BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Owned property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. XXXX XXXX was also a register co-owner register with XXXX XXXX WA. 
XXXX XXXX had a XXXX Attorney Chapter XXXX, this was my only debt. I had my pay garnished for two years, they made the payments and took more, when all of a sudden they dismissed the Chapter XXXX. 
XXXX XXXX started to make mortgage payments, all. UNFORTUNATELY the company, OCWEN Financial placed in a separate account, unknown reason. Regardless we hired another attorney, Florida Attorney, XXXX XXXX, charging us {$1500.00} for four month in a row. 
Finding all of this too much to deal with and getting no protection from anyone, we decided to make a move back to our family in XXXX XXXX, we purchased another home and moved out of the XXXX XXXX. We were contact prior to move by a neighbor who had a friend who dealt with real estate. We asked this person to deal with the house. 
We received a notification from OCWEN that the house mortgage was paid in full, and thanking me for my payment. WE KNEW NOTHING ABOUT A SELL, COULD NOT REACH OUT TO ANYONE for information. Now we find out that the house is FOR SALE at {$400000.00} which is its true value, We want to know what or when do we receive the monies outstanding due to us above our mortgage. 
There is something shady out here and we need to know information., We appreciate your time and consideration regarding this matter. We have never received any NOTICE, letters from OCWEN, and any CREDIT ding for late payments. We have emails from the Mortgage holder as late as XXXX stating all is fine. They went paperless but that does not STOP THE FORMAL PROCESS OF ANY FORCLOSURE, we have never received any notification and our location is noticed with the XXXX and others. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Upon reviewing my personal credit report i found innacuracies. An account called Enhanced recovery with an original creditor called Charter communications, I have no knowlege of and does not belong to me is being reported to my XXXX reporting. A collection is by " DEFAULT '' past due and therefore listing a past due amount is innacurate/error. Also this collection is listed an " OPEN ACCOUNT '' which is not under the FCRA compliance. This reporting is innacurate and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Aspire credit card is stealing my money. I made a duplicate payment to my account causing a credit balance, they owed me back XXXX. I immediately called to request a refund was told I would he sent a check, XXXX XXXX this credit balance refund debit is shown on my statement for {$540.00}. Leaving a credit balance of XXXX. I never received this check and multiple calls and emails to customer service I get no help and hang up in tears. I was told twice this was mailed to me and now Im being lied to that it was credited to my account. It never was and my statements prove that. I have filed a complaint with better business bureau and am in contact with an attorney. I need my money back and they will not give it to me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Information belongs to someone else

Complaint:
I recently pulled my credit reports and found several unknown personal information and addresses. I even have multiple accounts with inaccurate information. Or companies I have never done business with. 
these items listed below need to be removed XXXX XXXX XXXX 2 ACCOUNTS XXXX XXXX  4 ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX WHO I AM IN A SETTLE AGGREMENT WITH FOR XXXX THAT AMOUNT SHOULDN BE XXXX FOR THE CAR. 
THIS IS LISTD ON XXXX XXXX AND EXPERIAN I WAS UNABLE TO GET 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 2021-09-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax several times in response to information being reported wrong on my credit report. Equifax has had two major data security breaches and its unbelievable that they have made it extremely difficult to dispute inaccuracies and follow the law and investigate disputes according to the FCRA. Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ) as they have not responded, nor investigated these accounts. These accounts are unverified and should be removed immediately per the FRCA. The accounts are below : 1. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
3.XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
4. XXXX XXXX XXXX Account XXXX XXXX. This is an unverified account. 
These accounts are unverified and I will need proof as to verify these accounts and investigation that should take place according to the Fair Credit Reporting Act. 
5.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account 6.XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX. Unverified Account The following credit inquiries are unauthorized and should be investigated and removed immediately. I have a fraud alert on my credit profile and never received a call to make sure these credit inquiries were authorized. The unauthorized credit inquiries are below : XXXX XXXX XXXX-Dates : 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-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX-Date : XXXX XXXX, XXXX XXXX-Date : XXXX XXXX, XXXX, XXXX XXXX, XXXX Please investigate and delete these inquires immediately as they are unauthorized credit inquiries. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called my bank Before I deposited my paycheck into to the account to make sure that my funds where going to be available the next day. i was GUARANTEED that my funds will be available XXXX at XXXX am. I went ahead and deposited my check and called after I did so to confirm that everything was OK and that I will be able to get my funds on XXXX and was told again that everything will be available XXXX at XXXX am. I called the bank this morning and was told that my check id being held and the funds will not be available until XXXX. when I asked why I was not given a straight answer and I was transferred to XXXX different departments until I was finally sent to the loss prevention team where I was told that they could n't confirm the check with the check issuer-er. I asked if they could please call again because I have NEVER had this problem with my job or my previous bank. I was told that at that time I could not be helped further. I called my jobs payroll department who confirmed that the check was good and there should n't be nay issue. Who also called the payroll bank and confirmed that the check was OK. I called and asked my bank to please call and try to verify again and they refused and that they are requesting that I get all this paperwork that my employer does n't provide.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: MS
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 15 USC 1681.

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-09-04
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Comenity Bank has continued to contact members of my family and place of employment despite me telling them on multiple occasions to only call my cell phone number. I originally worked out a payment plan in XXXX after they contacted my brother. Months later, in approximately XXXX, on a different matter, they contacted my husband giving him great detail regarding the amounts owed as well as my employer despite me telling them I can not speak to them at work. Within the past couple of days, they have contact my husband no less than three times. I have contacted them since and reminded them that they were not to contact anyone else and extended the payment plan that I had originally worked out in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following accounts are incorrect, and they are adversely my livelihood! 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 2018-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two accounts reporting on my XXXX  and experian credit report that dont belong to me XXXX has the right information they are not reporting it i can show screen shots

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 2021-04-28
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
The XXXX XXXX card was close then re open once I paid it off XXXX dollars was the agreement. This was sent to my credit not paid. Then I purchase form they store again which the order was never delivered. Put in a claim in the give me credit. The company was called not just once to resolve this problem on the item not being delivered to the right apartment. Not it was reported lost ant they tried to tell me to call the company again and I have for two years since.

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 2019-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered two " XXXX XXXX XXXX '' XXXX XXXX chargers on XX/XX/2019 from XXXX XXXX XXXX for {$100.00}, Order # XXXX, using my Wells Fargo debit card. 

I received the items I ordered on XX/XX/2019, about a month after I placed the order. 

The items I ordered do not work correctly. While it charges my XXXX XXXX, it does so extremely slowly. I recording the battery percentage as well as the time, and checked back throughout the day to record the status. Here were the results : 25 % XXXX 32 % XXXX 35 % XXXX 39 % XXXX 37 % XXXX 54 % XXXX 63 % XXXX I contacted the seller on XX/XX/2019 to request a replacement or a refund. The seller replied that it was already past their XXXX warranty. But it took more than 14 days for the items I ordered to arrive, so even if I had tried to return it the day I received it, it would have already been out of warranty. 

I filed a debit card dispute with Wells Fargo on XX/XX/2019, with reference number XXXX. Wells Fargo completed their investigation on XX/XX/2019. Wells Fargo did not decide the dispute in my favor because the item was delivered by the seller, even though it did not function correctly. 

There are 43 similar complaints about this company filed with the XXXX XXXX XXXX within the last year, either not receiving the item at all or receiving non-functioning items.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 would like to file a complaint against TransUnion XXXX XXXX. I have sent a letter disputing accounts that are being reported inaccurately on my credit report. I have also sent them a second follow up letter. As I'm filing this complaint, they have not provided anything information regarding the investigation. As matter of facts I have no response what so ever from TransUnion 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 2022-08-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials 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 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of XXXX mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with TransUnion and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do 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 non-monetary relief
Consumer complaint received 2021-08-08
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:
Dear, CFPB The 3 major credit bureaus - ( XXXX, XXXX  and Equifax. Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day.

I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately.

Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. FCRA 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ATG Credit, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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: Braviant Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received the first phone calls today from the third party collection agency for Balance Credit. Called twice in a row and left XXXX voice messages. Stated they had more than one number for me, which is incorrect. Then they proceed to immediately contact my family. They didnt not wait or give me a chance to respond prior to leaving messages on my system. Voicemail sounds threatening and asked to validate address and work address. They are harassing and abusive when dealing with people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I switched my cell phone service from XXXX & XXXX to XXXX in XXXX of 2021. They did not allow me to switch the service until my bill was paid in full. A few months later I began receiving phone calls from a collection company saying that I owe XXXX XXXX XXXX  XXXX dollars. I have never received any written communication from the collection company nor XXXX & XXXX reference this matter. Only phone calls with no proof of dept owed. They have now reported this dept to the credit bureau. This dept is invalid. I need to have it remove from my credit report please XXXX XXXX The collection company who reported me Credence resource mana  XXXX XXXX XXXX  XXXX XXXX XXXX Texas Reported on XX/XX/2021, This is all the information I have. They have never provided any proof of any money I still owe. They held my phones hostage until I paid my final bill. I dont owe them anything

Company response to consumer: Closed with non-monetary relief