BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-10
Company: Ocwen Financial Corporation
State: MO
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:
On XX/XX/XXXX I owed for the prior month XX/XX/XXXX and for the current month XX/XX/XXXX. On XX/XX/XXXX of XXXX I made a mortgage payment for {$1400.00} and on XX/XX/XXXX my XX/XX/XXXX payment posted on the amount of {$1400.00}. The result of these payments in XXXX of XXXX mean that we were current with our payments AS OF XX/XX/XXXX. All year PHH Mortgage has reported in error that our XX/XX/XXXX payment was 30 days late. As we are monitoring credit for improvement we were able to see the mistake and we went through PHH appropriate dispute department. They did an investigation and indeed agreed that the XXXX was ON TIME. They mailed a letter to our home and emailed to me as well in encrypted email the letter stating that the error was corrected on their reporting system and that XXXX, XXXX, XXXX, and XXXX would be informed. Using credit monitoring we are able to see that the information has NOT been updated and we were then told to dispute the negative reporting. We did this and XX/XX/XXXX we received notification that the XXXX day late for XXXX of XXXX was not corrected and that it was in fact verified with PHH. Confused, we contacted PHH and we were connected with an escalation specialist XXXX ( I have her direct contact information ) she asked me if we disclosed documentation with our dispute and I informed her that I had not seen a option to do so, she said that she could see the document from PHH and that it was a matter of time before the correction would be visible to the 3 credit reporting agencies. I then went back into my dispute area with XXXX Credit Reporting app and I was able to upload the documents provided to me by PHH verification that the XX/XX/XXXX payment was NOT XXXX days late and they would correct per their investigation. We were correct. PHH was reporting in ERROR! Today I received the results of the additional dispute and the XXXX day late payment for XXXX of XXXX has AGAIN been verified EVEN THOUGH!!! I spoke with PHH and I HAVE THE DOCUMENTS showing that it SHOULD BE CORRECTED. I will attached the documents from PHH. I would most certainly appreciate this information to be corrected. The late payment is effective our credit worthiness and we have gone the whole year paying that price.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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:
XXXX XXXX is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a XXXX card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my XXXX report, however, I have confirmed the existence of these accounts with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attended XXXX XXXX College inXX/XX/XXXX and the school did not provide the promises they made for job placement and graduating in 18 months. I withdrew from the college when they said they could not provide the credits necessary to complete studies in the promised 18 months. There were two attempts to secure employment with interviews that yielded 0 offers.
From day one to this day, i refute being responsible for these predatory loans that were written in fraudulent intent. They wanted to extend the loans beyond the 18 months that we were not agreeing to.
When this fraudulent action was finally discovered in XX/XX/XXXX-XX/XX/XXXX, i filed to get our loans discharged that were in default. Instead, ECMC decided to take drastic actions now and withheld {$9000.00} from my wife 's return in XX/XX/XXXX. I called to setup a rehabilitation repayment but they instead went ahead with wage garnishment of 15 %. I know this is all legal, but it is a hardship on our part but of course not according to their qualifications for hardships. Homeless, utility disconnections, etc.
They should have never been allowed to puchase the XXXX XXXX just to retain status to continue collecting on these pedatory loans. I 've read many former students in the same situation getting hard tactics to collect on these loans.

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 2019-08-09
Company: EQUIFAX, 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 wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to XXXX in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to Equifax for the debt of XXXX XXXX for {$51.00}. I also wrote letters to XXXX for the debts of XXXXXXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a XXXX check into my checking account at Bank of America. The bank put an 8 business day hold on my deposit. They did not make at least XXXX dollars available after 3 business days. I believe this is a violation of the expedited funds availability act. The entire check is on hold for a total of 12 days including the weekends. I am in good standings with the bank.

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 2019-02-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXX ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ERC
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:
A second collection related to XXXX XXXX Has appeared on my account after asking the collection company to show proof of the first collection. I did not receive anything from them and less than a month later a new account has appeared. Running my credit down further with false reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
i am an id theft victim. there are few accounts on my report that were opened without me knowing, they are as follows XXXX balance XXXX. this is not my account XXXX XXXX XXXX this is not my account public bankruptcy. fraud i have attached a police report and an id theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have submitted a written dispute twice to all 3 bureaus in regard to an account that was disputed first with the original creditor and taken care .... ( agreement to remove ). If the original creditor has agreed over 7 months ago to remove why is it still on my report? Also, the original creditor no longer replies or answers my calls.

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 2017-09-15
Company: Atlanticus Services Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Aquired a loan from Fortiva. I made a payment by phone on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$300.00} for the XX/XX/XXXX and XX/XX/XXXX payment. It was withdrawn from my account on XX/XX/XXXX. I made another payment of {$150.00} on XX/XX/XXXX ( confirmation number XXXX ). It was withdrawn from my account on XX/XX/XXXX.
I was then contacted on XX/XX/XXXX - XX/XX/XXXX for failure to pay in XX/XX/XXXX. I am now facing interest charges. The customer service department stated that since " I did not process my payment during the correct billing cycle '', both payments were applied to XX/XX/XXXX, and none applied to XX/XX/XXXX. Therefore, my XX/XX/XXXX bill was considered late.
They could not apply the money to the correct billing cycle since " it is an automated system '' and they had no way of applying the payment to the correct billing cycle.
Furthermore, since I had paid a 2nd XX/XX/XXXX payment and my XX/XX/XXXX payment today ( XX/XX/XXXX in the amount of XXXX ) they could not cancel the payment since it was paid through the " automated system '', of which they can not change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: I.C. System, Inc.
State: GA
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:
Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from I.C. System account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.

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 2020-07-05
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:
THIS IS ABSURB. I CANT BELIEVE THIS IS INSANE, I AM A HARDWORKING YOUNG LADY WITH XXXX KIDS. THEY ARE HINDERING MY CREDIT SUCCESS BY ALLOWING CREDITORS TO FALSIFY INFORMATION ON MY CREDIT REPORT. THE XXXX XXXX ACCOUNT SHOULD NOT BE ON MY REPORT, BEEN DISPUTING ITS ACCURACY AND VERIFICATION SINCE XX/XX/2020, UNDER FCRA 809AB GUIDELINES, THIS SHOULD NOT STAY ON AS THEY ( XXXX, EXPERIAN OR XXXX XXXX ) HAVE NEVER SENT ME ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


THIS COMPLAINT IS BROUGHT HERE ONLINE TO MAKE SURE THEY DO THEIR JOB THIS TIME, UNDER SURVEILLANCE OF CFPB AND FTC. THANKYOU

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 2022-01-06
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Per my request, Avant , LLC or XXXX XXXX  has failed to close my account, going so far as to deny the dispute I sent in through XXXX. The account is current with no past due amount or pending charges ; I sent in a request to have the credit line increased to improve my credit, they denied the request, so I want the account closed immediately. 

The credit card they sent out doesn't work anyways, when you try to use it, it immediately says that suspicious activity has occurred and that you must contact them, which I have no interest in jumping through hoops to use their subpar services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Original Complaint XXXX submitted XX/XX/XXXX. 
Case closed XX/XX/XXXX. 
Company ( PHH ) did not fully respond to my complaint. 
I received partial refund of trial payments on XX/XX/XXXX as described in the response to my complaint from PHH. 
on XX/XX/XXXX I corresponded via email with council of PHH. ( email attached ) on XX/XX/XXXX PHH 's council requested and I supplied additional documents to support my complaint. ( email attached ) on XX/XX/XXXX I requested an update from council of PHH, and no response.

The following 3 issues were not responded to or resolved : 1- Refund of 7 misapplied trail payments XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX and XXXX deposited by PHH on XX/XX/XXXX XXXX Endorsement of Insurance check in the amount of XXXX payable to Ocwen and XXXX XXXX . 
3- Financial relocation aid - {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On the 3rd week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.

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 2019-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Online website XXXX does not provide any statements or documents. The link for statements and documents does not show any statements. I have car loan and been making payments. I want documentation via emailed, mailed/ or any service but they do not provide. I call XX/XX/XXXX and XX/XX/XXXX and recently called XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. The phone provided is just a robot touch by number service. I tried clicking on the link on their website for customer service and redirects me every time to log in. I have login and tried still does not work. I have not received any documentation since purchasing XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: National Credit Adjusters, 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:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon pulling my most recent credit report It came to my attention SW Credit Systems had reported a debt for collection on my report. Knowing the debt is n't mine I disputed with the creditor to have it removed or verified but did not receive any competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.The letter sent was not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of the account on my credit reports. SW Credit Systems was and is non-compliant and in violation in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PayPal holding my money for 180 days the amount is {$990.00} I reached out numerous of times they keep giving me the run around they I said I owed them {$100.00} I paid it I give them all information they needed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Stellar Recovery, Inc.
State: OH
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:
I Filed bankruptcy in XXXX of XXXX it was discharged in XXXX XXXX. The account that was not opened by me in the first place in XXXX ( I was stationed in XXXX XXXX GA the account was opened in XXXX, OH ) was placed in this bankruptcy and discharged. As i was checking my credit report in XXXX of XXXX I was checking my credit report for inaccuracies and found that this account has been placed on my account again. I have on XX/XX/XXXX disputed this account with all three credit bureaus. It has been 30 days after the dispute and it has yet to be removed and resolved. The company in question has never once sent me any form of written communication STELLAR RECOVERY INC Account # XXXX ( this is all that was available on my credit report ) Company : XXXX XXXX Date opened : XX/XX/XXXX Amt Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Shellpoint Partners, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 Shellpoint took over my mortgage payments from Deitch ( Greentree ). At that point I had already submitted a request from Deitch for my payment records because I had realized there is a large balance due which should not be because my signed original contract ending on XX/XX/2020. 
I have contacted Shellpoint numerous times both by phone and email asking them to correct this, with no response. 
At that point I started investigating this and discovered Greentree had been sued by both the Federal trade commission and the Consumer Financial Protection Bureau for numerous illegal transactions. 
There fore I have ran out of time because my signed contract for 300 payments have been completed in XXXX of XXXX 
With no attempt from Shellpoint to correct this matter, I contacted the State of Kansas Office of Attorney General for assistance. They have been working on this with no avail also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation