BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been sending extra money to Ocwen to be applied to my principal balance, yet they continuously fail to do so. Ocwen sent a letter to my attorney alleging the issue had been resolved ( see letter ). 
Yet, money is in suspense, as opposed to being applied to my my principal balance. They claim my next payment is due in XXXX XXXX, however, it all of my extra money has been applied to my account-then my payment is due for XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/21, I made purchase on the website XXXX and selected PayPal as my payment method. I have several credit cards and one checking account stored with the financial technology company. I have previously selected a credit card as my default method of payment for any transactions ; however, when using the service, the retailer will generally redirect to PayPal to complete the purchase, whereby I am able to ensure the payment method desired is selected. That did not occur through my purchase on XX/XX/21. Instead, PayPal automatically debited my checking account. I contacted PayPal immediately after the purchase was completed ( instead of being routed to the PayPal website upon selection, I was notified that the sale was concluded ) only to be told that " automatic payments '' are permitted with " some '' retailers and that I have to log into my PayPal account and manually search and select different vendors to secure my preferred payment method. Further, authorizing my credit card as my default payment device " [ did ] not [ apply ] to automatic payments. '' I have never before been transparently informed by PayPal of this " automatic payment '' process and am incensed that I DID NOT authorize them to debit my account and have now had to contact my banking institution to ( hopefully ) rectify what is increasingly appearing to be a fraudulent transaction as the seller of the goods through XXXX has not responded to my messages and XXXX is requiring a seven-day waiting period for a cancellation. PayPal, meanwhile, claims no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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: Information belongs to someone else

Complaint:
I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: OneMain Finance Corporation
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a loan from one main financial in the month XXXX. I have made every payment within 30 days. During this week week of XXXX. They have called me several times a day. I spoke with a representative via telephone call on XXXX and advised the rep I would be making the payment asap and within my allotted time grace period. On XXXX I received a call at XXXX XXXX leaving me a message to call them. They then called me again that same day at XXXX to ask me the same thing. I am receiving multiple calls a day and week for a payment that is 7 days late. I feel harassed and it is affecting my job as I have to be interrupted with calls as I am working from home. The are calling my cell phone and I live in New Hampshire where messages for debts is not allowed. I also believe this is a XXXX violation as well. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-01-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX accounts on my report that have passed the reporting time limit. The accounts are XXXX BANK Account no. XXXX and Account XXXX ... .. Charged Off. These accounts have been deleted off my XXXX and XXXX reports. I have contacted Experian by mail asking for these accounts to be deleted and they have n't. They would n't allow me to file a dispute case online indicating these items have disputed before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is effecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a checking account and credit card with HSBC USA. In early XX/XX/2015, I called HSBC USA to cancel all my accounts with them. They closed only the Checking account, and left the credit card opened. As a consequence, a remaining balance of a few dozen dollars was on my card a few months before I realize it. I had automated payment from checking to card, but after they closed my checking, no payment arrived on the card account. 
HSBC USA never contacted me about the card account. I contacted them many times, but since I closed my bank account with them, they did n't want to help me and correct there mistakes. 
As a consequence, I have a delinquency posted on my report that cost me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have mailed Experian dispute letters on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and they never did an investigation? They never said anything was frivolous? This has to be a FCRA violation. Are they legally allowed to do this? Do they save money by not doing their jobs? Plus I have to repeatedly ask for Experian to correct wrong names, address 's and social security numbers I have no idea who or what they are? I have been told this is a really bad thing to have on your credit, is that correct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I disputed the balance and status of my mortgage lender and servicer on several occasions to various agencies. On XX/XX/XXXX the grantor reported to XXXX Credit Reporting agency that the dispute was settled by the grantor, the balance is zero and the account is closed. I was not aware that the grantor closed the account with a zero balance until XX/XX/XXXX. Ocwen has not updated any bureaus regarding this account since XX/XX/XXXX and Ocwen has decided to Non-Renew its forced placed insurance on the property. Upon finding out about the XXXX balance I contacted the attorney for the lender and its servicer and substitute trustee informing them that the balance was zero and the default no longer existed. I also asked if they were still claiming that a balance was owed that they should notify me. Despite the account being closed with a XXXX balance Ocwen provided a reinstatement amount in excess of XXXX. Since the dispute has been settled and the account closed Ocwen and its agents and officers are violating the law by attempting to collect on an account where there is no balance and the account is closed. In XX/XX/XXXX Ocwen signed a consent order in federal court stating that it would refrain from certain actions and were made to make payments to homeowners that had a valid complaint. I filed my complaint in regards to the National settlement and was awarded a small check. Ocwen has continued with mishandling of this loan despite its consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: OH
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:
Equifax, To whom this may concern ; I mailed a Multiple Inquiry Removal Letter and have made numerous online disputing attempts in regards to 7 hard inquires on my credit report. Each dispute has ended the same with Equifax stating the same response to each inquiry " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' These hard inquiries are not factual. They are being disputed for a reason ... .I DID NOT AUTHORIZE. I have contacted each of these creditors and they all give me a hard time directing me back to the credit bureaus reporting these errors. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. That fact I keep receiving completed investigation reports after 2 days of submitting the investigation leads me to believe no proper investigation is being done. For example the most recent dispute I made was on   Tuesday  XXXX   XXXX ,   XXXX   and I received my results today Thursday  XXXX   XXXX . I am submitting this complaint due to the lack of investigation into these unauthorized inquires. Im requesting evidence of the results of all the investigations I have submitted, the name of the agent responsible for performing the investigations and the person or people contacted at the institution reporting this inquiry. It is my legal right to have Equifax substantiate anything they are reporting on my credit bureau. I will not take the same response as before. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: NATIONS RELIABLE LENDING LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to refinance a rental property with a mortgage lender. I paid {$800.00} for the appraisal. I was advised that the numbers the appraiser came up with does not accurate. I was then told that someone from their company completed a collateral data analysis and the amount that they came up with would be more accurate of what the home is worth. The difference with the appraised amount and the analysis is {$28000.00}.

This looks a lot like redlining to me. They are not using the appraisal that I paid for. This lender hired this appraiser but refuse to accept what he/she has valued the property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Im being discourage and discriminated from applying for a card on the bases of bogus reason. 
The law bars discrimination. 
This law protection means that a card issuer may not use any of the above grounds as a reason to do the following : discourage you from applying for a card.

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 2016-11-21
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft and credit card fraud. The account from XXXX XXXX for {$1200.00} back in 2008 was not opened by me. Also, the account with MIDLAND FUNDING MIDLAND CREDIT MANAGEMENT INC for XXXX in the amount of {$2200.00} was confirmed by the creditor that they closed this account, no longer collecting ( pls see attached letter ) and notified XXXX, XXXX and XXXX to DELETE this account on my credit report. It has been 3 months since then and it is still in my credit report. I want it DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
To whom t his may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017  and noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources listed, as well as inquiries that were removed, but have re-appeared. I have no knowledge of these unauthorized inquiries as well as the inquires that have re-appeared. This is having an impact on my  credit score a nd I am therefore seeking for all the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards,  Concerned Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an account in  XXXX  of   XXXX   as an  XXXX   XXXX  member, under the terms that my account would be 0 % interest and the {$990.00} annual fee would be waived while still on  XXXX   XXXX . I received a letter stating that the company is no longer honoring their promise to waive the annual fee. I contacted the customer service and SCRA team to discuss the issue and ask if I could be grandfathered in. I was told that was not an option and the change was a business decision by the company.

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 2021-10-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have auto loan took out in Navy Federal for about XXXX on an XXXX XXXX XXXX. The thing is I don't even have an XXXX, I have a XXXX XXXX, but I'm make payments on an XXXX I never got. Could you contact navy federal in get this loan out of my name. I have to pay it because it's on my credit or it's gone affect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been receiving calls a few times a week from Mohela student loans. They have some how broke in to my phone contacts and show up as a contact of mine called XXXX XXXX. This is i ; ; egal to make constant calls to me and ileegally using a contact name on my phone. I want to know how they broke into my phone?? Today I did not answer and allowed them to leave a message. I am only if anything a month behind and that is because they sent me something saying if I filled it out they will let me go two months without paying. I tried to go to their site to get my loan adjusted to my salary and their site is n't working. 
This is harrassment and illegal tactics breaking into my phone contact names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Rhojo Enterprises, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a complaint against this company yesterday. It was closed after they sent documentation. The documents they sent dont bear my address I had while stationed there nor is that my signature. I lived in  XXXX  from  XXXX  to   XXXX  . Prior to leaving overseas, a checklist has to be completed showing all local debts paid in order for orders to be given to leave the location. I lost my wallet twice while in  XXXX , I also stayed in base barracks, Im not sure where this address is that is shown on the bill but it is not mine. It is obvious I have been a victim of identity theft. all my debts were paid prior to leaving, it is a requirement. This is not how veterans should be treated and I ask that you do due diligence in verifying these documents. They are not mine, here it is six years later and Im having to deal 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 2021-10-23
Company: ACIMA CREDIT, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an identity theft they opened a credit card with this bank that account is fraudulent and I contacted them and they closed the account but I need to be removed from the credit bureau because it affects me. 

Account : # XXXX I was also a victim of another XXXX  XXXX XXXX XXXX  they helped me and solved the problem because they investigated and came to the conclusion that I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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: Information belongs to someone else

Complaint:
I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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: Information belongs to someone else

Complaint:
I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.

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