BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The last payment on this account was XXXX XXXX claim the last payment XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX XXXX XXXX XXXX and spoke with XXXX on XXXX at XXXX she advised me that XXXX XXXX XXXX n't have the account. How can XXXX report to the credit bureaus the last payment but they ca n't send me the last payment identifier.

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 2022-10-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
ON XXXX XXXX I sold my boat to XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX. He paid {$9900.00}. by wire transfer from XXXX XXXX to my bank TD Bank. On XX/XX/XXXX TD Bank debited or reversed the wire transfer to my account {$9900.00} indicating XXXX never received the boat. TD Bank Seized over {$160000.00} in this process and has yet to return my {$9900.00}. I have been trying to get my money back for a week now and TD Bank is holding it. My phone number is XXXX my name is XXXX TD Bank Investigator XXXX XXXX XXXX is responsible for reversing the {$9900.00} electronic transfer from XXXX XXXX to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have a home loan with ocwen in XXXX ocwen started to sand bag my payments not telling as the year goes on i get a notice stating i am behind {$2500.00} buy there attorny i sent the law firm proof i am not behind while waiting to hear back i get another notice saying i oue {$4000.00} i cantacted the lawfirm and sent the proof again come to find out the law firm was fired do to them telling ocwen there wrong now few days lettter i find out XXXX and XXXX payments was sent back to me saying refused by payee now i get another notice says we now owe {$5000.00} and states our payment is over {$850.00} the payment is {$650.00} there and i still sent them there own paper work show we paid they moved the payment there rude on the phone help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Credit report continues to show duplicate accounts that will not be removed. After running the XXXX score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.

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 2015-12-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Around XXXX XXXX, 2015 I sent in dispute letters regarding incorrect reporting on my credit report. I received letters back stating it was correct and told they case was closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
Personal info stolen fro XXXX. 
Attempts to get credit cards from companies that I already have an account, caused hard hits on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have opened an account with XXXX and funded it with money. Now I have been waiting for over a week for them to verify my account so I can actually use the money which I have deposited. Right now my money is stuck in the account and I simply cant do anything because they wont verify the account. I have email them a few times and just simply havent heard back from them, its simply impossible to get in contact with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had my report pulled XXXX XXXX, 2015 and discovered some items that were either not mine own personal debt or unverified information. XXXX Acc # XXXX I have been in contact with XXXX XXXX XXXX and I was told that this account was not found in their records.

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 2022-04-15
Company: EQUIFAX, INC.
State: AZ
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:
The credit bureaus have been ignoring my requests to investigate the accounts reported on my credit and I haven't heard anything from them. I read on this same website that they should notify me of the status of my disputes, but they have never responded. I would like to know why. I have read that credit bureaus must report 100 % accurate accounts in credit reports, but my accounts are being reported with different opening dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when Experian list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # 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 2016-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a credit inquiry on my credit for XX/XX/XXXX by XXXX, and I did not authorize this inquiry.

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 2022-10-20
Company: EQUIFAX, 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: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
I settled account with XXXX XXXXs in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX and XXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that XXXX  is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: HW Holding, Inc
State: TX
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:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Hunter Waefield Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Hunter Warfield Inc. The Apartment lease was only two months broken and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Hunter Warfield Inc. In this case my debt should be removed from my credit report and out of the office of Hunter Warfield because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Meyer & Njus, P.A.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, 2016. I received three phone calls at XXXX, XXXX and XXXX. The phone number being called is my work phone number. The voicemail for this number clearly indicates this is a business line. No messages were left, no indication of who or why these calls were being made. I had to place a business conversation on hold and called XXXX at XXXX to ask them to stop. I spoke with someone named XXXX and advised him the calls they were making were interfering with my ability to do my job. XXXX said he understood the importance of being able to work and said he would ensure they calls would stop. The calls did n't stop. The next call I received was at XXXX. I believe this is a direct violation of the TCPA which should result in a penalty paid to me in the amount of {$1500.00} for knowingly violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
Experian has failed to verify this account with the original signed contract with my signature date and name. They have not verified so it has to be deleted immediately by law. 

Account name XXXX XXXX XXXX XXXX Account number 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 2022-10-20
Company: MONEY SOURCE, INC., THE
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: Account status incorrect

Complaint:
The Money Source keeps saying that the home was not discharged in XXXX XXXX which it was per the XXXX Discharge and The Money Source own attorney sent me back a letter stating such. 

Everything is attached plus the letter from their attorney I received today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of 2021 I had a loan balance of {$1200.00} XXXX sent a payment and of {$1300.00} on XX/XX/XXXX they said I had {$700.00} in late fees I spoke to XXXX XXXX that I wanted to pay the principal and negotiate the late fees because of XXXX. She said send the payment and then we can negotiate. I sent in the {$1300.00} which they paid off the late fees first and left a balance on the principal. They paid more on the late fees. Which now again left me behind with the principal loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Dear CFPB, I have filed numerous disputes with Experian, XXXX, and XXXX starting in XX/XX/2020 about information that is reflected on my credit report showing my closed account with XXXX XXXX as 90 days delinquent which is false information that has hurt my credit report dearly as result. This information was disputed because my account with XXXX XXXX was closed in XX/XX/2020 and the balance was sold to XXXX XXXX XXXX on XX/XX/2020, and yet in spite of this XXXX XXXX has been reporting late payments to date which has caused a closed account to go into delinquent status which is nonsensical. Per Fair Credit Reporting Laws, the creditor which has closed my account and no longer owns the debt can not report to my credit bureaus my account being in delinquent status. Experian, XXXX, and XXXX has not acknowledged this and has continued to allow XXXX to hurt my credit.

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 2015-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX XXXX, 2015 this account was removed from my credit reports. XXXX XXXX, 2015 - XXXX BANK OF AMERICA CHECKING ACCOU {$600.00} was removed from my credit report because it had been on for 7 years. It was added back to my account in XXXX 2015. I filed the complaint before but was looking at my deleted and removed collections on my credit reports and found it had been removed from XXXX XXXX on XXXX XXXX, 2015. How can another company report again when the account was already run the course of seven years? Is this not considered re-aging an account? 
This Company XXXX XXXX is listing on credit reports a monoth at a time instead of all at once causing my credit scores to drop each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I pulled up my annual credit report and noticed an address and aliases I have never used. I have never lived in Kentucky nor have I ever used an alias.

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 2022-10-20
Company: EQUIFAX, 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:
XXXX, XXXX and Equifax have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan serviced by Shellpointe. The original XXXX loan amount was {$600000.00} with % 10 down with the understanding the PMI would automatically be dropped once the loan reached 78 % which it did a few months ago. It is now at 74 % LTV. All payments have been current. I have called repeatedly and filed written requests to remove the PMI to no avail The company sends requests for appraisals which I shouldnt have to pay for since the PMI by law should have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian deleted an old Bankruptcy from my file in 2015 and since adding a fraud alert and identity theft to my file ; they have readied the Bankruptcy to my File. I have disputed it even sending them the prior results and calling the courts for help ; however, they refuse to remove the Bankruptcy as XXXX and XXXX did. 

I am waiting to close on my house in 45 days my second extension ; and if they do not remove this is face a 8 % interest rate compared to a XXXX. 
I called the XXXX in XXXX XXXX and I was told that the Bankruptcy should be deleted and they are no longer reporting it.

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 2016-07-16
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I request that Ocwen loan servicing provide the following information only and not any additional information that does not pertain to this complaint as they have done in the past. Due to the fraud and illegal acts that have occurred with this note and deed of trust, I am requesting from Ocwen Loan Servicing ( our servicer ) provide the following. 
First, Which document does your company have in its possession, is it the original note, original Deed of Trust or both that pertains to our property? NOTE : I understand that the original note must be maintained by the servicer and the original Deed of Trust must be maintained by the trustee which is XXXX. 
Second, we request a meeting with a representative from Ocwen Loan Servicing here in XXXX Nevada along with the Original note and the Original Deed of Trust. If Ocwen is not able to meet us here in XXXX Nevada, please provide a date, time and a location during the XX/XX/2017 where we can review these documents! Please notify us in writing when and where to attend. 
NOTE ; I will have an independent investigator present to review these documents. We will be looking to see if these documents are the originals or copies of the originals. The ink on the original documents will be different from a copy. If the original documents have been lost or stolen, Ocwen loan servicing, XXXX and XXXX XXXX will have no legal standings to there claims without these original documents. All this can and will be resolved if Ocwen allows us to review these documents immediately. Ocwen can dispute legal claims all you want and XXXX me off even more. This will result in more complaints filed against Ocwen loan servicing. Servicing companies, banks, trustees and investors are required to maintain the original documents such as the original note and the original deed of trust to prove legal ownership. If Ocwen loan servicing fails to comply to my requests, we will request the original note and the original deed of trust in court.

Company response to consumer: Closed with explanation