BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX contacted Penn Credit Corp and spoke with employee # XXXX about the debt information I received and disputed that the documentation sent with the photos was not visible or clear proving I owe the debt. I stated to the employee # XXXX  that I want to continue to dispute this debt being the photos they sent me in fact is not proving I owe the debt because they are not clear or readable of my license plate for my vehicle’sEmployee #XXXX  wanted to argue with me and speak over me while talking and said they are mine and he can read the license plate numbers. I again said in the conversation it’s not legible or readable and that it’s not the front of my vehicle and the amounts are not making sense being I do not use the Tolls. This employee demanded that I was refusing to pay the debt and not accepting my dispute and was trying to hang up on me and not listen to my dispute request as allowed under FDCPA. Then this employee said he would just document that I was refusing to pay the amount owed. My FDCPA rights have been violated and I want this documented for the record. This conversation with this employee was monitored by another employee of mine at the time of the conversation on XX/XX/2019 about XXXX. Also, this same debt has been disputed since early XX/XX/2019 by certified mail. I also have had several other phone conversations with this office that I'm willing to write written testimony on with dates and times when we get to that point. Please see my attached pictures that are not readable. Also the amounts are not broken down into where, when, time, or accurate dates and amounts of the toll charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I was awarded pandemic funding from the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) program for mortgage assistance. The amount totaling over {$35000.00} was awarded in XX/XX/XXXX, and paid to my mortgage company, PHH. They have yet to apply it to my mortgage balance. They have not processed any of the payment to my account, and are now trying to say that I am in arrears, & they are going to start foreclosure proceedings. I have called PHH relentlessly since XX/XX/XXXX trying to resolve this issue with them to no avail. As of today, XX/XX/XXXX, PHH Mortgage Company refuses to apply the XXXX award money to my account. So, essentially PHH Mortgage Company has stolen those federal/state funds from me and the federal/state government. And now they are trying to steal my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  Card Services ( " XXXX  '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, XXXX  reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax improperly stored my credit report and allowed it to be accessed by unauthorized individuals. Thus far they have n't been able to conclusively tell me whether I 'm affected, and my attempts to get credit reports from all three unions have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I've been paying too much for 2 years and they will not give me a payout option or refinance option the vehicle is at {$150000.00} miles and they won't even send me a new updated payment book which I lost the first one to know where I'm stand and how many payments I have left they never respond to me and one time on the phone they tried to be little me over One late payment.

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 2019-12-05
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've been paying my mortgage for 10 years,never later or missed a payment,l mail my payment postal money order and priority with tracking ever month,XXXX  of this year my payment was mail on the XXXX,PHH received it on the XXXX they are telling me they don't have it,my tracking is saying different,they hit my credit score,I'm in the process of tracking the money order through USPS now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: NY
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 two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XX/XX/2017 both account 's

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 2023-02-26
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:
Experian is still reporting a debt that was not verified in 30 days according to fair credit report act. XXXX and XXXX deleted the false report but Experian continues to report. The request was made verbally via call in XX/XX/XXXX with no response from creditor. And then a written request was submitted and received by the creditor on XX/XX/XXXX. The company failed to verify the debt. As of XX/XX/XXXX ( a month beyond the 30 day window or 65 days later ) the company had still not responded. 

Numerous letter have been sent to have this removed and they keep saying its verified when clearly it has not met the requirements.

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 2019-03-15
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My XXXX deposit of {$1200.00} was received by US Bank on XX/XX/XXXX from the US Treasury. I have attached the letter confirming the deposit from the US Treasury. The funds were not showing as a deposit until XX/XX/XXXX by US Bank. I was told by US Bank on XX/XX/XXXX that my account was CLOSED and therefore the funds would not be deposited to a CLOSED account. At that time on XX/XX/XXXX, I called Social Security to change my direct deposits to go to another account outside of US Bank since the account showed a CLOSED status. Social Security confirmed that due to the deposit going to a CLOSED account, the {$1200.00} would bounce back to the US Treasury, and after the US Treasury received the funds back from US Bank, the XXXX Treasury would reissue the {$1200.00} to my new direct deposit account. 
I have made over 6 attempts to get my {$1200.00} from US Bank, where each and every time, I have been told, Theres nothing we can do until you receive a cashiers check from Minnesota due to the closure of your account. The cashiers check is in the mail and you just have to wait for the mail to come. I have been to the bank as well as called the bank to let them know that there has not been any checks in my mail! I continue to get the response Theres nothing we can do to give you your money! 
I can not wait any longer! I have bills and rent to pay and I depend on my XXXX to pay them every month. I am XXXX and that is my livelihood. Please help me and ask US Bank to give me my money and stop patronizing me by saying The check is in the mail! I received 3 different dates as to when US Bank in Minnesota issued and mailed the check last week. 
Are banks allowed to hold Social Security funds the way they are after closing an account on a consumer? Especially a XXXX consumer? 
I can not wait any longer due to the fact that I have received an eviction notice and my car payment is now late as well. 
Please help!

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 2023-02-26
Company: Experian Information Solutions 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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect 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 explanation
Consumer complaint received 2022-01-12
Company: SYNCHRONY FINANCIAL
State: RI
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:
Twice now, the checking account linked to my PayPal Credit Card has been removed from my card without notice or consent. This has caused my automatic payments to not go through thus resulting in late fees and frustrations with even the most basic of account functionality. This is beyond unacceptable as I have paid my bill in full each month only for this to have now happened TWICE with 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 monetary relief
Consumer complaint received 2021-04-14
Company: Fusion Auto Finance
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collectors Fusion Auto and XXXX XXXX XXXX were notified in writing by my attorney by letter dated XX/XX/XXXX and XX/XX/XXXX to not contact me directly and instead direct all contact to my attorney. 

This includes a letter and phone call on XX/XX/XXXX and phone calls of XX/XX/XXXX and XX/XX/XXXX Since then they have made repeated harassing and threatening phone calls to me and have refused to contact my attorney. 

This is regarding money claimed to be owed on an auto lease but disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: JPMORGAN CHASE & CO.
State: OH
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:
Chase pulled my credit twice for one credit app. They know they made the mistake and said they would submit to remove but havent. Its causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: MD
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian, XXXX, XXXX  Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed by my credit card company my credit score changed. I checked my score snd it had dropped 90 points! A collection was posted to my credit reports I had no knowledge of. I immediately filed a dispute with XXXX XXXX and then called the collection agency ( Transworld Systems ). I told them I had no knowledge of the debt, and they had not ever contacted me. The alleged debt was from 1988 in Ohio ( Ive lived in  California for over 17 years. TSI first told me to file an identity theft report with the police, I said that was ridiculous and asked for a supervisor. I filed a dispute with TSI and am totally repulsed by their slipshod, fabrications attempting to collect debt. I have no derogatory remarks on my reports for almost twenty years and will not yield to these devious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Almost daily call after I've told them I do not wish to speak to them by phone under the fair debt collection act and that I am XXXX  and my ONLY source of income is SSDI. Every attached screenshot is associated with Portfolio Recovery. The person that call today said her name was XXXX XXXX and that they had never called me before, which is a lie, as shown with screenshots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Factor Trust
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: LA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect 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 explanation
Consumer complaint received 2023-08-11
Company: Early Warning Services, LLC
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to transfer {$2300.00} from one account to another, but Zelle or my bank put a hold on the account. 
I tried to reach out to Zelle, but they said reach out to my bank. The bank was not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Source Receivables Management LLC
State: MD
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:
Today, a collection agency named Source Receivables reported a {$1900.00} collection account on my credit report. Prior to the appearance of this phantom collection, I received no notification from Source Receivables, much less my 30 day notice of my right to dispute. So based on that, Source Receivables has violated my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation