BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
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:
Equifax ONLY responded with the info and history of the charge off. Equifax DID NOT address the complaint and remove the Paid in Full charge from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Ocwen Financial Corporation
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: Public record information inaccurate

Complaint:
PHH Mortgage Services formerly OCWEN Loan Servicing ( OCWEN ) is still incorrectly reporting my account. As indicated I applied for cash for keys and it was suggested that I file for deed in lieu for foreclosure under the Home Affordable Alternative program. The process was extended over and over because of Ocwen 's failure to just inform me that they weren't on the deed. Instead of just informing me of such, they slid a process that was unintended because there had never been a transfer of title. I have documents and have secured statements from the XXXX County Clerks and Courts that the reason that OCWEN could not process was because they did not hold the deed at the time of application. In fact when they became the mortgage servicer, they also did not hold the deed as proven by the clerks office. As such my efforts were abandoned even though I followed every step of the process as requested. As stated by the XXXX CO CLERK Ocwen would not have been able to perform any actions pertaining to the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX. I XXXX  them and it says it a student loan place. I dont know how that got on my report because I dropped out in high school. I am doing this on my own behalf and really need someone to help me with this.

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 2019-05-16
Company: Williams, Rush & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is WILLIAM RUSH & ASSOCIATE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, WILLIAM RUSH & ASSOCIATE # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) WILLIAM RUSH & ASSOCIATE # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation WILLIAM RUSH & ASSOCIATE # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where WILLIAM RUSH & ASSOCIATE # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. WILLIAM RUSH & ASSOCIATE # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, XXXX XXXX was contacted regarding a debt allegedly owed by XXXX XXXX. The type of debt was not discussed, but XXXX XXXX has never been a cosigner for XXXX XXXX at any point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CCFI FUNDING , LLC DBA CASH CENTRAL, INSIGHT CAPITAL THIS IS A CHECK CASHING COMPANY AND THIS IS THE SECOND TIME TAHT THEY ARE REPORTIG ME TO THE DEBT COLLECTOR BY MISTAKE., LAST TIME IT COST ME XXXXPOINTS ON MY CREDIT REPORT.I 'M A BUSINESS OWNER AND MY CREDIT SCORE ISABOVE XXXX.I DID TRY TO FIND OUT WHAT IS HTE DEBT FOR BUT THEY KEEP HANGIGN UP THE PHONE ON ME.I 'VE ALSO CONTACTED THE .XXXX  OF LAST YEAR I'VE REMOVED THE COLLECTION REPORT FROM MY CREDIT REPORT AND THIS YEAR ONCE AGAIN SAME COMPAY IS UISNG ANOTHER COLLECTION AGENCY ( WITH ALMOST THE SAME NAME ) FOR THE SAME AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
13 overdraft fees charged to my account for transactions that are DOUBLED, listed as both gone thru and then listed again as pending!

Along with my overdraft protection has been turned off, so my fees are {$36.00} instead of {$12.00} each!

Transactions with no name or identification, with amounts we never spent!

NO EXPLANATION!!!!!! NO RESOLUTION!!! 

I am being charged fees for transactions that should not even be there!

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 2019-05-16
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : Purchased a part for my XXXX machine from XXXX XXXX. Paid by credit card. 
XX/XX/XXXX : I received my receipt via email for above purchased item. 
XX/XX/XXXX : I found an {$1100.00} charge on my debit card. I tried to contact the company that charged my credit card but was unable to speak with anyone. I called my bank, told them the {$1100.00} was not an authorized charge to my card. 
XX/XX/XXXX : I received a invoice from XXXX via email. I saw this and dismissed as a scam. 
XX/XX/XXXX : Again received an email from XXXX and again I disregarded and deleted the email. 
XX/XX/XXXX : Another statement and it was deleted. 
XX/XX/XXXX : Another statement and it too was deleted. 
XX/XX/XXXX : I received a letter from State Collection Service requesting {$1100.00} on behalf of XXXX. I spoke with the agent from State Collection Service. I told the I never ordered anything, I never received anything and I was not going to pay. I tried to contact XXXX via phone with no luck. 
XX/XX/XXXX : I was alerted that a negative/derogatory remark was added to my credit score. 
XX/XX/XXXX : I contact XXXX to dispute this alleged purchase. After a couple of weeks I receive a letter from XXXX with the results of the investigation. They verified the action as accurate with no other explanation of how the action was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX. I XXXX  them and it says it a student loan place. I dont know how that got on my report because I dropped out in high school. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-16
Company: A+ Loans, 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:
A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from A+ LOANS. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing XXXX that I had not received any correspondence in 30 days and that the reported inquiries and collection account from A+ LOANS need to be deleted.

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # 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 2021-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During load payoff process the mortgage processor ( Chase ) received my check on XX/XX/2021 at the address where my monthly payments are normally sent along with the payment stub that comes with the monthly statement. Chase did not record receipt of the check and forwarded it to their loan payoff department. On XX/XX/2021 I noticed that the payment had still not been processed ( which was now 11 days after the check was sent ). I contacted Chase and they indicated that they had no record of receiving the check and suggested instead that I visit a local Chase branch to make the payment in person. I contacted my bank and they verified that the check had not been submitted for payment and I initiated a stop process at a cost to me of {$31.00}. I made the payoff at the Chase Branch on XX/XX/2021 but was required to pay interest on the loan through that date, which was {$120.00} higher than my original payment. As if by magic my original payment made it to the payoff department on XX/XX/2021 and they returned it to me as the loan had already been paid off. Chase 's stated policy is that checks will be processed the day received. Regardless of where they received the check I feel that the account should have been credited that day and not 11 days later as they clearly opened the correspondence and evaluated the check and my account to the extent that they realized that it would result in a full payoff. I contacted Chase about refunding my interest overpayment and they were uncooperative in dealing with the issue even though their mismanagement cost me an extra {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the inquiry that is still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I Have wire transferred a sum of {$30000.00} USD to Coinbase via the wire instructions listed to purchase additional vitrual currencies. I have used them in the past but this was the first time sending a larger sum of money. My funds have not appeared for since XXXX XXXX 2018, which was the date of the transfer. My bank has confirmed the funds were indeed sent, the deposit bank acknowledged the funds have been recieved but it is up to Coinbase to settle the issue. Ive submitted a request a few days after with no response excpet that they will review. It has been a full week with no contact from coinbase.com or any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 had an issue with XXXX and they issued me several refunds. My bank only partially refunded me the payments that were refunded to me. I opened a case with them, and they did nothing to resolve it even though I spoke to the merchant directly and they provided me with all of the receipts regarding the refunds. 

Instead, the bank closed my account. Then I noticed they reopened my account with no explanation. 

I would like the rest of my refunds.

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 monetary relief
Consumer complaint received 2018-01-30
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan of {$10000.00} a couple days ago to pay off some debts and I went on XXXX XXXX XXXX XXXX said that I should contact OneMain Financial so I contacted them I applied for a {$10000.00} loan they returned with {$2800.00} unsecured or XXXX dollars secured which would be my vehicle I told him I Vehicles not paid off so they said XXXX so I get an email from the company and tells me what time I'm supposed to be there at XXXX today on the XXXX so I go down there after I get out done with work I pull in I go inside they take all my documents my ID my work ID a check stub my pay stubs all utility paperwork and stuff the guy that's supposed to talk to me never comes out I talked to two or three two different women and one guy I have no idea who they are they didn't even introduce themselves and then they come back a few minutes later and tell me they can't help me why did they make me turn circles go all over the place just to get over there so they could deny me if I were you anybody that's the even thinking about going to OneMain Financial think twice go somewhere else they are the worst they are so rude they kept all my documents I told them you better make sure you shred them then and I left the windows weren't even clean that's how bad this place is disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. Barclay Bank had issued a inquiry to my account without my consent. I tried calling Barclay Bank, and they were very unhelpful. They told me i had to call XXXX  to dispute the issue. Okay, so I tried calling XXXX. XXXX told me i had to get Barclay to send me a letter of deletion so that i could then forward it to XXXX, JUST so they can remove the inquiry from my credit report.I tried calling Barclay back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through Barclay Bank and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.

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 2019-10-10
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HCI Healthcare receivables, trying to collect bill from XXXX  XXXX Medical Center. It is not my bill. Both HCI and XXXX XXXX feel that if they want it to be my bill then it will be. I am not the primary on the insurance. Both HCI and XXXX  XXXX lie about that and feel that if they wish it to be true then it will be. CFPB has done nothing to help. I'm going to try one more time to have CFPB help me before having the new County attorney investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I was never seen by XXXX XXXX XXXX XXXX in XX/XX/XXXX. This collection agency which is SA-VIT Collection statingi was a joint responsibility. Never heard of such terminology for a medical bill. I have no idea how they got my social security number and put this false information on my credit report. I have tried several times to contact them. My latest attempt was on XX/XX/XXXXin which i send them a letter and also contact the credit agency. Was informed by XXXX  that are still stating this information is accurate. Was informed by divorce attorney this is illegal and fraud. I am not a cosigned for a medical bill and not responsible for this debt. In addition i was not the patient for this service. This is a frauduelent attempt to get this bill paid by me. This matter needs to be resolved and has cause me tremulously stress. Thank you for your assistance

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