BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Credit Karma, LLC
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: Received unwanted marketing or advertising

Complaint:
I use the Credit Karma app on my iphone because I am trying to rebuild my credit. one of their suggestions/promotions is to apply for a personal loan and they have several to choose from. I saw one and only one that I started filling out the loan app where Credit Karma sent me. At some point, I reconsidered, ( didn't want more credit, want LESS ) so I changed my mind and left the site and got out of the CK app. 
Can't remember what day I did this but it was around XXXX XXXX, 2022. On Sunday, XX/XX/XXXX, I received an email from XXXX XXXX ( Or XXXX XXXX-it 's very odd ) entitled " Credit Decision Notification ''. I was certainly surprised since I had NOT COMPLETED nor SUBMITTED the app. 
I contacted both Credit Karma and XXXX XXXX. I was told by XXXX XXXX that the Referral Source ( ie, Credit Karma ) sent my loan request to potential creditors and they were but one. They deny any responsibility for receiving the app and I agree. Credit Karma has not given me a straight answer to this question and I think it is one that all consumers who use their platform will be interested in knowing the answer : HOW DID MY UNCOMPLETED APPLICATION GET SUBMITTED WHEN I DID NOT DO IT??? 

Credit Karma gave me a case number on Monday after my first email but since then I have gotten nothing but what appear to be form letters. None of them answer me as if they really don't understand my question. 
My case number is XXXX. 

I have screenshots on Credit Karma that show I did not complete my search. If I can attach them here, I will. 

Again, I DID NOT complete the loan app and I did not submit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: ALLY FINANCIAL 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: Their investigation did not fix an error on your report

Complaint:
Ally Financial has reported late payments on my consumer report for the months of XX/XX/XXXX through XX/XX/XXXX. These payments were never late. This reporting is inaccurate and a violation of XXXX XXXX reporting standards for accuracy and completeness. 

In addition according to 15 USC 1681a 2 ( A ) ( i ) a consumer report does not contain any report containing information solely as to transactions between the consumer and the person making the report. I am aware that I am the consumer and Ally Financial is the person making the report. This reporting is a violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please DO NOT allow OCWEN ( now PHH ) to continue their wrongful/improper/illegal foreclosure to struggling homeowners like us who are minority seniors. CFPB ( you ) have sued Ocwen for their unfair practices, widespread errors and yet they continue to do so. They want us to vacate the property ( our primary residence ) in exchange for cash for keys. They sent this offer before XXXX XXXX ( before the holidays ) but we did not take their offer CFPB issued a cease and desist and license revocation order against Ocwen.

They failed to assist homeowners seeking foreclosure alternatives. They want us to be homeless or move out to the streets during the pandemic/omicron surge? It's like pushing us to our death. How cruel and inhuman Ocwen/PHH can be to XXXX senior citizens like us? Our property was foreclosed XX/XX/XXXX and the Trustee sale was awarded and recorded to Ocwen as the Trustee Deed Upon Sale.I wonder if Ocwen at that time is still licensed to do business? Our property 's Grant Deed is to XXXX and XXXX XXXX, husband and wife as joint tenants when we bought it on XX/XX/XXXX. It was refinanced on XX/XX/XXXX under my husband 's name only with All American Finance/Loan Experts but transfer ring interest to XXXX Bank XXXX There was a break and in the chain of assignments. Loan experts is no longer in business and there is no one capable of executing an assignment. It was also mistakenly not recorded as the bank admitted. Where a true XXXX XXXX property between husband and wife exist, the interests of each should be their separate property. When spouses take title in joint tenancy, each spouse holds his or her interest as separate property under California law if the community property presumption is overcome. Regardless of the state of the title, property must be either one or the other. It can not be both. They can only foreclose the 1/2 interest of the debtor ( my husband ) but not my 1/2 interest in the property or maybe their lien is invalid? We need your help to stop OCWEN/PHH from victimizing people like us. 

Our Ocwen/PHH XXXX Property XXXX XXXX XXXX XXXX XXXX, CA 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 2019-04-30
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:
I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX  XXXX  Debt, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX {$3200.00} ( 4 ) XXXX {$1.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
They add interest charges that were already on the previous monthly statement and paid to the cash advance due next month. They essentially charge it twice.

The total cash advance due each month goes up. There has not been any more cash advances taken. The interest charged has been paid but the total amount due goes up. 

This should not be happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
CASE # XXXX XX/XX/XXXX.CLAIM THEY ARE WORKING ON MODIFY. FALSE NEW CASE OCWEN IS USING FALSE NAME OF BANKS TO CLOSED ON HOMES, FOR PROFIT..MANY NAMES ONE IS XXXX XXXX XXXX .WHOM ONLY HOLD THE BOND & SECURITY OCWEN, PER OUR CONVERSATION OCWEN ALWAYS USE THERE NAMES. THIS IS WRONG, PERSON SAID HE HEAR IT ALL THE TIME. THIS BANK DO NOT CLOSED ON HOME..OCWEN DECIDE THIS HE. REQUESTED I CONTACT CONSUMER PROT.XX/XX/XXXX. FORWARD THIS INFO TO MY ATTORNEY ABOUT AUCTION OCWEN HAS DONE/ NO NOTICE JUST ONE LETTER..
THIS IS NEW CASE Ocwen loan, OCWEN TAKE TRIAL PAYMENTS AFTER YOU COMPLETE THE TRAIL NEW PAYMENT AT LOWER RATE SHOULD START.
I COMPLETED TRAIL PAYMENTS, MADE THE 1ST PAYMENT THE NEXT MONTH AFTER OCWEN INCREASE MY PAYMENTS BY XXXX TO XXXX.
ANOTHER LETTER, YOUR IN DEFAULT LOAN NOT MODIFY AFTER TRAIL PAYMENT OVER {$2000.00} S XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ON FIRST MONTH. BY ACH WIRE.
ON XX/XX/XXXX LETTER ARRIVE TO SAY HOME IS BEING AUCTION XX/XX/XXXX. ON XX/XX/XXXX I CALL OCWEN ASK WHAT IS THIS I WANT TO TALK TO MY RELATIONSHIP MGR. ( XXXX XXXX ) UNAVAIABLE I CAN HELLP RMA TOO.
I CAN SET UP APPOINTMENT XX/XX/XXXX XXXX, came home XXXX XXXX XXXX XXXX for Lunch for Hour early lunch stay to XXXX XXXX XXXX XXXX XXXX NO CALL, I CALL XXXX XXXX OCWEN ASK WHY NO ONE CALL. .CLAIM THEY CALL HOME I S, AID I BEEN HERE. NEXT NIGHT XXXX XXXX XXXX XXXX NO CALL, CALL AGAIN NOT MY RMA A. I ASK ABOUT MY APPOINTMENT, OCEN WE SORRY. WE RESETUP XX/XX/XXXX XXXX XXXX ANOTHER ( RM ) Relationship Mgr. GAVE HIS ID.I ASK WHERE IS XXXX XXXX MY RELATION MGR. IN my 3YEARS I HAVE NEVER TALK TO MY RELATIONSHIP. THIS is MADE UP NAME for reference. WHEN CALL OCWEN, NO.ANSWER TO MY RELATIONSHIP MGR. IT ALWAYS TRANFER TO A NEW RM OCWEN I CAN HELP. EMAILS FROM OCWEN AND LETTER TO FOLLOW AFTER THIS. START DOING THE RIGHT THING WITH PEOPLES BEEN NIGHMARE SINCE YOU TOOK OVER GMAC ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical bill should of been ran through insurance, made multiple attempts to get this resolved so they can rerun through insurance but have not removed me from collections on credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian and XXXX continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are 7 yrs or older to be removed.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.

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 2017-07-29
Company: Early Warning Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THERE IS ONE COMPANY NAME EARLY WARNING SERVICES WHO CHECKED XXXX XXXX RECORDS SHOWN OTHER BANKS THAT I OWE XXXX XXXX SOME MONEY AND BECAUSE OF SHOWING THAT NO BANK OPEN AN ACCOUNT FOR ME. BUT I DID N'T OWE ANY MONEY FROM XXXX XXXX I HAVE STATEMENT AND I SENT SOME DISPUTE LETTERS TO THIS EARLY WARNING BUT THIS COMPANY DID N'T DO ANYTHING.
IN DISPUTE LETTERS I WROTE THAT THEY ARE REPORTING INACCURATE INFORMATION SO I WANT TO DISPUTE THOSE BUT THEY DID N'T DISPUTE XXXX XXXX AND SHOWN THAT I OWE SO MUCH DEBT FROM XXXX XXXX. SO BECAUSE OF EARLY WARNING I AM UNABLE TO OPEN AN ACCOUNT WITH ANY BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I want to use XXXX. It blocks external applicants.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Account status incorrect

Complaint:
This is account has been paid off in XXXX in XXXX and its still reporting activity in XXXX of XXXX. This XXXX XXXX is attempting to reage my credit account to extend the statute of reporting guidelines. They have reported different information to each bureau and they have caused much heartache and distress due to their tactics and maneuvers to deprive me of an XXXX life by reporting misinformation ever after they've been paid Ive previously disputed this and all they did was increase the # of time in the comments of my report on how many times i supposedly paid late this is criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I manage all my bank accounts and credit card via XXXX. I saw one offer of American Express Credit card when i logged in there. According to XXXX - they are only placing the promotion/offer but it 's all done by american express. 

I clicked on the offer but the offer was changed at the time i landed into americanexpress.com The one that XXXX was showing was not having any annual fees but the one at the landing page at americanexpress.com was having {$95.00} annual fees. Card image and everything is the same. 

I chatted with american express regarding this ... but they are having mere denial kind of attitude. 

I strongly believe that American Express is tricking the customers by showing these kind of promotions on XXXX and XXXX ... provide a better offer on these websites ... but changes it when the customer goes to the american express website ... .this is so sick of american express to do so ... .unethical and immoral ... 

it seems that american express will do all the hook and crook to get the card members by deceiving them and tricking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Wells Fargo XXXX Wells Fargo One of  these complaints is still open, and I have written you and you have contacted Wells Fargo. 
Even though I was offered a modification by Wells Fargo for {$2700.00} monthly mortgage, and they took my money ( more than {$13000.00} ) to satisfy the 3 trial modifications payments, as explained in the previous complaint in XX/XX/2018, they sold my mortgage to ( XXXX XXXX XXXX ) XXXX who is charging even more ( {$2900.00} per month, which may be adjusted ). See attached modification offer documents from Wells Fargo and the one I received I today from XXXX. The Wells Fargo did make my mortgage more affordable and now they made it worst. {$110.00} extra per month is {$1300.00} per year or {$52000.00} over a 40-year mortgage. After giving them money from our small savings and borrowing {$4000.00} to cover the trial payments and current payment, they said I acted in bad faith because I did not provide a copy of a rental lease and other papers. After offering the trial modification, the need for the homeowner to provide more and more documents is past. So the whole acting in bad faith is a false claim and excuse to renege on the offer. It is also false advertising for the new campaign of " Wells Fargo/renew. '' I hope you will fight for me, as you have done for others who were treated unethically and criminally by Wells Fargo. I can not pay any lawyers. Sincerely, 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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-15
Company: EQUIFAX, INC.
State: PA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Usaa has listed a car loan I had with them as charged off and I paid the full amount owed. The car was XXXX  and I had full coverage with XXXX  insurance usaa was my lender and my insurance company after my past XXXX totaled the car they said I still owed and I asked to make lower payments with them and they declined. I didnt make payments on the totaled car that they had possession of. I am on XXXX and they took every dime deposited from my account and took all my money deposited from my XXXX checks for months leaving me and my XXXX XXXX a few years back. 
I more than paid for the car I paid for extra insurance in case anything happened to the car I wouldnt be left owing if the car was totaled. 
They have been a XXXX of a company causing me much XXXX and steeling my money. They took a XXXX check they had cleared from my account sent it back to sender because I did not put my account number at the bottom of a deposited check the check was good and they never denied it being a good check I want the charge off off my credit report from them I have more than paid from being a usaa victim of theirs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am so Tired of this XXXX from Equifax everytime I file a dispute on my credit report I can't either see the results or the website is down. How many XXXX times do consumers have to go through this XXXX with Equifax? And you XXXX CFPB government agency does nothing about it. You need to stop Equifax from getting away with this XXXX!! I filed a dispute a month ago on three items on my credit report. I got an email back saying Equifax investigation was done on XX/XX/XXXX and I could view my results online. So for the last four days I've been trying to view my results online and the website won't let me and keeps telling me that service is unavailable, WHAT? So I just called Equifax to fix the problem and I spoke to a customer service rep that's from out of the country and you can't understand a word she says so I gave her all my security information, answered security questions and all for her to tell me she's sorry she can't fix the problem and I has have send a request in writing, WHAT? XXXX XXXX Equifax this is XXXX!! Why can't I view my results online like you said I could according to the email? This is my credit report and you are violating my rights by keeping it from me after I filed a dispute. I am tired of your XXXX POOR CUSTOMER SERVICE PRACTICES!! I want the results of my dispute and I want them NOW you XXXX and I want to view them online like I'm supposed to be able too!! 

You XXXX CFPB needs to step up and put Equifax in check. This is XXXX what there doing to consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  Last reported XX/XX/XXXX {$630.00} Open balance XXXX XXXX XXXX XXXX USA XXXX A XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX USA XXXX A

Company response to consumer: Closed with explanation