BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
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 was a victim of Identity fraud for over 100k dollars and several fraudulent loan accounts years ago. I did not authorize nor consent to any use of my information. Nor did I apply for ANY of these fraudulent accounts. I have submitted to Transunion on countless times, what they requested for removal of the accounts. I have spoken to them several times in this past month and over the last several years. In which, they again agreed to remove Hard Inquiry XXXX and Collections account XXXX XXXX XXXX after receiving the Police Report and FTC report. I have complied with Transunion with their request to provide proof for removal. I have been sending this upon my findings of identity fraud for years now. They have complied with removing most inaccuracies, however, these remain. I had a XXXX credit score prior to this and would like to get back to that scoring number. This has caused me a great deal of distress and is now affecting my purchasing power and my health. *Note : This includes FTC and police reports along with proof of ID requested.

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 2019-02-21
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a suspicious email from a XXXX XXXX representing XXXX XXXX XXXX stating that I owe XXXX. That the payment needed to be paid today or I would be arrested and jailed. Never heard of this complaint before today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
*THIS IS A FOLLOW UP TO MY PREVIOUS CLAIM TO BE SENT TO VENMO* This is kind of a two part problem with BOTH Venmo and XXXX. What happened was is that I attempted to purchase football tickets through an individual online, I know huge mistake. I was scammed. They requested {$120.00} ( XXXX XXXX XXXX ) through XXXX. I sent it and the person claimed they never got it. So we attempted Venmo, in the promise that they will return the original {$120.00} IF they receive it. So I sent {$40.00} ( XXXX  XXXX XXXX ) on  Venmo and another {$110.00} ( XXXX Mobile Banking ) through another bank that I have. Same thing. They claimed they never got it. Thats when it started to click that I was being scammed. After I refused to send anymore money, they blocked me. I have no way of contacting this individual. I have attempted every possible route to recover my money. Venmo and XXXX wont help me. My banks wont help. My XXXX XXXX XXXX XXXX department recommended me to go through this route. Is there anything you guys can do for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: DE
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 was regarding a XXXX - XXXX XXXX loan which was opened on XX/XX/XXXX and was paid regularly and prematurely in XXXX. Subsequently due to the error of the company sending me the final pay off amount at the wrong address and other delay, they charged me late fees for XXXX $ times XXXXwo for total amount of XXXX , I  contacted the company and they agreed to remove this from the credit report and still it has not been removed Equifax and it shows as charge off account.This has severely affected my credit history. 
I can be reached at XXXX. 

Thanks- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Over the past year and a half, I have been subjected to a barrage of harassing phone calls, letters and other predatory loan servicing tactics by Ocwen Loan Servicing , LLC . First, Ocwen has repeatedly charged me for lender placed insurance ( using what is likely a sister insurance company of Ocwen called XXXX XXXX XXXX XXXX XXXX ), despite me consistently showing that I have an insurance policy in place for the property. Every time they have placed it on my account, I have shown them that I do indeed have property insurance and requested them to cancel their lender placed insurance policy. Often Ocwen would say that they could only accept proof of insurance via fax, which I would comply with, only to be told they did n't receive the fax. When Ocwen would cancel their lender placed insurance policy, they would shortly thereafter ( if not immediately thereafter ) send me new notices demanding proof of property insurance. In fact, one time they sent a confirmation of cancellation of lender placed insurance along with a new notice of intent to purchase lender placed insurance on the same day! Second, Ocwen 's agents would call me virtually every day or other day at odd hours, threatening me with all sorts of penalties, charges and trashing my credit if I did n't provide them with what they were demanding. Recently they have demanded that I provide proof of insurance for personal items in the property. This is utterly ridiculous and absurd! The personal items in the property are not collateral for the mortgage that Ocwen is servicing. Nothing in the mortgage agreement requires insurance for personal items in the property and the insurance policy that I have in place for this property satisfies the insurance requirements under the mortgage agreement. I am tired of dealing with their dishonest, fraudulent and abusive tactics, and frankly I just do n't have the time anymore. I am lucky in that I work in real estate and at least have an idea of what 's going on here. What worries me is that if this has been happening to me, I can only imagine how much Ocwen is taking advantage of people who are not so able to defend themselves. I have read about Ocwen being regulated by both federal and state governments for their criminal behavior, and yet they are still allowed to continue operating. Ocwen needs to be shut down permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
XX/XX/2020 A employee called today, without self-identifying on the first call with Portfolio Recovery, which itself is a FDCPA violation. No proof of ownership has been provided. They mentioned legal action as if they were considering it, which at this point I consider a threat. This is regarding an old account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}

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 non-monetary relief
Consumer complaint received 2015-08-24
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My bank account at XXXX was hacked the end of XX/XX/XXXX and a fraudulent ( electronic ) check was written to XXXX for {$280.00} for check XXXX ( which I never issued ). I instantly went to my bank and account was closed. I got confirmation from XXXX that it was fraud. The end of XXXX I got a Notice from TRS Recovery Services that they were going to collect my XXXX debt ( + fees ). I contacted them and per their request I printed an Forgery/Identity theft Affidavit from TRS and had it notarized by my bank. The package ( affidavit, note from TRS and prove from my bank ) was faxed on XXXX. Fax receipt by TRS was confirmed. I called today XX/XX/XXXX multiple times to ask the status and they claim they have n't received anything from me. Phones are disconnected, or are terrible quality. Additionally they mentioned that there was another case pending for {$190.00} for which I had not received a notice from them. This was a fake check with a fake name and DL from a non-XXXX bank ( XXXX XXXX, I think ) but with my bank account / routing. Very clearly fraud. Also here the bank re-imbursed me and held me not liable. How can they loose evidence sent to them by ( confirmed ) fax )?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Charged excessive overdraft fees

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 2022-07-23
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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent the modification packet to bank of america for the loan XXXX. I bought the home in XX/XX/2009 (  attached HUD1 ) and got title insurance ( enclosed ). The sellers ( MLS printout enclosed ) moved to florida where they were engaged in buying foreclosures and remodeling and selling for profit as their new employment. ( Mls ) and florida has been their primary residence for the last 10 years. I have lived at XXXX XXXX XXXX XXXX, XXXX, NM XXXX and do not own any other property. I wish to keep the house I have been using/occupying for the last 10 years.

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 2016-01-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am disputing the only adverse account on my report, which is XXXX # XXXX XXXX XXXX XXXX XXXX for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XXXX XXXX, 2013 when my bill was paid in full thru XXXX XXXX, 2013. 
On Friday, XXXX XXXX, 2013, at approximately XXXX when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XXXX XXXX, 2013. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XXXX XXXX, 2013 when my account was paid in full thru XXXX XXXX, 2013. 
I owe XXXX nothing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over 56 hours ago I discovered that BBVA had put a block on my account while trying to process a transaction at a grocery store. I have spent many hours on the phone with their hold music and customer service reps who refuse to pass me off to management, refuse to offer solutions and put me back on hold for extended periods of time. I have been told that policies that currently will not be extended to me because they have the knowledge that I am fighting to recover my funds and close the account. I am fighting for every loophole to get my money back. The block was added to my account with no direction from me. Today I was told by CS that I was the one who put it on hold " maybe for security reasons '' he said to me. I did not in fact put my account on any kind of hold for any kind of reason. They have successfully removed the hold on my account but now refuse to let me withdrawal my monies and close the account. I have missed payments, accrued fees, among other things. This has cost my greatly financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Ceannate
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
InXX/XX/XXXX, I entered into a payment agreement with FMS to get my defaulted school loans in good standing so that I could return to school. After I made 6 payments, I was offered a financial aid package from XXXX XXXX University, and started at the end of XX/XX/XXXX. 

Mysteriously, the payments that I set up with FMS stopped, at which point I was told my account was being sent back to the Department of Education. After I started classes, by XX/XX/XXXX I received an email from the schools financial aid office that they had received notification that I was in default, so I needed to fill out an in-school deferment form, which I did and sent in to the department of education. I heard nothing after that, but applied for financial aid for the school year XX/XX/XXXX. I was notified by email from the school that I was in default, and therefore not eligible for financial aid. 

Furthermore, they have notified me that they have not received the money from the DOE because I am in default. This means that i have been attending school without any secured funding. 

Additionally, I finally made contact with someone from the Department of Education at the end of XXXX, and she said I was eligible for a loan rehabilitation, but I needed to fill out an Income and Expense worksheet, so I did and sent in. I have made the small payment required since then, but have heard nothing, and we are at the end of XXXX. 

So, I need to know : Why am I still in default, if FMS was accepting my payments for 6 months? 
Why was I offered a financial aid package from XXXX XXXX in the fall of XXXX? 
Why have I not heard anything about my loan being rehabilitated since submitting the required paperwork?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
RE : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Good day Sir/Madame, Principally, I hold that this 'loan ' was distributed in an illegal manner. 

On XX/XX/XXXX, I was 'given ' a 'loan ' amount from the aforementioned entity. I have met all re-payment stipulations up until XX/XX/XXXX. I was 'given ' this 'loan ' amount under bizarre circumstances. Whilst I had gone through the majority of the prescribed qualification process, I had not completed it, yet this loan amount appeared in my bank account whilst I was overseas, attending to family matters. 

As mentioned earlier, I have up until now met a re-payment criteria instituted by the LendingClub. However, at this time, I have been only fully able to distill the entire circumstances of this 'loan ' ; I have been absolutely engaged with bereavements of a sibling and parent over the past few years amongst other issues. Whilst I fully intend to honor any fair and reasonable obligation, I propose that this 'loan ' fails to meet that criteria, as i did not fully complete the approval process, yet was debited with a 'loan ' amount. 

Upon reflection, I have come to the conclusion that this 'loan ' has predatory characteristics. It has an extremely voracious interest rate. The ratio of payment applied to interest over principle is egregious. Also, as an XXXX-American, I statistically and historically, belong to that group whereby these type of predatory instruments have been targeted. I would like to have the 'lending ' process for this 'loan ' meticulously reviewed in detail. I am willing to meet a fair and reasonable obligation. LendingClub  has been made aware of my position via telephone conversation. They have presented an unwilling interaction insofar as discussing the matter. 


I would be most grateful for any advice or assistance that you can provide for this complaint. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: Farrell Holdings, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Comerica
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive my social security funds directly into my DirectExpress account. There have been numerous fraudulent charges throughout my time with DirectExpress. I tried resolving but when they send me the paperwork it never is timely. They have a rule you have 10 business days to file your complaint from the time DirectExpress sends it through USP service. They gave me fax numbers that do not work, e-mail address that doesn't work and no physical address, just a P. O. Box address. I really would like to speak with someone regarding the amount of money I have been denied. The individuals working at DirectExpress are rude, I've been yelled at stating that their fax machines are working and that it's my fault. I just put a complaint on XX/XX/2022, through 2-day mail delivery to their XXXX XXXX to in XXXX XXXX XXXX TX. I had {$230.00} in fraudulent charges from XXXX in my XX/XX/2022 statement. I do not own or have XXXX products. This has happened prior to this many times. Always XXXX charges. All fraud. Email me please. After the charges I have nothing to buy food. Please help me. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I opened account with Capital One for credit card then was closed six years ago. a fraud occur to my account last year and Capital One have reported delinquency on my account bringing my credit score to a very low score preventing me from getting loan to purchase a home. Capital One claiming it is a mistake and will be resolved waiting 60 to 90 days. This delay will cause me losing my deposit for {$48000.00} with the home owner. Your help is appreciated to resolve such issue.

Company response to consumer: Closed with monetary relief