BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen loan service LLC. I am trying to get a lone modefaction with Ocwen from XXXX, every year i send them money for 6 months, after that they told to reapply. from thaat time to XXXX XXXX. they tole me that i was owen over XXXX. i keep trying with them, XXXX of XXXX they told me my nodefaction was a prove. They told me to send three months payments, and second week in XXXX i will get my loan modefaction. theXX/XX/XXXXXXXX came and did'nt received, i spoke to them, they told me to send out the payment for that month, which i did. XXXX is here, i call them they told me they are sending the papers for me to sign, and it have to be in there office by XXXXOn the XXXX i call them and told them that i did'nt received, any paper work, my modefaction don'n worry he is going to email it to me which i never receive. i receive the paper work on XXXX which i sign a and return it express mail, when i spoke they told me my modefaction was denid. when i spoke to my manager again ehe told me to send out two payments then i will get my modefaction, i told them no i am not sending no more payments, on till. i get my modefaction

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 2020-10-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid 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:
XX/XX/2020 Discover it Secure Credit Card, issuer of the Discover Card, at XXXX. XXXX XXXX, XXXX, DE XXXX. 
Discover it Secure Credit Card Dear Discover, I would like to ask you to reconsider my Discover it Secure Credit Card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the Discover it Secure Credit Card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the Discover it Secure Credit Card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the Discover it Secure Credit Card so I can prove to you my reliability and loyalty to this institution. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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 belongs to someone else

Complaint:
I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. 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  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. 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  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.

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 2017-12-08
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that  state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please substantiate your claims regarding information XXXX XXXX XXXX #  XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX   XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: NE
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:
Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent XXXX XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.

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 2017-12-08
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
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:
In the middle of XXXX I requested a loan modification, due to getting hurt on the Job and I started to receiving XXXX benefits. I went through the trail period and successfully completed. According to Quicken loans I was late for the Month of XXXX XXXX and XXXX XXXX. Which was not true, They instructed me NOT to pay for those two months, and the proof are in the recordings. Please instruct Quicken and Loans to please provide all phone recording from XXXX XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: MD
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:
I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: TN
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 in the process of trying to close on the purchase of a home for me and my family and by some means or another Equifax have applied dispute comments on one of my accounts listed on my credit file. I have been calling Equifax repeatedly to try and resolve this issue by removing these comments to no avail. I have been transferred to the XXXX department for escalation about this matter on numerous occasions with no success. Today was suppose to be the end of my last 72 hour period for these dispute comments to be remove and I am about to begin being charged for extensions provided to me by my lender. I am disappointed that it has taken weeks and still to wake up to no results and broken promises. Below, I have listed some of the dates, confirmation numbers and people to whom I've spoken with about this matter. 

Account- State of TN Docket # XXXX or Equifax Account # XXXX ( listed on their website ) Beginning on the XX/XX/XXXX up unto XX/XX/2019 I have received confirmation # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Names of individuals that I have been in contact with including supervisor 's include : XXXX, XXXX, XXXX, XXXX, XXXX The last person I spoke with was XXXX who is a supervisor within the XXXX department who provided me with confirmation # XXXX and promised me on XX/XX/2019 that the comments would be removed in 24 to 72 hours. 

The comments listed state that this account is currently being re-investigated which the delinquencies reported on this account is inaccurate. I have visited my local child support office and they have informed me that no delinquencies have been reported on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: NC
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:
I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, Transunion has been reporting erroneous information on my credit report and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Transunion. Transunion has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Transunion. I presented this information to Transunion and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 


My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.

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 2019-01-28
Company: EQUIFAX, INC.
State: NC
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:
I was XXXX from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being XXXX I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.

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 2020-10-10
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recieved an artificially stamped envelope in my mail. No date. Stated : 'PAID -pci ' Debt Collector Name : Universal Recovery Corporation Apparent Creditor : Deciding to keep name private, since U.R.C may keep track of their accounts based on false Creditor Names. ( " The Creditor '' has an incredibly sketchy website ). So does Universal Recovery Corporation. Even XXXX told me to LEAVE THE SITE!! I have screenshots. The creditor claims to be an XXXX XXXX XXXX. I've never used them. I've only been with mainstream auto insurance companies. 
The reviews on XXXX for Universal Recovery Corp, are horrific, and the responses from the company is horrendous and in no sense professional for a " debt collecting agency ''. XXXX XXXX, is the appointed Supervisor, who has poor customer service reviews as well, and in her letter, she stated .. '' as required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. " This whole notice says FRAUD!! The reviews say FRAUD!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a normal monthly payment to XXXX XXXXXXXX on XX/XX/2019. This payment was not processed as a normal monthly payment. Instead, this payment was applied towards my principal. My next payment is not due until XX/XX/2019. 

I was not informed that this amount would be applied entirely to my principal. Furthermore, the payment breakdown shown on the payment page showed the breakdown of principal, interest, and escrow. I have now been on the phone with Ocwen for over an hour trying to speak to a supervisor. My account is pre-paid and I do not have any outstanding late feed. 

I am pretty certain Ocwen 's payment processing vendor and website are just out-of-step with one another. However, I do not think Ocwen can apply my payment in a manner different than what was displayed during my payment processing. This is a terrible experience. I have had numerous problems with Ocwen. 

I have images which I will send to the person who evaluates this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: JPMORGAN CHASE & CO.
State: IL
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

JPMCB CARD Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

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 2021-03-31
Company: Sequium Asset Solutions, LLC
State: FL
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:
A collection agency named XXXX started reporting a {$140.00} collection account on my credit report from XXXX. I contacted them and let them know that I already paid this bill through another collection agency, so they never should have reported it. However, all they did was update their account listing as paid. Its still on my report. Since I paid this debt through another collection agency before they even got it, there is no reason why they should have reported this account and my credit report, much less continue to report it. And now their refusal to take it off of my credit report completely, continues to baffle me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation