BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by 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 2018-06-26
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a payday loan from Advance America. Loan # XXXX I've contacted them 6 times to explain I DO NOT have enough funds to cover this loan. They WILL NOT respond. They keep telling me they will call or email and they never do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Re : Ocwen Loan Servicing, LLC account number XXXX Hello, Im writing this letter in complaint about monies being improperly taken from my escrow account by Ocwen under the guise of Lender placed flood insurance. 
I have been going back and forth with Ocwen for a few years now about monies being removed from escrow account as described above. They always increase the amount of flood insurance that is required for my mortgage after I have renewed the insurance at a coverage amount previously set by Ocwen, at the time the policy renews, and then remove money from my escrow account to cover the difference. 
Last year in my attempt to pin them down and avoid the hassle of being on the phone with them for hours trying to get my money back, I asked them to put in writing the amount of Insurance coverage needed to cover from XX/XX/XXXX to XX/XX/XXXX ( the term of my flood policy ) so that this situation could be avoided. They refused to provide this number in writing but gave me a verbal number and I renewed it for that number in XX/XX/XXXX. But in XXXX and XX/XX/XXXX they removed money from my escrow account again as described above. Even though the policy was renewed for the amount Ocwen had requested it to be renewed for. 
I spent hours on the phone with them about it in XXXX and they agreed to give the money back and as of this date I have not seen where the full amount has been returned. And they actually removed additional money in XXXX. So I called them back again and I still have no explanation on why they did not return all the money after they agreed to do so nor did they explain why additional money was taken. 
At this point it appears to me that Ocwen is just engaged in outright fraud, theft and deceit. Ive spent countless hours arguing with them about this issue, and they talk in circles, seem to not understand the issue, promise to return the money and then dont ( they actually returned it one year only to take it back again a few months later with no explanation ), they say things verbally and then refuse to put them in writing, blame other Ocwen departments, they also refuse to disclose who the proper regulating authority that their customers should complain to if they have a problem. 
As to avoid confusion please be aware that Ill submit this in writing and online to the cfpb and Im sending copies to the United States Attorney General, New Jersey State Attorney General, and to Ocwen as they need to be stopped.

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 2020-05-15
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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 2018-10-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to correct a complaint I recently filed against XXXX XXXX on behalf of XXXX XXXX XXXX. I reported the wrong collection agency by mistake The account is actually held by XXXX XXXX on behlf of XXXX XXXX XXXX not XXXX XXXX. 

However, the rest of my complain is valid and is as follows : This debt is reported as " educational '' but it was for rent at the XXXX  apartment housing. At the time, I gave notice to XXXX XXXX that I needed to break my lease and they charged me for 2 months rent plus damages that never occurred. The original amount was about {$1500.00}. I requested a payment plan in exchange for releasing my transcript but they refused and promptly sent my account to collections. This was in 2015 but XXXX XXXX has since purchased the debt, inflated it by thousands of dollars and reaged it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this Charge Off on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions 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:
XXXX continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from XXXX documents showing my signature that i authorized to be a joint account holder and received nothing from XXXX. 
Also i have disputed this numerous times with EXPERIAn and they stated that they verified. i also requested under FCRA method of verification and they failed to respond

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 2020-08-24
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
From XXXX XXXX to XX/XX/XXXX I have several uncompleted transactions from cash app the money was sent and receive but cash app hold it and refuse to completed the transaction I have called and email cash app from the app and from email in several occasion problem not resolve my bank can not help me cause they do not see any deposit from cash app cash app only deposit a few transaction to my checking not all XX/XX/XXXX from XXXX XXXX {$150.00} not completed, XX/XX/XXXX XXXX {$500.00} not completed, XX/XX/XXXX XXXX XXXX XXXX {$500.00} not complete, XXXX XX/XX/XXXX {$500.00} not completed, XXXX XXXX XX/XX/XXXX {$500.00} not completed XXXX XXXX XX/XX/XXXX {$1.00} not completed total of {$2100.00} for XX/XX/XXXX For XXXX XX/XX/XXXX XXXX XXXX {$30.00} XXXX XXXX XX/XX/XXXX {$35.00} not completed XXXX XXXX XX/XX/XXXX {$21.00} not receive XX/XX/XXXX XXXX XXXX {$20.00} not completed, XXXX XXXX XX/XX/XXXX {$20.00} not completed, XX/XX/XXXX XXXX XXXX {$50.00} not completed XX/XX/XXXX XXXX XXXX  {$150.00} not completed XX/XX/XXXX XXXX XXXX {$150.00} not completed XXXX XXXX XX/XX/XXXX {$40.00} not completed total of {$520.00} for XXXX all together will be {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX XXXX on XX/XX/2018 to make an inquiry for account # XXXX ( XXXX XXXX   XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a XXXX XXXX   representative to obtain information on the account and was informed that no information was found for account. XXXX XXXX indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to XXXX XXXX  on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate XXXX XXXX XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
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: Information belongs to someone else

Complaint:
Fraudulent account- XXXX XXXX account number XXXX I tried contacting and submitting multiple disputes for this to be removed from my Equifax credit report because it is a fruadulent account reporting on my Equifax report XXXX found that out and removed it from my report as I provided an uploaded document but Equifax wont remove it when I tried their customer service would not help and take care of the negative account reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2017-06-20
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I use an App called XXXX and it 's taking forever for my transactions to post. As well as being sent to them it is very inconvenient. It has made me late on my rent when I was counting on that money.

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 2020-08-27
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MOHELA/U.S. Department OF EDUCATION } in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing { Seriously past due date/collection, my account was charged off $ XXXX {$2500.00} } in ( XX/XX/2016 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trying to collect a debt that they could not verify the debt. They sent me a credit card bill no signature on the verification letter. The dates are wrong on the debt the original creditor doesn't exist anymore. The debt is over 7 years old it shouldn't be in my credit reports. 
I sent all the documents to a attorney he told me it shouldn't be on my credit reports but it is. I contacted them numerous times and getting the run-around. 
Portfolio recovery services XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: FL
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:
Inquiry -XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry - XXXX XXXX XXXX Inquiry - consumer  cellular Account - XXXX  XXXX XXXX I tried contacting Equifax to have these fraudulent inquiries and account removed from my credit report because of my abusive dad trying to fraudulently use my social security number to obtain credit I have also provided uploaded document that XXXX was even able to find that out and they removed it from my credit report along with all inquiries I needed Equifax to do the same as well but their customer service would not help and take care of the negative inquiries and account reporting to my credit report as I tried to tell them I work for the government and to also add my employment which I work for the United States postal service Equifax has very very terrible coustomer service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
For the past four days ( XXXX XXXX, 2020 ) I have been trying to use XXXX to transfer money ( USD to XXXX  ) from my PNC account to my fiance 's XXXX bank account via bank debit ( ACH ). I have done this several times before with no problems, but now it keeps saying that XXXX is " having connectivity issues with PNC '' and I have not been able to transfer the money. This is becoming a huge problem and my continued attempts to try to straighten it out via the PNC website have only resulted in wasted time and continuous prompting to use a third party app I have never heard of before to do an external transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have set up a rehabilitation payment plan with the collection agency XXXX on XX/XX/XXXX I made my first payment to them. 

I then had my social security check for XXXX garnished for {$210.00} this was a major hit to my financial budget to say the least. 

My first letter from my loan servicer Navient was XX/XX/XXXX stating to act quickly an set up a rehabilitation plan before XX/XX/XXXX or my social security would be garnished, so I did and made my payment XX/XX/XXXX. I quickly made a call on XX/XX/XXXX and spoke with " XXXX '' and she promptly opened a ticket to resolve the issue and to allow 3-5 business days. the ticket number is XXXX. I asked if they would take another garnishment in XXXX but she could not say or give me false hope. I called again on XX/XX/XXXX and spoke with a young man by the name of " XXXX '' he could not give me any good information or updates at all he just kept referring to XXXX, and then to the IRS, and to XXXX? this was an automated system and does not talk to live people. He did not help at all or attempt to just wanted to send me to one bad number after another. Please Help!! I'm XXXXyrs old!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Presently, I have a HELOC account established with Wells Fargo, {$0.00} balance in the account. 
I was sent two letters on XX/XX/2018 informing me that Wells Fargo needs verification that I have current homeowners insurance on the property that I use as collateral for this HELOC loan. ( This property is located in XXXX, Tennessee ) The first of these two letters was received XX/XX/2018. This letter states that I have 45 days to respond, or risk having the account closed. I took immediate action, notifying my insurance provider of this need. Proof of insurance was faxed on XX/XX/XXXX to Wells Fargo. 

The second letter was received XX/XX/2018. This letter informed me that if immediate action was not taken that insurance would be secured on my behalf by Wells Fargo, at a cost that may be much more expensive that my present policy.

The local branch office of Wells Fargo was notified of these two conflicting letters. They agreed that an internal communication problem existed within the department of " Hazard Insurance Processing Center. '' A third letter was received XX/XX/2018 stating that they have cancelled the temporary insurance coverage that was obtained on my behalf on XX/XX/2018. ( before receiving notice from the first two 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 explanation