BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Struggling to pay mortgage, loosing my home to foreclosure. Had this arrangement with OCWEN property foreclosure which OCWEN now denies. Believe should of received compensation as per OCWEN. OCWEN send me an eligible application, when I submitted it they denied me. See documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Diversified Adjustment Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent multiple complaints in to this company. They refuse to cooperate. They have not sent anything back to me to verify this as my account. THey haven't sent a copy of the application, or a copy of the IDs submitted with to application to prove it was me. THe account is not mine as is opened as a result of identity theft

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company in question is Zelle Pay. They cancelled a transaction and refuse to ensure my money is returned. I have used this service a couple of times already to pay my landlord XXXX XXXX for rent. He has a Zelle participating bank account with XXXX. My bank account is with XXXX, which is not participating in Zelle and I have been using the Zelle Pay app. 

On XX/XX/XXXX I sent {$500.00} which was posted successfully from my bank account. Unlike the other times, I received no confirmation from Zelle. On XX/XX/XXXX Mr XXXX received an error message stating the transaction was cancelled. Neither me nor my bank ( XXXX ) received any notice of any issue. No money was returned to my bank or to me. This transaction does not appear in my Zelle user history!! 

On Sunday XX/XX/XXXX Mr XXXX informed me that he did not receive my payment. 
On Monday XX/XX/XXXX I called my bank and they confirmed sending the payment successfully to Zelle. Mr XXXX called XXXX and they confirmed the payment was not successful and had been cancelled. I reminded him this could not have been cancelled by me as Zelle does not allow users to cancel. It was cancelled from the recipient bank ( XXXX ). 

On Tuesday XX/XX/XXXX I called Zelle to find out when my money would be returned- they said it is my banks responsibility not theirs and that my bank has the money. I called my bank and found this is not true. XXXX from XXXX and I did a three way call with XXXX the supervisor at Zelle who also claimed Zelle is not responsible for these transfers and does not maintain transaction records. She gave us the cancelled transaction number and had no other information. XXXX from XXXX said that she filed an internal dispute paperwork but is unable to complete it without tracer information from the transaction history, which is a basic record that Zelle should have on file. The Zelle rep told me to fill out an online request which I did. I never received a response. 

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I again called Zelle and was refused further information or assistance. The service reps are instructed to claim that the money was immediately returned to my bank and to my account. Neither is true and I called XXXX again to confirm this. I said to the Zelle representative that this transaction was not completed as per my authorization and that I would follow up with a fraud dispute. I again was told there is no transaction information kept by Zelle. 

Zelle Pay is failing it's proper diligence for a company that advertises widely as a safe Financial service backed by major US banks. It should be investigated and sued for there are many consumer complaints of fraud and lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
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'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Equifax has deleted 2 Credit Card Accounts that are current and in very good standing. They are my XXXX XXXX cards ( XXXX & XXXX ) Credit history length is a large factor in my credit report and both are about a year old and now DELETED no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LexisNexis is violating my consumer rights 15 USC 1681- I provided them with a signed court order vacating fraud bankruptcies filed using my personal information. LexisNexis has not deleted the bankruptcies from my file. Nor have they notified the credit reporting bureaus to have them removed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
FMS Financial Solutions placed a collection on my credit file XX/XX/19 in the amount of {$9800.00}. When I asked for verification of this debt ( signed agreement, relationship documents or payment history ) as I am entitled to under FCRA and FDCPA. I did not receive any documentation that would justify this account reporting on my credit report. 
When I contacted them by phone I was sent directly to voice mail, placed on hold for extended periods of time or hung up on. In my attempts to file a civil suit in XXXX MD, I could not get this case to go before a judge. This gives a clear indication that the system designed to protect the consumer no longer works.These type of predatory practices by FMS Financial Solutions should be deemed unlawful. 

FDCPA violations : sections 604,605A,606,607,609, ,610,611,616,617,623 FCRA violations : sections 803,804,805,807,808,809 and 813 Each violation carries a fine of {$1000.00}

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 2022-12-28
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I received a bill in the mail in XXXX XXXX for a discover credit card account unfamiliar to me. XXXX None of which Ive used or opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, then President Bush signed into law a provision for the cancellation of federal student loans for XXXX XXXX XXXX   who made payments on time for ten years. I did everything I was supposed to do for that ten-year period and have continued to do so in order to take part in this loan cancellation program I am entitled to. In XX/XX/XXXX, I contacted Navient to have my student loans canceled. I was told I didn't have the correct loan so they would need to re-finance under a different loan and I would have to make payments for another ten years in order to take part in this. Since that time, they have taken as much as {$480.00} in one months ' interest. Their interest payments vary from month-to-month but are usually somewhere between {$150.00} and {$200.00} every month. The reason they want me to continue making payments is obvious. They are getting rich off of exorbitant interest payments. It's obviously in their financial interest not to honor the loan cancellation program. I know that several lawsuits have been filed over this already and rightfully so. Hopefully, you will be able to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo cancelled my card 2 months ago while my account is still opened. My account is currently activated and open but Wells Fargo refused to issue me a new debit card, I called customer service and they asked me to bring my id into a branch and have them to call them then they can issued me out a new card, and I did bring in my ID card to the branch 2 months ago but the people in there told me I have to called them by myself, so they keep pushing me around and did not issued me a new debit card for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've contacted Homebridge Financial Services regarding my inability to make my regular monthly payments due to being laid off on XX/XX/2019. I have had to contact them repeatedly to ascertain what documents are still needed for completion of my package. 
I recently gained employment and will be starting a job onXX/XX/19. That information has been provided to the lender. 
I have not been given the option of getting a loan forbearance. This would be helpful while I am waiting to obtain my next 2 paychecks. 
I have contacted Homebridge to determine why they have not offered me a forbearance. 
At this point I have been unsuccessful in obtaining a forbearance or any relief from the lender as each time I call I am advised they need yet more documents. 
I feel the lender is deliberately making the process overly difficult to prevent me from obtaining relief on this issue. 
I am a XXXX veteran and will also be making my complaint known to the Dept of Veteran 's affairs. 
I need help resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I did not give authorization for the following companies to access my credit report. 
XXXX. XXXX XXXX ( spoke with someone about a year ago, and I did receive a letter stating that they will no longer try to collect debt but it will not be removed from my credit report. ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I AM DEMANDING YOU TO REVIEW AND HELP ME TO REMOVE THIS INQUIRIES FROM MY CREDIT REPORT 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 2021-03-01
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a ( 30 ) day late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Army and Air Force Exchange Service
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two pair of boots from XXXX in XX/XX/2021 using my military star card. The boots were defective and I was instructed to return them. I did and I was ensured that the transaction would be reversed and as of XX/XX/2021 it has not been.

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 2022-04-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted : Account Name and Account Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, and Zip : XXXX WI XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX ALL RIGHTS RESERVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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