BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My home was foreclosed on back in XXXX with XXXX XXXX XXXX XXXX   XXXXXXXX XXXX the bank had been bought out by XXXX XXXX XXXX several years ago unknown to me. My credit report lists 2 separate accounts listing XXXX has a balance on loan? And also mortgage delinquencies. This was old from XXXX I disputed the accounts with trans union and they are now saying the accounts are delinquent as on XX/XX/XXXX which lowered my score 51 points. I have talked to bank previously and they stated the amount was from the foreclosure yet I never was given any paperwork from XXXX XXXX XXXX. XXXX XXXX XXXX had relieved me of the mortgage but now the new bank says its delin as of today. I cant get anyone to listen or help please help me with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH MORTGAGE I HAVE XXXX ISSUES WITH PHH MORTGAGE. IN XXXX XXXX2020, INFORMED PHH THAT I DID NOT HAVE TO PAY COUNTY TAXES ANYMORE BECAUSE I BECAME 100 % XXXX VETERAN. THEY STATED THAT MY MORTGAGE WOULD BE XXXX PER MONTH. THEN IN XXXX 2021, THEY STATED THAT THE MORTGAGE IS XXXX $ PER MONTH. i ASKED THEM HOW DID THEY MAKE THAT MISTAKE. THEY STATED THAT THEY WOULD DO AN INVESTIGATION. I HAVE NOT HEARD ANYTHING FROM THEM SINCE I INSTIGATED EXCEPT FOR LETTERS STATING IT WAS BEING INVESTIGATED. I BELIEVE THEY OWE ME XXXX $ WHEN I LEFT OCWEN, OCWEN MORTGAGE COMPANY, OCWEN, OWED ME A SUBSTANTIAL AMOUNT OF MONEY BECAUSE THEY DID NOT GIVE ME A PARTIAL EXTENSION DUE TO BEING 90 % XXXX VETERAN. THEY WOULD NOT ADDRESS THAT FACT BECAUSE I WAS TRYING TO GET A MODIFICATION. THEY ALSO CHARGED ME MONTHLY TO PAY MY MORTGAGE. 
OCWEN DELAYED MY MODIFICATION NUMEROUS TIMES BY REPEATEDLY FINDING ISSUES WITH THE SAME ISSUE, NOTARY SIGNATURES. I WAS TRANSFERRED TO PHH MORTGAGE IN XXXX 2020. MY MORTGAGE WAS XXXX WHEN I WAS TRANSFERRED TO PHH MORTGAGE MY EQUITY WAS STOLEN. THE MORTGAGE AMOUNT WAS XXXX. I HAD XXXX STOLEN FROM ME. AT THE TIME I DID NOT UNDERSTAND WHAT HAPPENED. I FEEL THAT I HAD A LOT OF MONEY STOLEN FROM ME BECAUSE OCWEN DID NOT ADDRESS MY 80 % XXXX FROM THE VETERANS AFFAIRS AND IT WAS NOT ADDRESSED WHEN IT WAS TRANSFERRED, I WAS TOLD I HAD TO BE 100 % XXXX DUE TO HAVEING A MODIFICATION AND THAT IS A LIE. 
I WANT ALL THE MONEY THAT IS OWED TO ME BECAUSE OF THESE CIRCUMSTANCES AND MY EQUITY RETURNED. I DO NOT BELIEVE THAT I USED XXXX OF EQUITY DURING THE XXXX - XXXX TIMEFRAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: The Moore Law Group
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never reviewed any written information on the debt in question. I also was never properly served prior to filing a lawsuit. Lastly, I do not believe this debt collector is properly licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion will not remove this misleading information on my credit report. 
I sent them a identity theft report and they removed a bankruptcy and left XXXX tax leins on my report. But they say they could n't accept the report but the item was removed. They Transunion are just stalling, and causing me financial harm, and stress. My next move will be to sue Transunion for willful noncompliance and {$5000.00} for each item they refuse to correct on my report.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
WAS CAR SHOPPING AND THE DEALERSHIP SUBMITTED MY CREDIT FILE TO MULTIPLE BANKS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
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:
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.

All accounts/collections on my credit report have violated my rights. 





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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : MB # XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have a lease with GM Financial, and my leased ended XX/XX/XXXX, because of the COVID19 I extended the lease, after that extension I called to see what would be the procedure to return the vehicle and they advised me that the dealer was closed and if that was up to me to if I want to leave the car there unattended until business returns as usual, if not they will contact me to return the vehicle. I continued making payments to the vehicle as long as I had the vehicle. GM financial never called me, emailed or mailed me a letter, and came and repossessed the car. Now they Charged Off the account without contacting me at all, I am not sure what I am paying for with no final bill. This was a malpractice and the The Fair Credit Reporting Act explain that it should be fair when collecting and reporting. On XX/XX/XXXX I called GM financial and they said that the final bill has not been generated and it will be generated in few months. 

another issue was that apparently with no explanation GM financial deleted my online account and when I when to make a payment i had no account, I had to call to recreate the account and in order to make a payment and that payment was 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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:
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.

All accounts/collections on my credit report have violated my rights.

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 seven 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 explanation
Consumer complaint received 2019-12-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/19 I agreed to a {$140.00} payment to Navient. On XX/XX/19, I received an email thanking me for {$210.00} payment. After calling Navient, they struggled to explain how this happened and offered two contradicting reasons before telling me this was for my XXXX payment due in one month. I asked to have that returned to me and they said it would 4-6 weeks which is after my XXXX payment is due. This is unacceptable and I will continue to pursue other options in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: BBVA FINANCIAL CORPORATION
State: GA
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:
Dear BBVA, Banco Bilbao Vizcaya Argentaria, BBVA, AND XXXX XXXX XXXX XXXX ( debt Collectors for BBVA Bank ) C/O CFPB : I DO NOT OWE BBVA BANK NOR XXXX XXXX XXXX XXXX. BBVA BANK IS IN VIOLATION OF 15 USC 1692e ( FAIR DEBT AND COLLECTION ACT ), VIOLATED REGULATION E, AND COMPROMISED MY PRIVATE AND PRIVILEGED IDENTIFIERS.

( 1 ) REQUESTING RE-REVERSAL OF PERMANENT CREDIT ( MURAD ) FOR {$58.00} ; THUS, CREDITING THE BBVA CHECKING ACCOUNT {$58.00}.

( 2 ) REQUESTING BBVA REMOVE THE EXTENDED OVERDRAFT SERVICE CHARGE OF {$23.00}.

( 3 ) DEMANDING REFUND OF {$6.00} WITH ACCRUING INTEREST ENDORSED TO XXXX XXXX XXXX. WITH CLOSURE OF BBVA CHECKING AND SAVINGS ACCOUNT IN GOOD STANDING AND REMOVAL FROM ANY DEBT COLLECTORS.

Sincerely and Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSWORLD SYSTEMS INC
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:
Transworld sent me to collection without following legal process for intent to dispute as I have no knowledge of this account.

the Fair Credit Reporting Act ( FCRA ) governs how consumer credit information is collected, reported, and used by credit reporting agencies and other entities. Under the FCRA, a debt collector is required to notify the debtor in writing before reporting the debt to a credit reporting agency.

Specifically, Section 623 ( a ) ( 2 ) of the FCRA states that a debt collector must provide written notice to the consumer " before the expiration of the 30-day period beginning on the date on which the debt collector acquired the debt, that unless the consumer disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. '' This notice must be provided in writing and must include information about the debt, including the amount owed, the name of the creditor, and the consumer 's right to dispute the debt. If the consumer disputes the debt in writing within the 30-day period, the debt collector must verify the debt before reporting it to a credit reporting agency.

As a result, this business failed to provide a documentation which gives me a legal rights to fight this in court for violation of my rights, and messing up my credit score. Respond to this letter to avoid further legal actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent several disputes to XXXX, Transunion, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello : First Data is a terrible, unethical and illegal merchant credit card service because : ( 1 ) they always take the money out of your checking account first before you are allowed to get a warning, or respond to a frivolous fraudulent, illegal thieving charge back from a criminal client ; ( 2 ) you only receive the physical charge back notice weeks after the money has been removed from your account ; ( 3 ) this policy of removing the money even before a warning or ability to respond, in contrast to 99 % of the credit card merchant services I have used in the last XXXX  years of law firm business causes checks to bounce, payroll to bounce, taxes to bounce, rent to bounce, insurance policies to bounce, etc etc - causing untold permanent damage with 100s of other damages to life, liberty and property in violation of untold myriad federal and state laws, as well as the United States Constitution ( First Data, ie, FISERV, being upon information and belief a XXXX XXXX company doesnt care about the US Constitution, evidently ) ; ( 4 ) aids and abets XXXX and XXXX XXXX upon ones small business with the above referenced behavior - which can often ( and usually is ) committed against a targeted CEO or employee of the small business by enemies, exes, competitors, foreign and domestic intelligence agencies, XXXX, XXXX XXXX and any other type of agent saboteur or provocateur. 

Please urgently investigate and punish not only First Data corporation, but also the credit card charge back offender. 

Thank you, 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 2017-12-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am an XXXX XXXX currently living in California. Coinbase is not letting me withdraw my funds or do anything with my money in my USD wallet on its website after a successful deposit. It keeps asking for my SSN and says that I can withdraw my funds and close my account if I do not want to provide it. Since I do not have an SSN, instead, I only have a drivers license, I chose to close my account and withdraw my money. However, in the withdrawing page right before closing my account, it asks for my SSN again in order to withdraw the funds. That 's the problem since I wanted to close my account and withdraw my funds because I do not have SSN! I contacted their support for so many times and they never reply email or do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I am a seller on XXXX  selling a XXXX XXXX laptop for {$1000.00} It started with a message from someone claiming to " buy '' the laptop from me. The buyer agreed to cover the shipping ( + {$100.00} ), this totaled to {$1100.00} and I asked to have it paid through PayPal. This is where it things go wrong, because the email contact claims to be PayPal, has a domain " XXXX ''. But I didn't realize it until I paid {$850.00} of Gift Cards to the buyer in order to " authorize payment ''. However, that didn't end because the last email I got asked me to pay {$1000.00} for their ridiculous 'insurance '. This is where I know they definitely crossed the line. The damage has been done and I submitted complaints to my bank, FTC ( and you also ). The liability totaled to {$2000.00} ; I want my laptop back and the {$850.00} that was mistakenly paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I used to have an American Express XXXX XXXX, which I closed about a year ago. A few days ago, I received a bill from American Express saying that I owe then {$920.00} ( due by XXXX/XXXX/15, closing date of XXXX/XXXX/15 ) on this closed card. The bill shows a charge for {$920.00} processed by American Express on XXXX/XXXX/15, in XXXX XXXX ( XXXX XXXX XXXX, a hotel ). I immediately called American Express and informed them that I no longer have this card, which should have been closed a long time ago. A person at the fraud department at American Express did reverse that charge, but refused to tell me how any charge, whether fraudulent or not, could be processed on a closed credit card account. I was also informed that I will never know how this happened. I 'm filing this complaint because this suggests that American Express has a huge gaping security loophole that needs to be closed, and the public needs to know about this. I would also like a much better explanation on how this happened and what I need to know to prevent future incidents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: Better Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am submitted this complaint because my efforts to resolve this issue with better mortgage have been unsuccessful. They have requested that I submit insurance coverage for an HOA even though I have already provided homeowners insurance with physical damage coverage. The condominium that I live in only has two units and does not have and association to manage the property. The owners of the property simply maintain their own part of the condominium. With all this information provided to better mortgage they continue to insist that an HOA insurance is still required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX altered paperwork to where Im not even the owner of my car my co signer is. Then I was sold a warranty which the very last page canceled the whole warranty so it was worthless, still waiting on that to be refunded. And Ive tried to get a paper copy of my financial contract and people from XXXX keep hanging up or telling me theyll fax it and one blank page will get sent To me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently reviewed my Experian Credit Report. Since XX/XX/XXXX I have been disputing XXXX accounts, XXXX XXXX XXXX ( Account # XXXX & XXXX ). On my Experian Credit Report these XXXX accounts show no payment activity and or transactions. Furthermore, the XXXX accounts are more than 7 years old. ( # XXXX - XX/XX/XXXX & XXXX - XX/XX/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 non-monetary relief