BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have sent letters to credit bureaus for outdated and inaccurate information to be removed off my credit report. I didn't get any response within 30 days. All three credit agencies did not respond.

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 2017-06-16
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband took out a mortgage on our property in XX/XX/XXXX. I am on the deed but not on the mortgage. My husband passed away in XX/XX/XXXX. I paid the mortgage until XX/XX/XXXX. I was never permitted to speak to Ocwen because they said I was not on the mortgage.. When I stopped paying the mortgage and asked for a loan modification, then they spoke to me. Since XX/XX/XXXX, I have attempted to obtain a modification. They constantly say documentation is missing. I get off the phone and immediately refax it to them and the next time they communicate it 's still missing. I was never notified about who my loan was sold to. The borrower is supposed to be furnished with the name, address and phone no. Of the owner. This never occurred. I finally pushed to see who presently owns the loan and was given vague information so we really do n't know who the owner is. Aside from this fact the modification never came through and OCWEN keeps demanding that I sign a family transfer package. They have made no commitment for a modification, so I have been told by my attorney not to sign the papers. Also, I have been a XXXX XXXX and I am well aware that they are stalling and have no intention of giving me the modification. They often call and their reps are hard to understand and leave garbled messages. This co. Is a joke and is scamming the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I had a legal name change in XX/XX/XXXX. Ever since, Equifax stopped updating my accounts and credit score. Finally, Equifax managed to correct my name and address in the system on XX/XX/XXXX. So from XX/XX/XXXX to present, there is no credit history being recorded with Equifax. My credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. This is not an issue with Transition and Experian as they have the latest accounts and credit score. 

I currently have a mortgage application and when the lender tried to pull in my credit file with Equifax, they did not get a credit score and was told their system is seeing me as a new person. They failed to link my past and present accounts. As a result, I stand to lose my dream home and close to {$11000.00} in option fees and earnest money. 

Even Equifax 's website says changing the name will not change credit history and credit score. I repeatedly called their customer service only to be hung up on or don't have enough information or resolve this issue. 

I am at a standstill and turning to CFPB to help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke to two different representatives from XXXX XXXX XXXX XX/XX/2018 as well as XX/XX/2018 about financial hardship due to medical issues which does not allow me to work or make payments to the alleged account. They asked what my medical issue was which is an invasion of my privacy. Per the policy on their website, " We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. '' I read their policy to them with exact verbiage and offered to send in documentation if needed and they refused to accept those and offered to place the alleged account on hold. However, that is not their clearly stated policy and the representatives were rather nonchalant to the policy they clearly uphold on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Phillips & Cohen Associates, Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ever since my aunt tragically passed away, this company + number began calling me ( sometimes multiple times per day ). Amazingly fraudulent and annoying. I ( with a perfect - and frozen - credit report, which I very closely monitor ) owe no debts anywhere, but these calls keep coming ; presumably attempting to somehow extract money from me using my aunt as a connection ... it's a shame that other folks who are less sophisticated / fearful might actually fall for this. Shocking that there is no way to block ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Commonwealth Financial Systems, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS WAS A EMERGENCY ROOM VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, AND I HAVE NOT LIVED IN XXXX XXXX SINCE XXXX OF 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Credit Technologies, 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:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Credit Technologies is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Credit Technologies is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Credit Technologies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed 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 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called customer service back in XX/XX/XXXX when I got an email about an upcoming annual fee. I told the representative to cancel my credit card, I wasn't interested in paying the fee. The representative said the fee was for a secured credit card but since my credit card was no longer secure I would not be charged an annual fee. The next month the annual fee appeared on my statement and I called to cancel the card, the representative said they would cancel and that was it. I checked a few days later and was still able to access my account online so I called a third time to cancel my account, the representative said they would. Today I received an email telling me I missed my monthly payment so apparently my calls to close the account have been ignored. I have no balance, the only charge on this credit card is the annual fee and I called several times to cancel the card to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a protected citizen with a XXXX XXXX I am XXXX. Wells Fargo was asked by me to add a POA to my checking account for in case of an emergency only and with only written consent to authorize a transaction for y XXXX children. Instead the wells Fargo employee decided I should add a joint owner to my account i clearly stated that at no point am I authorizing any use of the account as she would require written consent from e in the case of an emergency and I was hospitalized and needed a transaction are to help my children to this day I have still never authorized any transaction. 
I do not check my account because I have direct deposit of my XXXX check and my work paycheck and I barely utilize my account and so I have just been trying to save enough money to buy a home. On XX/XX/XXXX I called customer service at Wells Fargo and was told my balance my account was almost {$50000.00} less than what it was supposed to be. They informed me that the person that they added to the account had made transactions since XX/XX/XXXX all of which I did not authorize because there has been no emergency. I disputed over 300 transactions and had to file 4 seperate case numbers for each type of transaction and a police report and a claim dispute on the wrongful doing of them adding her as a joint owner instead of a poa which is what I requested to begin with and them doing so without me having legal representation present due to my XXXX which is required putting me at risk. I then filed a police report. Wells Fargo came back and told me that because she was a joint owner on the account they would not reimburse me for any of the disputed charges. I contacted an attorney who informed me that due to Oregon State law wells fargo legally had to have a legal representative present with me to ever add anyone to my account due to my XXXX status and the risk of me being financially exploited and abused financially which is in fact exactly what happened. And the attorney said that they have to reimburse all of the funds to me because I am the one with direct deposit to the account and so that is my money and it is government XXXX money at that which is not for anyone else 's use but my very own regardless if they are on the account as a joint owner. The attorney also stated that due to my XXXX  XXXX they are mandated to protect me from financial exploitation and fully reimburse me and then go after her for the full amount due and criminally prosecute her.

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 2017-06-16
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We have received another scam letter f rom Hunter Warfield, claiming t hey are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Account information incorrect

Complaint:
Account Name : XXXX XXXX BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 XXXX Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to Experian, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain 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 2017-06-16
Company: FIRST COMMUNITY MORTGAGE, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an FHA Home loan with First Community Mortgage Inc. on  XX/XX/XXXX . The Lender that responded back was   XXXX   XXXX   ( NMLS Originator ID Number  XXXX  ). After   XXXX   XXXX   and I had been in contact with each other about moving forward with the home loan process, and myself needing to do somethings in order to move forward. I finally received my pre approval letter for a loan amount of {$190000.00} from   XXXX   XXXX    on  XX/XX/XXXX , and it stated that I had 90 days to purchase my home or I would have to restart the process after the 90 days. I started my search for my new home, and i was lucky enough to find one on  XX/XX/XXXX , and put a pending contract on it. I put my earnest money down and paid to have the home inspected, after being in contact with   XXXX   XXXX  , he had me signing my loan documents, sending authorizations for the appraisal, and sending in documentations of my down payment, bank statements, Social security card, Drivers License all for me to receive a letter form   XXXX   XXXX  , whom I do not know or have ever met or spoke to ever, to send me a letter and say that my loan was denied on XX/XX/XXXX . After I had paid and invested my time and money. I was totally devastated and and broken from this loss. I invested and loss my time and money during this unjustifiable situation. I have all of my documentations, and correspondence from this transaction.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
These accounts are closed, they also are showing incorrect dates, and dates are not consistent.

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 2022-09-10
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
hello paypal, please help me with my issue. issue happend between ( XX/XX/XXXX to XX/XX/XXXX of 2022 ) I am report Unautorized access to my account XXXX. 
All my information has been chaged, CHAGES MADE INTO ACCOUNT WAS UNAUTORIZED FINANCIAL INFORMATION WAS DELETE!!! 
NEW FINANCIAL INFORMATION WAS ADDED! 
ADDRESS WAS CHANGE. 
PHONE NUMBER WAS ADDED LOGIN FROM MULTIPLE LOCATION ( VPN ) i called paypal and custumer services told me that account was hacked using a vpn network for hack my account and now my accout has been permanet limited. 
the hack stole XXXX dollar to the XXXX  card, i said i did not made any withdraw. 

So, now she told me she cant help me. 



my account was perfect on first 6 months and now hack stole my money and made my account limited PLEASE I NEED HELP TO RESTORE MY ACCOUNT FOR fix the problem. 


I dont have access to my account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to my credit reports, XXXX XXXX XXXX has submitted a collection for an outstanding account. I have contacted XXXX XXXX to inquire with no avail. I have requested proof of service, proof that it is my account, proof of the actual balance owed, proof of signature for stated account and any proof of dates of service. I have not received anything and according to them, this account was opened in XXXX, not XXXX. Now this account is listed with a Collection agency and they have been very unprofessional in trying to have this negative information removed 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 2021-10-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX  CREDIT CARD -- XXXX GAS CARD ACCOUNT XXXX ONCE AGAIN XXXX XXXX HAS REPORTED INCORRECT INFORMANTION TO THE CREDIT BUREAUS ... ... XXXXIN ADDITION TO I HAVE MADE PAYMENTS ON MY CREDIT ACCOUNT WHICH ARE NOT SHOWING UP .... 

****MAY BALANCE IS INCORRECT***** THERE SEEMS TO BE A CONSTANT DISHONEST APPROACH TO THE WAY SYNCHRONY BANK DOES BUSINESS. 

I HAVE HAD CHARGES PENDING FOR 3 WEEKS AND ALL OF SUDDEN THEY WILL APPEAR AND THEN I AM OVER THE LIMIT .... 

ITS SEEMS AS THOUGH THEY ARE FINDING WAYS TO CHARGE CUSTOMERS EXTRA MONEY AND INTEREST .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} 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 2017-04-14
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Got this loan long story short fell into financial hardships due to unexpected medical problems. Could n't pay the loan now the company is contacting me for numerous different numbers as well as calling my place of work my brother and girlfriend constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received a rebate card for {$5.00 } ( I know  it 's a low amount, but it 's the principle of the matter ) from    XXXX   XXXX   afte r submitting rebate for a pet medicine (   XXXX   XXXX   ).   Card has {$2.00} remaining ( again the principle of the matter ), but physical card expired o n  XX/XX/XXXX . Pe r the CFPB advice on this website, my understanding is the funds should be valid for 5 years, and the issuer should reissue without fees.   I called the    XXXX   XXXX    number of  XXXX , and spoke with the customer service  rep. My car d tracking number is  XXXX . The rep said that they can not reissue the card if the expiry date is more than 6 months. It 's   XX/XX/XXXX   today, so I missed it by 16 days. I quoted your advice on this website, and he still said no. He was quite polite, and was obviously hamstrung by the company policy. I called on Frida y  XX/XX/XXXX , at   XXXX   CDT . I said thank you, and that I would be reporting the issue to CFPB because either  XXXX  is in breach of the CFPB guidelines, or the website is incorrect ( or perhaps my understanding is wrong? ) Anyway, I wanted to report this to you as I 'm sure these companies are making a lot of money, wrongly, off the backs of consumers.   Before realizing that    XXXX   XXXX    was owned by  Blackhawk Holdings, I  had also submitted an email t o Blackhawk Holdings for  another prepaid card that has {$10.00} on it that expire d  XX/XX/XXXX . I do no t expect a favorable response to that email given the information I received from their rep over the phone, so I am adding that card to my complaint as well. Number for that card i s   XXXX  , exp  XX/XX/XXXX , cvv  XXXX .

Company response to consumer: Closed with explanation