BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: GVA Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

On XX/XX/2022, I received a phone call from a third party debt collection agency. The representative stated that this was an attempt to collect a debt on the behalf of the loan agency. I let the representative know that this account was in dispute, and that I was recording the conversation. The representative proceeded to hang up. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 requesting the same information from the third party debt collection company. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they say I owe them, and a completed corporate government employee questionnaire. 

In my letters for debt validation, I asked to be addressed only via mail in writing. The third party debt collection company completely ignored my request in my letter to not be contacted via email, phone, etc. Instead, I have received numerous emails from the third party collection company, which began on XX/XX/2022. 

The email sent to me on XX/XX/2022 stated that they had somehow finished processing my dispute, and that we have confirmed that you owe the ( alleged ) amount of {$680.00} '' with the original loan company. There was a link attached to this email that stated I could access my debt validation documentation here. The link took me to a screen that said We've verified that you owe this balance. The same page also stated that This concludes the dispute process.. There are 2 files on this screen, file 1 is very vague and only lists a principal amount, interest, fees, late charges, and a total balance. Nowhere on this screen does it indicate what this alleged debt is for, and to whom it is owed. Nowhere on this screen does it indicate that this debt belongs to me. This is not proof of VALIDATION of this alleged debt. The second file shows an alleged loan agreement, which does not satisfy my request for a TRUE BILL and validation of the alleged debt. 

The email sent to me on XX/XX/2022 states they are following up with the balance verification for my alleged account with the original loan company. 

I have received three more emails to the same effect, dated XX/XX/2022, XX/XX/2022, and most recently, XX/XX/2022. 

The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via email every week, and the company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX Stafford loans being serviced by Navient. These are my highest interest loans of all my student loans, so I have been paying extra money towards them in order to pay them off more quickly. On the navient website, when you pay extra, it gives you the option to select whether or not to advance your due date, just as every other loan servicer I have ever dealt with. I always select NOT to advance my due date and have the extra simply go towards the principle, however, they have been advancing my due date nonetheless- meaning that they have NOT been putting the extra money simply towards principle as I had intended, but using it as simply a payment towards the extra due date. Thus, they 've been making more money off of interest payments by not allowing me to pay down my principle as quickly as I have been trying. When I emailed them about this, their response was as follows " ... Please note that each payment received will advance the due date by one month if it equals the minimum due, even if you request to not advance the due date, but it wo n't advance the due date more than one month. If you select online to not advance your due date and do n't want it advanced by the one month that it will automatically advance, then you will need to send us an email after each payment is submitted with your specific payment instructions ... '' I find this extremely misleading, and purposefully so. I also feel they are making this process much more difficult then it needs to be. I have several student loans, serviced by several other large lenders ( XXXX, XXXX, etc ), and none of them are this complicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Loan was acquired by Ocwen mortgage from GMAC. The original Mortgage agreement was 180 payments of {$920.00} after that a Balloon note was due in the amount of {$88000.00} on XXXX/XXXX/XXXX. Being that we were a Victim of Predatory Lending we asked that the balloon payment in the amount of {$88000.00} be put in a loan. Instead of doing that, OCWEN offered a Loan Modification ( HAMP ) in the amount of {$110000.00}. When asked to explain the difference they continually say the fees for none payment, escrow fees, etc. This was not an Escrow Loan but, one was opened. They told us they were n't accepting payments but, asked that 3 payment of {$720.00} be made for a modification to be approved, which were paid. They sent a letter stating the modification was approved and sent loan documents that they wanted us to sign. The loan documents were in the amount of {$110000.00} with a balloon payment attached in XXXX of course, we refused to sign because the numbers did n't match. Now they denied the modification based on the fact the paperwork was n't signed and returned but, they failed to return the {$2100.00} ( 3 payments of {$720.00} ) paid for the months of XXXX, XXXX & XXXX XXXX. A IRS form XXXX was received for the tax year of XXXX from OCWEN in the amount of {$15000.00} ( TOTALLY INACCURATE ) because NO PAYMENTS were made in XXXX other than the amount of XXXX that was requested for the modification which later they denied. 
On XXXX/XXXX/XXXX a check made payable to OCWEN LOAN SERVICING in the amount of {$16000.00} for Principal Payments and {$1800.00} for Interest payments was distributed by a bankruptcy trustee this amount is unaccounted for. We have money orders that were cashed and made payable to OCWEN Loan Servicing with are not reflected on the statement or on the print out provided ( {$8300.00} ). We 've requested several explanations of where the money was allocated over time they acquired the loan no response, requested that the Escrow be closed because in the original terms of the loan the Homeowner pays all Real Estate Taxes and Insurance no response, we have a Suspense and Forbearance Credit of {$5200.00} which we have requested an explanation of and/or return that amount no response. 
We have tried to refinance the balloon amount of {$88000.00} but, we can not get a true and corrected payoff, Ocwen has not reported to any of the XXXX Credit Bureaus and we can not show 24 months of consistent payments because none have been accepted. I have advised OCWEN on several occasions that this account will be reported to the authorities if this matter is n't corrected in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2022 an account with XXXX XXXX XXXX  was opened in my name. I noticed it on my credit report on XX/XX/2022. At the time my credit report showed that there was {$110.00} owed on the card. I immediately ( at XXXX XXXX on XX/XX/2022 ) called XXXX XXXX XXXX and reported it as fraud ( at this time the person on the other end told me that she couldn't find an account with my name and the last four digits of my social security number in their system ) and then filed a dispute with Experian. Last week I received an alert from Experian saying that my credit score had dropped and it was due to the fact that the card was now maxed out ( over {$700.00} owed ). I again called ( at XXXX XXXX  on XX/XX/2022 ) XXXX XXXX XXXX to report the account as fraudulent. This time the person on the other end confirmed that there was an account with my name and last four digits of mt social security number. The person confirmed that it will be reported as fraudulent. 
I just received a report from Experian saying that XXXX XXXX XXXX  has confirmed that the account is indeed mine and it will remain on my credit report. 
I never opened this account.

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 2022-05-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/21 {$500.00} reported fraud to Wells Fargo followed up with the bank and was told that I would not receive my money back but to make a police 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 2017-01-17
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A speed fast mortgage payment was made on XXXX XXXX, 2016 at XXXX XXXX. by phone, confirmation number XXXX, but the payment was not posted until XXXX XXXX, 2016 because the cut off time was XXXX XXXX. Since there was a 49 minute difference I requested by fax and I mailed a letter to Ocwen to adjust the payment postdate to the correct date of XXXX XXXX, 2016 and remove the delinquency from my credit report, but Ocwen is denying my request. I talked to XXXX agents at Ocwen who both confirmed the payments are shown to be made on XXXX XXXX, 2016. The first agent was XXXX agent number XXXX and the second was XXXX XXXX agent number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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:
XXXX, XXXX and Experian has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX has accounts on my credit report that they refuse to remove or delete. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been a victim if inquiry issue,

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 2020-08-17
Company: EQUIFAX, INC.
State: AL
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:
Equifax continues to report fraudulent information on my credit report. Upon talking to XXXX supervisor XXXX  XXXX officer of consumer, I explained the original creditor XXXX XXXX XXXX was reporting two different amounts, on two different credit reports for the same services, but using false information as the original creditor, which was XXXX and XXXX XXXX XXXX, XXXX. They also used two different amounts for the same services, which was removed from my XXXX and XXXX report. Since the disputes have been removed from those two reports, they have recently sold the account again to XXXX XXXX, which they decided not to follow through with the account. Documentation and proof of false information being reported by XXXX XXXX XXXX and XXXX XXXX XXXX has been attached. XXXX XXXX also violated my HIPAA rights by providing XXXX XXXX XXXX an itemized bill with personal information on there with services that were not provided to me ( which is attached ). XXXX XXXX XXXX were not able to provide me a HIPAA release that released my medical information to them. The itemized bill listed fraudulent services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like the reported information updated and removed from the 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 2022-05-22
Company: MoneyLion Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Moneylion was to good to be true and I seen this ad on XXXX advertisement and fell victim to this misleading company and when I signed up and then quickly realized after the fact I didnt want to use this after the fact I read small fine print I tried to cancel this whole pyramid scheme. There are plenty more customers out there that fell victim and customer service is non existent and when you do get ahold of someone they tell you well you signed an agreement. Well its supposed to help your credit but they never lend you any money that you dont pay into it. So I tried. To cancel this companys preying on vulnerability people through Covid times on top of me already had filed bankruptcy and now they say I owe over a XXXX bucks and its now in collections when they never gave me a dollar at all. They just kept my money I paid monthly into this pot and after 12 months I get my own money I paid into every month. But they say since I didnt finish my term of me paying every month into this money pool thAt now I even owe more money. What about the two months I already paid into it for? Do they just keep it and still charge me cause I never finished the term? They never gave me a dime so how could this be a negative account on my credit! Can someone explain how this company operates legally?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: IL
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:
On ( XX/XX/2020 ) I wrote to XXXX, XXXX and Equifax about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I DISPUTE THE DEBT REPORTED BY XXXX XXXX THIS CHARGE IS RELATED TO A MODEM THEY MAILED TO ME AROUND XXXX OR XXXX 2010. I RETURNED THE PACKAGE TO THEM WITHOUT OPENING THE BOX AND THEY RECEIVED IT. HOWEVER, THEY SAID I HAD TO PAY {$190.00} DEPOSIT BECAUSE IT WAS RETURNED MORE THAN 30 DAYS AFTER DELIVERED, I WAS IN TREATMENT XXXX WHEN BOX WAS DELIVERED, AND I RETURNED IT UNOPENED AS SOON AS I WAS ABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, sent a dispute letter to Transunion on XX/XX/2022. Upon checking my mail yesterday, on XX/XX/2022, I received a notice from Transunion, dated XX/XX/2022 stating that my letters did not appear to come from an authorized party such as a credit clinic, and are REFUSING to start a reinvestigation on the disputed items that are reporting inaccurately on my credit file. I, the CONSUMER, sent in my own dispute letters and it's a consumer violation to refuse to honor my request for reinvestigation. Not to mention, I have been attempting for several months to remove inaccurate account information from my credit file and to no avail, Transunion has continued to report said inaccurate information. These blatant inaccuracies are causing me to be denied for new lines of credit and is otherwise injurious to my credit worthiness. Transunion has failed to conduct a FULL and COMPLETE reinvestigation and continues to do so. I do understand my rights as a consumer, provided to me by the FCRA and intend to pursuit litigation since Transunion is unable to correct their errors outside of court.

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 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I paid ALL of the open collection accounts on XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX I received notice that collection account from XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account. Transunion is aware of the first two thimes the account has been removed and added and in a report that was mailed to my home in XX/XX/XXXX from Transunion, one month before this account was re-inserted, this account does not appear 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 2016-08-03
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collection law firm, sue me and won the case. My wages were garnished for 1 1/2 years, I believed ending in XXXX 2016. On XXXX XXXX, 2016 my wage garnishment started up again. I contact my employer and they said that it was sent a letter of an adjustment of my balance. The total amount that I owe in the lawsuit was {$10000.00} and my employer said that it was the same company that is taking the garnishment again. I contacted the XXXX XXXX XXXX and I was told that it was fees and that my employer may have thought they have collected the total amount. I asked them what the amount was for and they just told me fees. The original amount of the lawsuit was paid off and they are now collecting more money for fees that was not on the original lawsuit amount and did not sent me notice or information on these additional fees of {$1000.00}. I have try to contact them and leave messages, but they have not contact me back. I have originally talk to representative name XXXX regarding the situation. He told me to call my employer about the start up on the garnishment, but my employer said that it was XXXX XXXX XXXX that reissue that paperwork to my employer. I believe they are illegally charging fees on top of fees that are out side the lawsuit that was paid out. I have not contact a lawyer, but would like my money back for the garnishment they are taking out of fees that they did not disclosed to me. I believe if they are doing this illegally to me that they are doing this to other consumers.

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