BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
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:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit 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 non-monetary relief
Consumer complaint received 2017-06-08
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received collection ca ll from Ocwen mort gage on  XXXX / XXXX /   2017  about my  XXXX     2017  mortgage payment. She asked me if I was able to make the payment I told her yes to do a e-check if there was no charge. She looked in system & set up draft from account & then told me there was already a payment set up in the system to come out. I asked her if she could verify the day the payment was schedule to come out of my account & she told me her system did n't show her the date. I asked if she was sure & she confirmed yes payment will come out of your account. I received a call today fro m Ocwen who advised me that  XXXX  2017 payment was not made & I told her of my last interaction with a Ocwen rep last week of  XXXX . She told me she would send info to the research department. I am sure Ocwen records their calls. All they need to do is pull the tape of the call & verify what that the rep told me payment was al ready schedule. It is not unusual for me to set up auto draft payment early in the month to come out on payroll date & get collection calls after payment has been scheduled. I need CFPB to help me get the 30 day late removed from my credit 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 2017-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this reporting agency refuse to send validating paperwork on on how they verified the account. XXXX XXXX account # XXXX. have not received proper documentation on properly validation the accont is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got in touch with the better business bureau and was told that procollect the debt collection agency is not accredited also I was procollect sent me a copy of my lease I never signed a lease with them I have no idea if they are a real company I 've asked them numerous of times to please quit harrsing me  XXXX  was very rude and told me to pay them what I owe them so that they wo n't call anymore she has a very nasty attitude hangs up in your face their saying that I left the apartment complex nasty which I have pictures I 've tried to send them and they refuse to look at them I asked them to remove this off my report that I do n't owe them anything and they refuse to the apartment complex which is the   XXXX   XXXX   in  XXXX  tx I was living in and was paying rent to housing the landlord  XXXX   XXXX  was n't reporting my full payment I do n't have my receipts to show any proof anymore so she messed me and other tenantsat the   XXXX   XXXX   XXXX   over

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit 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 2019-12-04
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 information incorrect

Complaint:
I have paid off XXXX XXXX XXXX thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage from XXXX XXXX which is administered by Ocwen. I have an XXXX from XXXXXXXX XXXX University which was ranked # 14 in the country when I graduated so I understand financial instruments. I have a buyer for the house, but instead of the amount owed being a Current Principal Balance {$46000.00}, Ocwen said it was {$58000.00}. I was alarmed because my expectations were the balance is less on an early pay off. I questioned the account manager and here are some of the charges that were either ambiguous by name or just false. {$250.00} for house appraisal, never happened never heard what the established value was. The list went on {$2700.00}, {$160.00}, {$1200.00}, {$160.00}, {$17.00}, {$19.00}, {$700.00}, {$400.00}. I had him stop there.
I had to press him extremely hard to find out all my options. At one time upon their own volition they did a " streamnline mortgage ''. I neither ask for it in writing or verbally. I missed a XXXX payment, but made the XXXX payment. In XXXX I tried to make a payment, but they refused to accept it stating I was over 89 days past due. In an earlier conversation the representative told me specifically you now do not get locked out until 120 days past. This was again corroborated today XX/XX/XXXX. The XXXX payment should have been accepted by Ocwen but  they created a false prohibition using a previous policy that had ben modified. I was then told I was not eligible for HAMP after XXXX XXXX? I have a buyer that will take the property and the balance will be paid. With the additional {$12000.00} they have become reluctant and Ocwen has served me with papers fron the sheriff. This is highway robbery made up fees and charges for things never done or without clear definitions of these fictional charges No explanation. I need 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 explanation
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am tired of trying to fix problems with Navient f/k/a XXXX XXXX. I have spent cumulative weeks on the phone with their customer service over the last 8 years. Most of whom do n't even understand you because they do n't speak XXXX. And when you finally get through to them they ca n't help you because they are n't authorized. Enough is enough. <P/>Recently I noticed that I have the same {$6.00} unpaid fee appearing on my monthly statements. I pay the amount every month, and it never goes away. The statement does n't explain what the fee is for. But I keep getting charged over and over. It never disappears. From XXXX 2016-current ( the only statements available online ), that adds up in 8 months to over {$50.00}. For something that should have been {$6.00} and that I do n't even know what its for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient loans contacted my boyfriend 's parents about my loans. Neither my boyfriend or his parents have any association with these loans an d Navient would  have had to illegally obtain information to even get their contact information. The only person associated with the account is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: HI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I SUBMITTED MY COMPLIANT THROUGH THIS PORTAL ABOUT A MONTH AGO BUT RECEIVED AN EMAIL SAYING IT DIDN'T RECOGNIZE ME FOR SOME REASON. I'M JUST TRYING TO GET MY DISPUTE PROCESSED REGARDING THESE ACCOUNTS THAT ARE AFFECTING ME FROM BEING ABLE TO PURCHASE A NEW HOME.

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 2021-04-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
the Paypal company close my account for not reason and them will not help me with Getting it back up and going. Everytime when i try to take out my money From my account they just block me for avoid me can me spent my money. 
They just made all complicate. My account was already verified with all My personal information and i never made any mistake. I never had any Dispute or charge in my account. i just put money in my account for buy and send money to my family. so, Now they just close my account with all my money. I think this Company stole money from people, They never takes my calls or respond my message. They used to remove all conversation for avoid evidence. PayPal is not doing her job properly and that the reason i am File a report here. Paypal is violating the rights of people by closing Accounts to keep the money and so make your company grow with the Money that is stolen. 
My personal email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: General Motors Financial Company, Inc.
State: WI
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:
I identified discrepancies with this account and validation was requested as I informed the company that this debit was not valid and paid off by my car insurance, I even provided paperwork. I reviewed my credit report again and the account continues to reflect on my credit report. I have not received any correspondence from the creditor to validate this account. Please strike and remove this account from all three credit bureaus until adequate validation has been received. 

Dispute XX/XX/2022, amount {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Paypal Holdings, Inc
State: TN
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 have messaged, and called Paypal trying to close my account. They are refusing to do it, even though I have no money in my paypal account, no transactions pending, etc. My account is not limited. I would love to attatch screenshots, but because I called about closing my account ( it tells me to call when I try to close it in my account ) they froze my account so its still open but I cant access it! I'm supposed to call back in 3 days to see if they will unfreeze it and maybe close it then. This sounds rediculous, but this is what I'm dealing with! I have called 3 times, and messaged in app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Williams & Fudge, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, WILLIAMS & FUDGE INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA WILLIAMS & FUDGE INC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been disputing things on my credit report and just yesterday my score XXXX TU XXXX XXXX XXXX XXXX I went to check it again because I am currently rebuilding and low and behold my TU dropped XXXX points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The CB are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are XXXX Scores yet it still was a tremendous drop.

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 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Investigation took more than 30 days

Complaint:
I had a car loan with Capital One Auto Finance in XXXX of XXXX for my new XXXX XXXX XXXX which matured after paying on time for 6 years. On a Sunday morning, XXXX of XXXX after my account showed that it had matured, Capital One sent a repossession tow truck to come get my vehicle stating that I still had a balance on a loan that was paid off and took my vehicle. I did pay whatever I owed which was late fees to get my vehicle back and now Capital One and all three credit bureaus are reporting my vehicle as a repossession which is now causing me to not be able to obtain credit on another vehicle. I did owe some late fees in which I had all intensions of paying, however, this doesn't justify a repossession on late fees. I need this investigated as I am now frustrated with the damage that it is causing to my credit as well as trying to resolve it on my own and calling Capital One Auto Finance and getting nowhere and being continuously hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit Corporation calls my home phone several times a day. I 've answered when I 'm at home, but they have poor automated calls, and it starts with " if you are that person, press 1 '' I never hear the person 's name! When I do press 1, I do get connected to a person, but they ask for someone I never heard of. When I tell them that, they never apologize or offer to remove me from there call list, and the calls persist. I do not want to be contacted by them again, unless it pertains directly to me, which I doubt, since I am not in arrears with any financial or consumer entity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.

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 2021-06-16
Company: Persolve, LLC - Legal - Series 2
State: MS
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:
Account resolution and persolve removed the account and illegally reinserted without given a proper 5 day reinsertion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: SYNCHRONY FINANCIAL
State: VA
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:
Synchrony Bank continues to call me at work despite being asked not to contact me. Synchrony Bank has reported inaccurate information to the credit bureaus. Specifically, Sychrony bank is reporting late payments. I had a special payment arrangement in place with a set amount.

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 2017-06-08
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 sent a letter to  XXXX   XXXX   XXXX   XXXX  asking them to verify  XXXX  liens that are showing on my credit report. They responded that they do not report lien to the credit company. I have attached their letters.     I then sent a letter to Transunion asking them to verify the same  XXXX  liens on my credit report and they sent a letter back stating that it was verified.     If  XXXX   XXXX   XXXX   XXXX  does not report to the TransUnion, I 'd like to know how did Transunion verify that the information they are reporting is accurate and with whom did they verify this information?

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 2017-06-08
Company: CAVALRY INVESTMENTS, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A third party debt collection agency,  Cavalry   XXXX   XXXX   XXXX   XXXX , NY, is suing me for {$6800.00} which they purchased from  XXXX . The last payment I made was over 6 years ago, past the statute of limitations. I am  XXXX  and my net worth is less than {$75000.00} and I understand that they can not collect from me according to Wisconsin law. I do n't think that this should even go to court and I do not deal well with this kind of hassle in my life.  <P/> Th e Law firm  they are using is :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , WI  XXXX  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX FI XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX N/A XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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