BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been the victim of predatory lending. The original loan purchase was {$460000.00}. The loan was restructured in 2009 with two balloon payments. Now, after paying faithfully, no missed payments or refinanced payments, and 17 years later, my loan balance is {$500000.00}. The loan has been sold several times, all to lenders with predatory lending practices : XXXX, XXXX XXXX XXXX, Ocwen Loan and now PHH Mortgage.

The interest rate was an adjustable rate and is at 5.25 %. I can't even refinance the loan as my monthly payment will go up due to these treacherous balloon payment. I'm asking that the lender forgive the balloon payments ( {$210000.00} ). My mortgage balance should rightfully be {$280000.00}. I was a single mother and could not fight this issue as I was trying to keep a roof over their head. I hope you can help me.

I have every document from the inception of the loan. I just need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Wildhorse Financial Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I received the following text message. 
I have not applied for a loan with this lender or any lender. 

I do not know if they Ive done a hard pole on my credit report. 
fTheir website a website for gravity lending like it says in this text message. Ive never heard of them never applied for Long with them. Ive tried to call her number listed and and all I get is a recording that said we can not recall can not be completed as dialed. Please hang up and try again.. I dont know if they exist but Im going to monitor my credit report and make sure that theres nothing that was pulled and just be sure that I have taken her alone but I guess I just wanted to report this company or this lender I dont know Ive never heard of them, and they never replied for the them. I dont know if its scam or a scam. I dont know, but thats why Im reporting it. And I dont even know if Im reporting it to the correct office. Thank you. 


I will be closing your loan application and credit file out at this time. If you are interested in seeing how I can help you save money on this loan please feel free to reach out and I can re-open your application. I have many years of experience in this industry and as a financial professional. I work diligently for my clients and charge no fees. I can be working for you, while you're working for yourself. Thank you for the opportunity and I wish you the very best. - XXXX XXXX, XXXXXXXX XXXX Officer at Gravity Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Netspend Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I should have {$250000.00} on my all access card and none is put on there can you please tell me why can you please help me figure out why the NetSpend will not let me log in and the people that I call with the number or no help at all

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 2023-03-17
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A notice of cease and desist, as well as certified proof of contract was sent to Receivables Outsourcing , LLC on XXXX XXXX. However, they refuse to respond. Instead, they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Convergent Resources, Inc.
State: FL
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 requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA. 

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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:
This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2023-03-22
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Im refusing to pay this debt because of billing error and because of fraud and false deception of agreements and non didclosure and also no notice of right to recision of retail installment agreement dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Circle Internet Financial
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXXXXXX XXXX from my XXXX account to Poloniex at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Ford Motor Company LLC : # XXXX, has violated my rights. 

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information An other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX why are you serving the University XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru Direct Consolidation with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 Stafford Loans and {$7000.00} Perkins Loan from the University XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?

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 2021-09-27
Company: EQUIFAX, INC.
State: MI
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:
XXXX why are you serving the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru XXXX XXXX with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 XXXX XXXX and {$7000.00} XXXX Loan from the XXXX  XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Cash App account was hacked. Noticed that there was XXXX w/d from my Cash App that was linked to my debit card and ultimately my checking account. I reported the fraud to XXXX XXXXXXXX XXXX immediately and I reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied my claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. 
I tried to start the dispute process over with Cash App and the case is still not closed. I can not reach anyone for assist other that slow email back and forth. There is no customer service for Cash App other than email which makes it very difficult and slow to resolve a claim. 
This has been going on for months. XXXX  XXXX XXXX reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021 ; they state I should work with Cash App. 
Cash App would not assist me but now say they are working with our bank. 
This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. 
XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX. I need help with this dispute. I need Cash App to reimburse me the fraudulent transactions and I would like to close my account out afterwards and the customer service and fraud prevention is terrible. 
My email is XXXX and phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate.

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 2021-09-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint- XXXX Continued : Thank you for the referral to XXXX XXXX XXXX XXXX In addition thank you for holding Wells Fargo accounatble . 

More complaints : 1. 
Mr XXXX XXXX can be reached at : New Construction Specialist NMLSR ID XXXX Office : XXXX Fax : XXXX Mobile : XXXX He answered his mobile number. The loan that I started with WF is fruedulence from inception. Please address the issue with Mr. XXXX and provide recourse for the loan etc. 

2. 
I was in the action of restructuring my loan when the $ XXXX determination by CFPB was innitiated. Let the record show that I spoke to at least 6 employees of WF. No mention was made to the agreement of compensation to consumers. My losses from the restructure was coarsed and I suffered financial loss. 

3. The initial loan was on a loan to value balance that was not justifiable, and should not have been initiated. The stated appraisal value is not correct. I was forced to close. 

4. Please assist in providing a path to monetary compensation from Wells Fargo as delineated in the arrangement made by CFPB and Wells Fargo. 

Thank you, 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 explanation
Consumer complaint received 2018-08-16
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:
On XX/XX/XXXX I filed a complaint against Equifax ( XXXX ) stating that they were reporting information on my credit report that is directly related to the unauthorized and illegal use of my identity back in XX/XX/XXXX/XX/XX/XXXX. Despite my efforts to work this out with Equifax, providing them with substantial proof to support my position, Equifax has failed to rectify this situation. In the company 's response, they stated that they were able to confirm that the accounts were mine and that I opened said accounts. I, however, never disputed that the accounts were mine, yet in fact, I admit that I did open these accounts. The issue for which I am disputing is the transactions that were made on the account for which I DID NOT authorize. If a proper investigation is done, you will see that I did, in fact, call in and inform XXXX of the situation back in XXXX, I have documented this incident TWO times with the FTC, I have filed an NCIC report to document this unauthorized activity, and I sought legal action against the culprit. Yet, Equifax, XXXX, and XXXX have not been able to provide the evidence to support that it was I who made these transactions. Therefore, Equifax 's failure to block this information from my credit report is in direct violation of section 605B of the Fair Credit Reporting Act. So, in accordance with the aforementioned policy, I ask that these inaccurate items be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2022-12-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I originally registered my business with Experian business around XX/XX/2022. They did not put my correct business address on the credit report so I requested a correction while providing the correct address. Months later the problem still is not connected and showing an incorrect address. I am literally getting rejected with funding and loans due to this error of information. They are literally holding my business back from getting funded. I tried calling and their business 's support line does not work properly, the email instructions say for commercial relations click 6 so I do and the system does not recognize the input. I called the experian help desk and they said to click 3 at that phone number so I did but that doesn't work either. So I tried speaking with a supervisor and I've gotten hung up on 5 times. This is entire experience is completely unacceptable.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent over disputes to Experian and XXXX. The problem has been over 30 days with no resolution. 
Please Delete and Remove from my credit report 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 explanation