BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This property was being worked on by the former Servicer Ocwen Loan Servicing. 
The new Servicer PHH could not give us any information on this property, even though they told us that the loan number was going to remain the same.They could not find the property in their system. We received no correspondence from PHH. After continuously calling one representative took the time to research what we were telling them. He found the property but the Loan Number had changed from XXXX to XXXX We did not know that all of the work submitted on this home would not be recognized by the new servicer PHH. 
1. We sent a loan modification package at their request. ( took over 3 months ) could not use it! 
2.Ocwen requested XXXX A Family Transfer Package 3.Ocwen Requested - The Qualifying Assumption Package 4. Ocwen requested a new Deed All of this was submitted through XXXX XXXX @ XXXX optrion # 1 Ext. XXXX Fax : XXXX. 
We learned about the sale date on the property by a person inquiring about the property. We did not receive the 30 day notice informing us of the pending foreclosure sale. 
After months of submissions PHH, has no information on all that we submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Comenity Bank Card through XXXX XXXX. They keep lowering my credit limit for XXXX reasons. I have included correspondence asking for them to either raise my credit limit to the original limit or close the account altogether. They are refusing to do either. They have claimed that my credit changed when they lowered my credit limit after I made a payment. I have included a printout to show that as of XX/XX/XXXX there were no changes to my credit report. Their reasons why are fraudulent. I do not have too few bankcards, I do not have too many derogatory or delinquent accounts ( the accounts they are using against me are the other accounts I had closed because they kept lowering my credit limit to the point it was dragging my credit score down for the same reasons ), Not enough balance paid down over time, I can not keep up with the ever-changing credit limit, so I had no other choice but to close those accounts through Comenity. That is why several of their bank cards were closed. I have 19 inquiries from XXXX still sitting on my credit report. This not even be a factor. The one that gets me is the lack of real estate secured loans. Because of the games, they plan I do not qualify for a home loan. Why would not having real estate loans be a factor in lowering my credit limit? They claimed that they make contact with XXXX every month. How is that legal and fair? Why is my credit report on their radar? Why are they singling me out? Their credit practices are predatory and discriminatory. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We previously filed a complaint on this site requesting that Fifth Third Bank accept the short sale offer we had on our home. This was back in XX/XX/XXXX! Instead we have been caught in retention option XXXX. I have written emails to XXXX XXXX ( COO ) ; XXXX XXXX ( COB & CEO ) ; XXXX XXXX ( CFO ) and XXXX XXXX. The ONLY response I EVER received was from clerks who had no authority or power to make a REAL decision on our request. I was told this week by yet another clerk that my hardship application was discarded because the bank wants us to accept their retention proposal. We are NOT in the position to continue to pay this mortgage. Over this 10 year history we tried 8 times to refinance this mortgage. If they would have offered a serious retention option even 5 years ago we wouldnt be in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
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: Their investigation did not fix an error on your report

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2020 a medical debt of {$870.00} appeared on my credit report. I had no idea what this was pertaining to so I contacted the agency. I was advised the incorrect address was on file and since I did not receive bill notification the reporting would be removed and a payment plan could be set up. The account is still being reported causing a tremendous decrease in my score. Im willing to settle or pay in full with arrangements with a promise of credit report deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Navient Solutions, LLC.
State: TX
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 have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I contacted XXXX by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time XXXX  reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was mislead and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. XXXX  assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion, XXXX, and XXXX  are reporting incorrect information on my credit reports. There aXXXX XXXX XXXX XXXXyments that's reporting unverifiable late payments of 30 days with XXXX XXXX XXXX, and XXXX XXXX which is the same company. 

Transunion shows that I opened an account in XXXX of XXXX and had one late payment in XXXX of XXXX, it was a revolving line of credit. XXXX, shows this same account with a different account number as a revolving line of credit with my XXXX payment on time, but my XXXX payment late. XXXX, is reporting this same account with the account number the same as the XXXX  report, but my XXXX payment was on time and my XXXX payment as late. The information is not consistent across the three reports for the same account. I have asked that this information be verified multiple times and have been unsuccessful to date. 

These same credit reporting agencies are reporting that I opened an account in XXXX of XXXX. On this account Transunion is reporting it as a revolving line of credit with one late payment in XX/XX/XXXX and XXXX of XXXX and one late payment in XXXX of XXXX. 
Equifax is reporting this same account with a different account number under the company name of XXXX XXXX as a revolving line with a late payment in XX/XX/XXXX and XXXX of XXXX. 
XXXX  is reporting this account with a XXXX limit ( the other account have no limit ) as a revolving credit with late payments of XX/XX/XXXX XXXX of XXXX and XXXX of XXXX and the account number is the same as the one on the XXXX  report. 

These 2 accounts are infact duplicate accounts and I have never paid late.

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 2019-05-29
Company: LendingPoint Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
got a call from lendingpoint they promise to get me a loan XXXX.upon checking my credit they said that i was approuved, later they ask for my XXXX XXXX XXXXXXXX password . then they ask for my XXXX statement. everything was submitted. never got this loan they used unfair and discriminatory practices, collecting password, doing hard inquiry, pulling credit report and so on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.

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 2019-11-14
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified Consultant insist that I had a XXXX phone in my name I have worked for XXXX XXXX XXXX for the last 25 years I have never owned a XXXX phone if there was a XXXX phone in my name it was the result of idenity theft we get free phones at my job. So why would I even own a XXXX   phone. Now Diversified Consultants have bought the account from XXXX and is demanding I settle or pay the bill that I have no knowledge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Phelan Hallinan Diamond & Jones, PC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
According with those criminals and looter organizer is a crime to make public there criminal activity done illegal and fraudulent inside your property in a top secret close door act If this is no enough evidence that destroying the credibility of ownership in USA is consider what? Those criminal ca lie until we meet in criminal court After it we close the door and put those criminals in prison for looting property where a owner has no financial obligation. I will never stop looters count on it until I drain your filthy face of looting and criminal activity in USA, How long those criminals continue to lie We will meet in criminal court and federal court soon count in it XXXX  and Phelan Hallinan pettifogger lawyers including this assistant ( or a clerical cover-up artist ) XXXX XXXX XXXX organize the theft, looting, vandalism, burglary and criminal activity inside a property when the case is in Courts NOW and again in a criminal top secret close door act. It is very hard to understand how come only now document appear presented by this pettifogger assistant XXXX XXXX XXXX. How convenient to send documents after looting, vandalism criminal trespassing and complete destruction of the property. Only a criminal organization that even lie to their own clients by triple charging them abusing their trust can loot property in this top secret close door criminal act of fraud. Those pettifogger lawyers knew that is a close in community and I will have no access inside until I get back my property. Also they been informed by XXXX that I will be in XXXX to prove the fraud was done with forge documents and immediately organized their criminal activity to loot and stole everything from inside my house for this reason I will ask again looter I XXXX to put back inside my property all stolen items before we meet in criminal courts.????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was released from XXXX  on XX/XX/XXXX, 2021. While I was in XXXX  someone filled for my stimulus check. I believe it was my ex wife. I was told child support got the first check so I filled for the second XXXX XXXX dollar stimulus and it was sent the day I was released to the same account number the first check was sent to. I need that account froze and investigated please.

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 2017-12-11
Company: Collection Bureau Services, Inc.
State: MT
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: Problem with personal statement of dispute

Complaint:
Collection Bureau Services Inc, XXXX XXXX XXXX XXXX, MT XXXX This collection agency did not report back the account information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/2022, I the consumer, have been in receipt of a response made by Resurgent Capital Services, " they ''. 

This complaint is in response to Resurgent Capital Services, Reference Number : XXXX. 

As of XX/XX/2022 I was informed that Resurgent Capital Services became the Owner of an Account which contains an alleged debt as they purchased the Account with XXXX XXXX XXXX  XXXX. It is noted that the Account charged off on XX/XX/2022 with a balance of {$900.00}. As of XX/XX/2022 I have never made any direct contact with Resurgent Capital Services, I have never provided them with any consent that I would like to do business with Resurgent Capital Services, and I have not received any communication from Resurgent Capital Services which indicates that I lawfully owe Resurgent Capital Services {$900.00}. 

I am aware that the banking system depends on fair and accurate credit reporting and I am saddened to know that there have been unfair and inaccurate credit reports furnished without my consent to Consumer Reporting Agencies, " cras '' which is not in accordance with the Fair Credit Reporting Act. 

Due to this companies negligent and unlawful behavior, I regretfully will stop doing business with anyone unless my concerns are addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
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: Information is missing that should be on the report

Complaint:
Equifax has the wrong name and address for my credit report, I have moved twice and been married. My name is changed with social security, credit cards, bank, etc and has been for several years. I am trying to get a mortgage, and this incorrect info on the report is preventing my family from being approved, and could possibly kill our deal. Equifax through over 20 different conversations with their call center has given us multiple different instructions on how to resolve this issue, turns out the only way is by mail or by fax. The only way to correct my personal information is with copies of my social security card, DL, marriage certificate, etc all faxed to their call centers in either XXXX or XXXX XXXX. This is exposing my sensitive information via a very unsecure method ( fax ) to potential identity theft scenario. Both other credit rating agencies have my correct information and we never contacted them. Equifax claims that if I wanted the info updated since I turned XXXX in XX/XX/XXXX, I should have done this years ago and that it is my responsibility to let them know of every life change. I believe this is an unfair and unethical practice. I also believe that if I want my personal information changed that I should be able to do it via phone or online ( it is XX/XX/XXXX ). This is totally unexpected and as a result we are unable procure funding for our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: BARCLAYS BANK DELAWARE
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I am concerned about Barclays ' accounting system. 

I had a negative balance on XX/XX/2020 for XXXX cents. Barclays did a " Balance Adjustment '' and debited my account XXXX cents to bring it to a zero balance. I am concerned how much money Barclays is pocketing if this is happening to numerous customers. 

This is not the only time that it happen to me. On XX/XX/2020 I had a negative balance of XXXX cents and again they did a Balance Adjustment and debited my account XXXX cents to get to a XXXX  balance. 

So in two months they put XXXX cents of my money into their pockets. I understand that it is only XXXX cents but I am looking at the big picture in that if they had a large number of customers this can add up to be a large dollar amount. 

It just seems like a SCAM and would like to know where does this money go?

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 2018-07-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, 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:
Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the XXXX, Experian and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while XXXX  and Experian refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, etc.

1-XXXX XXXX XXXX  2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX 9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX  14-XXXX XXXX 15-XXXX XXXX XXXX 16-XXXX XXXX 17-XXXX XXXX 18-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXXXXXX XXXX  is reporting the account attached incorrectly. The open date on XXXX and Experian is XX/XX/2015 and on XXXX its XX/XX/2015. The past due amount on XXXX  and Experian is XXXX and on XXXX its XXXX. On XXXX and Experian it shows 120 days past due and on XXXX it shows 90 days past due. If all of this information is produced from the same place and sent to all three bureaus why is it incorrect? I would like this account deleted from all three bureaus since nothing matches up.

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