BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was transferred to PHH lending after closing. Shortly after purchasing our home, we had major flooding that caused us to file insurance claims through XXXX. XXXX administered two checks that required endorsement by PHH. These checks were issued for two separate coverages. One was sent to our HVAC company and the other was written directly to XXXX  preferred general contractors. We thoroughly followed all protocols when trying to get these checks endorsed and sent directly to the companies. It is important to note that the checks were made out to the companies for the repairs but needed PHH and myself to endorse. PHH continues to hold the general contracting check refusing to release the funds. We have provided thorough documentation and estimates that they have requested showing that the work has been approved by XXXX and itemized. We have been living out of her home for two months and this is delaying the process. Whenever we contact customer service, our questions are deflected and we never find resolution. When we ask questions about the legal process and contacting the proper channels, we are placed on hold and hung up on. Ive never experienced this level of incompetency by a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2022-08-01
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a textbook on XXXX XXXX for XXXX dollars and a woman named XXXX XXXX on XX/XX/2022 reached out to me asking if the textbook was still available. She specifically asked to use Zelle to transfer the money for the textbook. I have Zelle which is linked up to my XXXX XXXX bank account, so I responded with " yes. '' XXXX proceeded to tell me that she sent the XXXX dollars to my account. Later that day on XX/XX/XXXX I received an email that said I needed to contact the sender and send them an additional XXXX dollars so my Zelle account can be upgraded to a business account and the transaction can proceed. XXXX said that the XXXX dollars would be refunded after the transaction. Then on XX/XX/2022 a 2nd email was sent to me from XXXX saying that my Zelle account has still not been fully upgraded and another XXXX dollars would need to be sent to the account with the email XXXX and whose name was XXXX XXXX. The email said after this transaction the XXXX dollars and XXXX dollars would be refunded and the transaction with selling the textbook could proceed. After sending both the XXXX dollars and XXXX dollars I realized that this was not a real Zelle support team email and was being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account is showing 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. I was not late. My account was up to date due to forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT  # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$7300.00}

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 2022-09-27
Company: LEXISNEXIS
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I sent my letter off to correct the " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I refinanced years ago the broker stuck me with a bad deal of a variable rate at 9.25 % with Ocwen now PHHXXXX but I wasn't told any of this until closing at my house so too late to do anything else. I have inquired about refinancing to a lower fixed rate and have been told I don't make enough money even though I pay every month and they said they would charge thousands of dollars in fees so it wouldn't help. Now they are raising my interest rate to 10.25 % even though as far as I can tell interest rates are currently lower than when I closed on the mortgage. I asked about the increase and was given the attitude of they can do what they want and deal with it. I pay extra every month and now they will allocate that money to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Early warning systems has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Zelle {$70.00} to wrong person who now will not refund my money I contacted chase and they said it will need to be investigated before I can get a refund if any at all. The email address was off by two letters and the person who received the money will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CITIBANK, N.A.
State: ID
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:
on XX/XX/XXXX I purchased an animal from XXXX using my Citi credit card. Shortly after purchase and within XXXX posted live pet warranty period the pet passed away. 
I attempted to claim the pet warranty within petcos own posted policy and was turned away at the local store on XXXX separate occasions. The first occasion the employee on duty said that they were " to busy to deal with me at that time '' and flat out refused service on my second attempt. So I filed a billing dispute with Citi. Citi posted a provisional credit on out XXXX. However on XX/XX/XXXX I receive a notice that XXXX responded to Citi " the service was rendered to you as described at the time of sale '' so Citi has reversed the credit and will close the investigation with the info they have unless I can send proof otherwise... 

This does not in any way address the original billing dispute, the only option that I have to respond is by mail or fax and I can not include any sort of photos because Citi 's system apparently does not support that ( according to the document they sent me ). And at no time did anyone from Citi reach out to me to even discuss anything or request any info from me before just randomly closing the dispute on a generalized statement from the company that does not even apply to the issues at hand. 
Citi is not even attempting to investigate their billing disputes in good faith and I believe that they are violating my rights in their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX XXXXXXXX is still reporting. 

Please see attached letters from creditors. 

Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Credit Center, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX  ; Credit Center , LLC XXXX XXXX  XXXX XXXX CT  XXXX Re : XXXX Dear Credit Center  , LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as {$270.00} for XXXX XXXX XXXX that my father, XXXX XXXX utilized while ill with XXXX. He has since passed as of XX/XX/XXXX See attached death certificate. I do not have any responsibility for the debt you are trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello I have filed a complain before. Been contacting XXXX XXXX XXXX  for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called XXXX XXXX XXXX  and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on Chex systems .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over XXXX times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXXXXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from Chex system. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid XXXX XXXX  why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from Chex system or anywhere else you are reporting this inaccurate information LETTER ATTACHED

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 2022-09-27
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Requested a refund from EDFinancial of {$16000.00}, the total amount in payments I have made since XX/XX/XXXX. Requested over a month ago. No word back yet. 

I paid my loans off entirely through XXXX, who apparently transferred my information to EDFinancial after I paid off my loans. My account with XXXX is now closed, and I have no account with EDFinancial. I can not login anywhere.

I have called and requested refunds with EDFinancial THREE times over the course of a month. The service reps do not give any sort of indication of when I will receive a refund, how, or when I can log into an account. They took 10 minutes just to find any information on me. There is no paper or email trail of my refund. It is sketchy and unacceptable service. Other loan providers have been much more trustworthy and speedy with their refunds, while EDFinancial has been nothing but sketchy, vague and awful to their customers. People have been quoted wildly different wait times for refunds, up to 180 days. Unacceptable, considering interest on loans kicks back in XX/XX/XXXX. Not to mention their recent data breach, and EDFinancial has a history of misleading and LYING to customers, case in point, about PSLF this past year.

I may resort to legal action to get back the money I paid, I want my loan reinstated before I have to escalate further. I need this money back ASAP to have time for it to be forgiven before they charge me interest. This company is deceptive, manipulative, and needs government intervention to ensure customers are returned their money in a timely manner. 

I filed a CFPB complaint 15 days ago, have not heard anything back. I was told 15 days was the maximum length of time before a company would respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX  XXXX : {$2200.00}.

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 explanation