BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Attached is a letter dated XX/XX/2022 from XXXX XXXX  showing that they sent Apple Card-Goldman Sachs payment of {$320.00} for account number ending in XXXX. As of this writing, payment still has not been posted. It seems rather obviuos and intentional that this banking institution purposely processes incoming payments slowly in order to gain additional interest. Also, for the record, the other two creditors listed on the attached letter, have received and processed the payment that was sent at the SAME time. I suggest that the CFPB investigates the payment processing practices of this shoddy bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC stopped payment on a check that was mailed to My local Tax Commissioner for my property taxes. So my taxes have not been paid after XXXX phone calls still nothing so I have paid the bill myself before the they put a lien on my property. The Company will not issue my money back out of Escrow and I am out this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: HW Holding, Inc
State: TX
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:
Hunter Warfield has falsely placed a derogatory on my credit report for an account I had already settled with them. After calling, they had agreed to file a request for deletion with the XXXX credit agencies, however they have not done so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I have a secured loans with One Main. I have XXXX XXXX XXXX as collateral. The current one I have with them I have had since XX/XX/XXXX. I have always been on time until the last year or so but I may have gone 30 days once. One Main has called me 2 times today within an hour and at least 4 times a day since the first. I would understand if i was late multiple months but not 30 days and call 4 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
IN XXXX XXXX  XXXX  STOLE FROM MY XXXX  XXXX XXXX  EXEMPT FUNDS DUTRING H.A.M.P. LOAN MOTIFICATION EXPRESS PAYMENTS OF XXXX XXXX TRANSFERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I pulled all 3 of my credit reports and noticed that I had a collection account with Portfolio Recovery Associates. On XXXX I sent a notice of dispute and validation which was delivered and signed for on XXXX at XXXX. Each account differed from the other ; from contact information, account name, account number, original creditor, account status, payment status, status update, balance updated, original balance, past due amount, high balance, terms, and last but not least payment history.. Also being reported as opened on month in which this alleged account was bought by Portfolio Recovery Associates . I've received an itemized statement ( which does not constitute verification ) containing my name, partial account number, and a balance XXXX cents cheaper than reported. Portfolio Recovery Associates has failed to provide me with proper validation. Please note that as 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), so obviously states, it is prohibited to report information with actual knowledge of errors. This account listed on all three of my credit files is RIDDLED with errors. This company is challenging and disregarding my rights as a consumer. Portfolio Recovery Associates has willfully and negligently reported inaccurate information to all of my credit reports and has continued to do so for a total of 32 months. Please note that the FDCPA and FCRA are strict liability statutes and one only needs to show a violation occurred in order to be awarded statutory damages. Even if you simply remove the information from my credit files, remedy is not complete provable infractions have taken place and are still subject to damages payable to the consumer. 

Also note that PRA, LLC 's most recent correspondence received dated XX/XX/2020 stated that " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' I clearly stated in both notices to Portfolio Recovery Associates, LLC that I was making a goodwill attempt to have them clear up this matter. That the listed item is inaccurate and incomplete, and represents a very serious error in their reporting. 

***Attached are all 3 listings reported to the three major  credit bureaus XXXX  , XXXX  & XXXX  dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I reported to Navy Federal Credit Union on XX/XX/2020 that there had been money transferred out of my account without my knowledge. I informed them of all the information i had, including the person who did the transfers, how she was able to hack into my account, as well as where a large portion of the money was that the company could have frozen at the time till they investigated my claim. From information i gathered on my own because the financial institution would not give me any information, they allowed a large cashiers check to be cashed that was a portion of my money that had been stolen and did not freeze the other persons account until 5 days after my complaint was given. I was told that it could take ten days to complete the investigation and i would be notified after that time of what would happen. The 10th day was yesterday XX/XX/2020. I checked my account today and there was no message for me and there was also no money put back into my account. I called the bank today, XX/XX/2020, and spoke with 2 individuals within the securities department at the bank whom handle the issues and they told me that the investigation had not been completed yet and they could not tell me anything else other then that they would message a supervisor who would contact me within 24 hours. Federal Regulation E states that a financial institution has 10 business days to complete an investigation as long as they are informed in a timely manner, which they were. It also states that if they are unable to complete it within that timeframe that they can extend it to 45 days given they provide a provisional credit in the full amount errored on the account. Non of these things are being done leaving me and my children penniless. please do something to get them moving on this. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: AZ
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:
EQUIFAX is reporting information on XXXX XXXXXXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TD BANK US HOLDING COMPANY
State: ID
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:
They reported my payment as late for XXXX but my payment was never late. I made my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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:
XX/XX/2020 Credit Card dispute faxed to Union Bank Dispute Operations in the amount of {$250.00}. Investigation Completed determined claim valid letter from Union Bank stating {$250.00} was credited to my account on XX/XX/2020. No funds received to date. Contacted bank XX/XX/2020 agent stated would make ticket. Contacted bank again XX/XX/2020 no notes or entries about my claim credit. Told to contact dispute operations again. Received billing statement XX/XX/2020 balance states {$250.00} with min payment of {$40.00} due by XX/XX/2020 and no statement of payment of amount of dispute is not required. Submitted written letter about continuing error on statement XX/XX/2020

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 2020-03-05
Company: ALLY FINANCIAL INC.
State: PA
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:
( 4 ) ally finanl ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX  # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX # 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 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 non-monetary relief
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: ID
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:
They reported my payment as late for XXXX but my payment was never late. I made my payment on 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 2017-04-12
Company: EMBRACE HOME LOANS
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, my mortgage company informed me ( attachment A ) They were changing partners in collecting the payments. In this document they wrote what do you need to do? nothing we take care of everything. So I went on to the next piece of mail. Later I picked it up again and found that I would in fact need to be involved in setting up payment through my bank. So I tried contacting the lender Embrace Home Loans, offering to make small additional payments to my mortgage until the month was paid for. I was willing but the amount they expected was more than I could scrape together. So I was n't able to resolve it that month, the next month they did not take the money that was there even though I set it up to be paid, since I had according to them defaulted on the loan. I sought help and was contacted by XXXX, XXXX was the contact. He hooked me up with XXXX XXXX who had previous experience fighting my lender and claimed not only the lender was practicing Predatory Lending, but that they could reduce my mortgage from $ XXXX- {$340.00}. I paid {$700.00} a month for their help for 5-6 months, and then the suddenly seemed to be trying to work with me. The contact at XXXX XXXX, called me and reported the offer the lender came up with was {$700.00} a month. I can do that, but it was n't what I was offered. Anyway the contact ( XXXX XXXX ), Said If I decide to accept this offer than to sign it and mail it in. I asked what if I do n't accept it? She said then I have to consult my supervisor. She then told me to contact her upon my receipt of the offer. I read the offer and it had my spouse on it, and according to the lender I can not even have this offer without his signature. 
The kicker here is that on XX/XX/XXXX He filled my home with propane and tried to blow us up cause I asked for a divorce. I sent him to prison, and obtained a life long no contact order. I feel since the legal assistance was useless and they are refusing to at least explain what my options are, I feel screwed over. Honestly It is my opinion, the property values are going up the loan amount is $ XXXX But the value is reported to be $ XXXX. There is new industry coming to the area, and I may lose my home just so they can resell for more. 
I 'm sorry if that was over the top. I do want to make clear I am an XXXX, Served with pride ( XXXX XXXX, and XXXX ). I am currently a XXXX for my XXXX adult son, as well as XXXX other XXXX people who are vulnerable. Myself and XXXX renter are Veterans. I work at XXXX XXXX of these people- without state assistance. I need help, I am XXXX and trying to hold onto my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
This is a Macys XXXX XXXX card which means it has XXXX lines of credit. The XXXX XXXX card portion is due on the XXXX of the month. I have enrolled in Autopay through the XXXX website and have a confirmation of enrollment email but no payment came out for XXXX. When I called up yesterday to ask why it did not come out, I want to keep my account and credit in good standing, no one would speak to me. They keep telling me that the Macy 's portion of the credit card is overdue! I have that statement and it says {$3.00} were due for a paper statement request from the previous month. That request had been a misunderstanding and never should have been sent out. On XXXX XXXX, 2016 I called the company and the woman waived the fee, making my balance {$0.00}. The balance Macy 's is trying to make me pay now is from a purchase I made but is showing up on my XXXX statement ( which I was able to access online ). 
They tell me the {$3.00} amount on my account was credited to the wrong statement so that my account is still considered overdue. I have gotten XXXX help over the phone from Macys. They transferred me to the Recovery department who immediately understood me and saw everything I was saying reflected in my account. Unfortunately, she could n't help me and sent me back over to Macy 's customer service line who proceeded to ignore my issues. I have spoken to 4 different people and departments. No one will get me a supervisor. I need help because I am going in circles. No one can even tell me if this is effecting my credit report. The credit dept they sent me to tell me they can not assist because the account is past due after speaking to someone who just gave me their number and assured me the credit was applied.

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 2022-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cant get aproved for anything which is casing me even more XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a written approval to close XXXX/XXXX/16, shortly after receiving it we learned there was second lien. We asked several times prior to XXXX/XXXX/16 for an extension to deal with the other lien. We were not able to get in contact with the negotiator or receive any movement on our request at all. We need an extension, so we can resolve the XXXX lien and close the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX has lost a transaction on mine and I want an answer to the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Creditor XXXX XXXX XXXX XXXX, I cancelled your 30 Day trial offer within 12 days and contacted you via phone and confirmed this with you. You mentioned the cost I owed to you in the amount of {$85.00} if the router was not returned back to you. We showed you proof of receipt that the router was returned with a new balance of {$0.00} but yet you insisted on selling this debt to the debt collector, Waypoint Resource Group. Because of this, you have made my credit score drop XXXX points leaving a XXXX XXXX against me. I did not deserve this and I do not appreciate this at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
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: Account information incorrect

Complaint:
Experian has two collection items on my credit report that are incorrect. Both are from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. Both are medical claims, one is for {$160.00} which can not be identified, and the other is for {$1700.00} which is a claim to XXXX XXXX XXXX XXXX. The claim to XXXX XXXX has been paid probably in XX/XX/2020, this information comes from the FRAUD department of XXXX XXXX, EXPERIAN has committed additional FRAUD by including these items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation