BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-22
Company: Ocwen Financial Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good Afternoon, This complaint involves not only PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX But all 3 Credit reporting bureaus, XXXX, XXXX and XXXX. In the previous year of 2020 my mortgage payments were reporting late on my credit report, negatively affecting my credit and lowering my score. The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm given A certain amount of days to respond to offer an explanation. In this case I was never called, emailed or received A letter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Letter to an address dated XXXX XXXX, 2020 that is to be confidential due to XXXX notifying of the data breach as well as because if being victim of crime. I already reported XXXX XXXX XXXX now XXXX previously XXXX via FTC as well as CFPB. Now im reporting Weltman, Weinberg & Reis Co., LPA. I wrote then stating I'm unemployed that my data was breached and debt not mine when I was at XXXX XXXX XXXX also noted that had my house not been robbed of XXXX and id received the money that I reported which that company is to request video surveillance from police car at XXXX XXXX where I stated I was robbed. I'm already part of the XXXX lawsuit from the data breach and reported to XXXX XXXX and XXXX and some of them still didn't correct and has my last name as XXXX and I repeatedly wrote them of error. I've setup something to stop data breaches and apparently XXXX XXXX is in training on Cybersecurity which is all over the Department of Justice site which ive also written.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX XXXX Balance {$79.00} XXXX XXXX XXXX, XXXX XXXX Balance {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I got a letter from a collection agency on XX/XX//19 called XXXX XXXX XXXX. I have never heard of this loan and think it's fraud or identity theft. I've never seen a bill for it & it's never been on my credit reports. I called Navient & and they said they would mail a promissory note but that proves that money is owed, not that i took out the money. I want to see proof i signed for this loan, something with my signature on it proving i took out this loan. For all i know it's internet crime and i don't owe them anything. I want proof that i can see with my signature saying i took this loan out & it went towards my college education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-10-09
Company: JPMORGAN CHASE & CO.
State: CO
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 made a purchase from XXXX aroundXX/XX/XXXX, the Item was then cancelled and returned, contacting my local XXXX, they even confirm that the product has been returned, and Chase refuses to resolve. They accepted a delivery to the store as proof that I picked up, when the only thing that proves is the store received the product. Chase could have went into more detail and contacted the local store, or requested a receipt with my signature as proof but instead just sided with the merchant. 

There is still no proof I have received the product, and contacting the local XXXX they will confirm that the tires have never been picked up. 

The issue is mainly with XXXX, with Chase not doing their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This matter pertains to my yearly renewal for IDR. 
Reported information and was asked to submit federal income tax, which I did. 
I was asked to send alternative information about income, which I sent paycheck stub. 
After sending paycheck stub, found out information taken from my GROSS amount was used to determine monthly payment. 
Then found out that the reason for using paycheck stub was due to answering " yes '' to significant change in income. 
I believe that question is deceptive and customers are lead to assume that change of income means making a lower amount ( which was my case ) as well as an increase. 
By using my gross amount as opposed to my agi, my payments went up 5x that of what they had been. 
It isn't right, affordable, or in fair practice for them to ask 5x the amount based on a person 's income who brings home less than half the amount of their gross pay. I am a teacher in MO and to begin with I have 14.5 % of my income taken out for retirement alone. On top of that, I have XXXX taken out for my portion of insurance premium. On top of that, I have XXXX taken out for XXXX ins. I haven't even got to my fed, state, and medicare deductions. This is a dishonest practice of fed loan and they need to make things right with my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Eagle Home Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, my wife and I contracted to buy a house in XXXX XXXX in XXXX Virginia from XXXX homes. The address is XXXXXXXX, XXXX, VA XXXX. As part of the loan process with Eagle Mortgage, a subsidiary of XXXX XXXX, an appraisal was required. The purchase price of the house was {$370000.00}. The appraisal valued the home at {$460000.00}, an {$85000.00} increase in value of the purchase price. Instant equity, we were told. Less than a year later, we were looking at potentially selling the property only to be told by several real estate agents that the best we could hope for was a sale price of {$350000.00} based on current real estate data. Not only a loss of our instant equity but a reduction in value of {$25000.00}. Something is wrong with his scenario. There has been no recession and the fact of the matter is the home had an inflated value solely for the purpose of securing a mortgage. When I reviewed the appraisal form, I could not find any realistic justification for the original appraisal. As an over XXXX year old lifetime resident of the Commonwealth of Virginia, I feel there is some level of fraud involved in this situation. Fraud against anyone is unjustifiable and fraud against seniors is indefensible. 
Remember the mortgage crisis of 2008? Overvalued appraisals were one of the leading causes. 
Are the appraisals being fraudulently overvalued? Is Eagle Mortgage, which hired the appraiser complicit in these transactions? 
I would respectfully ask that this situation be investigated, as this type of financial manipulation is wrong and potentially illegal. 
I can be contacted at XXX XXX-XXXX Thank you,

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 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was notified by Bank of America on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with Bank of America. I tried to call, but since I did not have an account number I could not access their voice system. 

One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the US Postal Inspection Service. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from Bank of America with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted Bank of America at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. He said he would request the original application for credit card but this could take up to 10 days. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems XXXX received the credit inquiry. I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. I have tried to speak with someone at XXXX by phone but their telephone system does not allow this. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through US Postal Inspection Service as this is a federal crime. 

I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WASHINGTON, DC  XXXX Subdivision Name : 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 2019-05-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I haven't been able to log into my account to even attempt to make payments since 2016. I've tried numerous times to have my information sent to me in order to log in, but somehow they don't recognize my social security number and birth date. I've requested forbearance at least 3 times already because it's my only option without logging in. All I had to do was reply " yes '' to their email, or let my account fall into delinquency. I want to pay my loans but they won't help me do it! I started out with a small loan and it's doubled in size because I can not do anything about it. This is incredibly frustrating and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Comerica
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 my US Direct Express card had {$20.00} with of purchases on my card from XXXX XXXX ( {$5.00} purchases back to back ). I did not make these purchases. Whoever put these charges on my account on XX/XX/2021 then resumed charging {$5.00} back to back to XXXX XXXX on XX/XX/2021. These charges occurred back to back a total of XXXX times and totaled XXXX and happened between the times of XXXX - XXXX. 

When I reached out to US Direct Express, I was told that I had to feel out a Questionnaire of Fraud form and submit it to their Fraud Services Department. On XX/XX/2021 I submitted copies of my card 's transaction history showing the problematic charges, as well as a police report and a report to XXXX XXXX. Because I was told to fax this information, I went to a local XXXX XXXX store and paid {$34.00} to fax 18 pages of information. 

Upon calling US Direct Express two days after I faxed the materials, I was told that they had not received my faxed information despite me having evidence that they did. I was then told to email the information I previously faxed to XXXX. Despite being on hold for over two hours prior to getting this updated requirement to email the requested materials, I complied with their request. 

On XX/XX/2021, I found that I had {$500.00} on my US Direct Card. I received no notification that this was added to my card. However, the bigger issue was that the total amount owed was not fully paid. 

Because US Direct Express previously put {$110.00} on my card in response to my hardship complaint, I anticipated that the {$110.00} would be subtracted from the {$910.00} owed to me. This, compounded by being over charged to replace my card ( they charged me {$13.00} twice to replace this card ), I expected to receive {$810.00}. Since I only received {$500.00} on my card, I am still owed {$310.00}. 

I submitted all the evidence required proving what was stolen and tolerated being on hold for over four hours after finding out that there was {$500.00} on my US Direct Express card. For this reason, I am formally filing a complaint requesting the money owed to me, as well as for the poor way this situation was handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I've Been a victim of Identity theft. I did not Authorize anyone to open any Accounts Using my Information.. These accounts is fraud

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 2021-10-19
Company: LEXISNEXIS
State: SC
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:
I wrote a letter to Lexisnexis dated on XXXX starting that I would like all my information removed from their system due to violating my consumer rights of privacy and permissible purpose. The information that is on this report stems from XXXX  while I was still a minor up until now. I sent it to the XXXX XXXX address where I received notification that the company has moved and there's no forwarding address. I called them today and I spoke with a representative by the name of XXXX. This representative of Lexisnexis told me that she could provide to me ways to opt out but her company will not do as I ask and remove the information. I ask several times during the conversation and she continued to provide me ways to opt out. LexisNexis is willfully housing, sharing, sending information that is damaging to my character and my reputation. They are in violation of Title 15 USC 1681 ( a ) ( 4 ), Title 15 USC 1681 ( B ), Title 15 USC 1681 ( e ) and now they are holding my information hostage so it is definitely intentional violating Title 15 USC 1681 ( n ). I also have a voice recording of the call where the representative continues to give me options in which I did not ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A card was open as a result of identity theft. When I discovered the fraud I file a FTC report and disputed the account. It was blocked my report but later Comenity bank Victoria secret came back and placed it on my credit report. They stated it was up to me to figure out who did and try to get the person to confess and transfer the debt in their name. I also ask for the copy of the original contract and they have failed to provide it to me. I will like this company be help responsible for the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who CONVERGENT OUTSOURCING INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CONVERGENT OUTSOURCING INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CONVERGENT OUTSOURCING, INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CONVERGENT OUTSOURCING, INC } was authorized as a  mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CONVERGENT  OUTSOURCING, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2021-10-26
Company: Stallings Financial Group, 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:
Stalling Financial Group placed a negative entry on my XXXX and XXXX credit reports on XX/XX/2021. The entry is in DIRECT violation of the FCRA and the Medical Debt Relief Act of 2021. Please see my attached debt validation request sent to SFG and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Windham Professionals, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX keeps calling. I have called them back on multiple occasions to have the calls stopped. They can not find me nor my family in their system through searching our phone numbers and our names. I have asked for the automated calls to stop regardless. The calls keep happening at a pervasive rate. Here are the calls from just this past weekXXXX XXXX ; XX/XX/2020 XXXX ; XX/XX/2020 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: WA
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:
Im looking to buy a house and have been working with a lending company. In XXXX they pulled my credit with my consent and provided me with a pre approval. I had some debt in my revolving accounts that I have since payed off. I reached out to my lender asking now that I have paid some of this debt off. Was there a way to see if that would reflect positively on my credit WITHOUT a second hard inquiry. The lender said one moment and next thing I know I get a notification the my credit was pulled from two agencies. I informed the lender that this was an unauthorized inquiry and her response was Im sorry there is nothing I can do.

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