BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is another in a series of charge and account discrepancies on my account levied by Ocwen.  

From: XXXX XXXX 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX  XXXX
Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX

Thank You for providing a breakdown of the outstanding miscellaneous fees on the account.  I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance.

Highlighted below, why am I being charged for foreclosure fees and title reports last year.  The loan was still in an unemployment modification at the time and is currently not in foreclosure.  I was unemployed from XX/XX/XXXX-XX/XX/XXXX.  Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended.  Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan.  

I want to reestablish recurring payments, keep the house and rebuild my credit.

Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for.  

Date Description Amount
-------------------------------------------------------------------------------------
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Valuations $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Inspection $XXXX
----------------------------------------------------------------------------
Total $XXXX

Thank YouXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Foris DAX, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited USD on XX/XX/22. The withdrawal cleared my bank account on XX/XX/22 - however - still shows as pending on Crypto.com platform as of today XX/XX/22. As such- I am unable to withdraw my funds from your exchange. 

Money is inaccessible and I am without explanation or means of recourse. 

At this point I consider this money stolen as I am being provided no timeframe for resolution or any assurance that I will be able to recoup.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Nelnet, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/XXXX XX/XX/XXXX to XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Navient Solutions, LLC.
State: TX
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:
I have autopay set-up for  XXXX  federal loans. Navient did not process the autopay as contracted for  XXXX / XXXX /   2017  forcing me to make a manual payment. They are claiming I am pass due. They are responsible for initiating the autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-08-17
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2019, I received A line of credit for PayPal. Over the past several weeks, I have decided that I would like to close the account, however, when I called the number, it does not work. The number specified on the PayPal website is : 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2017-07-06
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted repeatedly by several different debt collection agencies about a debt owed to XXXX XXXX XXXX, XXXX, Pa. by an XXXX XXXX. I do not know how his name got connected to my cell number as I have had the number for 7+ years. I told the debt collection firms in XXXX, Ohio ; XXXX, Pa and the accounting department at XXXX XXXX that this is not XXXX 's number, that the only XXXX XXXX I knew is one that I arrested, that he is not at this number and to quit calling. Calls stopped for a couple of months and then I got one today from XXXX. I called them back ( and even though I blocked my number it was displayed to them??? ) Medical Revenue Service I explained this to the woman and she said that they just got the " account ''. She said that she would remove my number but the others said that too!!! I was recently informed by a neighbor that XXXX XXXX is XXXX, that he XXXX after an XXXX or something in the XXXX County ( PA ) jail. I informed these people of that. Someone needs to get the message across to XXXX XXXX XXXX and their debt collectors to get their information correct before they start harassing people and to get a system in place to remove bad information from the system Apparently this latest company buys bad medical debt and tries to collect, in this case they wo n't because XXXX is 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and XXXX have both violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 it also states : " A consumer reporting agency can not furnish an account without my WRITTEN instructions.

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 2023-02-04
Company: Experian Information Solutions Inc.
State: MD
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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-10
Company: EQUIFAX, INC.
State: IN
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:
XXXX - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XX/XX/XXXX-XX/XX/XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XX/XX/XXXX! I have no made a payment to this account since XX/XX/XXXX. The creditor has re-aged this account Equifax repeatedly says this account is verified and accurate! ( XXXX  did delete this account ) XXXX  XXXX XXXX XXXX   - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but Equifax of course says again it is accurate and " verified. '' XXXX XXXX - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! I have disputed the above accounts with Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports! 

I have requested documents to be sent to me proving the accounts are " accurate '' creditors, collection agency and credit bureaus have all failed to do so within the 30 day time frame! All they keep doing is " updating '' the said accounts with even more inaccurate information. Please delete this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: FL
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 filed a complaint against Equifax Credit Reporting Agency on XX/XX/XXXX and would like to add to it. Initially I was concerned only with what I thought was obviously affecting my credit score but after reviewing my entire report I have other concerns that I would like to call attention to for review and correction while a review is already being done. Please also consider the following : ( 1 ) I would like to have the Consumer Statement dated XX/XX/XXXX with a removal date of XX/XX/XXXX deleted. I never requested this Consumer Statement. I do recall asking Equifax to remove one of two " Hard Inquiries '' pulled on the same day by two different resources representing the same credit organization for the same loan. Also, there is no inquiry on my report dated XX/XX/XXXX, so the date used in this statement is obviously incorrect and no " inquiry '' stays on the credit report for this long ( six years ). I do not understand why this statement ( negatively referring to one of my most used creditors ) was even put on my report. 

( 2 ) Remove the two closed XXXX XXXX XXXX XXXX  accounts with negative account activity and 1st delinquency dates of XX/XX/XXXX. 

( 3 ) Correct the closed XXXX XXXX XXXX account to show a {$0.00} balance and last and actual payment to be {$11000.00} as this account was paid in full. 

( 4 ) Remove the closed XXXX XXXX account ending in XXXX. How can the date of 1st delinquency be XX/XX/XXXX when the account is showing to be 90 days late in XX/XX/XXXX? ( Therefore, the account had to be delinquent in XXXX and it is time for removal. ) ( 5 ) Remove the $ 40 monthly payment showing in the Credit Accounts section under the Summary. The balance for revolving accounts showing on the credit report is only {$13.00}. 

( 6 ) I am providing the following documents : -email from year XXXX from XXXX XXXX XXXX XXXX have been removed from my account as stated in my initial complaint -verification of payoff to XXXX XXXX XXXX including interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent this money to this guy over PayPal, he tricked me into saying I need to pay w friends and family to recieve my item I was promise. After I sent through PayPal friends and family, I then was blocked and he said get scammed. Can I please have a full refund of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Public record information inaccurate

Complaint:
I challenged the validity of a Bankruptcy that's being reported on my most recent credit report. Upon Challenging this, XXXX ( credit Bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX  and Equifax they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information they used to verify this account in writing. If such documents can not be produced I request them to please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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:
Over the last ten years, USAA bank has reduced auto pay based on additional payment. The process of increasing my credit limit and fix auto-pay to keep balances high has cost me thousands. The system does not allow me to pay an additional payment and use auto-pay without reducing the auto-pay amount. The company would not allow that.

Bank also, changed my credit card to visa dropping my credit rating and impacting insurance.

The company states it too confusing to provide a principle payment option to pay the bill.

Also, the company increased my credit limit without me asking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a car on XX/XX/2019. I was given a copy of an XXXX Credit rating that was XXXX. I immediately contacted XXXX to inquire and was given a much higher score by them. I contacted Carvana on XX/XX/2109 to inquire and was told there was nothing that could be done. They said if I was not satisfied I could refinance through another lender. 
I believe I was intentionally told I had a lower credit score to give a loan at a high interest rate. The form sent to me by Carvana with an XXXX header seems suspect to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: MO
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:
I am XXXX XXXX the natural person At this time I am distressed, overwhelmed and my life has been very difficult that XXXX and Equifax are violating my rights as a consumer by reporting an inaccurate Bankruptcy on my consumer report. I disputed this over 1 year ago. They informed me it had been verified by the Bankruptcy Court and XXXX. I reached out to both the Bankruptcy Court and XXXX, both organizations informed me via mail that they did not and do not furnish any public records to any bureaus, for it's against the law to do so. 

I sent these documents to XXXX and Equifax they have refused to remove this inaccurate account on my consumer report. 

At this time, I feel I'm being taken advantage of as a consumer. 

FACT- According to 15 U.S. Code 1681b - Permissible purposes - I never gave XXXX nor Equifax permission to report anything on my consumer report. 

FACT - 15 U.S Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right. 

This is a violation of my right to privacy. I demand this be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have been the cause of harassment and harassment causing the theft of my identity because they have called and have communicated with all the banks to have them close my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX REPORT TO EXQUIFAX THAT MY LOAN PAST DUE {$780.00} WHICH ISN'T CORRECT. MY ACCOUNT ISN'T PAST DUE. XXXX XXXX NEEDS TO MAKE SURE THEY HAVE REPORTED TO ALL CREDIT BUREAUS MY ACCOUNT IS CURRENT. THEY ARE INTENTIONALLY NOT REPORTING CORRECTLY IN MY OPINION. THEY CORRECT TWO, AND THEY ONE THAT WAS CORRECT THEY MESSED UP.

** ALL CREDIT BUREAUS SHOULD BE CORRECTED IMMEDIATELY!! **** MY ACCOUNT ISN'T PAST DUE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OneMain Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation