BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: WI
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:
My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, Experian and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX is reporting different late payments to XXXX and Experian. Please help me to have all late payments removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WIT XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT.

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 2019-09-13
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I received this message from Fedloan about my income-driven repayment plan : Hello XXXX, You need to recertify your Income-Driven Repayment ( IDR ) plan today! 
Consequences If You Don't Recertify Your monthly installment amount will most likely increase Your interest may be added to your principal balance Your payments may not count towards Public Service Loan Forgiveness. 
You currently repay your loans on an IDR plan. Since your payment is based on your income and family size, it is required that you recertify annually. You must have your completed application and any supporting documents to us by. 
Its fast and convenient to recertify your IDR plan online! 

Because I did not want to lose my income-driven repayment status, I immediately re-certified for it. Contrary to what FedLoan had promised in the message, I temporarily lost my income-driven repayment anyway. They approved the income-driven plan for {$130.00} a month, but said it started in XX/XX/XXXX and I had to pay a much higher amount in XX/XX/XXXX ( {$540.00} ), an amount that I could not afford.

This info can be found in IDR sequence 57. 

FedLoan explained that because my loans had different recertify dates, recertifying was ealy for some of them, which knocked me out of income-driven repayment on those loans. This is contrary to what was promised. In other words, it was THEIR mistake, but now I was going to pay for it. 

Knowing that I should have been kept on income-driven repayment, I paid the {$130.00} income-driven amount for XX/XX/XXXXinstead of the {$540.00}. I only did this on the advice of FedLoan workers who helped me over the phone. They admitted FedLoans error and said everything should be cleared up by XXXX, through an override request. I am unwilling to wait that long for something that may not be rectified. 

I spoke to XXXX ( employee # XXXX ), XXXX ( employee # XXXX ),, XXXX ( employee # XXXX ) and XXXX ( employee # XXXX ). All were gracious and helpful, but the fact remains that FedLoan messed up and I am the one paying the price for their error.

Meanwhile, FedLoan is sending me text messages, acting like I missed my XX/XX/XXXX bill. I did not miss that bill. I paid the approved income-driven payment of {$130.00}. I did not pay the {$540.00} in erroneous charges that they are billing me for.

What I want is simple and fair. I want FedLoan to override my erroneous XX/XX/XXXX payment and give me credit for my on-time payment of {$130.00}. I also want full credit for that payment towards my Public Service Loan Forgiveness. 
I re-certified on time. And yet I am being punished as if I did not. This is unacceptable behavior on the part of my loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with PNC BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX  and PNC BANK with no successful resolution. XXXX XXXX and XXXX only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

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 2020-07-25
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need this account to be fully verified with all original documents from the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
OCWEN repeatedly failed to apply my mortgage payments that were sent directly from my bank and those that I sent through the OCWEN website using their payment service. I kept sending my payments, even as OCWEN failed to apply them. I would send in the exact amount specified on the website and on their phone line. I paid for my homeowners insurance in full, out of pocket, then OCWEN claimed I didn't have insurance and adjusted my escrow. Finally, after I kept calling to report that they were not applying my payments, OCWEN started sending my payments back, putting my mortgage behind. This is the second time that OCWEN intentionally and fraudulently failed to apply my mortgage payments to drive my home into foreclosure, despite my paying the exact mortgage amounts specified on my bill. I believe that OCWEN is trying to steal my home, which I alleged in a previous complaint, after they filed a foreclosure on my home, in violation of federal laws, which prohibit them from raising a fixed loan amount. They claimed my escrow was short by a few hundred dollars. OCWEN is trying to take homes that belong to XXXX people in identified neighborhoods, such as XXXX in XXXX, Ohio. I believe they are doing it in conjunction with certain corporations that are engaging in land grabbing in areas being gentrified. I called OCWEN and was told I owed an outrageous amount of money, which multiplies by thousands each passing day. In one phone call, the agent first told me I was behind 89 days, then after I told him that was impossible, he changed it to 169 days. I repeatedly told him that OCWEN sent my checks back or failed to properly apply my payments, then claimed I was behind. They then sent me a request for a balloon payment, after they intentionally failed to apply my payments. I am requesting that OCWEN be fully investigated for failing to follow federal loan guidelines and for stealing homes in XXXX neighborhoods using illegal loan practices. They also broke into my home and stole over one million dollars in personal and business property when my house was not even in foreclosure. In spite of multiple lawsuits, OCWEN has not changed its predatory lending practices, but continues to take advantage of XXXX homeowners that they think can not afford to defend against their unscrupulous practices through lengthy litigation. I can't reach a supervisor or any qualified rep whenever I call. My loan should have been paid off, but they keep restarting my loan every time they force a foreclosure action. They are intentionally driving homes, like mine, into foreclosure that would not be in foreclosure, except for their conduct. I am requesting OCWEN be fully investigated for violating fair lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CCS Financial Services, Inc.
State: WA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Wells Fargo Visa. I have on repeated occasions, at least four, over the last several weeks attempted to get copies of my monthly statements for XX/XX/XXXX through XX/XX/XXXX. These statements are not available online. 

Wells Fargo has promised me they will mail the statements and fax them to me but they never arrive. Each time they say to give them 3 days to arrive via fax but they don't arrive. We even tried working through our local Wells Fargo branch and they called on our behalf and even provided their fax number to their credit card department but also to no avail. 

Thank you for any help you can provide. We have run out of options to try to work with them to get us the information we have requested.

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 2020-07-25
Company: U.S. BANCORP
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 have a loan with US BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and US BANK with no successful resolution. There was definitely an error on their part.

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 2021-05-07
Company: BAM Management US Holdings Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I recently started using Binance.US for investments and end of XXXX ( XX/XX/XXXX ) my account got locked due to an accidental charge back. I have done everything theyve asked me to do to reactivate my account. 

I have settled all the money discrepancies, and since then Ive had my deposits activated to be able to deposit more money into their bank XXXX XXXX XXXX, but they will not allow me to do any trades, sales, purchases, or withdrawals at all. Im only allowed to deposit into the account from my other bank account. On XX/XX/XXXX I submitted a support ticket after redoing all of their verification steps, and when you submit a ticket it states to not submit multiple bc it pushes you back in line further. On XX/XX/XXXX they responded that they had not viewed my ticket & that they hoped it resolved itself, & that if I need more help to respond. Since I had not had anything resolved, I responded with no response back from them. I sent another email at exactly one month from their first response on XX/XX/XXXX asking to please unlock my account, or give me the steps I need to do. Still no response and its been another week. 

When I look online for help from them there is no phone number to reach them. They have no chat option to directly interact with a human. The support ticket Ive sent in has not been reviewed still from what I can see and I have money trapped in investments that I want to sell! I cant keep sending support tickets because it will push back further according to their website, and all I need if for my account to become unlocked for buying/selling/trading/withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: BAM Management US Holdings Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I download it to binance us app on or around XX/XX/XXXX I went through the process of identifying myself with my ID and photo / selfie I was informed my basic identification what's complete so over the over the next few weeks I loaded money on the app using a XXXX XXXX ATM so as the value went up and my situation changed I wanted to withdraw my funds then realizing there was another step to the advanced verification process so I have to repeat the first two on top of adding financial statements from my bank but I can't do the third step does my account has been pending for weeks I get no help from customer service and I need my assets

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
State: NC
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:
This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXFL and XXXX AL on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.

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 2019-09-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my c edit report i found two fraudulent sddreseslistedwhich in turn had fraudulent accounts listed. I notified all yhree bureaus and requested thry be removed from my report as they are fraudulent and not mine. They have taken no action and still list the adressesfrom XXXXFL and XXXX AL on my repor causing me harm. Likewise they also refuse to remove unauthorizedaccess and pulls/hitsto mappear on my record. I did not authorize these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following account was obviously opened up fraudulently because it is not mines nor do I have a contract with the following company, ( 1 ) XXXX {$550.00}, XXXX {$550.00}, please remove from my credit file

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 2020-06-28
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I had fraud committed against my account several times in XXXX and XXXX and Citibank did work with me to retrieve the funds. I received a notice on XX/XX/XXXX that my account would be closed on XX/XX/XXXX due to exceeding my monthly electronic transfers between my savings and checking accounts. I contacted Citibank and explained that I was doing this out of fear of having fraud committed against my checking account so I was keeping my finds in my saving account until needed and then I would transfer to my checking account. They understood this and confirmed that my account would not be closed due to this and they notated the account. They did not have a confirmation number for m since they do not do that. Two weeks ago I was advised out of the blue that my account is frozen and will be closed in XXXX. Nothing would come in or out of my account. Unfortunately my paycheck of $ XXXX was already sent to Citi for XX/XX/XXXX and Citi advised it would be returned. This was never returned and on XX/XX/XXXX I noticed it in my account but I can not withdrawal or transfer it out. I can not touch these funds I need very badly and Citibank continues to give me no or false information and says I will need to wait 30-69 days for a check. They are holding these funds illegally and should not have accepting them in the first place. They sent a letter on XXXX that said I could go to a branch ( very hard to find in my area due to COVID-19 and get a check issued to me there for my funds ... .I went to XXXX XXXX , NJ and they contacted Citi 's Fraud unit who locked the account and the manager ( whose name I was not provided or number ) advised the personal banker that he could not issue my funds and I had to wait for the process and gave no timeframe. I have no money and a family ... .I live paycheck to paycheck. Other items are bouncing and my credit affected. This needs to be resolved immediately I don't even have gas money. I was most recently told by Citi to open a new checking account so I can transfer the funds to it at a branch. I opened the account XX/XX/XXXX and plan to find another branch ( far away I am sure ) tomorrow but someone at Citibank Customer Service told me that was bad information and it would not work. All I get is wrong information and simply want my money ; I have done nothing wrong. Please assist. 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 2020-06-28
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: Their investigation did not fix an error on your report

Complaint:
I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, Experian and XXXX  did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from Experian and XXXX  stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to Experian and XXXX. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.

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