BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a promo finance offer with Comenity Bank / XXXX XXXX, the promo finance expired on XX/XX/XXXX, the remaining amount due on this promo offer was {$620.00}. On XX/XX/XXXX, one day BEFORE the promo expiration I made a payment of {$620.00} which more than covered the promo remaining balance due. However, the bank still charged me the accrued interest a day later on XX/XX/XXXX of ( {$720.00} ) and another small interest fee of ( {$23.00} ) on XX/XX/XXXX. I should have never been charged these amounts. I have called / emailed through their support platform with no success. I am very disappointed with the lack of service I have received on such a clear cut issue and feel I can no longer trust this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX and XX/XX/XXXXCASE CLOSED ISSUE UNRESOLVED AND RESPONSE NOT ACCEPTED. I hired a company last XX/XX/XXXXto help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my deceased Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to refinance the mortgage. The company that I hired lastXX/XX/XXXX also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX bankruptacy protection not because of the mortgage because I needed to get reorganized. After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Resurgent Capital Services L.P.
State: PA
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 account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX XXXX XXXX then sold this account to LVNV FUNDING IN XX/XX/XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XX/XX/XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XX/XX/XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME LVNV FUNDING HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: VA
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:
Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name : XXXX  XXXX Account Number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal has a permanent block or restriction on my account which prevents me from using it and refers to following message : We recently noticed an issue with your account. To see what you can and ca n't do while your account is limited, go to the Resolution Center. 

Why is my account access limited? 

Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2017 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) The Paypal reps I 've spoken with stated that account is actually closed due to number of disputes filed, some are apparently outstanding as they are requesting information according to the message above. If account is actually closed then I should not be able to log in and the restrictions placed on it actually state I am unable to close it. Needless to say, this does not make sense. Please advise Paypal to either remove block or restriction or simply close account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
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:
Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX mislead my dreams of higher education. Now I 'm in debt and have nothing to show for it. Im constantly being harassed by collection agencies and it 's making me depressed. '' They promised job placement and I was mislead regarding student loans. The courses I completed were non transferable as well. I was told they were.

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 2022-04-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a fraudulent withdrawal in the amount of {$20000.00} from my law firm XXXX account at Chase bank made on XX/XX/2022. The check was not a real check and was forged, yet Chase bank allowed them to withdraw the money anyway. I submitted the fraud claim on XX/XX/2022 which was the first business day after learning of the fraudulent transaction- which was about 55 days after the actual fraudulent transaction. My bank has denied the claim for reimbursement despite my 30 year relationship with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MI
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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$960.00} CXXXX XXXX BANK XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: IL
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:
The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account 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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am concerned about the XXXX data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.

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 2021-12-03
Company: Caliber Home Loans, Inc.
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) is a debt collection law firm. XXXX XXXX harassed me regarding a mortgage debt I did not owe to their client. Their client, Caliber Home Loans, Inc., is a debt collection agency and Servicer for XXXX XXXX XXXX XXXXt ( XXXX XXXX  ). XXXX XXXX is not registered with the Texas XXXX of XXXX and per the Attorney for the XXXX XXXX XXXX can not do business and/or enter into litigation in Texas or XXXX XXXX I invoked my Homestead Protection Act Instrument in XX/XX/XXXX with XXXX XXXX, ( XXXX XXXX XXXX  ) because of XXXX XXXX, HSBC Holding PLC Adjudication Agreement with XXXX XXXX  DOJ for Money Laundering and Other Financial Crimes dated XX/XX/XXXX. My homestead was protected from seizure and/or sale because of the felony crimes that XXXX XXXX XXXX XXXX A felon can not profit from a XXXX. XXXX XXXX ( XXXX XXXX ) entered into a Consent Agreement in XXXX in which all home owners were compensated for the threat to sue and initiating Foreclosure during that period. XXXX paid {$190000.00} to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX which should have been sent to me. On XX/XX/XXXX, XXXX XXXX XXXX from the XXXX XXXX sent me a letter which stated I had a zero balance and the file was closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirmed in an email that my XXXX XXXX account had a XXXX XXXXlance as of XX/XX/XXXX. XXXX XXXX employee said that XXXX XXXX reinstated the debt the same day. Please see XXXX XXXX XXXX XXXX file submitted on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that Portfolio Recovery claimed that it had debt from an original creditor, XXXX XXXX. I was unaware of any debt I may have had through XXXX. I called various numbers at XXXX, which referred me to other numbers at XXXX, none of which could find anything under my name and SS #. XXXX at XXXX told me on the phone to contact XXXX. I am going around in circles, and debt buyer Portfolio Recovery was unreachable. It purports to have a debt of {$500.00}, but both XXXX and I are unable to verify this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: SYNCHRONY FINANCIAL
State: VA
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 have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

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 2017-07-02
Company: Action Collection Agencies, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has threatened me numerous times and I 've requested numerous times to not contact me and yet they are still doing so! They are practicing illegal activities and should get in trouble!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved because there is an account in negative standing appearing on my credit report. This account is not mine ; I did not open this account nor have I ever allowed anyone to open this account on my behalf. I'm not sure who opened this account or how this person got a hold of my personal information. I did not make any purchases or payments towards this account nor am I affiliated to this company in any way. I have filed this report to the best of my knowledge and I have also already filed a police report regarding this account.

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 2020-04-23
Company: Union Home Mortgage Corp
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX this company contacted us wanting to refinance our home at a lower interest rate through the VA. 
After sending paperwork after paperwork to them, they asked for more items which we sent. Then they did the title search. Then they came back and forced us to have our property split due to having 2 homes on 1 property which costs us a lot of money. 
Then they made us pay for an appraisal to be done out of pocket. The appraiser had to make a 2nd trip out to verify the improvements had been done, again costing us more money. 
All along the loan officer kept telling us everything was going great and we would be closing soon. 
Finally in XXXX I said I was going to just go with our local bank as they offered us a lower interest rate. XXXX XXXX XXXX, the loan officer told me not to do that. It was just a trick to get us in there and our loan was about to close anyway. 
On XXXX I asked what we needed to do to get this loan closed. He stated nothing, it would just be in processing for a few days and we were good to go. 
XXXX he told me they were waiting on the appraisal and he would call me on the following Monday. 
As of XXXX I had not heard anything from him so I sent him a text. He wrote back stating we were still all good to go and do not worry. 
On XXXX he phoned me to say he could not get the loan to go through as the VA had raised their points on the loan and it wouldn't work. 

I have lost money on the appraisal, I have lost money on the surveyor getting the property split ( that we would not have had to do if he would not have lied to us ). We have lost money filing everything with the courts and the county and the attorney to have the split done. 
I feel this man lied to us over and over and over. All along knowing there would be no loan and we would be out a couple thousand dollars for nothing. 
This is wrong and they should not be allowed to do this to innocent people. 
I have attached the text messages to show he was stringing us along.

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 2021-06-14
Company: EQUIFAX, INC.
State: MO
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:
Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$810.00} 5. XXXX, XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the second time in the last two years Quality Loan Service Corporation has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that Quality Loan Service Corporation did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to Quality Loan Service Corporation in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with Quality Loan Service Corporation to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and Quality Loan Service Corporation should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: IN
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:
( 103 true Identity theft ) XXXX File NumberXXXX Equifax Report Confirmation:XXXX  XXXX Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT XXXX : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX   ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO Equifax XXXX XXXX BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!

Company response to consumer: Closed with explanation