BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are a XXXX XXXX XXXX XXXX XXXX that specializes in short sales. We are in the process of a many short sales with PHH. Every short sale file seems to take up to 6 months after submitting a complete short sale package. I call PHH almost every week to get a status and about every call I get opposite updates that I received a week ago. For example, last week PHH tells me they have a completed short sale package and the appraisal results are in and we should have a decision is a week or 2. I call back 2 weeks later and then they tell me there is no short sale review and they have no record of an appraisal ever being ordered? About 5 weeks ago I personally let the appraiser in and PHH verified that the appraisal has been ordered and the appraiser mentioned that he received the order from PHH. I have so many stories like this on every PHH short sale file we work on. Can someone please step in and help PHH with their short sales and provide a decision in the time period like they are supposed to. 
I spoke with XXXX XXXX ID # XXXX one of the managers in the loss mitigation department today and she said they need a lot of " fixing to do '' ... Can someone please help PHH to obey the rules and guidelines that are in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive reached out to TransUnion on numerous occasions in regards to two unauthorized inquiries that have not been removed. The two inquiries are XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX As a result I am requesting for these two unauthorized inquiries to be removed from my consumer report. This should NOT be reporting as I, XXXX XXXX, did not submit any applications to neither of these lenders for a line of credit or any banking services.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
15 USC 1681 ( a ) - You are in violation of my right to privacy and information I want to be private that's posted on my consumer report is a violation infringed upon my right of privacy.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've sent multiple letters to XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I made an uniformed decision when I entered into this credit transaction. The contract terms weren't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX XXXX. I have asked for the original contract multiple times but somehow XXXX XXXX confuses an invoice as an actual contract, which is a violation of my rights as a consumer

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 2021-09-17
Company: Experian Information Solutions Inc.
State: FL
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: Problem getting your free annual credit report

Complaint:
I contacted XXXX, Experian and XXXX in writing informing them of my new mailing address : XXXX XXXX XXXX, XXXX, FL XXXX. I sent all required proof to make the change on XX/XX/2021 in writiing. I requested a free annual credit report and I want a copy of my XXXXredit score. But to no avail. 

I have not received my annual credit report or credit score at my new mailing address from any of the 3 credit bureaus. 

please help in this matter.

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 2019-05-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A payment I sent into Barclays Bank for my credit card for XXXX was miscoded by XXXX. They took XXXX. This resulted in my checking account being over drafted and fees of {$220.00}.

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 monetary relief
Consumer complaint received 2018-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
NOT A DUPLICATE!! What I was explaining in the first complaint was the CA State Law regarding wage garnishment. Attached is the court order ruling on my case. The judge overturned the wage garnishment and returned my money to me. Bank of America needs to return my fee.

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 2018-08-13
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged balance owed : {$660.00} Original Creditor : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. NMAC Inquiry : XXXX XXXX, 2019 and XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a truck with Toyota and the loan came from Toyota financials. I have always pay ahead to have the truck pay sooner but from the beginning if I enter any additional amount it will not go to the principal of the loan but only to the adding of the months so that place my acct a year ahead of payment but it was not reducing my principal. After talking to them they advice me the only way to get the totals reduce from the principal is to send money order or check with the acct # and stated principal only. Witch I did I have send four money orders with the info on them and specifically stated to place on the principal. But now I do n't see my balance going down but is the same and the posting on there is almost two weeks difference every time I talk to them there is always an excuse or that the percentage is correct. I have paid more then XXXX XXXX dollars and they are still keeping the interest no matter the total being lower and my payments are not being posted correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Received call from someone @ FCB ( XXXX ) saying they're closing my accounts. 
Went to branch, withdrew my money. 
Unable to download account statements, two disputes outstanding. 
Called C/S to ask for help, they've blocked my number. 
Called with *67. first agent kept talking over me, demanded supervisor. Got to supervisor, talked a bit, she hung up on me. 
No longer able to login online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: BARCLAYS BANK DELAWARE
State: CO
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:
The XXXX XXXX XXXX XXXX XXXX comes with the benefit of an annual Companion Ticket. 

According to the information given on the Website of Barclays ( https : //www.barclaycardus.com/servicing/rewardsHubResponsive? __fsk=-482126351 # rewardsBenefitDetails/EXCLUSIVES/EXCLUSIVE/63783 ) more information can be received thru XXXX However, this XXXX doesnt work. 

I contacted Barclays thru web chat. The agent just apologized and told me to contact XXXX XXXX. There is no substantial information she can give me on XXXX Companion Ticket restrictions and I am confused why I should contact XXXX XXXX. 

I also asked to report the issue and to provide feedback, once it is clarified. The agent did not commit to give me feedback. 

I am paying {$79.00} a year for a benefit which I dont seem to be able to get any information on. Sounds like deceiving advertising to me

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 2023-07-13
Company: EQUIFAX, 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:
I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts and inquiries. Please Block and remove it.

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 2019-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX entered into a consumer credit transaction with BARCLAYS BANK DELAWARE in 2015. The consumer credit transaction included a finance charge, pursuant to 15 usc 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. I, am the consumer and I refuse to pay this alleged debt pursuant to 15 USC 1692c ( c ). BARCLAYS BANK DELAWARE has used abusive and profane language under 15 USC 1692d ( 2 ). I, the consumer XXXX XXXX XXXX is not obligated to pay any debt pursuant to 15 USC 1692a ( 5 ). BARCLAYS BANK DELAWARE are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts. Pursuant to 15 USC 6802 BARCLAYS BANK DELAWARE never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681b. I deny this debt pursuant to 15 USC 1692g, BARCLAYS BANK DELAWARE never validated any debt. BARCLAYS BANK DELAWARE have contacted an attorney ( Law office of XXXX XXXX XXXX ) who is an uninterested third party in direct violation of 15 USC 1692e ( 3 ), this is false and misleading and misrepresentation or implication that any individual is an attorney or that any communication is from an attorney. I, consumer XXXX XXXX XXXX extended them credit pursuant to 15 USC 1602 ( g ). Pursuant to 15 USC 1602 ( p ) this is unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX  account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44. 

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records. 

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts. 

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

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 2019-11-08
Company: BBVA FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Company : XXXX Charges on debit card with Simple Bank ( BBVA Compass ) : XX/XX/XXXX - 2 charges of {$190.00} XXXX XXXX {$190.00} XX/XX/XXXX - {$190.00} After disputing the XXXX charges my bank gave a provisional credit then reversed it. Directly after I received 2 additional charges on the same date from the Company. I was confused as to why my bank did not 1 ) suggest I order a new card 2 ) block the merchant as i reported this as fraud. Bank says without additional information they will not reopen case. Will not disclose if they actually talked to the business and what service they are claiming to be providing to me. Since the last 2 charges, a new debit card has been issued. I've reached out to company SEVERAL times throughout XXXX with the contact form on their website as they do not have a phone number to contact. I've screenshot some of thee interactions ( when I began to realize that this was going to be an issue I needed documentation for ) and although a confirmation message shows I will be contacted in 24-48 hrs, I have never received any response. As far as I can tell, this is a social media boosting service. I have a business account on instagram since they charged my account I have tracked my insights and see no change in interactions with my account. Not receiving the services they claim to be providing by the charges, nor do I wish to. I've tried to log on to their site using my information and tried all passwords until I was locked out. They sent me a code to reset however it said I was not able to view my account & had too many attempts. Now my bank will not respond to my attempt to reopen the claim and has not shown me any proof of contact with the company to verify these charges. I keep being told their dispute dept will get back with me and i get a text from a different team member each time either telling me to submit additional information via email, which i have done, or that they are closing the claim with no explanation. I filed a police report on XX/XX/2019 with officer XXXX XXXX. case no : XXXX ( XXXX ). While I was in the police departed, he tried to locate XXXX XXXX online and could not find any trace of the company either. Also showed him correspondence from my bank and he was shocked that my bank was transferring my claim to a different rep with each message/reply instead of one person following up with me. I showed him my banking transaction history and he suggested I file a claim against the bank itself. I gave the bank one week to respond to my claim again, informing them i would be filing a claim against them one week from that date. No action has been taken to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/2012 2. Account placed in collections to XXXX XXXX XXXX. 
3. XXXX XXXX XXXX submitted inaccurate information to TransUnion, dispite the multiple submitted documentation that proved the account was paid was paid in full. 
4. Multiple disputes with TransUnion to investigate and remove account. 
5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 
6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 
7. Please review supported documentation.

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