BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is long overdue. I lost a home to foreclosure with Ocwen Mortgage Services. Home was purchased in XXXX using a VA loan benefit. Ocwen acquired the loan shortly after. In XXXX I suffered a work-related injury that had me off work for over 5 months, the majority of which was unpaid. Ocwen would not work with through this time. They would refer me to assistance programs and every time I sent the aid packages ( by mail and fax ) they would claim to never receive them and send me another package to fill out. Every financial aid request was dealt with in similar manner. This happened on at least 5 occasions. Ocwen would not negotiate any restructuring of payments, refused partial payments, failed to honor XXXX  gap protections that were part of my original mortgage loan, and after 3 missed payments they blocked me from online payment access, phone payment access, and wouldn't cash checks sent by mail. When I would try to call Ocwen reps would tell me I had to pay the full delinquent amount to be able to re-establish payment. I was not able to do that as I had only received 45 days of worker 's compensation from my employer at 80 % of base pay. I believe Ocwen acted in disregard of consumer protections and failed to consider or respond to financial aid benefits that were supposed to be available to borrowers during that time. They acted with callous disregard for my hardship, failed to honor XXXX protections that were present in the original loan, and refused to work with me on partial payments or any type of restructuring of the loan. Is there any recourse against Ocwen or their parent company? Have there been any class action settlements that I may have missed because I was basically transient after losing the home and had no firm address as a point of contact to receive information of this kind? This foreclosure also caused me the loss of my VA home loan benefit in the amount of {$39000.00} that I have never been able to repay. It seems obvious that Ocwen acted in a manner to intentionally force foreclosure despite all my efforts to try to work with them on a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Southwest Credit Systems, L.P.
State: OH
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:
Southwest Credit Systems keeps removing account from credit report and then turn around and repost it with a new and more recent " Account Open '' date. This is an unfair and deceitful practice that is used in an effort to cause unfair credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
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: Personal information incorrect

Complaint:
Experian is reporting an incorrect address on my credit report. I've never stayed at this address nor have any relatives that lived at this address. 


XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Financial Data System i s reporting that I have a {$450.00} collection with   XXXX   XXXX   on my credit report. This account does not belong to me. I have even spoken with their representatives about this error, and even their reps agree with me. They have promised me that they would remove this error from my credit report for months, but its still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: AUDIT SYSTEMS,INC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
AUDIT SYSTEMS INC   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX  posted to a credit reporting agency without prior notice of right to dispute or pay. In fact The only way I found out there was a possible collection account open was when I received notice from my credit monitoring service of negative posting to my record. This to ok a credit score fr om over  XXXX  to under  XXXX  irreparably damaging my ability to refinance my home. Additionally the telephone number is not functional 50 % of the time therefor they are providing inaccurate contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Switch from   XXXX   XXXX   XXXX   to  XXXX  in   XXXX  . I called   XXXX   XXXX   XXXX   and spoke to a agent. paid my last bill. I never changed my phone # of   XXXX   XXXX   XXXX   transferred it over to  XXXX . No bills no phone calls until  XXXX  from  XXXX   XXXX   XXXX  DIVERSIFIED CONSULTANTS  INC ).  stating I owe {$68.00}, I asked why did n't you call me prior to this she said they only had my old number  XXXX , so I said then how are you calling me now, when the my current phone number was given to me by  XXXX   XXXX   XXXX  Paid the {$68.00} and said this was unfair that I had no warning. It is now showing on my   XXXX    Even though I paid for this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: American Coradius International LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AT  TN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely
manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : American Coradius International    XXXX  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently attempted to enter the bank 's website and it wants to send a code to a U.S. cell phone and I'm currently traveling Internationally. I tried to call the customer service number and spoke with a rep that asked five minutes of identity questions and then wanted to transfer me again and I gave up. The first two questions should have been enough. I've been a customer for 35 years with a high credit limit and I explained all I wanted was to know what my balance was to pay the monthly payment. What I got was harassment in my opinion.

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 2019-10-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
It wasn't any of those problems with the company. What happened was I got an email and phone call from someone who claimed it was from this company and they had all my information. They just wanted me to verify it and I did. Then I received another phone call about 20 mins later stating it was this company again. He was asking for my info and I said you all already have it because I spoke to someone, he got upset and I hung up. So I called the local branch and found out I was denied the loan and that no one has called me. I got the headquaters number and found out they had no one by that name working there and there was no record of someone from the office calling me. So some how someone got my info from this company ( when I probably applied online ), called me and made sure all the info was correct. This company didn't make that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So I recent pull my credit report through annual credit and I noticed that Toyota Motor credit is reporting an alleged late payment on my credit report for XXXX XXXX I have never been late on this account so I dont understand why Im getting hit with this erroneous error. I have already dispute this information with the 3 credit bureaus and was informed that Toyota Motor Credit is report this item. I have paid off this this car from last year and I never missed any payments. I am in the process of getting a house and because of this late payment showing on my credit report by Toyota, I can not get approved. I have never missed a payment with any of my current accounts. I pride myself for that. This late payment should be remove and updated to Paid/never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: CITIBANK, N.A.
State: PA
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:
I was notified by e-mail and telephone by Citi bank that my card was used for fraudulent charges. They read the list of charges and asked if i made them. I reported the ones I did make and they said the others would be removed. All fraud charges were made in California and we are in PA. They removed all but one fraud charge and that one was  made made on XX/XX/XXXX for {$50.00} to a company called XXXX in California. This is shown on the attached statement. There were three charges to this company by the hackers. Citi removed 2 of them and sent a new credit card with a new number. 

Since then, the {$50.00} charge remains as on XX/XX/XXXX. It is the only balance on the account plus they are charging us interest now on the {$50.00} which they also promised to remove. We have called Citi 8 times, The first XX/XX/XXXX the last on XX/XX/XXXX for 1 hour and 10 min. Each time we called we spoke to at least 3 people. One time they said they needed to send a new card so they sent another one. Each time they said the charge was to removed in 5 days and we are not to pay it. The {$50.00} remains and now they charge interest.. The only response we ever got was the e-mail sent in XX/XX/XXXX as  attached.. We also sent 2 letters to customer service and NEVER got a response. The last letter we sent them is attached. We don't know why they wont remove this charge and why they wont even respond to us. 

They also refused to close the account.

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 monetary relief
Consumer complaint received 2017-04-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.

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 2017-04-17
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account : ONLINE COLLECTIONS #  XXXX  was paid in full at  XXXX   XXXX  and is not a valid collections account, you will find the receipt of payment attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
n accordance with the Fair Credit Reporting Act Convergent Accounts names XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2022-08-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
1. XXXX XXXX : XXXX XXXX. XXXX. XXXX My rights have been violated numerous of times. 
The credit bureaus violated my given rights under 15 USC.1681 According to 15 U.S.C 1681 section 602 A. states I have a right to privacy.

According to 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 According to 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent out dispute letter XX/XX/2022 and i have not received a response

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 2022-08-15
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I incurred into overdraft, and the bank has this practice where they deny payment, and still charges, numerous times. I complained XXXX a few months ago, and got to an agreemtn I had to pay a small fee. I did, however, received a letter from a collection agency, I am affraid this in addition of being an issue for money I do not owe, has negative impact on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am filing this grievance as I completed the terms to my lease with the purchase of a new Toyota vehicle, with all payments made on time. Im frustrated at the fact I am being held hostage to a missed payment for XX/XX/2021 when I did not have possession of the vehicle at that time as it was turned in XX/XX/2021. Due to erroneous reporting to the bureaus the payment history needs to be corrected poste haste to restore the perfect payment history on this loan. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got an email from a buyer asking to purchase an item off of me for {$200.00}. He used Zelle and sent a fake email pretending to be Zelle and said I had to send {$300.00} in order to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-10-18
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: NY
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:
Equifax has already deleted a XXXX loan account few weeks ago, today they reinsert the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: BB&T CORPORATION
State: NC
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:
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on XXXX. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the XXXX file immediately.

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 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I paid my credit card off early with fees back in XXXX. 
bank penalty charges are being applied to my account due to the fact I paid my credit card off early penalties of cash withdrawal limits was not outline on my statement when I paid off the entire amount Therefore, I am being penaltized for paying the card off early using their website that had assist the amount that need to be paid in full XX/XX/2022. 
XXXX, refuse to let us speak to someone about the account on XX/XX/2022 at XXXX eastern standard time We want to work with Bank of America but they refuse to work with us.

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 monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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