken to Suntrust Bank in XXXX XXXX, NC. 
An approximate {$200000.00} line of credit was taken out against his free and clear house/property. The circumstances were nefarious, the moneys whereabouts suspect to date. 
Someone set up a Suntrust checking account set on auto pay for approximately $ XXXX/mo to pay the note. 
My Dad died XX/XX/XXXX. Someone fraudulently represented themself as his POA. They closed his account days after he died, then called the same local branch to inquire : How long will it take for the foreclosure to complete? They want the land. 
I immediately began to contact Suntrust Bank by XX/XX/XXXX trying to make the payments until I could get get to the bottom of who issued the loan to an old man with a XXXX? I am the sole heir to my Fathers estate. Suntrust refused to speak with me, for several months. I recorded my interactions and the Suntrust runaround. Dads account was set up to go into foreclosure long in advance. Suntrust has a senior executive on the inside related to the person who closed the auto-pay account, for starters. 
Suntrust sent third party scabs who demanded cash if I did not want foreclosure. 
Suntrust then claimed to my attorney that I have always been welcome to make the payments. Suntrust still refused to accept my money. 
Now? Suntrust has moved the account over to their Foreclosure specialist law firm of XXXX XXXX XXXX. 
This foreclosure law firm claims the loan is 326 days past due, in foreclosure, and that I owe them for their legal fees, and {$10000.00} in interest, plus {$10000.00} monthly payments due to the late, foreclosure status. 
These people should be drawn and quartered by the veterans association, and the feds for deliberately taking advantage of an elderly, XXXX veteran, and for intentionally forcing foreclosure proceedings to profit.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2021-11-13
Company: Santander Consumer USA Holdings Inc.
State: DC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHRYSLERCAP XXXX Balance : {$10000.00} Date Opened : XX/XX/2017. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I missed a payment and when that payment became past due. I was unable to make a payment of XXXX payments to get caught up so my single payment was returned to me. I have been unable to secure a loan for past due payments and now owe {$28000.00} to get my loan current. I have been insisting on a loan modification which the lender refuses to give me. I am submitting an appeal to the servicer in regards to the loan modification denial. I was only given XXXX options to either short sale or a deed in lieu. I do not want to lose my house and feel that the bank is trying to take my house. I will now file Chapter XXXX bankruptcy to try to keep my house. I feel that I am being treated unfairly and I will be homeless if they take my house. Please do not ask the servicer to send me another stack of paper showing that they have done nothing wrong in servicing my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation