BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
equifax, both on the web and on the phone -- at hours they themselves by written word say they are available -- make false claims ; and won't enable me to lift the freeze. On the web they tell you to enter my email address ( XXXX ). But when I did as instructed they told me it didn't match the one on file, or, they sent a needed link to the secreted email name. They wouldn't let me in. And, that, after telling me I could lift the freeze easier thru the website, they belie their own words. Blatant, fraudulent actions SOLELY ON THEIR PART. Those people are evil liars. And since, in writing several ways/times, they purposely SWITCH the rules. CLEAR LAW BREAKING!!! 
Next, I tried the phone GRUELING/TORTUROUS as it was, about six times for a minimum total each time of TWENTY minutes. Even when they sometimes say they'll put me through to an agent, the ultimate response is : call back when they are there! BUT, THEY WROTE, they WERE there then. Another MISREPRESENTATION. 
AND what is the only option they gave me? That I MUST give them my mobile number, and I NO LONGER HAVE ONE. Though I've TOLD THEM ON SEVERAL PREVIOUS ENCOUNTERS with them that they need an e-mail or voice-call option workaround, DOGGEDLY they HAVE NOT provided those REASONABLE ALTERNATIVES. And they violate the statutes again by INVOKING AN OBSTRUCTIVE CONDITION the LAW never REQUIRED. THEY'RE NOW LAWMAKERS AND LAWBREAKERS in their own little ALL-CONTROLLING, ALL-PWERFUL, SADISTIC-OBSTRUCTIVE bubble of a world. 
GENTLEPERSONS, it's time you BURST their bubble!!! 
AND, those of them who have designed that implement of MEDIEVAL TORTURE and BY INACTION AFTER POLITE PETITION FOR CHANGE refused thereby to STAY AN ILLEGAL COURSE OF ACTION, WELL, THEY NEED TO BE BROUGHT BEFORE A GRAND JURY AND be INDICTED, TRIED AND CONVICTED of all their WILLFUL, PURPOSEFUL violation of The Laws, be IMPRISONED FOR AT LEAST FIVE YEARS!!!!!!!!!! I contacted my lender, and she said MANY OTHER CONSUMERS had had this experience with Equifax. THEY NEEDTO BE FINED, and FORCED to alter their setup to one MUCH MORE HUMAN AND REASONABLE. 
They could use XXXX  or XXXX  as MODELS for their OWN NEEDED redesigns!!! 
XXXX  and XXXX  were a joy to use : freezing OR UNfreezing of credit accounts. 
THE ONLY rotten apple is Equifax. 
Please PURSUE EVERY course of action you can IMAGINE against Equifax itself WITH HEFTY FINE AND PENALTIES ; AND EVERY TORTUROUS turn of the SCREW against THOSE EVIL PETTY DESIGNERS/RULERS of the Equifax MACHINE. 
They NEED to SERVE some PRISON TIME. You can begin with a MINIMUM PRISON SENTENCE of FIVE years. 
PLEASE GET THEM!!!!!!!!!! 
THANKS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I submitted documentation on XX/XX/2021 and XX/XX/2021 and still have not received a response from XXXX  or Transunion.

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 2021-06-19
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have American Express cards. As a consumer, I have found that cable TV providers and other commercial actors often try to lull me into inadvertently signing up for recurring charges. I have tried to search my American Express accounts online to identify all my recurring charges, so that I can regularly look at a list of them and weed out the ones I don't want or didn't know I had acquired. American Express has no such search option. They told me to look through successive monthly statements on my own, and see for myself if certain charges recur. 

XXXX! I am sure they can provide such a search function with ease. They should be made to do so. There are more and more commercial actors defrauding consumers for dollars and pennies at a time, by imposing unwanted recurring charges. Credit card companies should be compelled to take the consumer 's side in this fight, and give us a way to screen our online statements for recurring charges. See, e.g., the way the website XXXX operates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Revenue Recovery is negatively reporting on my credit report for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX since 2008. I do n't owe this debt I would like it removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have required proof of what they want me to pay for and have not received it and I have asked several times and when I stated I was taking legal action I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was not able to get my annual credit report from XXXX or from EquiFax when I followed the procedure outlined on XXXX. I did succeed with XXXX. The other two either flat out said they were not able to provide a credit report, or insisted I mail in the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Began calling servicer when income decreased. Call center in XXXX gave false information repeatedly. Sent in repeatedly load modification packet American Home mortgage was working with us on modification while filing foreclosure and not serving or advising Hope Now was contacted to no avail. 
Homeowners were dual tracked repeatedly. 
Libor rate is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Consumer Portfolio Services, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2020 my car was reposessed from my home XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Wa. XXXX which is in a gated community, the gate which is open from XXXX to XXXX. the repo company came at XXXX which means they had to follow someone that lives in my apartment community to unlock the gate. It started back in May I fell behind in my payments and was waiting for my back unemployment payment. I was communicating with XXXX XXXX via email and she stated that if I make two payments they would put the repo on hold she never mentioned that the payments had to be together, in between time I was in communication with Mrs. XXXX, letting her know that I would be paying soon or that day in hopes my direct deposit would hit my account because my unemployment claim was finally fixed and approved. Even though we were in constant communication she still called and harrassed my friends and family. On XX/XX/XXXX, XXXX and the XXXX Mrs. XXXX called my son 's phone and left detailed messages about my account, about the car being placed in reposession and I need to give them the car back. My son saved these messages on his phone. My son doesn't need to know what is going on with my account, he is not on the car loan. I made a payment the end of XXXX and the beginning of XXXX. 
The end of XXXX I started receiving calls and emails from consumer portfolio saying that if I didn't make another payment they would put the account back into reposession, I let them know I couldn't make payment for a few weeks and mentioned my conversation with Mrs. XXXX about putting two payments to the back of the loan to get the payments current. They acknowledged the conversation and said we need two payments together which was never mentioned before. They said I had until XX/XX/XXXX to make a payment or the car was getting sent to repo collections. They came and got the car XX/XX/XXXX in the early morning hours. 
Today XXXX first I received a certified letter saying they are going to sell the car. The letter head says XX/XX/XXXX. I changed my address to a P.O Box in XXXX which I have statements from them with that address on it they were sending the certified mail to my previous address. I received it today with a XX/XX/XXXX date. The car is going up for sale tomorrow XX/XX/XXXX. 
At this point I don't know what to do. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Thank you for your support in monitoring our wrongful foreclosure case that was brought against us by AHMSI/Homeward Residential/Ocwen/XXXX. Ocwen has never planned to help our family even though we never defaulted on any of our HAMP payments. Ocwen has continued to refuse to drop the foreclosure against us so that we can work directly with Making Home Affordable Escalations and the CFPB. Ocwen moved for summary judgement against us over the holidays proving that Ocwen has no intention of helping us. XXXX/Ocwen stated that we have not given any proof that our loan is a part of the Ocwen National Mortgage Settlement when we are clearly the poster child of why the settlement happened in the first place. We have never wanted a free house and Ocwen is forcing us to continue to incur substantial legals fees instead of settling with us and having the money go to the true investors of our loan. Please continue to monitor our case to insure justice and fair treatment. We want to settle as soon as possible XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is held with Umpqua Bank. Formerly, Sterling Bank. Since the time Umpqua took over all Sterling clients and loans, my mortgage payments have been messed up. In XXXX 2015, as I normally do, I mailed my mortgage payment, it was cashed by Umpqua Bank on XXXX/XXXX/15, ( proof of the payment is available and was sent to Umpqua Bank ). Then in the beginning of XXXX I received a call and mail from Umpqua Bank stating my mortgage was XXXX days behind and they sent me loss mitigation paperwork. Not knowing if they were accurate, I authorized XXXX immediate payments. I then went home to research whether or not I made my XXXX payment and found out by my records and my XXXX XXXX that not only was my payment made, it was cashed. I immediately phoned Umpqua Bank back, they asked me to fax a copy of the check, which I did on XXXX XXXX and they would get back with me. By Monday XXXX XXXX, no one had called, so I called again. I was told redirected to XXXX different people, I was told they were working on figuring out the issue and because I was a former Sterling customer, they would take up to XXXX additional days to resolve. To date, I have made a total of XXXX payments since XXXX, they have no resolution and they have derogatorily affected my excellent credit. I was told this was happening to many Sterling customers and there was nothing they could do. I provided proof and have NEVER missed a mortgage payment. I believe they have violated numerous laws and I feel as if NO ONE is protecting us from this bank. I would like to have this entity step in and resolve these issues, get refunds for me and other borrowers affected as well as correct our credit reporting. I do believe if I do n't get resolution, I will hire an attorney. Fair Credit Reporting Violations, Misappropriation of customer funds and an inability to have accurate accounting of my mortgage payment and reserve account are all things that I have been advised are part of the Consumer Protection, are n't they?? 
PLEASE ADVISE WHAT THE NEXT STEPS ARE AND WHAT WILL BE DONE FOR RESOLUTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19
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:
There are multiple accounts on my credit report that are not mine

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 2021-06-19
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
A compliant was filed with the CFPB on XX/XX/2021, pertaining to this company violating the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with Ocwen Mortgage, Loan # XXXX since XXXX ( been a homeowner since XXXX - NEVER made a late mortgage payment EVER ). In XXXX I applied for and received a HAMP loan through them. For the past year I have made multiple calls attempting to get the {$5000.00} I am owed for paying my mortgage on time which I should have gotten after the XXXX ( XXXX ) or XXXX ( XXXX ) year, which was part of the deal. I have my mortgage deducted automatically every month on the XXXX for the current month ( so XXXX XXXX was deducted/paid on XXXX XXXX for instance. ) I have gotten a constant run around from Ocwen. On XXXX XXXX, XXXX I was handed over to escalation manager XXXX, XXXX, who assured me I would receive the {$5000.00} against my principal by XXXX. When I called back on XXXX to see how everything was going, XXXX had left the company and I had to start over. I spoke with XXXX, XXXX, who escalated my case to the Concern Department. On XXXX XXXX and I spoke and he guaranteed I will get my money - he just needed a few more days to research. I had to call back over and over - sometimes he returned my call and sometimes not. Today - XXXX, at XXXX CT - he told me that I paid my mortgage late between XXXX and XXXX so I would not be getting the {$5000.00}. I asked how that can be when I have it automatically deducted each month. He would n't listen and said I would get a letter in the mail. If you look at the documentation I will attach you will see my mortgage payment is taken out every month on the XXXX ( statements show a day or two later for it to clear ). However, if you look at the transactions they have on line ( also attached ) it will make your head spin. They clearly applied and then deducted/suspended many many times over the payments I made. And now they have sold the mortgage to XXXX XXXX XXXX so I am stuck between the two. I 'm hoping you can help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
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: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I need assistance with getting incorrect information removed my credit file. 
I have sent certified mail to all XXXX credit bureau and reporting agency and have been unsuccessful. 
1. Inquiries- un-authorized2. collections account I want proof with my signature establishing/bonding me to a contract of such said debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Upstart Holdings, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
UPSTART please remove the application and supporting documents from your system as I decided I do not want to get a loan. I ask that the company Upstart to stop using my tax return information to solicit my children, my husband, and my family to apply for loans with UPSTART as we are not interested. 
The company UPSTART did not resolve the issue because they did not answer the issue. This company disregarded a request to cancel my loan application. This company has used personal information from my application supporting documents and issues a loan request to my children who are listed on the application. I do not want a loan with UPSTART I am requesting that they remove my information from their system because of their unsafe handling of individual personal information as they were in a lawsuit for this problem. I want them to stop contacting my children for loans and stop using my canceled application to allow others to solicit me for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Credit determination

Complaint:
On XX/XX/XXXX, I applied for BBVA Compass XXXX XXXX XXXX ( XXXX ) Card and to my dismay received a message that said " Your application for a BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card has been received and is currently under review. A BBVA Compass Customer Service representative will contact you soon to complete your application. If you have any questions, please call our Customer Service team at XXXX ( XXXX ). Please reference Application ID XXXX. '' I promptly contacted BBVA Compass by phone on XX/XX/XXXX and XX/XX/XXXX about my request for a new credit card product from the bank and was told it is pending review. I have been a banking customer with BBVA Compass since XX/XX/XXXX, I have a checking, savings, line of credit and an existing credit card account still active with the bank. The reason for this complaint is that, I have been lied to by BBVA Compass on my recent request, they are participating in a deceptive practice with their banking products. They have provided me an erroneous excuse as to why I could not be approved for the XXXX XXXX XXXX ( XXXX ) Card. They indicate on the denial letter that they were unable to verify my identity, however they have not done their due diligence to verify it was I that was making this request rather I have been proactive in contacting them and proving to them my identity. I have recently reviewed my credit file and found that BBVA Compass requested my credit report from XXXX on XX/XX/XXXX and has placed a hard inquiry. Since BBVA Compass is claiming the reason they could not approve my credit request is because of their incompetence in verifying my identity, I would need this erroneous hard inquiry on my XXXX Credit Report removed within 30 calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-24
Company: Duncan Solutions, lnc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Account Management, LLC, a debt collector for the Delaware Department of Transportation is frauduently attempting to collect the same alleged debts under unique and separate account numbers in an effort to double charge me. Furthermore, the alleged debts are not valid and I have disputed their validity countless times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: CREDIT CONCEPTS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There is an issue of the company pulling my credit report every 2 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: JPMORGAN CHASE & CO.
State: NJ
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 have this items that does not belong to me and i want it to be remove from the 3 reporting agencies.

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief