BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage company was Ocwen Loan Servicing and transferred to PHH Mortgage last year 2019. I could no longer make payments online to Ocwen. I contacted Ocwen over the telephone and they stated they no longer have my mortgage account and it was bought by PHH. I called the new number provided with my same account number and social security number and no account was found. Throughout this confusion I was in and out of the hospital for XXXX XXXX. I was admitted to the hospital and received a XXXX transplant XX/XX/2019. I have all documentation of contacting the law firm that took over my account, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. We have spoken in regards to my account ONE time and now it is in foreclosure.I am not getting anywhere with my account. I want to keep my account and house.I do not want it sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In XX/XX/XXXX my husband and I each set up a credit freeze with TransUnion as a result of our personal information having been compromised. After many attempts with the on-line system which would not work at the time, we spoke with a representative that sent us a PIN and set up the freeze on the phone. 

On XX/XX/XXXX, we attempted to access our accounts. The on-line system would not recognize our information. I called three different numbers for Customer Service, and could only get a voice answering system, which continued to repeat the same options, none of which applied to our question. When I entered all of the personal information in the voice prompts to see if I could get through, the system again said it did not recognize the information. Even when we were given the option to reach a person, the same loop continued. I have not been able to contact them regarding the freeze on our accounts. 

How is a consumer supposed to manage their credit if they can not contact the company? 

TransUnion has consistently been a problem. I can not understand how such an inept company is allowed to access and manage such important and personal information as that contained in a credit report. I have no confidence that they are capable of protecting this sensitive 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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..

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 2022-01-27
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They called me telling me about my XXXX  hospital bills, and I told them to take me off the call list and Ill handle the payments then they called me again 3 weeks later and again 3 weeks after that after I have alreayd made a payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I realized on XX/XX/2020 my credit report had a collection from Waypoint Resource Group in the amount of {$1200.00} that I was unaware of. On XX/XX/2020 I certified mailed a verification of debt letter, which arrived to them on XX/XX/2020 and they have yet to respond to my debt validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been having trouble making a mortgage payment over the phone. I have been trying to reach someone by phone with no success. Whenever I call I am told by an automated system that my account manager is not available. I have left messages for the account manager with no call back. I am unable to talk to a supervisor or manager since the system does not allow. I have called the sales department and have stayed on the phone with a sales rep for over an hour to no avail. I am worried that this may lead to additional charges for late payments or other actions for none payment.

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 2020-08-10
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: Personal information incorrect

Complaint:
I have sent XXXX XXXX numerous letters to get my personal information correct ... They will correct it and then place the information BACK on my credit report. 

I am demanding to have my work information removed from from my XXXX XXXX credit report ( all 3 bureau reports )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
the investigation period has been over 30 days without full verification and validation. i attached the initial investigation request. 
XXXX XXXX Card CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX was my birthday, my son XXXX gave me {$500.00} and my Husband gave me {$100.00} total of {$600.00}, in the same day at XXXX I contacted Cash App cashing my money to my bank account normaly it takes two to three days, when i checked my bank account the money was not there, then I checked my cash app acount and found out they transefer my money to XXXX debit and that person paid cash app fees of {$9.00}, then I contact Cash App to let them know that I did not casp up my monry to this person with XXXX debit and myself I don't have XXXX and also I let them know that you have my account, my bank information, my name, my address, my phone, They keep telling me that I autorized the transcation that they investigated, now I asked them to give me that person information they could not provide me with the informations they keep teeling that the transction was autorized, I know for sure You not do cash App transction without having cas App account, why they refuse to provide with necesary information????, I contacted XXXX same responseXXXX XXXX  give your information, I'm a XXXX XXXX XXXX living in fix income I don't see why I will autorized unknow person to cash my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions 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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-05-19
Company: LEXISNEXIS
State: KY
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: Was not notified of investigation status or results

Complaint:
my HOMEOWNERS INS. JUMPED {$390.00} BASED UPON THEIR ADVERSE RISK REPORT TO INS. COMPANY. INITIATED A REQUEST FOR DISCLOSURE OF MY REPORT, ( A HARD COPY ) INSTEAD THEY SENT ME A LETTER WITH INSTRUCTIONS TO ELECTRONICALLY ACCESS REPORT, SAYS THAT I'LL BE ASKED TO ENTER A PIN #, WELL XXXX, NO WHERE IS IT ASKING ME TO ENTER PIN #. 
SO HERE IT IS SINCE XXXX XXXX AND NO INFORMATION!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
We need to get a prepaid credit card or reloadable card for our son who is XXXX but is living with another family member due to playing hockey. PNC does not offer either for him because he's XXXX. When I tried to sign up for " XXXX '', PNC does not allow bank transfers to this card. 
I have never had a bank be so difficult to work with ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS 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
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX AR XXXX {$980.00}

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
Consumer complaint received 2022-01-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2020 I got a membership to XXXX store. I never got the credit card. I just found out that the card was sent back to XXXX because I moved. The place where I moved to do not have a close XXXX. I never had or used the XXXX card, According to XXXX all my correspondence was return back to them. They have the return mail documented in their system. I found out that I have late fees on my credit files because they charged me for automatic membership which I did not agree to when I open the account. I tried to get XXXX to remove the renewal fees from my account but they said they cant unless I have the card number which I NEVER GOT so as a result they will not remove the fee until I can give them an account number. The representative was from a foreign country and not understanding of what I told them about the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the XXXX days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my XXXX set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.

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 2020-08-10
Company: WELLS FARGO & COMPANY
State: TX
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:
I have an excellent XXXX score - XXXX as reported by XXXX XXXX XXXX XXXX. The Downloaded credit report from XXXX does not match with the refusal reasons provided by Wells Fargo. 

* Serious Delinquency >> No such information on a credit report by XXXX * Lack of recent installment loan. 
>> I do not have a need for a loan and this is not a loan application * Too little time has passed since bank cards were opened.

>> I have 2 cards, one was opened in XX/XX/XXXX and the other in XX/XX/XXXX. 
* Account has late payments or negative records within 1year of  opening. 
>> I always pay in full and no such late payment info in my record. 

Since each card refusal ( hard credit check ) has a negative impact on my credit history, I want a detail review and explanation on the refusal. The refusal summary and credit report DO NOT MATCH.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: GA
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}

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
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: UT
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:
My credit union sent a request to Experian to remove a duplicate inquiry they did in error in XXXX. The inquiry remains on my credit with no sign of correcting it. I ran my report today to find it still showing. I gave them plenty of opportunity to remove it yet they didn't. In addition the balance on my credit card is off by {$100.00}. They need to get that corrected too! If they do not remove the inquiry I will sue them, it's as simple as that.

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 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion has consistently violated XXXX request to rescind any and all wording of foreclosure in the records of XXXX XXXX loan # XXXX. It 's shocking that the have continued this reporting with the knowledge that request to squash has been in there hands for years. This information was also presented to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed with all 3 credit bureaus via certified mail, article numbers availible upon request. Source Receivables also received a validation request after identifying this alledged debt on my credit reports. 
This debt appears on my credit report as Account # '' 1 XXXX '' with alledged amount owed {$2100.00}. 
This company has violated my rights under the FDCPA and FCRA .I also mailed via certified mail return receipt requested, article number availible upon request. I received mail from source receivables that provided partial validation.The documents received is not validation under Federal Law in accord with the FCRA section 809. Additionallythe documentation has nothing to do with me. 
I have enough problems, a recent diagnosis regarding a debilitating illness and unemployment. 
I plead with CFPB to assist me in this matter and stop this company from ruining my credit regarding this alledged debt that is not mine.I want this information removed from all 3 of my credit reports immediately. I  appreciate the time and effort in advance regarding the involvement of the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I mistakenly transferred the amount of {$750.00} to the wrong person who would not refund the transaction. I contacted CashApp support on XX/XX/2020 by disputing the transaction because I was unable to reach a representative by phone. I then received a generated response saying that if it was a peer-peer transaction they unfortunately could not resolve. I reached out through XXXX  on XX/XX/2020 as well and was messaged by their team who said that they could report the account, but could not retrieve my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: PINNACLE RECOVERY, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pinnacle Recovery, a collection agency called my place of business and left a detailed message regarding my debt. When I returned the call and complained that it was a violation of federal law to call one 's place of business, the gentleman denied it. I then asked for their business ' address so I could submit a complaint about them and he refused to give me the business ' address. He then said he would only provide the address if I paid the debt. I refused to pay the debt and that is where we currently stand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief