BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX to present paid out of my pocket my taxes that were due got bills in the mail. Paid over {$6900.00} dollars from XXXX to the present and they were suppose to be escrowed out of monthly mortgage payment from XXXX and never was being paid by my mortgage co. to find out that my monies went toward another customers loan at Ocwen and I was told this my managers at Ocwen. Emails history statements recd from Ocwen. I have receipts of all my taxes and I am requesting reimbursement of what I paid from Ocwen. They are giving me the run around. Several complaints against Ocwen see their website. I need help and assistance through this and I want to be reimbursed for all this money I Paid for my taxes that were suppose to be going towards my escrow account for my taxed to find out from the beginning XXXX my money was being applied to someone else 's account at Ocwen. Please help I have receipts payment history emails from mangers at Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I get 2 or 3 spam texts from capital one from an XXXX website and it's annoying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: VA
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:
XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPARTMENT OF EDU DEPT OF EDXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-10
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: Investigation took more than 30 days

Complaint:
XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-10-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
N accordance with the Fair Credit Reporting Act Credit Collection SERV XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: BANK OF THE WEST
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
XXXX XXXX XXXX XXXX XXXX wired {$250000.00} on XXXX through our bank : Bank of the West to XXXX XXXX Bank in XXXX XXXX XXXX, Ut through their bank : XXXX XXXX Bank, XXXX XXXX XXXX, CA. 
XXXX XXXX Bank did not receive the funds. Our Bank : Bank of the West put a tracer on the wire twice - No response XXXX. 
On XXXX XXXX finally admitted that they deposited the funds into someone else 's account XXXX their account number matched our tax id # XXXX XXXX 's account number was clearly identified on the wire. 
On XXXX XXXX told XXXX Bank that they had to contact the branch that had the wrong account and for them to contact the customer and ASK FOR THE MONEY BACK!!!! 
On XXXX XXXX told Bank of the West to recall the wire, which they did. 
Today - WE STILL DO NOT HAVE OUR {$250000.00}!!!!!!!!! 

Please help. I can be contacted at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Have reached to all parties disputes these accounts not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Made a purchase at Kohl 's in XXXX. Never received an email or written statement. They called yesterday to tell me that I had n't paid in two months and that I had the wrong email on file, However, I continue to receive emails regarding other announcements from Kohl 's. I have never been late on a payment for anything and this {$29.00} purchase is affecting my credit. My penalty was {$81.00}. I promptly closed my credit card with Kohl 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
After graduation it 's was hard to find a job. Went through forbearance program. One year later, still could not find a job ; my parents told me about extending terms ( which Navient offered them for my moms graduate loans ) from ten too twenty years which would lower my payments in half and make my monthly payments possible from XXXX to around XXXX. I call them up a week before my loans are due and the tell me I have to wait too my forbearance is up to discuss payment options ( which I found weird cause my forbearance was up AFTER the due date ). BUT I did n't know Their company, Their policy. So I wait till the appropriate amount of days, told immediately because its private loans they ca n't due anything and they have to forward me to collections. Collections answers, I explain the situation and they do the quote ( rough banking statement by asking me how much I make ) and tell me I can afford to make the payments, there 's nothing you can do. I asked about the term change and immediately get denied. I let them know I work full time hourly at XXXX and they tell me if I was customer service a year ago I would have advised you not to do forbearance ( making me feel like XXXX beacause I could n't find a job a year ago ). Needless to say I get help from my father to help pay for the payment for the month that had had a penalty charge for being late. 

Ultimately I am disgraced on how little Navient informs customers on what they want, either you pay or you ca n't right away. They should tell you immediately that they do not have repayment options or income driven repayment options immediately before you sign up. Also there website is confusing as all XXXX so you do n't know what your looking at just tons and tons and tons for words that can confuse the XXXX out of XXXX year old kid and his parents that are trying to get loans for there kids. 

Hopefully this can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Transferred money to the virtual currency service " Coinbase ''. After confirmation funds had been transferred to the service, access to the website was restricted stating ; " THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my money back. 

Funds were transferred XX/XX/2017. 
Funds were confirmed to be transferred on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.

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 2015-10-30
Company: Payday America Inc.
State: MN
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
A few years ago ( between XXXX and mid XXXX ) i took out a payday loan from Payday America inc in XXXX XXXX mn. I failed to pay the loan back on its due date but paid it during tax time around XXXX XXXX. I went in to the location i originally took out the loan with my mother, there they told me that everything was fine and rushed me off never giving me a receipt. from then on i kept receiving calls from collectors saying that i never paid and demanding that i do so. When i tell them that i have already paid, they call me a liar and usually would hang up the phone on me. i was threatened with a lawsuit last year in which they told me that if i did n't pay the fees would be greater. i freaked out and paid {$250.00} on a {$410.00} bill. Again no reciept when i requested XXXX they said it was in the mail and left it as that. I also informed them that i was going through a hard time financially and that i was unsure of when i could give them the rest reiterating that i had already paid this debt. now i just received another letter threatening to sue me for XXXX dollars. i am already drowning, attempting to care for my XXXX XXXX sister and my XXXX mother, as well as my XXXX children. i feel that they are trying to take more than they are owed and its not right, even when i made a good will effort to pay a debt that had already been paid off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Tranferred XXXX XXXX XXXX XXXX to Chase XXXX checking account from a XXXX XXXX XXXX. There was a reference number for XXXX given to verify the transfer. The bank put a hold on my acct. until funds could be verified. I received a email on XX/XX/XXXX, letting me know the hold had been lifted. I went to the Social Security office to verify they had the correct direct deposit for the money card and they did. The next time I tried to log onto to their website there was a message stating that there was a restriction on my account because of suspicious activity. I called customer service and wanted to know why was my account restricted and the representative told me to go to a Chase with two forms of ID to verify the account was mine. I presented my XXXX Drivers license and my Chase debit card. After doing so they still couldnt verify my account. I wasnt really told why. I changed my direct deposit information with Social Security so my check could come directly to Chase. A check in the amount of XXXX was deposited on XX/XX/XXXX, and returned. Then redeposited on the XX/XX/XXXX,. I am still being asked to verify that the account is mine. The bank told be yesterday XX/XX/XXXX, they were going to end their relationship with me on XX/XX/2022 and mail me a check for the remaining balance. I didnt understand why they had to wait until then or why mail the check if they wanted to end their relationship with me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a phone call saying they were with the student loan forgiveness program at about XXXX XXXX today from XXXX. The call said they were with the department of education at first it was a lady that said she just needed to ask a few questions to be sure I would qualify for loan forgiveness she asked me if I owed more than XXXX in student loans I answered yes she asked me if I was still enrolled in school I replied No and she asked me if I was currently working and who with I replied yes and the XXXX XXXX. She said okay I'm going to transfer you to my case manager so then a man got on the phone and he started to tell Me about the loan forgiveness program and I said ok how do I find out if I qualify he said first I need you email address which I gave to him then he asked my date of birth I gave that to him and he said ok thre is a code being sent to you to verify your phone number but I saw in the text it was coming from FSA and knew he was trying to reset my password so before I hung up I told him No that I knew he was trying to reset my password and I would be reporting this to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.

Company response to consumer: Closed with explanation