BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current loan servicing company, PHH, is refusing to provide me with complete loan documentation that should be on file. PHH took over the mortgage servicing from Ocwen Mortgage services. The complete files should have been forwarded to PHH. I am requesting modification documents from the year XXXX showing that my XX/XX/20 loan was modified into 1 mortgage while with OCWEN. 
PHH is telling me to forward them documentation of the modification so they can research the issue. If I had this documentation, I would not be requesting it from MY mortgage servicing company. They are basically asking me to do their work. This is pertinent information that should be kept on file, regardless of the time frame it has been and that it the transaction was completed while with the previous servicing company. 
This is causing me a hardship as I am attempting to complete repairs on my home ( roof and HVAC ). These repairs are essential so that I can obtain reasonable home owners insurance. The agency that is assisting me with financing is requesting documentation that I do not have a 2nd mortgage any longer with OCWEN. 
I am kindly requesting your assistance in obtaining the proper documentation. 

Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Old Ocwen Loan number from 2nd mortgage : XXXX Current Mortgage acct # : XXXX PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ( Phone : XXXX Fax : 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 explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I filed a FTC report and submitted it with disputes to the credit agencies. The paperwork was not filed correctly and the disputes were not done correctly and I was not given copies of the verification process which is a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Affirm Holdings, Inc
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Dear Capital One, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/2023 for my credit card ending in XXXX and my Auto loan XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 
I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with a lender, which closed on XX/XX/XXXX of XXXX. I bought my home for roughly XXXX, and had about a 95 % debt to income ratio. This loan, rightfully so, came with Private mortgage insurance attached.

The loan was then sold to wellsfargo, who is my currently moratger, and whom I pay my monthly payments to. I am currently studying to become an mortgage loan officer, and with my recent education I learned about the homeowners protection act of XXXX, where I can submit an appraisal and if my debt to value ratio goes above 78-80 %, then by law, the mortgage company must take that new value into account and remove that PMI ( private mortgage insurance ). I have gone back and forth with wellsfargo regarding this PMI and the removal process. I got an appraisal done, the home appraised for XXXX, putting my loan to value at a 73 %! I informed wellsfargo, and they said they would not take my appraisal. It's ok, I thought, I didn't mind paying for another, as I should have ran that by them first. Then the next person I contacted to get the list of approved appraisers, said that the homeowners protection act does not go towards FHA loans. We hung up, and I thought I was defeated ... until I started reading more and more over the next few days. FHA loans do not have a PMI, they have an MIP ... I then called back to verify what type of loan I have and was informed it was indeed conventional. I asked about the homeowners protection act, and at this point was told that " in order to have your PMI removed by the homeowners protection act you have to have it in writing by HUD '' so of course thats where I was referred to HUD. HUD then next FHA ( which was weird, because again I don't have and FHA loan ), then CFPB and here we are. 

I just desperately would like some accurate information as to why I am unable to use my appraised value to remove my PMI under the homeowners protection act. I am so frustrated that no one, after months, is able to help me. 

I have paid my payment on time, since the day I took out my loan. Never missed a payment or been late. I make biweekly payments.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: TX
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding XXXX account # XXXX, which you claim, I owe [ {$2800.00} or my account was charged off {$2800.00} ]. This is a formal notice that your claim is disputed. 
XXXX XXXX  account # XXXX, which you claim, I owe [ {$3400.00} or my account was charged off {$3400.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX XXXX account # XXXX, which you claim, I owe [ {$8900.00} or my account was charged off {$8900.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$1400.00} or my account was charged off {$1400.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX  XXXX account # XXXX, which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$2100.00} or my account was charged off {$2100.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 













I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.
Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act (
including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2023-08-23
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection just hit my credit and IT IS NOT MINE! NOR was I ever informed or even had the chance to dispute and receive validation from this company. This is again NOT mine. Please help, they should have contacted me and I would advised them this is NOT mine please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The issue I have is with my bank Wells Fargo. 

XXXX XX/XX/XXXX : I made a wire transfer for {$1400.00} using online banking. Wells Fargo fee for Wire Transfers is {$30.00}. The money was promptly deducted from my account, but the transfer amount and the fee. The transaction shows as COMPLETED _ XX/XX/XXXX : The money had not arrived at my recipient 's bank. XXXX : The XXXX XXXX XXXX XXXX  XXXX. I called Wells Fargo and asked them for any information they could provide. They recommended I FILED A FORMAL CLAIM, so I did CASE ID NUMBER XXXX. They said I would hear back from the claims department. They also provided IMAD # XXXX. I gave it to my recipient for him to inquire at his bank. 

XXXX XX/XX/XXXX : Never heard back from Wells Fargo. I called again, after a long time waiting I got now new information on the claim. Wells Fargo said Claims usually take up to 10 business days to get resolved XXXX XX/XX/XXXX : Called again and again they had no new information on the case. Only the notes from XX/XX/XXXX. Not from XX/XX/XXXX. After almost 1 hour on the phone, they gave me more numbers to see if we could track the problem with the other bank but did not offer any new information on their end. 
Confirmation Number : XXXX Transaction number : XXXX Reference number : XXXX _ XX/XX/XXXX : I was on the phone for a long time, talk to 3 different bankers all very nice, but none could give me any new information on the case after almost a month after the claim, no one had looked into it. At this point, I asked for a refund ASAP. They took note. I talked to XXXX, XXXX, and XXXX. They tell me for the first time that the recipient 's bank never got back to them. I ask my recipient to talk to his bank XXXX XX/XX/XXXX : Still nothing new in the case. Talked to XXXX from the Consumer Advocacy Ex. Service and XXXX. At this point, they tell me that they only can see that the transaction was completed on XX/XX/XXXX and they can not verify if there was a problem because

no one from the Wire Claim department has looked into it. I have a paper from my recipient 's bank stated they never got the money. I am told there is no way I can send that to Wells Fargo, that they will call to ask for more informatio
n.

They never called. 

_ XX/XX/XXXX : Called again, Talked to XXXX. No new information on the claim. They have not looked into it. Again I asked to have my money back. She said she sent an email to the wire transfer claim department directly and that they should be contacting me in few days. 

I am filing this claim and would take the steps to close my accounts with Wells Fargo.

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am currently in the process of buying a house in doing so I order my XXXX bureau credit report history and found that there are a verity of delinquent accounts and inaccuracies across all XXXX credit bureaus that is causing my score to fluctuate significantly and prevent me from being able to get a loan for a house. According to the Fair Credit Act 15 U.S.C1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
According to this law there should not be any damages on my report it is considered to be a deformation to my character.

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 2021-08-05
Company: BARCLAYS BANK DELAWARE
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XX/XX/21 for {$94.00} to a merchant company name XXXX and the put the wrong name on the shipping label and the box was given to a person with that last name XXXX this company my the error and the credit company which is Barclays on my Wyndham Reward Card my question is why am I responsible for this company mistake so I have to pay for an item I never received my case # XXXX & the company # is XXXX XXXX XXXX I also have the print out that show the wrong name on the shipping label please help me if you can I have more facts I can fax to you to prove my point. 
Thank you

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 2023-06-24
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was in the middle of floating on a river my mother ( also my XXXX  XXXX ) calls Me in a panic and tells me that someone from XXXX XXXX called and also stoped into the XXXX  and let her know that in 45 mins our power is scheduled to be turned off due to missed payment. Now mind you all our bills are on auto pay. She tells them XXXX  gon na have to have her daughter call them she tells me the number they called off and also the number I can call to make a payment This is the number they called from XXXX This is the number they told us to call back XXXX And gave us a ticket number to gave XXXX The guy that came in was just a normal guy with a XXXX XXXX shirt on. 


I called them they had the XXXX XXXX automated system sound and voice on their phone like they recorded it before. I argued with the guy about my bill he said he had to look into my file ect. Said I owed XXXX for two months and I had fees from being late.. 

Said I had to bill pay it online I had to Zelle itI did that. They tried to get more money out of me. I realized it was a XXXX scam. Started arguing with them they came out of character. Wouldnt give me my money back My bank wont do anything about it because I zelled it but its so messed up they were convincing. XXXX

Company response to consumer: Closed with explanation