BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a business checking account with TD Bank XXXX XXXX XXXX XXXX which was FDIC Insured however due to my father passing I was out of country for 4 months upon my return I tried to log into my online account and was blocked I called and tried to do some transactions only to be told my account was closed. Yes closed on the public side but fully operational on the private side so it's quite unfair for my credits to only benefit TD Bank when I am the Entitlement Holder who is owed all Debts and Interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern, I am looking through my credit report file on XX/XX/XXXX I noticed some inaccurate information. The following information is inaccurate ... I never made any of the following. Was not authorized by me. 

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also have a Derogatory mark showing on my credit report. I was told this would be removed. I will send you a picture of it still being up on my report. This should be removed. Any questions feel free to reach out 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 2022-04-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Keep receiving calls from a caller id Americanexpress showing phone number XXXX ( XXXX ) XXXX unknown They say they are calling from American Express. I have repeatedly told them not to call me and that it can get me fired from my job and that if they can reach me by mail if they have something to discuss. Then I have hung up. Today XX/XX/XXXX at XXXX, they called, I told them again, he said " thank you for telling me this, but now that I have you on the line... '' and started to ask me identifying questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an XXXX year old woman with failing health I 'm on a fixed income and have tried for many years to do a loan modification with the lender Ocwen they always run me around and always deny it for no legitimate reason I was put in an option arm loan and it only goes up never down I need a fixed loan since I am on a fixed budget. Not an unreasonable request. I have gotten as current as possible with family support, I have been sending in my monthly mortgage on time for over a year and suddenly in XXXX 2017 they stopped cashing my checks and demanding $ XXXX to keep my home, I sent XXXX and XXXXl mortgage payment and they are just holding them and not responding to my constant requests for someone to help me with this situation. I do not want to lose my home I 'm desperate, they are as crooked as they come, very shady practices. The lender is Ocwen Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX my loan number is # XXXX my name is XXXX XXXX Home address XXXX XXXX XXXX XXXX, CA XXXX please help me they are causing me great stress and put an XXXX year old woman in the streets.
My monthly mortgage payment is {$2600.00} it just went up again it 's gone up 3 times in last year alone. I 'm drowning and they do n't care or help me at all, they always have an excuse not to talk to me, they say I need a letter of consent from my lawyer due to my bankruptcy but they asked the judge to be granted immunity from my bankruptcy and it was granted several months ago so they can deal with me direct but say no we need consent from your lawyer my lawyer has sent the consent multiple times, my lawyer XXXX XXXX, phone number XXXX in XXXX, California, they lie and say they have n't received it it 's been very frustrating I 've been trying for too long to correct this issue. All I want is a fixed rate loan so I can pay with peace of mind, the type of loan I 'm in does n't even exist anymore it 's a bogus type of loan.
My phone number is XXXX  thank you for any assistance good luck trying to get legitimate answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I finished a 2 year contract with XXXX and switched to another phone company where the balance was to be paid by the new company for making a change to them. The balance was sent to collections while I was unaware and they claim they are unable to delete the item from credit report even after I pay the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am a XXXX father struggling to correct my credit profile. I recently paid XXXX accounts in collections, and opened XXXX new credit card accounts for the XXXX time in years. My credit was that bad. Experian and XXXX worked with me and helped out huge, from deleting items that were not supposed to be on my reports, to getting back to me in a more than timely manner on other matters. EQUIFAX on the other hand, is doing the opposite. I 'm trying to remove a credit inquiry that XXXX XXXX inquired XXXX on me ( XXXX in XXXX days ), and since they are the same type and close in date, they should be deleted. Only EQUIFAX REFUSED TO DO SO. The other XXXX agencies did it on the phone, right then and there with a single additional question. They knew it should n't of been there. EQUIFAX, who I have called XXXX times in 2 weeks, speaking with XXXX people, say they are not removing it. This is absurd. How are these people in charge of our credit scores and reports??? I really need help with this, and little as it may sound to some, it is important to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hi, My name if XXXX and I reside at XXXX MD. XXXX.I applied for a mortgage modification Loan with Ocwen Loan Servicing in XX/XX/XXXX. During this process Ocwen has made me apply for this modification twice in the name of not receiving the proper documents they need. I have also complied email of documents with I have sent from both emails of mine. I have a list XXXX emails of documents that I have sent on more than two occasions on supposed missing documents. I believe on XX/XX/XXXX I spoke to a Supervisor not an account Manager name but a supervisor with the name XXXX who I expressed my frustration of the process to have n't sent documents over on everything more than three times times and also to make sure that I was not scheduled for foreclosure. He assured me that I i did not have a foreclosure date and that I soon as they have everything need I will not be scheduled for forcefulness until I am fully reviewed for a modification more especially since I have never applied and also have n't been fully reviewed. He made me send the documents again and he personally called me to let me know that they have everything and I will be reviewed for a modification. 
I recently received a mail from an law company advising about a foreclosure on my property. I was very upset a reached out to Ocwen. I spoke to a gentleman name XXXX with Employee ID XXXX who assured me that there was no foreclosure date set. He guaranteed me that, that should not happen. I called again days later after speaking to Ocwen representing counsel who stressed that I am scheduled for foreclosure on the XXXX of XX/XX/XXXX. I called Ocwen again and spoke to one from their Escalation team name XXXX employee number XXXX. Which again assured me that there is no foreclosure set date. H e promised to have a supervisor call me on XX/XX/XXXX, but I received no such call. It seems to me Ocwen is looking for a reason not to give me a modification and then take my house from me and my family. I will also attache the numerous email. Can you guys please hep me keep my house for me and my family. We make enough to qualify for a mortification but yet are not even getting a chance to be reviewed.I also had a prevoius complaint whith complaint number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company took all personal and credit application data and discontinued contact without explanation.

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been having a collection on my credit report the agency name is XXXX XXXX  XXXX reporting for XXXX XXXX. I paid {$110.00} in return for them to report the collection from my report. It is on my XXXX  and Transunion credit report. The collection has been on there since I put in a dispute in XXXX and I keep getting transferred to departments that can't help me. I received a letter from XXXX XXXX  XXXX on XX/XX/XXXX stating they would have the collection deleted from both reporting agencies. This is stopping me from getting approved for a house and it should be removed already.

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 2016-05-05
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have OCWEN Mortgage Servicing on my loan # XXXX In XX/XX/XXXX I filed for XXXX XXXX # and as XX/XX/XXXX it has finished Throughout the BK-XXXX Ocwen never sent me a statement I called a complained every month- to get confirmation on my payment Sometimes they would hold the payment more than 25 days I called a lot- Now that the Bankruptcy is discharge and finished - In XX/XX/XXXX Ocwen said I had been one month behind with another Servicing company- from that time I am now THREE MONTHS BEHIND every months its now XX/XX/XXXX- and keep making timely payment- even at a higher amount per their request- Last month I made TWO payment on for {$2800.00} the Contact Agent said to get caught up quicker send in another {$560.00} and it would make another payment as there is a Suspended Balance ( CREDIT of $ XXXX I make the Payment Collection calls every other day they can not find the payment or when I show it to them they say that is only a partial payment no a full payment That term with - XXXX ID # XXXX I can no longer get ahold of this contact XXXX- XXXX XXXX $ XXXX XXXX-/// -- -paid by wire transfer- # XXXX That pays for a Shortage?? In XX/XX/XXXX Payment- XX/XX/XXXX XXXX XXXX ID I transfer {$560.00} with XXXX on XX/XX/XXXX to The OMBUDSMAN XXXX XXXX XXXX TALK XXXX has been contacted from XX/XX/XXXX since I ( they tell me ) I am short one payment in the Bankrupted- now I am three The document 's that XXXX XXXX send to me are never the same - and the Collection Department never gets the information to stop calling me- What needs to be done is for an outside FIRM like yourself to help and assist me with Ocwen they have had the upper hand for way to long and I need some help now- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX,, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has been calling me making threats via robo calls. Company has threatened legal action. Debt does not belong to me. They claim to purchase debt from XXXX insurance. The vehicle does not belong to me. It belongs to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Credit Karma recommended I open a credit card with XXXX with an excellent approval odds approximately XX/XX/2022. I applied online and was not accepted. I called XXXX  and told them what had happened that Credit Karma recommended I apply. Since then I have deleted the Credit Karma app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NV
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:
EQUIFAX HAS HAD MORE THAN 30 DAYS TO SUPPLY STATUS OF MY DISPUTE WHICH THERE ARE MULTIPLE ITEMS CONTAINED IN THE DISPUTE CONCENING EACH AND EVERY DEGATIVE ITEM REPORTED ON MY LAST CREDIT REPORT. AT THIS POINT EQUIFAX IS IMPAIRING MY ABILITY TO PROPERLY CORRECT MY CREDIT REPORT & CREDIT SCORE, THIS IS CAUSING ME FINANCIAL INJURY ; AND THEREFORE EQUIFAX 'S ACTIONS AND/OR LACK THEREOF IS ADVERSELY AFFECTING MY CREDIT SCORE ; MY PREVIOUS COMPLAINT TO THE CFPB WAS FORWARDED TO EQUIFAX AND ACCORDING EQUIFAX WAS ALLOWED ADDITIONAL TIME TO COMPLETE THEIR INVESTIGATION. NOW EQUIFAX IS STILL LAYING AND REFUSING TO COMPLETE THE INVESTIGATION SAYING I NEED TO FURNISH " INDENTIFICATION '' CONSISTING OF A PAY STUB AND/OR A W-2 FORM AND OR A VALID SOCIAL SECURITY CARD WHICH I DONT AGREE TO PROVIDE AS I DO NOT CONSENT TO EQUIFAX USING MY IDENTITY NOR MY CREDIT CARD ; THEN EQUIFAX WANTS MY CURRENT ADDRESS ON A DRIVER 'S LICENSE AND/OR A RENTAL AGREEMENT OR HOUSE DEED, OR PAY STUB WITH ADDRESS AND/OR UTILITY BILL, I DONT HAVE ANY OF THOSE. I'VE SENT EQUIFAX A COPY OF MY BANK STATEMENT AS PROOF OF ID AND ADDRESS THAT'S ALL I CAN AND/OR INTEND TO PROVIDE TO THEM. AS FAR AS I'M CONCERNED EQUIFAX HAVE HAD AMPLE TIME AND INFORMATION TO DO THEIR INVESTIGATION, FURTHER DELAYS IN DOING SO WILL NOT BE TOLERATED ; I DEMAND THAT SINCE THE INFORMATION OR LACK THERE OF IN EQUIFAX 'S RESULTS BE UTILIZED AS IS, AS EQUIFAX REFUSES TO VERIFY THE INFORMATION ON MY CREDIT REPORT AS 100 % ACCURATE, THEREFORE I ACCEPT THAT EQUIFAX HAS CERTIFIED THAT NONE OF THE INFORMATION ON MY CREDIT REPORT IS 100 % ACCURATE AS EQUIFAX HAS FAILED OR REFUSES TO INVESTIGATE. WHEREFORE I DEMAND THAT THE CFPB REMOVE ALL NEGATIVE CREDIT REPORTING FROM MY CREDIT FILE AND ADJUST MY CREDIT SCORE ACCORDINGLY AND DO SO WITHIN 3 BUSINESS DAYS OR 72 HOURS FROM NOW IN ACCORDS WITH TILA ; FAILURE TO PROCEED AS I DEMAND WILL GIVE RISE TO CAUSE OF ACTION FOR A CLAIM AT LAW AGAINST ALL RESPONSIBLE TORTFEASERS FOR DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Mortgage Research Center, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My home was acquired from veterans home loans united and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX  XXXX veteran with XXXX  young children.

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 2022-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX there were 12 unauthorized withdrawals from our Wells Fargo business checking account. All were drawn by XXXX XXXX and tagged with the name of an individual in the transaction details. None of these were authorized transactions. The individual identified with the transactions is a former employee who separated from our company before the first transaction occurred. 

I contacted XXXX  XXXX in XXXX, XXXX when I noticed the first transactions and was told that the XXXX  XXXX account that originated the withdrawals did not belong to me or my business and that they could do nothing about it for me or give me any more information than I already had. I was advised that only Wells Fargo Bank could help me. 

I called the Wells Fargo Fraud Department on XX/XX/XXXX and was advised that there was little the bank could do but put a stop payment order on my account. I was told I had responded promptly and there would be an investigation of my claim and I should expect a refund soon of the amounts that were withdrawn improperly. On XX/XX/XXXX I called again to report additional unauthorized charges. They put another stop payment order on the account. I called on XX/XX/XXXX to report an additional charge and an new stop payment order was put on the account. I was told the original claim was still under investigation and I was given a new claim number. On XX/XX/XXXX I called to report a XXXX  unauthorized withdrawal. In that call I was informed that the claims I had filed were denied because I had not responded withing 24 hours of the transactions. Outside of that window Wells Fargo denies any claim as a matter of policy, I was informed. A new stop payment was put on the account. 

The total amount withdrawn over the 12 transactions without our consent is {$3000.00}. 

As far as we are aware the only payment that has been blocked by Wells Fargo 's stop payment orders was our own attempt in early XXXX to pay the balance on our own XXXX XXXX business card.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My home was acquired from XXXX XXXX XXXX XXXX and paid for at closing with my signature or the contract will be resented also discharged via 1099C through IRS to Corporation yes they double dipped and then sold my information to the XXXX XXXX XXXX XXXX XXXX which happens to be fraud and commercial mischief along with others very unfair to a XXXX XXXX XXXX veteran with XXXX  young children.

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 2022-09-12
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: Information belongs to someone else

Complaint:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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