BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a continuation of my previous complaints that have not been sucessfully resolved. 
Here are the facts : 1.There are missing payments from both bankruptcy cases, ( I sent the the doc. with proof and they ignored them and forclosed anyway ) 2.There are missing payments from the XXXX or XXXX different mortgage companies we paid to before the modification, ( and the have doc. to prove that as well, no response ) 3.They are going to put a huge defecit on us for a tax burden that will starve us in the future! ( so they will tax the stolen money again as XXXX on out tax liability ) 4.They are playing games with me with the relocation money. I dont know what is truth or not. 
5.I asked for the max amount of {$10000.00}, which is a drop in the bucket to the amount that is not accounted for. This is the results : a. reps from XXXX say that I will get nothing. 
b. another rep. says she will ask her supervisor and call me back c. a rep from XXXX calls and offers XXXX to move in 2 weeks ... .... I responded impossible to move in a shot notice and too little money. 
d. rep from XXXX calls and offers XXXX to move in same time frame e. several people are showing up at my home pretending to be people that can help me to get XXXX and want to come inside to talk to me. I refuse to let anyone in. 
f. I receieve a letter from XXXX XXXX XXXX XXXX on my door, and call Ocwen. They deny any involvement and pretend not to be part of XXXX and hint that it may be a scam to get money. 
g. XXXX XXXX ( XXXX ) calls, very rudly and leaves a demanding message to return a call. 
When I call she speaks cdown to me as if I 'm trash and says she is offering XXXX to move by XXXX of XXXX. I let her know I 'm moving all by myself and with a car. My spouse is XXXX, a veteran, and XXXX. I have to do the move all by myself and in a car, continue to work part-time, and asked for more money and more time. 
h. received an eviction notice to move in 3 days from XXXX representing Ocwen and the bank. 
i.XXXX called and said there is no offer of money .... 

HOW CAN THIS HAPPEN IN AMERICA!. YOUR HOUSE CAN BE STOLEN, FORCOLSED BY A BANK NOT INVOLVED IN YOUR LOAN, HOMEWNERS NOT GET CREDIT FOR PAYMENTS EVEN AFTER SHOWING PROOF, FORCED TO MOVE ON A SHORT NOTICE, TEASED OR LIED OR PLAYED WITH RELOCATION MONEY THAT MAY OR MAYNOT EVEN BE GIVEN! I DONT KNOW WHAT TO DO OR WHO TO BELIEVE, AND I 'M HAVING HORRIBLE THOUGHTS ABOUT THIS PROCESS. I NEED HELP WITH NOT BEING BURDENED BY TAX LIABILITIES, XXXX XXXX XXXX, AND HELP TO GET MONEY THAT I NEVER GOT CREDIT FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: High Point Asset Inc
State: NC
Product: Payday loan
Issue: Can't contact lender

Complaint:
THis is a third party contacting me, my family members etc. I have not had any payday loans in 6-7 years. They claim they are going to take me to court, etc. They scare my elderly parents. When I have called them back asking for a full detail in writing, they never follow through. This has got to stop. I have a job to do and can not do it when my family members call me upset all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to forward documentation on experian.com/upload. 
I uploaded the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Experian on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have received it and would update me within 30 days. 

On XXXX/XXXX/XXXX, I received a letter dated XXXX XXXX, XXXX notifying me of their dispute and investigation decision. I wondered if they even did an investigation. The letter stated to contact XXXX ( Mortgage Fraud Account ) and XXXX ( Cellular Account Fraud ) directly. 

I contaced XXXX immediately and found out they do not have a fraud department nor would provide me with the lenders direct contact information. I also contacted XXXX and all they wanted was me to pay the balance on the fraudulent account. 

I then sent certified mail with return receipt to Experian on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Experian received letter on XXXX/XXXX/XXXX. 

Experian sent me a letter dated XXXX/XXXX/XXXX, requesting for the same information already sent in order to block the items. 

I called Experian today, XXXX/XXXX/XXXX, to see why. They stated that the police report was invalid and the the FTC Report was invalid. I explained to them that all information sent was valid. I explained to the rep that XXXX received the same documentation and was able to rectify the errors on the report immediately. The rep offered an Experian product since I was a victim of fraud. I declined the offer and hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: Cooper Hoffman Klein Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Have been recieving threatening and rude phone calls saying I owe money on a payday loan that I know nothing about. Said they would put criminal and civil charges on me if I did not cooperate and pay. I told the man I would not pay money until I received a notice in the mail in which I then have 30 days to decide what I want to do. He got very upset about me saying that and said he would add a request to get my license suspended on top of the criminal and civil charges. A few hours later I received a call from the number of the county clerks office and it was a man stating they had received paperwork on my case and I had 24 hours to work things out with cooper hoffman and klein or they would be serving me papers to appear in court. I then called the county clerks office and they told me they had not received anything and there are no males working in their office. Obviously it was a fake call. These people are low life scammers trying to take our hard earned money. They need real jobs instead of trying to take the money I worked my XXXX off for. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Was forced into forbearance when they would not let us lower our monthly costs and made it impossible for us to enroll in payments based on our income, therefore racking up more interest on payments we were unable to make in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: NV
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:
PERMANENTLY DELETE AND BLOCK the XXXX XXXX  XXXX, XXXX FROM MY CREDIT PROFILE. 

Equifax , Inc. refuses to follow the Fair Credit Reporting Act 605B ( a ) where they are required to delete and block accounts that have been proven to be identity theft within 4 business days. I submitted a police report and 2 FTC Identity Theft Reports to Equifax , Inc. with the XXXX XXXX XXXX XXXX XXXX account identified in them as identity theft. This account has been deleted and blocked by all other credit reporting agencies. Equifax has even deleted it multiple times, but they refuse to block it and allow XXXX to report it every month. The account is also subject of litigation and XXXX is estopped from reporting this account because of its fraudulent nature and being identity theft. The account is 100 % inaccurate. 

Equifax had until today to delete and block the account and instead they closed my last CFPB Complaint on the 4th business day and responded for me to call them. My phone calls to Equifax 's fraud department have proven ineffective numerous times. This is a deceptive business practice as Equifax is using this tactic to delay justice and continue to cause damages to my name, likeness, character, and credit worthiness. Equifax has in their possession everything they need to conclude this matter and delete and block the XXXX XXXX XXXX XXXX XXXX from my credit profile. Equifax has never provided me documentation as is required by law ( FCRA 605B ) informing me of their reasons not blocking the account and for allowing the account to be re-reported after Equifax has deleted it multiple times. Once the account is deleted, it can not be added back. All other credit reporting agencies I do not give Equifax permission to continue to publish this XXXX account on my credit profile. They have no permissible purpose by law to not delete and permanently block the account. I am being damaged daily by Equifax 's refusal to follow the consumer protection laws.

Every complaint that I file where they refuse to follow the law can and will be used against them as evidence in any and all matters whatsoever. I reserve any and all rights for damages and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: FL
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 previously dispute these fraudulent account on my credit report with out my knowledege and the credit bureaus only removed 1 account and update the rest. None of these accounts on my credit report transaction are done by myself. I am asking that these accounts to be remove immediately. I do not understand how XXXX, XXXX  and experian reporting fraudulent accounts. I have never done business with such companies.

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 2015-10-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
i paidoff the lien at XXXX XXXX please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
For the past several years I have subscribed to Credit Monitoring for XXXX members provided directly by Experian or a direct Experian wholly owned entity. Recently the product underwent changes and the new product is far less useful that previous. I decided to cancel this service. However, Experian makes cancellation -- likely on purpose -- so difficult to accomplish that after several days they are still unable / unwilling to cancel this service upon my demand. I have attempted on multiple occasions to call the number they have given for cancellations and on each and every instance have encountered hold times exceeding XXXX hours. Ultimately I have never been able to reach a representative to cancel. My desire is to cancel this service effective immediately as of XXXX/XXXX/2015. There is no possible scenario under which I would be willing to keep this service. However, Experian refuses to allow me to cancel. 

I should point out that calling Experian from my current XXXX is NOT toll free. I have already wasted over XXXX hours of XXXX charges trying to cancel. I am NOT willing to call again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I filed a dispute with Chime bank because I return my items ( XXXX ) and cancel a reservation to a hotel ( XXXX XXXX ) and chime still denied my claims and now I have negative balance of - {$4900.00} I sent chime my return receipt and they still denied my claim. 

My other issue is on XX/XX/XXXX I filed another dispute with chime for unauthorized charges made on my account. I had charges from XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I also sent in evidence but they still denied my claim. 

I contacted the merchants that was fraudulent used in my accounts and they sent me receipts with a name XXXX XXXX attach to them. I will provide those documentation at the bottom. 

Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent 3 debt validation letters in XX/XX/2021, and each time the company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently purchased a credit monitoring plan online and was shocked to see an account from a company that I had never used that had been turned over to a collections company. I called the collections company and they attempted to collect the debt listed, which is NOT mine and I explained that to them. They said to call the original creditor and I did that. When I called the creditor, XXXX ( XXXX ) a telephone/cable company, they took the account number that I had been given by the collections company ( XXXX XXXX XXXX ) and asked some information. They did NOT have my SSN, they had an address at which I have never lived and they had a DL # that did NOT end in the same XXXX digits as mine does and the last XXXX of the SSN did not match mine. HOWEVER, this item is showing up on MY credit report, saying I owe roughly {$480.00} and that it has been turned over to a collections agency. My concern and question is, HOW is something allowed to be placed on my credit report ( both Experian and XXXX ), and negatively affect my credit, if they do n't have my SSN? I am being passed from XXXX to the collection group, XXXX XXXX XXXX and all they want to do is to try to collect on the outstanding debt that is NOT mine. I need help.

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 2017-01-20
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank calls 8-10 times per day, everyday, even on weekends. They never leave a message or even a call back number. They call from XXXX different phone numbers and I have asked them to stop harassing me with the excessive calls, yet they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new vehicle from XXXX XXXX in XXXX PA on XXXX/XXXX/16. When we did the loan information we got the payoff of my vehicle from Honda Financial Services which totaled {$12000.00}. I received a letter from Honda Financial Services on XXXX/XXXX/16 that my account was paid in full and I received a check for {$8.00} due to an over payment. Now on XXXX/XXXX/16 I received a call from Honda saying that my account is owed {$800.00}. They had a system error that caused a payment I made to be put on the system twice. They reversed both payments and now I owe that money. My understanding is that if the account is paid off it should include all payments owed on the vehicle and I no longer have possession of the vehicle. Due to their system having the issue I do n't feel that it is my responsibility to owe this money and I do n't want it to effect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on JXXXX XXXX XXXX is not resulting from my personal action.

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 2021-12-30
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UNAUTHORIZED INQUIRES WITHOUT MY KNOWLEDGE

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 2022-08-04
Company: EQUIFAX, INC.
State: SC
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 have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, XXXX, Equifax and XXXX. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

XXXX Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - ALL XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Inquiries : -XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX via XXXX XXXX HL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please review and correct as soon as possible.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Describe what happened so we can understand the issue ... 

Equifax has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Alert ( s ) File Blocked For Promotional Purposes Fraud Alert File Blocked For Promotional Purposes File Blocked for Promotional Purposes Expiration Date : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Address : Phone : Phone : Phone : Comments :

Company response to consumer: Closed with explanation