BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-06
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX  mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I visiteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Truist location to pay some bills. I have been in the location a total of 3 times. I was given a document by XXXX I believe to be forged by the employees at said Truist. The document stated that they were going to trespass me because of my behavior at the branch. I can no longer go into the branch to pay my bills. I believe I am being discriminated against due to my veterans and XXXX status. I have never been rude, threatened anyone, nor even said a cross word while in the location. I called and spoke with customer service over the phone and there were NO annotations in my account as to any negative remarks or mention of the letter in any of my accounts. I asked for both the regional manager 's number and the number of the individual who wrote the letter from corporate security and both of which I was refused. The individual who forged the document needs to be terminated and possibly prosecuted for forgery of bank documents. I would caution anyone who is contemplating banking here against it if the employees at this branch are willing to type letters stating they are from corporate security yet corporate has no documentation of the situation.

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 2017-09-06
Company: Worldwide Processing Group, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
FMR, Forward Movement Recovery, has used an automated dialer to call my personal cell phone repeatedly for the past week leaving messages for someone who is not me and who I do not know. 

I have now taken time out of my work day to call them back and tell them to put my number on their do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX reported {$440.00} bad debt collection to my experian account in XX/XX/2023. XXXXXXXX XXXX XXXX states My account was improperly closed however, the proof is provided that the account was closed successfully.

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 2019-04-18
Company: EQUIFAX, INC.
State: TX
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:
For the last 6-8 months I have been in communication with Equifax about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked Equifax countless times to block and remove the accounts due to identity theft. Equifax did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the ups/usps tracking states that it was delivered or signed off on. Equifax within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or XXXX 3 credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my Equifax credit report showing the accounts : XXXX XXXX XXXX # XXXX ; XXXX # XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX ; UNKNOW NAME # XXXX. 
The accounts referenced above Equifax refuses to delete from my credit. It seems that Equifax doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for Equifax to present documents that show the verification process for these accounts. No correspondence from Equifax even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: Riverwalk Financial Corporation
State: RI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was, briefly, a student at XXXX XXXX in XX/XX/XXXX. My student loan balance was taken on by XXXX XXXX XXXX XXXX. I was advised by a member of XXXX XXXX staff that I could temporarily defer payment on said loan due to financial hardship which I did via a 3 way phone call between the school employee, a XXXX representative and myself. At a time when I became able to make payment, XX/XX/XXXX, I made arrangements to pay an agreed upon monthly sum towards my balance with XXXX. As of today 's date, XX/XX/XXXX, my balance from XXXX  is listed as {$850.00}. XXXX XXXX. called my personal cellphone several months ago and stated that they had acquired my debt and I currently owed a balance of over {$5000.00}. I asked for more information and they were either unable or unwilling to provide me with the name of the company they had bought my debt from and they had no access to any of the previous payments I had made with XXXX. The representative from XXXX XXXX threatened me with imminent legal action unless I made immediate payment. They offered to take a substantially lower payment, on the spot, to wipe out my debt and I declined. Again, I was told that legal action would be pursued. I then proceeded to contact XXXX and they assured me that they still retained my debt and they had no knowledge of XXXX taking over said debt. They advised me to disregard the payment demand from XXXX and continue paying my loan off with XXXX, as I had been doing. I was content to follow this advice until I checked my credit report today and it showed an open account with XXXX XXXX with a balance of {$5200.00}. I do not believe this to be correct. I receive multiple phone calls on a nearly daily basis from a number I believe to be associated with XXXX XXXX. No voicemail is ever left. I would like the phone calls ceased and the account stricken from my credit report as I believe it to be erroneous. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I have notified the original creditor XXXX XXXX and the collection agency Southwest Recovery Services. During my divorce proceedings the judge ruled that this account is not my debt as my identity was used to open this account by my ex-husband. I have disputed this account with XXXX as well and they refuse to remove the account from my file. Account # XXXX in the amount of {$6300.00} opened on XX/XX/2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received a debit/credit card in the mail for my Virginia state tax refund in the amount of {$580.00}. Shortly thereafter, I moved and put the letter with card attached in a moving box. I DID NOT activate the card or do anything with the letter and card. I decided to take care of it after my move. 

I recently found the card after unpacking boxes that were stored in my office storage room for a few years. The card had expired. I called the Go Program to find out if I could get a new card issued to me. I was told the balance was {$310.00} because I had activated the card years ago and was charged a {$5.00} per month inactivity fee. I NEVER activated the card.

After speaking with numerous agents and at least two people who called themselves supervisors, being kept on hold for a cumulative total of HOURS, after being rudely hung up on twice, after being spoken to VERY rudely, I decided to give up with the Go Program customer service and try to get relief online. Unfortunately, when I went on the Go Program website, there is no way to email them or to try to elevate the issue. The website simply directs people to call the same number that I had called several times to resolve my issue.

I went online to try to find out how to elevate this issue and get someone who could help me. All I found online were other horror stories about the Go Program and their horrendous customer service. Since I only had one card, one time, and read about others who have ongoing programs with the Go Program, I decided to cut my losses and learn my lesson. I tried to call back to get them to reissue me a card with the {$310.00} they said was remaining on my card, but lo and behold they never answered. I called numerous times and no one ever answered. Finally, I blocked my phone number and called again. Someone finally picked up, and I went through the process to get them to reissue me a new card and I did not dispute or even bring up with amount on the card. 

I totally think I was robbed of {$260.00} by the Go Program. I am 100 % certain I never activated the card. But I have no remedy for this complaint with Go Program. They don't seem to care one bit. I know I am not the only person who has had problems with the Go Program. I don't know if this complaint will matter in the least, but government entities need to stop using the Go Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: TX
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/2019, I submitted a dispute with Experian for an account that is too old to remain on my credit report -- XXXX XXXX XXXX XXXX that starts with XXXX. The account had already been removed from my other two credit reports due to age. On XX/XX/XXXX, I received an update to the investigation. Experian made no changes and refreshed the date on the account to XX/XX/2019, thereby making the account brand new again.

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 2021-02-08
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a credit freeze on my Experian Account for years. I have had temporary lifts to allow my credit to be run for various things, car loans etc. Now Experian 's website portal to temporarily lift the freeze does not work, Experian contact number never puts you in touch with a live person and the online chat goes for hours and no one ever gets on to help. Based on the other online complaints I see others experience the same issue. By " breaking '' the portal Experian is fraudulently pushing their paid service, I would hope for the protection of the American public you help Experian see the necessity to provide a fully working web portal and actual customer service. 

XXXX Experian Freeze Lift Transaction # 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 2019-04-18
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been with Atlas credit company over 3 years. I always made my payments on time and never fell behind. Now I am facing a hardship situation due to the decline in pay on my job which makes my finances and overall bills hard to pay. I told them that I was trying to consolidate all my bills so that I can do something regarding the balance on the account but XXXX XXXX stated that they didn't take consolidation payments and needed full payment. They have sent people to my house with business cards and have constantly called my job for payment. He stated that he would take me to court and that they would send the police to my job if I didn't pay. XXXX and another customer service rep has said that I would be served on my job and sent a petition letter to my house but no court date was on the letter. XXXX has called a numerous times on his personal phone call as well requesting payment.

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: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX  AND XXXX ARE REPORTING NEGATIVE ACCOUNTS ON MY REPORTS THAT ARE NOT MINE. THIS ACCOUNTS. XXXX XXXX XXXX, XXXX  XXXX XXXX AND XXXX XXXX XXXX WERE REMOVED AND PLACED BACK ON MY REPORTS WITHOUT MY KNOWLEDGE, PERMISSION, APPROVAL OR NOTIFICATION. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been trying unsuccessfully for the better part of two weeks to get multiple deposits from hotels to be released back into my account after the hotels have already settled their transactions. I have contacted the company numerous times only to be told that I must wait 14 days even though the transaction is already settled or I can provide a receipt I provided multiple receipts and every receipt I provided they said something on it was wrong and refused to cancel the transaction. I have also waited the 14 days and every time I try to get the transaction canceled they either make up a new date saying that I must wait longer or outright ignore me I have provided them with multiple forms of evidence through screenshot and they ignore them and will not look at them. They are bullies what they are doing is criminal I have spoken to XXXX on the phone and through chat I have screenshots of all conversations through chat. Just today I tried to have {$50.00} returned to me that they have held for 14 days dated XX/XX/XXXX I have proof of this and even sent it to them. They ignored it and refused to acknowledge it. They currently have two separate {$50.00} deposits that have already settled in the transaction history one, the 14 days is up the second one the 14 days is up tomorrow. But it's not just about this it's about the fact that they are absolutely refusing to do the very things they say they are going to do and that their customer service outright ignores evidence that they themselves requested. I have attached in this complaint multiple instances of them outright ignoring evidence being rude dismissive and not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: EQUIFAX, 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

And XXXX did not report that account was in good standing which it was.

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: Ad Astra Recovery Services Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I file 2 comp laints within    2017  with  Ad Astra Recovery Service within  the last year to delete the inaccuracy on my credit reports. The account is not mine. I never had a account with them or the company they are representing. The have not deleted the account and its causing a negative impact on my credit report and  credit score. I   also file a complaints via the Better Business Bureau on   XXXX  17   and Ad  Astra Recovery Service r efuse to remove the account and also on  XX/XX/2017   . The amount that is showing on my credit report : {$600.00}. I do not not have a signed contract with  Ad Astra Recovery . I asked them to provide a contract between this collection and I and they have yet to provide this info. Mainly because I do no t have one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Milestone Credit Card underwriter Gensis Bank Card is illegally holding my payments for 14 days when I sent them proof my payment has already cleared my account. They still will not release the funds and are charging me interest on the incorrect balance and not applying the available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See attached information I received today from XXXX XXXX XXXX XXXX. IT IS NOT what I have been requesting. I have been requesting the VALID PERMISSIBLE PERMISSION from 4 years ago that was used to purchase a car fraudulently in my name. It doesnt exist but I have been requesting it to prove to XXXX XXXX XXXX XXXX that the purchase was fraud and theft. XXXX XXXX XXXX XXXX UNLAWFULLY accessed my credit so a thief could purchase a car in my name. XXXX XXXX XXXX XXXX knows the permissible permission does not exist and will continue deleting this complaint by labeling the complaints as duplicate. 
THEREFORE and according to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. In order to help resolve the consumers dispute, the Credit Reporting Agency is required to review all relevant documents submitted by the CONSUMER ( which is me ) and will forward such documents to the furnisher IF THE CREDIT REPORTING AGENCY is unable to resolve the issue based on those documents. I am requesting and demanding Transunion and XXXX XXXXo review the ATTACHED application that XXXX XXXX XXXX XXXX claims is the reason they had permissible permission. The attached application clearly proves XXXX XXXX XXXX XXXX unlawfully accessed my credit report. NOTICE IT IS UNDATED AND INCOMPLETE AND SHOULD HAVE NEVER BEEN PROCESSED AS REFERENCED AT THE TOP OF THE APPLICATION. I AM DEMANDING TRANSUNION AND XXXX NOT SEND ANYMORE WORTHLESS FORM REPLIES THAT SHOVE THIS MATTER TO THE SIDE and to review the document for completeness and accuracy which didnt allow my personal information to be accessed. Surely after 4 years Transunion and XXXX  would have already investigated by receiving the attached application used as the permissible permission from XXXX XXXX XXXX XXXX. In addition, I have attached Transunions NOTARIZED Identity Theft Victim Affidavit. What further proof is required?

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