BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section 609 as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section 611 and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section 1681, whereas Congress states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? Congress also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 

I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was solicited from HSBC to open a new premier checking account where I could receive cashback on my direct deposits. I applied for a new checking account and was approved and deposited my opening deposit. I also transferred monies from another account that I had into this account. I logged into or tried to log into my online banking and saw the account was restricted. I called HSBC and they stated that my account was closed for a reason they are not able to disclose on XX/XX/2021. I have called several times and they keep telling me that they are unable to tell me when they are going to mail me my bank account funds. It has been over two weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had trouble making payments to our loan servicing company - Selene Finance - due to a dip in our business, since XXXX 2017. Over the last three months, I had requested loan modification materials, due to the fact that we have been in our home for 15+ years, and have substantial equity value in the home. While the company calls near daily with robo-calls to ask when we are going to make our next payment, they have not provided the loan modification docs, and we have now fallen seriously behind - six months - and are likely facing foreclosure. I am concerned that this is a strategy, since there is a substantial difference between our mortgage amount ( {$200000.00} ) and the market value of the home ( {$430000.00} per XXXX ). We simply want to find a modification program to bring us current, as we will be in the position to resume regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems Inc. contacted me mid XX/XX/XXXX stating my debt with them ( I had a student loan default ) was bought by " another company '' but TSI was continuing the collection services. TSI said they would no longer honor my previous payment arrangement of {$120.00} per month which I have been paying consistently since the debt was bought by TSI. The telephonist was super aggressive and said they would only consider a monthly payment of {$280.00}. They said they would contact my mother ( who was the cosigner ) and begin trying to collect from her and they would not stop until the debt was collected in full. The debt amount is around XXXX. I bargained them down to a figure of {$140.00} per month. I then get a letter from TSI on XX/XX/XXXX ( about a month later ) stating they would " honor '' my " previous payment arrangement. '' I suspect they have this scam going where they attack people and get them locked into a new higher payment schedule before they send out any letters stating they 're obliged to honor previous arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ADRESSES THAT NEED TO BE CORRECTED I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

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 2021-05-25
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo failed to apply payoff of {$230000.00} received XX/XX/21 claiming there was a shortage of {$1700.00}. They did not inform me of this deficiency and as a result I incurred {$100.00} in additional interest. I also believe this is a breach of my promissory note which requires payments to be credited on receipt.

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 2016-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I recently made a payment on a Citbank card that was due on XXXX XXXX. The payment was made on the due date, but for some reason was not credited to my account until the XXXX. I was then charged a {$25.00} late fee even though the payment was made on time, and a delay in processsing prevented the payment from being credited until the next day.

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 2016-01-23
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
HOW DO YOU LIKE THIS -- I REQUESTED MULTIPLE TIMES FOR LTD FINANCIAL SERVICES, INC. TO CONTACT ME.  I WAS ONLY ABLE TO SPEAK TO A HUMAN ONCE WHO GAVE ME HER EMAIL ADDRESS.  I SENT HER THE REQUESTED DOCUMENTATION AND NEVER HEARD FROM THEM AGAIN.  THE MONTHLY BILLS STOPPED ALSO.  TODAY, I KNOW WHY!!  I RECEIVED XXXX XXXX ON BEHALF OF MY XXXX MOTHER TOTALLY ALMOST $XXXX.  THIS IS CRAZY AND ABUSIVE AND A COMPLETE RACKET.  NOW WITH THE XXXX ALLOWANCE THESE COLLECTION AGENCIES ARE XXXX PEOPLE.  I REALLY REALLY NEED HELP.  THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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:
XXXX will not update my credit report has not been updated since XXXX XXXX I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Maximus Education, LLC dba Aidvantage
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans was transfered from NaviXXXX to Aidvantage, when I was with NaviXXXX my total loans I owed was {$20000.00}. Aidvantage has to add another XXXX on my loans. ThIS is FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was the victim of a identity theft. Once I became aware of the situation I notified my bank and filed a report with the FTC. Initially, the bank refunded the fraudulent charges but they have since taken back the credits and closed my accounts. They still owed me {$1500.00}. Then they accepted a deposit from my employer after my account was closed and are refusing to give me this amount as well. I filed a police report in XXXX, XXXX and also in XXXX XXXX. I was contacted by the detective in XXXX today ( XXXX/XXXX/16 ) and was told that they have the suspect in custody. He had the forged identifications in his possession at the time of his arrest. We have been going back and forth with the bank for 2 months to get this issue resolved. At this time, they are showing that money is owed to them by me from the fraudulent charges. The manager at the branch office that I have been working with is now telling me that they are too busy to help me further. I have submitted copies of both police reports and the FTC report to the bank and they are still not willing to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE 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 non-monetary relief
Consumer complaint received 2016-03-04
Company: CITIBANK, N.A.
State: MA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Fraud or scam

Complaint:
BackGround : I provided a real estate agent with XXXX cashier 's checks to help my son move into an apartment. Both checks were made payable to the apartment management company. The agent rented the apartment to someone else. I made an inquiry to my bank about the checks and they told me they had been paid. 
I contacted the apartment management company to ask them about the situation. They knew the agent, but had no knowledge of the checks and never received the funds. The bank was able to obtain copies of the checks and from them they determined the checks had been negotiated in a Citibank branch without having been endorsed on the back. 
I wanted to find out who had received the funds so I initiated a fraud inquiry through my bank. The apartment management company, the " Payee '', returned a notarized affidavit to the bank, which, in turn, contacted Citibank to ascertain who negotiated the checks, and into what account the funds were deposited. 

Issue : Citibank refuses to respond to the Fraud Inquiry from my bank.

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 2016-12-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XX/XX/XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XX/XX/XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XX/XX/XXXX, which is not true and is painting an unfair picture. Please delete these accounts immediately from my credit reports.

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 2017-10-11
Company: EQUIFAX, INC.
State: FL
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:
Why is it that Equifax has not been held accountable for their XXXX  actions and walk away with millions of Dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Paypal Holdings, Inc
State: PR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Last year I sent a cease and desist letter to my lender. My account was in collections until I got my account current. Since XX/XX/XXXX, I was trying to reach someone because I want to settle the account. 

This credit line has almost 7 years and seems impossible to payoff. 

When I called, no one wanted to talk to me because of the cease and desist. Well ... I sent another letter, explaining and knowing that information can be given to me if I call. I know the law, I worked in XXXX. 

I requested to talk to a supervisor on XX/XX/XXXX, and I was told that she did not wanted to talk to me to " not waste my time ''. 

First, I was told that a contact number should be given, which I did in the letter sent on XX/XX/XXXX sent again on XX/XX/XXXX. 

Today, XX/XX/XXXX, I called again and I was told that a notarized letter was needed to talk to me. SERIOUSLY? I feel like some kind of racism here. 

Why so much trouble ot settle and account? 

The interest in this loan is extremely high. I talked once because I wanted to be explained how the interest was calculated because it was fishy to me that my account was over {$3000.00}. Never less. 

I know, that in all my years of payment even with the hardship program, I 've paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I pulled a copy of my Equifax credit report and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/2018 and have been on my file since then. I have disputed this information with Equifax to get no response, or just completely ignore the fact that the information, is incorrect. Equifax is in violation of Public Law XXXX, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy XXXX  has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
So how is this placed on my consumer file since the court did not furnish this information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This may not fit under your " Credit Card '' category, but several months ago I purchased tennis shoes from XXXX XXXX and paid by credit card. During the process of check out I was asked if I wanted to sign up for the XXXX royalty card, and I said that I would. The cashier than began to tap through several menu options that appeared on the credit card machine that I was unable to read. A week or two later I began to receive charges on my credit card statement for a XXXX XXXX subscription, that at NO TIME during the checkout procedures was I asked about, let along agreed to. I believe the cashier must have clicked accept on my behalf without my knowledge during the checkout. I have searched online and have seen this happen at other stores as well. I believe XXXX XXXX may have a passive policy in place encouraging this type of behavior, perhaps other retailers as well. I think the CFPB should advocate for legislation, or develop a regulation, that would equate this type of behavior, signing customers up for unwanted products at checkout without their knowledge, to identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We received a notice dated XXXX XXXX, XXXX from the law firm of XXXX XXXX XXXX advising us that our Ocwen HELOC loan had been referred to them for foreclosure. The loan had been reinstated by telephone XXXX XXXX, XXXX and in writing XXXX XXXX, XXXX. Our bank transferred by wire {$5000.00}. ( substantially more than the {$2700.00} quoted as the reinstatement amount ) to Ocwen on XXXX XXXX, XXXX. Concurrently, our bank advised Ocwen of the funds transfer by email. Ocwen informed us by telephone on XXXX XXXX, XXXX that they reneged the reinstatement. 

Since XXXX XXXX, Ocwen changed the payoff amount and due date countless times. Each time a different Ocwen representative contacted us, not one of whom was aware of prior letters or phone calls or the most recent information given us by Ocwen. Also since that time Ocwen has been able to provide accurate accounting on our loan, whether it was credit for payments made ( substantiated by their own monthly statements ) and when, credit for additional payments made to principal, etc. We also received numerous calls requesting overdue payment amounts ; when asked for the remittance address, the Ocwen caller hung up the phone. On one occasion, I contacted the same representative and was told she was unavailable ; I said I 'd hold until she became available. After 2 hours I was told she 'd left for the day and it was n't known when she 'd return. 

When I had " telephone appointments '' with our designated " resolution manager '' I was contacted by yet another representative who said that that person was on another call, in a meeting, away from her desk among other reasons I could n't speak with the same person. Then the new representative, oblivious to former information, continued on to give more erroneous data. 

We have acted in good faith with Ocwen to no avail. Full documentation is available, if necessary, for all of the above statements.

Company response to consumer: Closed with explanation