BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2010, we applied for a conventional refinance of an existing loan with Wells Fargo and received a loan disclosure statement which contained the terms and conditions of the refinance loan. 
Within the required three-day rescission period, we sent a written notice of rescission to Wells Fargo by overnight mail, requesting to cancel the refinance loan. This notice of rescission was delivered to Wells Fargo as confirmed by the United States Postal Service and the postmaster. 
Wells Fargo failed to honor our rescission request within the required twenty-day period. 
Instead, Wells Fargo instructed us to continue making payments on what we believed was the original loan, pending Wells Fargos response to the rescission request. 
We complied with these instructions and made payments on the what we believed was the original loan for approximately two years.

During this time, we repeatedly contacted us Wells Fargo by phone and by mail, demanding a reply to the rescission request and an explanation of the status of the loan. We never received a response.

Upon advice of one of Wells Fargos mortgage specialists, we stopped making payments on the original loan, as a prerequisite for applying for a loan modification. 
Unbeknownst to us, the original loan had been extinguished by the new unapproved loan. This was not a conventional loan it was a modified loan. 
We agreed to a loan modification document with a trial payment plan, which required three monthly payments, but unbeknownst to us this process was not even possible because a modified loan could not be modified again so these trial payments were merely illegal debt collection tactics.

We made two payments under the trial plan but stopped making payments when Wells Fargo refused to provide any details of the new loan or confirm that Plaintiff qualified for a permanent modification.

In at least three instances Wells Fargo informed us through the XXXX Mail that we were never qualified for a loan modification because the conventional loan we thought we were getting was actually a XXXX  loan, ( therefore non convention and already considered a modified loan ). This was NEVER disclosed. 
Wells Fargo never recognized or acknowledged the rescission request or refunded any of the payments that we made on the new loan.

As a result of Wells Fargos actions and omissions, we have suffered actual damages, including but not limited to : negative impact on credit score ; physical health, emotional distress ; and attorney 's fees and costs.

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 2023-11-02
Company: EQUIFAX, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 reported delinquency in XXXX to all credit bureaus while on forbearance causing a large credit score drop. A dispute was entered to all credit bureaus for corrections in XXXX being provided an expected resolution in XXXX. Negative reporting was removed however the amount of credit score deduction was not honored at the same value for credit score correction. I was informed by all credit bureaus that they had no control of the amount adjustment and there was nothing that could be done to rectify the issue. However directed me to the loan servicer which with the situation at hand has not been available to reach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, THE BUREAUS 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 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 2015-04-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was purchased by Ocwen in XX/XX/XXXX during a Short sell. Ocwen was taking so long to agree to the terms the buyer changed her mind. We had other buyers but no agreement was ever made. It is now XX/XX/XXXX and since then my property has been vandalized and all of the plumbing was stolen. I have asked them to foreclose or allow us to give the home in Lieu of foreclosure. Ocwen had declined both. I just want closure I have tried to short sell the home but unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
There are multiple fraudulent hard inquiries reporting on my credit report that I have filed IDTR 's on and sent to Equifax. I sent the certified mail on XX/XX/23 and XX/XX/23 to have these removed, and they are still not complying. Due to these hard inquiries, they are disabling my opportunities to receive credit, and I am unable to get help from credit agencies. They are violating 15 USC 1681, 15 USC 1681a ( e ), and 15 USC 1681b ( a ) ( 2 ).

I have provided both certified letters that were sent and signed for.

I demand compensation for the violation of my consumer rights amounting to {$10000.00} for the amount of time and opportunity that Equifax has taken from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I have XXXX payday loans and my hours at my job were cut so I contacted XXXX relief to consolidate my loans/ I just did n't want to not pay them so I set up an arrangement to pay them through the debt consolidation company. they were receiving their payment out of the payment I was making to the debt consolidation company. They still debited my account I was back and XXXX with the bank. Even Though I was still paying them Credit box LLC and XXXX were still debiting my account even though I stopped payment with my bank they would then debit the account for a different amount on a different day. They even went as far as harassing me everyday and calling my job to verify my employment. After that I was shortly fired my job said it was for another reason but it happened the same day they verified my employment. I was able to get unemployment but I am unemployed and they are still harassing me everyday and I have the phone records to prove it. I tried to do the right thing but in the end they caused a lot of heart ache and pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2017-01-25
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I worked on a refinance out of an OCWEN loan in to a new loan from loan Depot since XX/XX/2016. As the process neared completion XX/XX/XXXX, OCWEN has now refused to endorse the loan to a new lender and will not provide allonges in order to complete the process. Quoted response from Ocwen here : " I 've been advised by our legal counsel, that it is legally valid to prove ownership, and I have been instructed not to provide any allonges in case such as this one. I understand the lenders concerns, as I have heard this from a number of other lenders, however this is our position, and it is not negotiable. '' We are now told that the approved loan that has been delayed for months is set to expire in days with no rationale from OCWEN on why this is an issue at all as it endorsement it or allonge is standard procedure. I have asked numerous times for an update but have heard nothing from OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not my accounts. I don't have a contract with this company, nor have I ever even spoken to this company.

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 2023-03-15
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted the company on XX/XX/2023 regarding an alleged debt which has been furnished to XXXX XXXX, XXXX, and XXXX, that is damaging my credit worthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I contacted the company and spoke with XXXX in Texas to resolve the matter ; and during the conversation she used obscene and profane language to abuse me. I mentioned that I sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act and she admitted that it was received in Mid XXXX. Unfortunately, I have not received any correspondence by US Mail. The company is in default and has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen - XXXX XXXX - Consumer Ombudsman 's Reply to Complaint # XXXX She states payment of {$24000.00} RECEIVED on XXXX/XXXX/15 " satisfied XXXX/XXXX/15? Payment & coupon were for XXXX 2015. She says the CHECK was returned " NO ACCOUNT '', NO DOCUMENTS attached. Ocwen 's Payment Reconcilliation History shows NO XXXX PAYMENTS RECEIVED, POSTED, or Suspense Balance. She said a {$100.00} fee was for default. MY LOANS have NEVER been in Default. Ocwen FAILED to POST PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Any 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 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 2017-01-26
Company: AmeriCash Holding LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
AMERICASH LOANS SAYS THEY HAVE STOPPED CALLING MY WORK PER CASE # XXXX. THIS IS A LIE BECAUSE THEY CALLED MY WORK AGAIN TODAY, CAUSING ME EMBARRASSMENT FOR THE 5TH TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I originally submitted a claim through the CFPB for the same purpose. In the response call, the Bank associate who handled my case did not adequately address my concerns. She only discussed the denial of a credit limit increase. I am concerned, however, that the way that the credit card application was presented to me was misleading. It was shown that I would have an opportunity to transfer a balance to this card for a certain period of time and that the balance transferred would be subject to 0 % APR financing. During the application, there was a question which asked me what amount I would like to transfer, and I indicated that I wanted to move about {$10000.00} to this card. After about 45 seconds, I received a decision from the online portal that the card was approved with a credit limit of {$500.00}. Now, I have a card that I didn't really want in the first place to which I can't even transfer my balance from another card ( as suggested in the advertising ). I am arguing that the language used in the advertised offer was intentionally deceptive and was used to coerce me into opening the 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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Their investigation didn't fix anything, all the inaccurate, misleading errors are still on my credit report..they have violated my rights!!

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 2022-12-13
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX 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.

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 2023-12-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Around the time that I turned XXXX XXXX XXXX on XX/XX/2020, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX  years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This complaint is for a knowingly false statement made by XXXX XXXX - Customer Relations Specialist for RightPath Servicing. 
XXXX XXXX falsely represented the insurance coverage, or lack of, as described in the borrower provided master policy proof of insurance. RightPath Servicing has initiated foreclosure based on this false claim. I have provided a side by side comparison of the HOA master policy insurance coverage provided by the borrower and a copy of the HO6 insurance, LPI, purchased by the lender/servicer. As you can see, the HOA master policy exceeds the coverage purchased by the servicer in the form of an HO6 policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Early Warning Services, LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per The FCRA as a Federally Protected Consumer, I am Opting Out of any and all Authorizations that I The Consumer may have given you written, unwritten, or verbal, and non-verbal. The law says it is Illegal to report XXXX history. 
Per 15 USC 6801-6805, PER 16CFR313, Per the Privacy Act 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been waiting since XXXX for Dispute XXXX to be resolved and on XX/XX/2023 XXXX responded to the chargeback request and money was returned to Chime but wasnt made available to me. When inquiring about the missing funds for the approved transactions thats had be charged back and the documentation for Dispute XXXX that they reopened and closed again on XX/XX/2023 after I sent further documentation showing I couldnt have made the charges they closed my account with no explanation and didnt provide any of the requested documents.

Company response to consumer: Closed with monetary relief