BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: NAM National Arbitration and Mediation
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First I was receiving automated messages with no file number. Then I started receiving calls from someone identifying herself " Miss XXXX '' keeps calling. She has called at least 20 times over the past few months. At first, the calls were coming from " XXXX XXXX '' XXXX. I answered a call about a month ago, told her I recognized this to be a scam and to stop calling me. The calls have continued. Then today she called and left a message from a " Private number ''. The message i received was as follows " Good morning mr **, ** sir, this is XXXX XXXX from global international calling to notify you mr ** that they are in the process of pulling files from us, your file is one of them please sir return my call today upon receipt of my message. your case is already prequalified for forgiveness **, mr ** my direct number in my office is XXXX please sir ask for XXXX.I 'll be able to assist you. mr ***, ** sir, when you call mr ** sir, please have your case number ready. have please reference your case number XXXX that's XXXX. XXXX mr **, ** sir, if i am unsuccessful to contact you, they are going to pull this case from me, they have the proper protocol to try serve you at your residence or even place of employment please mr ** return my phone call. my number is XXXX and please sir, ask for miss XXXX. thank you ''

Company response to consumer: Untimely response
Consumer complaint received 2019-02-16
Company: U.S. Auto Sales 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is a company that I financed two vehicles with. The first loan was completed and paid of successfully. The second loan I had to give the car back which they have sold and refuse to give me the balance that remains on the vehicle which is reporting negatively on my credit report. I have disputed this information with all 3 bureaus and each time XXXX XXXX XXXX reports they are reporting correct information. The amount that reflects on my report is {$9800.00} which is the remaining balance of the original loan. They will not update me on what the remaining balance owed is since the sale of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen does not report my mortgage payments to the credit bureau each month. I have called 4 times over the past 1 year and a half. Each time, Ocwen CORRECTS their system and my credit get reported for about one to two months and then stops again. I then call again and ask them to report it, which they do for about 1-2 months and then I call again. repeat this same process with ocwen each time. Please make them report my payments each month WITHOUT me having to call them and ask them to do what they are legally required to do!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experain is reporting an collection account that is lowering my credit score however the balance is {$0.00} and needs to be removed from my file as there is no balance. 


XXXX XXXX XXXX XX/XX/2010 - - XXXX FL XXXX, FL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: MD
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 have sent repeated request to Equifax to remove several inquires that was not authorize, they continued to keep denying my request to remove them under the Fair credit act. 

i submitted those same request to XXXX and XXXX  and was successful. 

I am looking to purchase a home and can not due to these inquires. 

In addition to send them 2 certified letters, i also disputed on line and was very taken back by their denial within 24 hours without investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I began using Cash App more than usual. From that date to XX/XX/2022 Cash App virtually cancelled my transaction to specific individual. They gave several reasons for this. Every cancelled transaction they held on to the money stating my bank, XXXX would refund the money in 3 business days. In the Help section of their app it states " Refunded payments are returned instantlyto your Cash App balance if the funds were sent from your bank or Cash App balance. Clearly they don't appear to be doing this. I talked to XXXX customer service to see if there were any pending refunds on hold. They checked several of the cancelled transactions. She said she could see the two {$20.00} transactions. She stated Cash App has to initiate these two as well as the other amounts. Once that happens the money will be transferred to XXXX and the money will appear back into my account in 3 business days. I haven't totaled the refunds owed, but Cash App sat on these funds. This morning, XX/XX/2022 i relayed this information to Cash App. I will list the cancelled transactions and amounts below. 
XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX AM for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXXXXXX XXXX  for {$50.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXXXXXX XXXX for {$20.00}. Identifier # XXXX to XXXX XXXX XX/XX/XXXX @ XXXX XXXX for {$20.00}. Identifier # XXXX to XXXX  These transactions total {$210.00} to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: PLAZA HOME MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment online to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and email that my payment had been made. I few days later I noticed that the funds had not been deducted from my bank account so on XXXX/XXXX/16 I called Plaza Home Mortgage and was told there had been computer problems on XXXX/XXXX/16 and XXXX/XXXX/16.. I was told by the customer service rep that they would take care of the issue, confirm the payment, date it to XXXX/XXXX/16 and there would be no late fee. I watch my account for the next few days and saw it still had not been deducted so I call Plaza Home Mortgage again on XXXX/XXXX/16. Again I was told there were computer issues on XXXX/XXXX/16 and XXXX/XXXX/16 so they will take care of it and make sure the payment is made in the next few days. Again I am assured there will be no late fees and that it will be dated on XXXX/XXXX/16. On XXXX/XXXX/16 I received a credit alert that I am delinquent on my Plaza Home Mortgage account. I called Plaza on XXXX/XXXX/16 and after speaking to XXXX different customer service reps I was told that I needed to write a letter to dispute the delinquency. They then said that the payment I made on XXXX/XXXX/16 had been cancelled which is why the funds were never deducted. I tried to logically argue with the customer service rep that why would I make a payment only to cancel it the next day and then call three times wondering why the payment had not posted. I have a confirmation number from the payment on XXXX/XXXX/16. I have a confirmation email. I have no email confirming that I cancelled the payment. XXXX different customer service reps confirmed there were computer problems on XXXX/XXXX/16 and XXXX/XXXX/16 and that payments were affected. I finally asked the customer service rep to please just take make payment over the phone and she graciously said she would n't charge me an {$11.00} fee for processing my payment over the phone. At this time I am still waiting for a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. Attached are copies of police reports since XXXX and FTC affidavit. 

I pulled my credit file, I have National Credit Adjusters, immediately I contacted National Credit Adjusters to report fraud. I was advise by representative, to write in about complaint. I wrote in 4 times to this company only to receive a bill. Every time I call back they say write in they send me a bill. Each time the bill is about 600 $ different then the one before. 

After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but a friend of mines said you can not keep paying for debts that doesnt belong to you and the company may not be real.

National Credit Adjuster refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company since XXXX. Sending requested information with no validation. Of debt or how it was open. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. Requesting police involvement. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report and now sue company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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:
Someone used my identity to apply for credit cards with XXXX XXXX. I mailed XXXX XXXX  2 letters asking to remove the unauthorized inquiries, but they refuse to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MN
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 submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: Ocwen Financial Corporation
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX I have never had a late mortgage payment. 
My payment is P.I.T. there is no in loan insurance. 

My present loan servicing co. ( ocwen ) claims, since they took over the loan, ALL payments for XXXX+ months have been late.This never happened. For XXXX+ months they have been harassing me to pay thousands extra. Because THEY made several mistakes! 
The extra amount they claim is due changes up and down by thousands every month or XXXX. 
I have figured out that they seem to lose track of customers payments all the time and do n't have employees that can read their " payments received '' list. 
Maybe they do n't have a " Payments received list '', but they should have XXXX since they are in the business of receiving payments. ocwen has a reputation of doing this to thousands of citizens regularly. 
This usually ends in ocwen FORECLOSING on people 's homes! 

I have sent them transcripts from my bank 's bill payer system ( XXXX bank ) showing all payments exactly on time every month. The payments are " Wired in '' so they can not " lose '' any of them ( they " lose '' payments regularly ) and they still keep trying to collect thousands in erroneous fees. 
I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I sent check number XXXX to OCWEN. The amount of the check was {$15000.00}. I also included a request for a pay off amount after the payment was applied. I contacted OCWEN on XXXX XXXX, 2016 to find out why the check had n't cleared my account. I was informed that the check would be returned since it was n't enough to pay off the loan. I asked for the payment to be applied to my account and I would request the pay off after it had. The customer service representative agreed to this request. As of today, the check still has n't cleared my account. I have submitted a screenshot of my checking account balance to show that the funds for this payment are available. I have had nothing but trouble with OCWEN since they took over the loan. I want my payment applied and a payoff amount sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen purchased the mortgage on my XXXX condominium a number of years ago. They have been repeatedly sending me letters insisting that my homeowners insurance has lapsed and that I must obtain coverage or they will obtain it for me at my expense. Our homeowners association maintains this insurance, it has not lapsed for the 18 years I have had this mortgage, and I have faxed a copy of the policy to Ocwen three times. They continue to request the proof of insurance, even though I have called to tell them that I have faxed it to them, and now have sent me a letter on XX/XX/XXXX telling me that they have purchased insurance for me from a company named XXXX XXXX XXXX for {$390.00} annually and have added this cost to my mortgage without my consent. I also have individual homeowners insurance which also has not lapsed in 18 years. This is a scam which I have read all about them doing to other homeowners on the internet. I have always paid my mortgage on time and am also buying another home in XXXX with XXXX with no problems with that mortgage. This company is corrupt and needs to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MN
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 submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation