BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my Equifax and my XXXX credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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

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 2021-03-25
Company: Phoenix Financial Services LLC
State: OK
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:
The company Phoenix Financial Services is double reporting the same debt. I first looked at my report as I haven't in over a year and noticed a duplicate listing. I reached out to have the duplicate removed and instead of removing the duplicate they updated as late on both listings. After researching these listings I have discovered these are not my debt owed in the first place. I have asked that both be removed as they are not my debt. This has damaged my credit credit score twice over. Please help in the removal of the debts listed that are not mine and repair what was marked as late for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021, Coinbase disabled my account with asset worth {$32000.00}. I could not login to my account, since that time I sent them more than 17 emails, and I did opened three complaint cases with them, but without any response accept the auto replay emails that stated they will look into it and return to me after 15-20 days, till now I did not get any response from them and I don't know what to do, this is my life saving money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/20 I sent a letter to the bureaus stating I had not received any info back on my disputes. Pursuant to 15 USC 1681i this is a violation of the law. I believe these companies have been ignoring me and they had 30 days to respond and did not. Any violation of the FCRA immediately calls for deletion and I have listed the accounts that were already inaccurate and misleading. These companies are not only in violation of the FCRA but also the FDCPA pursuant to 15 USC 1692e. Clearly, the law isn't stopping these companies from committing fraud. They also have no written permission by me pursuant to 15 USC 1681b ( 2 ) to funish anything to my consumer report. These items need to be deleted immediatly. You are in violation of 15 USC 1681i, 15 USC 1692e and 15 USC 1681b ( 2 ). I am seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
From my understanding XXXX XXXX XXXXXXXX and Navient has a class action lawsuit filed against both organizations. I am a former XXXX grad. Navient is my student loan serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
OCWEN LOAN SERVICING, LLC a Florida corporation XXXXXXXX XXXX   XXXX XXXX XXXX a Delaware limited liability Company XXXX XXXX XXXX ATTORNEY The above people are attempting an illegal foreclosure on my home, they used a a well organized plan to be avoid Civil Foreclosure suit use XXXX Deed of Trust assignment which has been rendered Void by various Courts to apply for Letters of Administration in XXXX Probate Court. Ocwen and Dependent Administrator filed eviction and Ocwen had XXXX failed attempts at house seizures and lockdown my house, I have XXXX little children. XXXX XXXX, ( XXXX no. XXXX and XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX XXXX case XXXX was heard on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is on appeal. to be heard on XX/XX/XXXX. BACKGROUND ON FRAUD XXXX XXXX CANCELLED. XXXX & Ocwen did could not foreclosure in XXXX yrs because the original loan documents were presumed lost, we challenged them on history payments for yrs, but suddenly Monday they fabricated payments. 
( we never applied for the loan, never received loan docs. XXXX canceled XX/XX/XXXX the loan ). no payments were made, no delinquent notice, no default notice filed or no foreclosure filed. Ocwen LLC tries to collect on canceled loan void Deed of Trust Assignment via probate. We sent letter to the Courts stating their Assignment is Void. Ocwen is illegally seizing our home at XXXX XXXX XXXX XXXX Texas XXXX where I have lived since XXXX. My parents left a Will and the home already has been transferred to me. 
I believe as well as other legal authorities that Ocwen letters of Administration is defective because Ocwen used the known Void Deed Of Trust to obtain rights. The law is clear, it fraudulent. 
There is overwhelming proof that the application for Letters of Administration was made with the knowledge that the Deed of Trust it used was void. 
( Citing 12.002 ( a ) ( 1 ). ( Id. ) Section 12.002 ( a ) of the TEX. CIV. PRAC. & REM.  CODE, and Courts have agreed that fraudulent assignment does not claim on title, the forged Deed of Trust is Void. 
a Under Texas law, XXXX Bank XXXX XXXX XXXX assignment is fraudulent as defined by Section Code 51.901 ( 11 ) ( c ) Violation of Texas Government Code. ( 11 ) The Mortgage assignment was recorded and filed in XXXX XXXX, Texas, the county clerk. ( c ) The court 's finding may be made solely on a review of the documentation or instrument attached to the motion and without hearing any testimonial evidence. 

XXXX Bank XXXX XXXX XXXX XXXX has been rendered fraudulent-void Courts and Texas Courts.

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 2017-08-09
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently had my credit pulled and noticed that this account was still on my credit report. I know for a fact they are reporting inaccruate information and I even filed a complaint with the attorney general in texas which as ignored and a BBB complaint. I looked up more information about this account and noticed that they are reporting inaccurate information and are not compliant with XXXX XXXX reporting. This account should not be on my credit and the biggest thing is that the late report date is XXXX 2013 when I have disputed it several times after that which means nothing was ever done or investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: WAKEFIELD & ASSOCIATES, INC.
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Prior to beginning employment overseas, we settled with XXXX XXXX XXXX in XX/XX/July2017. After moving, neither us nor our tenant has received communication regarding debt owed, until my husband received a phone call XX/XX/XXXX on a US phone number while in XXXX XXXX, XXXX ( which we will not be able to keep ) regarding already paid debt. Upon contacting them to inform them we had already paid the debt, I was told by a phone representative of the organisation that " it is not their problem '' that I did not receive proper, legal notification in the mail. When I insisted we settled with them prior to leaving and asked for proof, I was told they will not send it internationally. I would like to dispute the debt because have we already paid and the company has said they can not send me proof of debt.

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 2021-01-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
repeated calls to family members and my Job saying I have been charged for fraud and will be arrested, some at early hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me for violation of my 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 2020-05-13
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My 3 credit bureau reports show a collection account in the amount of {$6700.00} from Capital Accounts LLC, on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX opened collection date of XX/XX/XXXX, for work performed XXXX XX/XX/XXXX ( Exhibit 1 ). 

I have disputed this with all 3 bureaus. I called the collection agency and explained I never had this work done. I had some minor work done and paid. The collection company then sent me a detailed invoice and told me. " see you do owe this, and have a moral obligation to pay it ''. I explained ( again ) that the work listed on the invoice was never performed by XXXX XXXX XXXX, the fees were too expensive. I found a different XXXX  that accepted XXXX and that I could afford, and had those XXXX XXXX  fixed in XX/XX/XXXX. I sent the proof ( Exhibit 2 ) that the XXXX  were repaired at a different XXXX, and asked collection rep why would I get the same work performed a couple months after the date on the invoice from XXXX XXXX XXXX..?! 

The collection rep yelled that I got the work done on the invoice and had to pay. 

To prove my case, I requested the medical records from the XXXX 2 times. They have not produced them. 

This collection account has caused me financial hardship, in the form of high interest rate on car loan and denial on my application for my son 's college loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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:
I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % XXXX accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2018-03-29
Company: EQUIFAX, 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:
I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my XXXX and my Experian credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.

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 2021-02-22
Company: Receivables Performance Management, LLC
State: WA
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:
This company, Receivable Performance Management, keeps calling our company phone about a debt collection. They have no point of contact and keep asking for the owner of our company.

This company, Receivable Performance Management, will not provide any information about the debt or details from where there information came from. We have told them many times that we will not release any information from our company and this appears to be a fraudulent call. We have also informed them that the phone number they are calling is on the Federal Do Not Call list.

The person who made the most recent call was XXXX XXXX. We would request that someone follows up with Receivable Performance Management to stop harassing our firm.

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 2021-10-21
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
CFPB ... XXXX XXXX XXXX XXXX, XXXX filed with the XXXX complaint # XXXX XXXX XXXX XXXX reference # XXXX Mullooly, jeffrey, rooney & flynn , LLP index # XXXX Affidavit server XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a Covid19 payment due to the pandemic we are experiencing ; I did a mobile deposit of my check, the check posted to my account ; however, the bank won't make my funds available stating that I and my husband need to come into the bank. I tried to explain that due to the pandemic, my husband age and his health condition, neither he nor I will be coming into the bank. The funds is guaranteed since they come directly from the president of the United States and the government it self, the funds have already cleared so why won't they release my funds so that I may take care of my business affairs. This is wrong, unfair, and plan inhumane! 
This care stimulus check was deposited on XX/XX/2020 I have called the bank on several occasion but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Total Card, Inc.
State: VA
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:
I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
For the past several months I was harassed by The First National Bank of Omaha with regards to a credit card that I opened in XX/XX/XXXX. Every month I made my payments in full and on time. But back in XXXX of XXXX, I lost my job due to the current Pandemic and was unable to make my payments on time. I called the First National Bank of Omaha and explained my situation, but the did not accept my reasons for the delayed payments and did not off any assistance. In fact they insisted that I make full payment otherwise I would acrue late fees on top of my balance. So with that, I said I could try, but it would mean choosing between feeding my family or starving. I chose my family and thus didn't make any payments. What happened next was terrible as each and every day I received up to 5 phone calls from The First National Bank of Omaha demanding payment. This went on for 8 months. This was definitely harassment during a very dire world epidemic. But they didn't care and all they wanted was their money. They reported me to all 3 Credit Bureau 's and my credit score was badly affected. More over, on XX/XX/XXXX, I was finally able to pay off my balance in full of {$370.00}, yet The First National Bank of Omaha claimed to all 3 Credit Bureau 's that I never made any payments. I have proof from my account that a payment was made in full and I also have proof that the amount was debited from my Checking Account. So I want to file a fraudulent claim against The First National Bank of Omaha and demand they update my information with all 3 Credit Bureau 's and remove any defamatory remarks This is affecting my chances of getting a new job and getting a new apartment. They Lied and now I am paying for it. I will seek a lawsuit against them if they do not resolve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation