BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: MI
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a 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 at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Retention department has all the documents requested to finalize my modification per my relationship manager XXXX. However, Ocwen Retention department refuses to give me a modification because ever 90 days and this has been going on and on saying my documents have expired. My relationship manager said he sibmitted all of my documents and still know resolution. I was told because I have no bank account from a call from another rep on XX/XX/2018 my modification can not be aoproved.

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 2021-04-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank charged XXXX in overdraft fees fradulently and then printed an altered statement and the the money was refunded as soon as I called corporate at XXXX the number on the receipt paper they gave from the tellers window and on my debit card and asked from the branch in XXXX at the corner of XXXX XXXX and XXXX XXXX roads system be changed by their internal IT people. This made my balance positive XXXX dollars and something including the pending XXXX Lyft charge be included and then I added a XXXX dollar tip making it XXXX dollars available and then they claimed today that a XXXX debit hold from the XXXX hotel I stayed at XX/XX/XXXX that was returned XX/XX/XXXX had just hit the account overnight but that should have made my balance XXXX dollars but they claimed the available balance ( because XXXX was somehow charged from XXXX to XXXX since yesterday is still pending but covered by the XXXX I put in yesterday to make the account positive the XXXX dollars after the fees were refunded ) was XXXX which is impossible to be accurate. Their computer systems need to be inspected because my statements have been altered and I have a receipt for a withdrawal of XXXX from XXXX on their atm that took my XXXX XXXX XXXX XXXX  XXXX account down to XXXX and change but their receipt says it made my preloaded unemployment card from Pennsylvania XXXX. I withdrew today XXXX and am about to put back XXXX so the account should be positive XXXX dollars but that is not what my receipts are showing. Can you investigate this please. And their camera surveillance footage because I was lied to and told the balance inquiry fee was XXXX by a woman at one of the desks for account services when my statements and on the phone it was said its XXXX. This statement occurred on XX/XX/XXXX in the morning. I have receipts that document this all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: General Motors Financial Company, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor : GM FINANCIAL XXXX XXXX # : XXXX XXXX CREDITOR ACCT # : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX In XX/XX/2016 I was involved in a vehicle accident. There were issues with the insurance company. Once the issues were retroactive The insurance paid their portion, GAP paid their portion. 

The insurance did not pay the original amount due to the information that was communicated via GM FINANCIAL. The vehicle had been sold. The title that was presented to my insurance company at the time. 

Due to the insurance issues GMC FINANCIAL repossessed my vehicle. I don't have a date nor do I understand how does a company repossess 's a damaged vehicle. Nor was it communicated either that the vehicle had been repossessed. That information was provided through my insurance company at the time. 

The reason for my complaint is because GM FINANCIAL is providing fraudulent information towards my credit report. They were paid in full by the insurance company what they should receive. Due to GM FINANCIAL 's mishandling of the account at the time. Therefore, the amount of {$4500.00} should not reflect upon me. I do not owe this amount nor do I have knowledge of this debt. By this company mentioned above. Nor by GM FINANCIAL. 

While this issue was going on with the insurance company at the time I also communicated with GM FINANCIAL once a week to keep them informed. I spoke to a representative who was rude, and unprofessional. 

Since my vehicle accident I have attempted several ways to expunge this debt from my credit as it is not a charge off. 

This fraudulent debt is a defamation of my character. Nor does this help my credit in any form or fashion. 

If I was able to resolve this issue with my insurance company at the time then GM FINANCIAL should be responsible enough to understand and remove this fraudulent debt from my credit report. GM FINANCIAL received payment for the vehicle regardless of the time frame. Therefore, this is not a repossession. This is a vehicle accident. 

I can not control what Fraudulent Lies GM FINANCIAL presumes to fabricate. GM FINANCIAL received a payment. End of debt that is originally not a debt. 

GM FINANCIAL will give you a loan knowingly knows you will eventually default on the loan. Then lie and ruin your credit with those lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: IL
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. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under XXXX XXXX XXXX Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

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

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

15 U.S.C. 1681 ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove names and address on attachments FCRA violations

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 2019-02-25
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source Re : extortion CRR # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX CT. XXXX Sirs, this is in response to your false allegations of arrearages and threats to file a false report to the respective credit bureau. I do not owe you the monies you claim I owe you. You have not provided any documentation to substantiate those allegations they are bare allegations. I have asked you for documentation that shows the debt you claim I Owe and as of this letter IHAVE NOT RECEIVED ANY DOCUMENTs to substantiate your claims. You promised that the documents would be forthcoming but its been more than ten days and no documents. In addition you are not applying the monies I have sent to pay my mortgage. You accuse me of being late and add to my astonishment a late fee of XXXXdollars. These are pure bully tactics that are not only unprofessional but in my view illegal. My taxes are current and the next installment are not due till XX/XX/, 2019. I  have paid my mortgage for XXXX fully. You are conflating the new tax increase with an additional installment on a debt of {$2500.00} that you claim I own without any proof. You make this allegation to justify the narrative to allege that my payment was incomplete and start foreclosure proceedings. You bought my loan from contour mortgage at which time you accepted the performance without claiming a breach had occurred I was faithfully paying them the same sum that I have been paying since the time you purchased my mortgage. I do acknowledge that my taxes have increased, and that amounts to a monthly {$64.00}. I have instructed XXXX XXXX  to include the new projection of taxes in my monthly payment but they have dismissed me as a customer because of your antics, your refusal to apply my payments and deem them insufficient. The payment on the loan is not and has not been partial as you allege. I expect that you will apply the payments to amortize the loan. In the mail I received your threat to foreclose on my property it is all a ruse to foreclose my property. Wow!! I am a senior citizen, a vet and suffer from XXXX XXXX XXXX. Needless to say that I will be praying that you stop your harassment of me and restore my standing with you or suffer the consequence of your ill-legal antics at the hand of overseeing agencies. Please inform me of the path you choose. I will only be XXXX, and availing myself of every legal recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am writing this Complaint because : PHH failed to pay my property tax ( for Q1 XXXX ) on time. The payment has been 2 months late. 

The property tax for Q1 XXXX, which is due on XX/XX/2021 ( per the invoice mailed by the XXXX XXXX XXXX has not been paid as of date XX/XX/2021 ( see attached ). The town has mailed 2 written delinquent notices ( see attached ) informing me of the issue.The documents have the contact phone number of the Township. 

As a customer of PHH mortgage, we have an escrow account where your company currently holds my money, which is supposed for the property tax payments. According to my loan agreement with PHH, all property tax payments are under PHH 's responsibility and it is the firm 's legal obligation to make the payment timely and accurately on my behalf using the funds in my escrow account. 

I, XXXX XXXX, have made several phone calls with the customer service representative and the escalation managers to raise the issue. The first phone call was on XX/XX/XXXX and the representative confirmed that the original Tax amount plus any additional interest would be paid in full by PHH Mortgage Services. However, I continued receiving another delinquent notice from the town ( with a new due date of XX/XX/2021 XXXX .I then submitted all the paperworks required by the escalation manager to the escalation services and to the Tax department several times. 

However, as I didn't see any progress made and my case was still pending verification, I made several phone calls back and was told by an escalation manager ( ID XXXX : XXXX XXXX XXXX that the team was still verifying the information and couldn't reach the XXXX township, thus the payment had not been made. 

I then called the township on XX/XX/XXXX and was able to connect right away. We were even able to conference the escalation manager into the call to verify with the officer at the township. The township confirmed that they always have officers taking phone calls and following up on voice-mails. 

As of date XX/XX/2021 we have made countless phone calls yet the payment has not been made. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. 
You can reach out to me at XXXX or email : XXXX. 

Loan XXXX Names on loan documents : XXXX XXXX XXXX XXXX and/or mailing address : XXXX XXXX XXXX, unit XXXX XXXX NJ XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is our second complain against Wells Fargo ( 1st complain # XXXX ). We Recently received a resolution letter from Wells Fargo saying that they are unable to approve us for a modification as per investors guidelines. I called cfpb spoke to XXXX and he stated that a response was received and that I was approved for a modification ; when in fact is not true.

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 2021-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX a {$50.00} bill was taken from my wife by a teller while making a deposit at a local Wells Fargo bank. The teller claimed it was counterfeit and gave my wife a receipt for the bill. Over the past year I have initiated multiple phone conversations with the branch manager, district manager, and the Enterprise Complaints Management Office of Wells Fargo. To date, Wells Fargo has no policy that holds them accountable to their customer for taking a suspected counterfeit bill. 

We received an XX/XX/XXXX letter from Wells Fargo that explained there lack of accountability for our bill. They placed the blame on the U.S. Secret Service. This explanation is unacceptable. We have way of knowing nor proof that the bill was even given to the Secret Service. When Wells Fargo took our bill they assumed the responsibility to properly account for that bill, and to communicate and proof to us that it was in fact counterfeit. Because of Wells Fargo 's lack of accountability we have no idea what happened to that bill.

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 2021-04-07
Company: EQUIFAX, INC.
State: MS
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 took out a Personal loan installment loan with a fixed interest rate from XXXX XXXX XXXX. I borrowed an amount that allowed me to pay it off with monthly payments over a scheduled period of time. I paid the money off early to avoid added interest. I was informed that there would be no penalty for paying the account off early. 

My problems and why I feel I am being penalized for paying my account off early. On XX/XX/2021 i received notification via XXXX XXXX and XXXX app that I had a closed account. When I checked the notification it had XXXX XXXX XXXX as the account that was closed. It also showed where this action dropped my credit lower or made my credit score go down. This is not right. it should have been reported as a Paid loan account. It does not even say Paid and closed. It just says closed. I called the local XXXX XXXX XXXX Office and reported this and they claim they can not do anything about my credit score going down. I was never late on a payment and I paid the account off before the scheduled date. I should get points added to my credit not taken away. I am requesting that this practice be looked into. I feel that I am being discriminated against or retaliated against because I paid this account off early. I should not get a reduced score on my credit report for paying every month on time and paying off an account early.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have received dozens of calls to both my non-published land line and cell phone numbers from a telemarketer purporting to be variously from Experian and other credit reporting bureaus. My research indicates that many consumers are receiving calls from the same source. 

The incoming call is obviously " spoofed ''. As an XXXX XXXX professional with some 40+ years experience, I can state this with some authority. The caller invariably has a thick accent that indicates English is not his/her first language. The caller infers that they are in possession of my credit report and compliments me on my payment history. The caller then offers to lower my interest rate to 0 % and asks for my card 's expiration date ( " Just so we can verify that it's your card. '' ) When pressed for further information about the individual, company or offer the caller gives vague, incomplete and suspicious answers. When the caller is asked for contact information for his/her company such as the corporate headquarters address the only method of contacting their company seems to be via their customer service number : ( XXXX ) XXXX. 

Although I have not called this number, my research indicates that it is commonly given in connection with this suspicious activity. Many consumers have complained about this number through various fraud reporting and complaint sites on the Internet. They also describe further suspicious activity when calling this number.

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 2017-09-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About the XXXX breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through XXXX to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!

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 2019-02-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Re : Experian : My online attempt to place a freeze on my credit report would not process as it should through their website. My complaint about Experian is that it is virtually impossible to reach a live person there on the telephone. One is forced to enter all of their personal information via the telephone, only to be directed back to the web site or other irrelevant location. And/or, one is told to contact them by mail. It should not be legal for a company of this type to cause problems for consumers, then hide behind The Voice Mail System From XXXX. One should be able contact this company by telephone.

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 2021-03-27
Company: Security Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The tradeline, which appears on my credit report from SECURITY CREDIT SERVIC/ XXXX XXXX last reported XX/XX/2021 in the amount of {$1300.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both SECURITY CREDIT SERVIC/ XXXX XXXX XXXX and have not received any reply back

Company response to consumer: Closed with explanation