BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought my first home in my early XXXX 's and was financed with XXXX. XXXX went out of business and I ended up with Ocwen. I recall during my application process an Ocwen representative coming to meet me in person. He was a XXXX  male with XXXX hair all combed backwards. I got a call once all my information was submitted to be financed and I was asked to change something on my bank statements by this individual so I could be financed. I said I didn't know how to do anything like that ; he then said he would do it. I get a call back days later that i'm approved and I signed for a 30 year term mortgage. I learn many years later that I'm in a 50 year term mortgage not a 30 year. Also my rate isn't fixed and I now pay over {$1000.00} more per month and the amount I'm paying per month is for a home double the cost of my home. I called Ocwen numerous times about this issue in past few years. I was referred to their affiliate XXXX to be refinanced but they will deny me over the phone and never provide written documentation of denial. I am the victim and fraud and predatory lending practices. I learned Ocwen has settled many of these claims but because I was living in other states in XX/XX/XXXX-XX/XX/XXXX I was never notified about this. Ocwen is presently giving me trouble with being paid for an insurance claim that I have sent them the check but they will not send me the money although all the repairs were completed. Presently I pay Ocwen about $ 4000/month for a home that was finance at XXXX. I would be willing to hire a forensic expert to review my documents to prove that fraud has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: NC
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 sent letters to all XXXX credit bureaus on ( date of XXXX letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since XXXX letter was sent ) and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: PA
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. XXXX and Equifax have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for XXXX and Equifax to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, XXXX XXXX XXXX Equifax XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to XXXX and Equifax. I am not including XXXX because they have removed the Data Furnishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was called about a {$60.00} credit card dept and was told i need to pay {$1000.00} i told them i dont owe your company anything my dept is with XXXX XXXX XXXX she then gave me addtiuted and would not let me talk and was hurassing me to pay the debt now or futher action would be required and she kept asking for my personal information i told her no she got even more threatning with additude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In summary, I was approved for a Deed in Lieu by both Nationstar and XXXX XXXX in XXXX, XX/XX/XXXX. The only item to be cleared was my second mortgage which had gone to collections and was taken over by XXXX XXXX XXXX. Working with Nationstar, XXXX XXXX and XXXX XXXX XXXX, they agreed to settle my account and release my lien upon receipt of payment of {$6000.00}. I was also approved for a Cash for Keys program in the amount of {$3000.00}. On XXXX XXXX, a check was cut out of my account and forward to XXXX XXXX XXXX. Nationstar DID NOT put any remittance advice with my check, and when XXXX XXXX called Nationstar and asked them the account the funds were for, THEY GAVE THEM THE WRONG ACCOUNT. ( Please see attached copy of the check, that IS NOT MY ACCOUNT INFORMATION. ) All Nationstar had to do was to request that XXXX XXXX Solutions Reapply the funds sent to my account. They never did!! For months, I went back and forth with the account representative that I was assigned, XXXX XXXX, who last told me via email on XXXX XXXX, " Good Morning XXXX, I apologize for the long delay, but I have not forgotten about you and have been diligently working on your case. We have provided all the informitao necessary to the second lienholder with explicit instructions on how to fix these items. I will follow up with them today and see where we are out. Thanks ''. 

I called XXXX XXXX XXXX, and my case worker there named XXXX XXXX who in turn told me they received nothing from Nationstar as far as instructions!! 

At this point, I am totally distraught. My situation is what it is due to nasty separation / divorce. I had to agree to a date to go back in my house for our settlement, remove all my items, hire a moving company that I paid close to {$1000.00} for, had to rent a storage unit that I paid way over {$200.00} a month for, threw away many valuable items as we had promised Nationstar that the house would be Vacant and in broom swept condition by XX/XX/XXXX. 

I have tried many many times to contact Nationstar. There are occasions that someone will respond, and then I get told that my situation is important, they take my matter seriously, even after I filed a complaint with the XXXX. On XX/XX/XXXX I received a phone call from customer service saying that once again be reviewed. I received a letter in the mail, again, stating that I will have a response by XX/XX/XXXX. It is now XX/XX/XXXX - I have heard nothing. This situation has caused me so much XXXX, I do n't understand how a company could treat any of their customers, the way they have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Three of the four credit reporting bureaus have failed to add/update my credit file with my mortgage, even though my lender, XXXX DBA XXXX XXXX, is properly reporting it every 30 days to all 4 bureaus. XXXX, Equifax nor XXXX have added my account with XXXX to my credit file. My mortgage account is appearing properly on my XXXX credit report. XXXX feels that it has done everything legally possible to get my trade line with them reinstated with the credit bureaus to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I ordered my annual credit reports in XX/XX/XXXX, and it says its over 110 pages long with several unauthorized credit inquiries and hundreds of addresses. Standardly my report is 4 pages. 

I wasnt able to get my XXXX report. 

I also did not receive monetary damages from the class action suit against XXXX for data breach and improper access of my credit information beginning XXXX forward violating the Permissible Purpose Law Code 15USC Code 16816.

I have mental health problems and will need help sorting out these many many pages of data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NM
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:
When I provided a copy of the FTC report, it was determined that XXXX and Equifax credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If they choose not to impede the following accounts recorded under that are responding incorrectly because of fraud. The following accounts need to be removed from my file : XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are being foreclosed on illegally by Nationstar Mortgage because none of our ( 12 ) payments were credited properly to our account by them ( even though the account number is correct on all our reciepts XXXX. We have submitted all the receipts several times by XXXX, fax and have all the delivery dates confirmed, and they have been stringing us along, taking their time 'researching ' the issue but with no result. Meanwhile, they have scheduled to auction our property on XXXX XXXX. 2015. This has cause us immeasurable XXXX, and to top it all off, has ruined our pristine credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent letters to all XXXX credit bureaus on ( date of XXXX letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since XXXX letter was sent ) and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-06-24
Company: CITIBANK, N.A.
State: NH
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:
On XX/XX/2021 my CitiBank credit card was used for a fraudulent {$1200.00} charge which Citi alerted me about, canceled my card, and said I would not be held responsible. After over 1 month and 4 phone calls to Citi the charge is still on my card and my account lists it as being settled and that I am being held responsible for the charges. This is despite the fact that every time I call the operator tells me that according to their system the merchant already refunded the {$1200.00} to my account, it just isn't showing up for an " unknown reason ''. I have called 4 times and have been told this every time, I've also been told it will be resolved in 4-7 days every time I have called ( which it has not ), I've been told it will be correct on my statement at the end of that billing period ( which is was not ), and 3 of the 4 times I've been told someone else has to look at it and I'm transferred to a phone number that hangs up after 2 rings. 

At this point Citi has made it clear that while they have recovered the {$1200.00} they are making no effort to refund it to my account, which sure seems to be some form of fraud or theft.

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 2023-09-19
Company: Affirm Holdings, Inc
State: GA
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: Problem with personal statement of dispute

Complaint:
In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for XXXX, XXXX XXXX and Affirm falsely in my name. I have never requested any cards or products if XXXX, XXXX XXXX or Affirm. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company AFFIRM INC in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO AFFRIM AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( XXXX, AFFIRM XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
XXXX an unethical collector for XXXX is knowingly reporting inaccurate information and responding to you with misleading responses to get you to close the complaint and they are getting away with publishing inaccurate information as a way to collect on invalid debts. This has to be stopped! They are reporting XXXX Account # XXXX and it has several inaccuracies because it is an invalid debt. I have attached a copy of another creditors response to this complaint that proves the Amount is inaccurate, They are reporting {$1700.00} for a account that XXXX says was {$610.00} and the dates are inaccurate it says 2 different opened dates XX/XX/22 and XX/XX/22 and last active date as XX/XX/22 and XX/XX/22 which makes the open date after the active date and I am saying the Debt is NOT mine because I have not lived at that address in 3 years so it is impossible for me to have a cable debt there from XX/XX/22 or XX/XX/22! This is willful violation of FCRA Statute 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 2015-08-06
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my property with Nationstar Mortgage. I signed the XXXX XXXX/XXXX/15. In the NOTE and the Settlement pages ; says that my firstpayment will be on XXXX/XXXX/15. By the ending of XXXX, I tried to pay onlineand I could n't find my account #. Immediately, I called NationstarMortgage and this was the time that was horrible, frustrated, exhaustedand wasting time I never ever had. After, I called loan officers, differentLoans Managers different Department, Closing Coordinators, ClosingCoordinators Managers and Loan team Leaders, ETC ... .Today 's dateXXXXXX/XX/XXXX and still NOT getting any resolution to this legal matter. 
The last DOC Nationstar sent me by E-mail says and asked me to sign a Doc fora new refinance that I did not authorized. 
See attach,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in an auto accident over 5 years ago and the remainder of my car note was put into collections. I called the company Flagship Credit Acceptance in 2021 in regards to my alleged debt and I was told they have no record of me ever having an account with them. BUT, whenever I check my credit report it keeps popping up as a charge-off and the debt keeps refreshing over and over again. This has severely affected my emotional and mental health and my quality of life. I am a XXXX veteran with 4 kids and I have been denied home loans, auto loans, and risk of unemployment because this debt/ charge-off was on my report. It grossly misrepresented my character ( 15 U.S. Code 1692e ) as an XXXX XXXX veteran of the United States XXXX. Now that I am a civilian, life has been very difficult trying to find safe and secure housing for myself and my children. My right to privacy and my personal information have been misused and abused ( 15 U.S.C. 6801 et seq ) How is it that when I disputed this debt it keeps coming back as " Verified and Accurate '' by XXXX, XXXX, and XXXX? Like who is verifying ME on My behalf?? And also how can they say it's accurate when they don't even have a record on my account anymore? Furthermore, the balances on the charge-offs don't even match! One says for XXXX, and the other says for XXXX! What is really going on?? I do have legal representation and will pursue this matter judicially if necessary.

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 2021-12-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XX/XX/2021 at XXXX, Moneygram accepted a debit to debit vVisa transfer from my domestic partner in the XXXX to myself in the XXXX in the amount of {$2000.00} USD. Their website promises the money is " usually available in minutes '' by this method, and their terms and conditions promise it within 4 days at the latest, barring force majeure. 
As of XXXX XXXX, this money has still not been received. They were contacted by telephone by both myself and my partner and the representative gave no information to either of us except to assure there wasn't a fraud hold and that they were not claiming force majeure. The representative offered to file a complaint that would be resolved " within 90 days '' ( more than XXXX times the statutory 15 days to respond to such complaints ). 
In the mean time, we are behind on our rent and the money has been taken from our account. Moneygram will not provide any further information, explanation, or help, and their lateness will likely put us out significant late fees. A demand letter sent to their customer service email was not responded to.

Company response to consumer: Closed with explanation