BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I obtained a second loan for {$50000.00} on my property at XXXX XXXX XXXX, XXXX, California XX/XX/XXXX from XXXX XXXX XXXX. The length of the loan was for 120 months. I have attached a copy of that document. At some point the loan was sold to Ocwen Loan Servicing. I continued to make payments and was never late. In XXXX of this year, XXXX, I asked for Ocwen for a payoff quote for the loan. On my statements it showed a principal balance of {$410000.00}. I received a payoff quote of {$8700.00} cents. I asked why was the payoff amount was so different from the balance it showed me owning and I was told that when Ocwen took over the loan from XXXX XXXX, XXXX XXXX had failed to calculate the correct monthly payments so I owed the difference. I wired the payoff amount of {$8700.00} to Ocwen, on XX/XX/XXXX. ( see attached copy of the wire transfer ). I received a letter from Ocwen XX/XX/XXXX, ( see attached ) stating the loan was not paid in full because of the before mentioned issue with XXXX XXXX and actually I owed an additional amount of {$7100.00}. 
I don't understand how this is possible to go from a balance of {$4100.00} to owning over {$17000.00}. I never received a statement from Ocwen stating I owed this amount until I paid off the loan. I made a good faith payment of the payoff quote I received in XXXX. Please investigate Ocwen. I had asked for a explanation of these additional charges and was verbally told someone would get back to me. As of today, I have not heard from Ocwen. 
I have attached copies of my XX/XX/XXXX statement showing a avg daily balance of a little over {$4000.00}. My XX/XX/XXXX statement showed the same avg daily balance. Now XX/XX/XXXX latest statement is showing an average daily balance of {$10000.00}! That has to be an error, when Ocwen is now saying I owe {$7100.00}. 
They also appear to have changed and falsified the payment history which is different from the account history I had seen when I was making monthly payments. There was NEVER a balance of over {$17000.00} showing in XXXX. This balance was never reflected on my credit report or on any other documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I knew we were behind, and I 've been working my tail off to get caught up on our bills. So, on XXXX XXXX, XXXX I called Quicken to make a mortgage payment and was told at that time they needed " 2 '' payments. Well I only had one. So on my next payday, XXXX XXXX, my wife XXXX called to make a double payment and she was told they could n't accept two payments but would need the entire past due. Well, obviously we did n't have it. So Quicken sent me an " Application for Success ''! We filled it out and emailed it back, the guys name was XXXX XXXXXXXXXXXX. All this was done on XXXX/XXXX/XXXX. 
At XXXX on XXXX/XXXX/XXXX XXXX XXXX called me at home and said they need the entire amount past due and that we do n't qualify for any of their repayment programs. We 've surrendered a vehicle already, and will be the second one at the end of XXXX, XXXX. I wanted to make sure we had enough money to pay the regular mortgage payment plus the repayment amount. 
Now am told they will only accept the full past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Mortgage compnay transferred my mortgage to another compnay after they trasferred my mortgage they changed XXXX XXXX XXXX and XXXX CURRENT STATUS to PAST DUE.??? 

this is incorrect the mortgage payments were not late and they have no right to change status from 10 months ago!!!

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 2020-07-14
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called First Progress on XX/XX/2020 to confirm that I didnt have a payment due.I noticed the amount due changed right before the due date. The representative, who didnt give his name, stated that I didnt have a payment due the next day. On XX/XX/2020, I checked my account and noticed I was charged a {$2.00} interest fee. I have been calling them for the past two days and NO ONE will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a living real human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times. I demand these accounts listed below and inquiries be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX, 2020 XXXX - XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XXXX XX/XX/XXXX2019 XXXX  XXXX XX/XX/XXXX2015 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX, XX/XX/XXXX2022 XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a charge that XXXX XXXX charged me after I had cancelled my service and returned their cable equipment. This charge had already been disputed in 2015 and was removed from my credit report. This company XXXX XXXX XXXX ( ERC ) has posted this same charge again on my credit report twice this year. This has damaged my credit rating and I have been denied credit due to this collection status on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EOS Holdings, 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:
On XX/XX/XXXX I contacted XXXX directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act. 

This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed. 

XXXX  was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ). 

Within the allowed time, XXXX reported a response that the debt had been verified and would remain. XXXX and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ).

To this end, I am requesting the assistance of the CFPB to hold XXXX to task as well as the below referenced collections agency : EOS CCA XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX : {$8100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. XXXX, Equifax, and XXXX have reported accounts that are fraudulent from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XX/XX/XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for my XXXX medical health circumstance that caused me to miss payments I have been the past year from being hospitalized to XXXX back to back months of non stop XXXX XXXX XXXX and endless medical procedures to save my life, Id have an excellent repayment record if it wasn't for this condition. I made a mistake in falling behind, but since then, my circumstances have changed and ive improved your money management. Since then, I promise and commit to spotless record of on-time payments. 
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2021-11-04
Company: EQUIFAX, INC.
State: IL
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:
THE BUREAU IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGE DEBT IS CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2020, I received a check from my employer in the amount of {$1000.00}. I used my bank mobile app to deposit the check. I wasn't sure if the mobile deposit when through properly, so I contacted my bank ( XX/XX/2020 ) through their online chat and spoke to a representative. I asked was their a check in the amount of {$1000.00} pending. I was informed that there wasn't one pending. After I got the information, I decided to cash the check at a local PLS check cashing place instead of using the mobile app again. Later that day, the check that I was told wasn't pending, actually was, and deposited in my account. Now I have cashed the same check twice. I contacted my bank immediately and told them the situation, and I was informed the check that was deposited will be returned within 2-3 business days. 2-3 Business days pass and the mobile check was never returned. Friday ( XX/XX/2020 ), I called my bank back, told them the situation again, and I was informed the check should be returned in a few days.Then on Monday ( XX/XX/XXXX ) I get a call from PLS, the check cashing place I went to cash the check at, and was informed that I need to return the cash because the check " had been returned unpaid ''. I told them I would return the cash. I contacted my bank and informed them that I would be returning the physical cash to the check cashing place and no longer needed them to return the mobile deposit. I was told, since I'm returning the cash, no further action will be taken on my account and I don't have to worry about the money being taken out. Later that day, at XXXX XXXX, I returned the cash to PLS bank. Then later that same day, my bank took the money out my account as well, after telling me they wouldn't. Now I'm completely out of my check. I was informed by my bank, I need to get in contact with my payroll at my job to get a replacement check. I was informed by payroll that I can not receive a new check until the funds are returned to them, and on their end, the funds state " Paid ''. After two weeks of discussing it with my payroll and XXXX, we discovered that PLS Check Cashing Services processed the check and were paid. I contacted them this morning and told a representative from PLS the situation and I was informed they never received the money from XXXX, so they can't send the money to me, until they receive the payment from XXXX. But XXXX is stating the money was already paid out to PLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have contacted Experian in regards to two bankruptcies and a medical collection that are unauthorized unverified and or inaccurate. I reported these items in XXXX and followed it up here with a complaint to the cfpb. on XX/XX/23, it is now XX/XX/23 and they have not removed the items or responded here and is way passed the days in which to respond to the complaint and or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: LCO Financial Services, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Blue Trust Loans has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail ( XX/XX/2018 at XXXX XXXX ) stating that her name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXXXXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.

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 2021-11-04
Company: EQUIFAX, INC.
State: MA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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 have contacted XXXX XXXX XXXX  and Equifax. 
I have provided them both documentation stated that I have never lived at the address or received a card from this company. This negative information has not been updated.

Company response to consumer: Closed with explanation