BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen is charging me late payment fees monthly for a past due balance that was paid through my bankruptcy. Thus, each month, during the bankruptcy while I was making my on time payments through the trustee, they were applying the payment to the previous month. My bankruptcy was discharge in XXXX XXXX with all of my account current. However, Ocwen is claiming that my account when they received in XXXX XXXX was still past due. Thus, each month, during the bankruptcy and now, while I was making my on time payments they were applying the payment to the previous month. Ocwen is currently reporting me to the credit agencies as delinquent when it is not. I make on time monthly payments each month. 

I have tried to resolve this several time and have requested payment history 3 times. Ocwen has not sent me this information. My last attempt was today XXXX XXXX, XXXX when I spoke with XXXX repersenative id # XXXX. I have also tried to create an account on their online page so that I could access my payment history but I can not get access to my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act account number XXXX has violated my rights 15 i 15 u.s.c 1681 section 602 A ..state that I have the right to privacy. 15usx. 15 u.s.c 1681 section 604 A section 2 it also. States a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: VW Credit
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Numerous calls to cell phone for another person who allegedly owes money to XXXX. Advised them that the person doesnt own this number and we have never owned a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: Green Square Company LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a voicemail from PRG regarding a civil matter and a claim in imminent default. Was unable to ascertain name of individual that left message. Phone number left was XXXX. 
I called number back and was told this was a debt from XX/XX/XXXX in the amount of ~ {$570.00}. I asked to receive some verification of the debt, and was told that PRG does not have this information. I was transferred to another representative, a XXXX XXXX the " Settlement director. '' XXXX seemed to be confused as to why I could possibly want the debt verified, and proceeded to verbally badger me about the " type of person '' I am, and that they do not have the information. 
I repeatedly asked to have some written verification of the debt, and was told flat out " no. '' I then told the representative that I did not want to be contacted anymore by them, and was told " no '' to this as well. 
I repeated that if they were not going to send me any kind of verification of the debt, that I did not want to be contacted by them again. I was told no, they will keep calling until they get their money. 
Very rude and seems super illegal. Isn't this what the fair debt collection act was supposed to help with? Just a simple XXXX search of " PRG Collection '' shows multiple complaints. Can something be done about these rude con artists?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have written the credit bureaus several times about the inaccurate information that are reporting. Ive asked them to stop reporting the inaccurate information and they will not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!

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 2017-04-25
Company: GMA Investments, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Summit recovery continues to call my business line and leave messages although i have asked for proof of debt in writing. I do not know anything about this debt, they state it is for a payday loan which is illegal in the state of arizona, so I suspect this is an attempt to fraudulently attempt to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter dated XX/XX/21 was sent to my parents house by XXXX XXXX XXXX stating that I owe {$230000.00} in XXXX student loans to a company named XXXX. I have never taken out a student loan, nor have I ever worked with XXXX. I do not owe on any student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

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 2018-05-18
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: Information belongs to someone else

Complaint:
XXXX XXXX  posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay XXXX for student Loan, she asked me for my birth date. I said I don't have any account with XXXX I never signed any application form for student loan with XXXX. Please, send me the application form that I signed for Student Loan with XXXX. 
The second time, I spoke with XXXX from XXXX. XXXX asked to send my signature to XXXX. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature. 
After receiving those copies, XXXX told me they need a more recent copy. I said I do not have recent copy. 

Despite my effort, XXXX is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, 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 2018-05-31
Company: Experian Information Solutions Inc.
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:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX  {$620.00} XXXX. XXXX XXXX {$620.00} XXXX. Pa Child Support XXXX {$1100.00} XXXX. XXXX {$1300.00}

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 2022-08-15
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 belongs to someone else

Complaint:
There is a company XXXX XXXX XXXX XXXX. whom is reporting a collection on my credit reports XXXX XXXX, Equifax, and XXXX is not removing this account in the amount of {$13000.00} i did not open this account the account was open fraudulently i reported this to the company i filed a police report and a FTC report and sent copies of the reports to this company they are refusing to remove this account from my credit report and are violating the fair credit reporting act. 

This negative account on my credit report is preventing me from getting a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Was not notified of investigation status or results

Complaint:
Equifax VALIDATE THE INFORMATION REQUESTED Acct # XXXX you state verified that is a violation under the FCRA but validate this account, who you spoke to their name, Employ ID # contact information what was said in Detail both parties, any associates you may have talked to a copy of original contract with my signature, payment history date last payment, balance Equifax your name who did the investigation this account Employee ID # your contact information also you are reporting past due a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Ocwen Financial Corporation
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Counterfeit Docu ments filed,  XXXX , i n Register r of De eds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX , Page  XXXX  Filed Documents do not contain the lawful signature of   XXXX   XXXX    XXXX  Notice of this filed Register of Deeds Office,  XXXX   XXXX  County Michigan  XXXX   XXXX  , Page  XXXX  Mortgage was lawfully rescinded  XXXX   XXXX ,  XXXX .  TILA ( Tr uth in Lending A ct, 15 USC 1601 et seq ; 12 CFR Part 226 )  Proper Notice of Rescission filed in Register of Deeds Office,  XXXX   XXXX   XXXX  Michigan.  XXXX    XXXX  Page XXXX  Assignment of Rescinded Mortgage created by  XXXX   XXXX ,  XXXX   XXXX  filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX  Page  XXXX   OCWEN LOAN SERVICING, LLC,. then filed a CORPORATE ASSIGNMENT OF MORTGAGE in Register of Deeds Office,  XXXX   XXXX  County Michigan.  XXXX   XXXX , Page  XXXX  OCWEN LOAN SERVICING, LLC now attempting to establish a ESCROW Account Statement dated  XX/XX/2017  against  XXXX   XXXX   XXXX  for a lawfully rescinded mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: EQUIFAX, INC.
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:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, We previously had a credit card with Capital One in my wife 's name, 'XXXX   '. We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX offering a settlement on behalf of Capital One for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either XXXX XXXX XXXX or Capital One since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXX XXXX XXXX on behalf of Capital One ( File # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from XXXX XXXX XXXX XXXX or Capital One. 

XXXX we tried to call Capital One, but was routed to XXXX XXXX XXXX XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to Capital One right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by Capital One. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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 2021-03-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
o I am a member of SECU my name is XXXX XXXX. I have a concern with a change that has been made within the bank that is affect me personally. Something like the salary advance loan that you have, I use about 3 apps that use XXXX to connect banks in order for me to advance some funds until my next paycheck. With covid & with my children this helps me to a MAJOR extent so that my children and I are not without. I called to speak to someone about it & she was very nonchalant about the situation as if we are not in the middle of pandemic and peoples hours arent cut short, like we cant use all the help that we can get. Im sure I can not be the only member affected by this change. So now my next paycheck Im going to be losing about {$300.00} dollars that i wont be able to get back because of this XXXX policy. With this change are you all planning to help customer who experience a loss in situations or you all just dont care??? Im confused Ive always trusted a credit union no notice of this change or nothing so I couldve known not to advance. It is very much an inconvenience!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all  XXXX  credit bureaus and all three have found this company and debt fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX does not follow their published payoff terms and dates After vtrying to notify them of my fathers death they asked for a copy of trust agreement showing me a the trustee which I mailed on the day they gave me the information they requested however three days later I receive a letter stating that I had 8 days to respond to this letter which said they did an inspection and need me to prove intent to sell and that I was maintaining the property when they had already received that info and if not rectified they would change locks and proceed with charging me fees. after looking this company up on line they have numerous complaints about the same unethical practices.This has been going on for years and no action has been taken by any government agencies. these other people lost homes due to the misrepresentation of this company I feel like no one cares as this company basically steals the people money

Company response to consumer: Closed with explanation