BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX Ocwen has delay the short sale for the following property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I have provided all the documentation since XX/XX/XXXX. There has been 2 full appraisals and 4 BPO. There is a foreclosure date set for XX/XX/XXXX. I believe that Ocwen on purpose is delaying the process so the property can be foreclosed. I have evidence that the short sale department on purpose over looked documentation that was emailed to the short sale department. I emailed and fax 8 pages of evidence to liquidation appeals department including a document showing seller was contributing {$5000.00} to the mortgage Insurance company on XX/XX/XXXX, that same day the file was escalated to the underwriter I called on the XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX the agent ID XXXX told me to that the underwriter has all documents it needs and that they will need 48 hours for the approval letter and that by then Friday XX/XX/XXXX would be the latest for the approval letter. At XXXX XXXX this evening I recieved a text from XXXX XXXX XXXX  informing me that an appraisal has been order by Ocwen, more delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Continental Finance Company, LLC
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wrote XXXX/Continental Finance Company on XX/XX/XXXX for a goodwill adjustment. On XX/XX/XXXX, I received a letter back stating the adjustment would not and/or could not be modified or delete the request. I again wrote again to XXXX/Continental Finance Company on XX/XX/XXXX and received a letter back XX/XX/XXXX stating the same exact thing a before, the adjustment would not and/or could not be modified or deleted. I have called several time and spoken with many representatives there and the late payment that is reporting for XX/XX/XXXX could not be verified in the system. I have also emailed the customer service email address trying to rectify this issue.

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 2020-11-12
Company: First National Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First National Collection Bureau , Inc Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX, XXXX Debt Description : XXXXXXXX Original Account # XXXX Ref # XXXX Total Due : {$27000.00} XX/XX/XXXXThis debt has been disputed for 15+ years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original account statements has been requested by me from XXXX XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXX ect.ect.ect . by certified mail ( have all the proof ) Check all your files it is all in there, sofar all mine complaint, disputes and request for complete validations have been ignored, also all mine complaints with XX/XX/XXXX, CFPB and FTC. 
Why is First Natinal Collection Bureau , Inc knowing all of this with no proof of any kind trying to collect in behalf of XXXX XXXX XXXX with no proof of any kind ever provided and so did none of the others. 
Your all in violation of the fair debt collection act. The fair credit reporting act.and defamation of charather. 
I demand a immediate respond to my complaint Knowing all of this i will also consult my legal counsil for suit. 
I will also file another complaint with the FTC, XX/XX/XXXX and the Attorney Genral 's office. 
A COMPLETE AND FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had one cash advance 15 years ago ( so long ago that they can not tell how much it was for. ) Since, they have applied ALL of my purchases in 15 years toward the higher interest rate ( as a cash advance at 25.99 % rather than the purchase interest at 18.99 %. ) I contend that Discover Card has overcharged me for interest for 15 years.

I have tried on multiple occasions to resolve this with the company. I have watched every purchase since be placed under the 'cash advance ' higher rate.

They can not help, and their description of how they are conducting their process seem deceptive at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our house financed with XXXX. We turned ownership to the new owner XX/XX/XXXX. My first call to XXXX was on the XX/XX/XXXX. I inquired as to {$2500.00} escrow money that was to be released back to us. They told me that it would be up to 14 days. I called the 2nd time on the XX/XX/XXXX which allowed 17 days. I asked the individual handling my account to put a stop payment on the 1st checkand to Expedite the check. He assured me that he would expedite the check and assured me that I would have the check in 5 days. 
XX/XX/XXXX I called for the third time and demanded that the money be directly deposited into our bank account. The customer service manager acknowledged receiving all pertinent information needed to direct deposit the money into our account. She very clearly told me that she would call me when the individual responsible for wiring the money was done wiring it. I provided all the information by XXXX XXXX   Pacific Time. She indicated that it needed to be there prior to XXXX XXXX Pacific Time. 
I have received no call, nor has the money gone into my account. 
I have been lied to, and as far as I can tell they are refusing to release the funds to us. Their deceptive practices are illegal and are completely hinging on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter from Allied International Credit Corp ( AIC ) today ( XX/XX/2020 ) the letter is dated from XX/XX/XXXX and I do check my mail daily. They claim they are representing XXXX for a debt owed in the amount of {$300.00}. They claimed that their client has reached out numerous times without success, untrue of course. They provide no dates or relevant account numbers that I may use for a reference. I do not own an XXXX XXXX credit card and I have no debts to either XXXX XXXX   or XXXX nor have I ever. Today ( XX/XX/2020 ) I called XXXX and XXXX credit cards to see if there has been any fraudulent activity in any way and my account was perfect. This is like an extortion attempt. I don't want my credit to be damaged by a bogus debt claim. I am reluctant to provide this person or company with any personal information as their claim is completely fabricated. I don't know how to defend myself other than filing this complaint and submitting the snail mail they sent me. I have seen a pattern of this practice by this company when online searching their company name combined with XXXX and reviewing complaints on the XXXX. Help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, 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 had initiated a dispute with Equifax on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Equifax of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by Equifax for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
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:
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, ACCT # XXXX - XXXX XXXXXXXX XXXX XXXX XXXX, AS OF XXXX XXXX, XXXX {$320.00} AT : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this credit collection entry. I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. 
XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You are n't as much ... why? 
REMOVE THIS 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 non-monetary relief
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
Bank of America still reported account reported opened fraudulent in my name trying too many time Talk and never remover account

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 2018-06-28
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i disputed this account several times even sent them documentation stating that the debt was not mine, someone forge my signature on a document stating that I owe this money, I never sign any documents and the signature is lapsing over another signature. When I talk to the credit bureau they where really rude about it and will not dispute the item for me anymore. The amount showing I owe is for XXXX and XXXX for XXXX I am not pleased how my situation has been handle at all.

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 2018-12-28
Company: Innovis
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XX/XX/XXXX. I am currently Self Employed XXXX XXXX XXXX XXXX My current and only address XXXX XXXX XXXX, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no agreement with this company, Portfolio Recovery Associates ( PRA ). Any agreement would be fraudulent, as I have never formed any kind of agreement with PRA. I have repeatedly asked for proof of an agreement between myself and PRA, and for about one year now, and PRA has been unable to provide any proof of an actual agreement, all PRA sends me is a copy of a a sheet showing a balance, they have yet to show me a contract or anything remotely close to an agreement. Yet PRA continues to fraudulently report two accounts that are NOT mine. Simply saying someone or some group of people owe money for an account should not be reason enough to publish on a credit report or such a like. Proof of an agreement should be required, which shows a meeting of the minds to form a contract. None of these requirements have been met by PRA, and furthermore these requirements have been requested and PRA has had approximately one year to provide the requested information and PRA has failed to provide any documentation or a like of any agreements between myself and PRA, as such these two accounts should be removed from all credit reporting. PRA has failed to meet more than two requirements of the FCRA. I will continue to file a complaint every 30 days, and in doing so the law will force PRA to use and lose their assets to try and explain their lie. I do not owe PRA anything and PRA will never get anything from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not able to obtain housing because Navient is reporting 3 late payments on two different loans for a total of 6 late payments. I lost my job in XX/XX/2018. I became XXXX in XXXX 2018. I am a single mother. I recently gained full time steady employment and I have attempted to obtain housing and I am unable to because of these late payments. I was working less than 30 hours a week for the last year and I am still XXXX. I was on unemployment from XXXX XXXX  to XX/XX/2018 and I was on public assistance for even longer than that. I received these late payments during a time when my focus was on providing for me and my child. My unemployment forbearance was granted in 2018 and back dated but the late payments are still being reported. I have tried to resolve this issue with Navient and have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: ID Analytics, 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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My date of birth is XXXX. I am currently Self Employed XXXX Independent XXXX LLC My current and only address XXXX XXXX CT, XXXX, OH XXXX the following addresses are not mine please delete them. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-03-21
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Shellpoint Mortgage and they foreclosed XX/XX/XXXX. In XX/XX/XXXX they placed Lender Placed Insurance on my account. I had a condo, the condo association has a master policy with coverage on the property. All the necessary paperwork was emailed to Shellpoint and the supervisor of the insurance department emailed me to confirm. My mortgage was {$930.00}. For the months of XXXX, XXXX and XXXX Shellpoint had me owing {$1200.00} and change and then for XXXX {$970.00} and change. I have been calling and arguing with this company since XX/XX/XXXX thru XX/XX/XXXX to fix the amounts since the Lender placed insurance was canceled. I received a foreclosure notice in XXXX. They still have not fixed anything ; they foreclosed on XX/XX/XXXX and now are trying to offer me {$4000.00} to vacate the property and it must be signed by Fri XX/XX/XXXX. I would like an analysis of my account completed. Although my property is already foreclosed on, I do not want them to do this injustice to any other home owner and wrongly foreclose on their property due to negligence to get the corrected amount so people can pay their mortgages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: United Revenue Corporation
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:
I asked for proof to verify this debt belongs to me, they have only sent me a typed up statement with a name on it, this does not verify that this debt belongs to me. The company has failed to send orginal documentation to validate and verify this debt is mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions 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 an inquiry from XXXX XXXX dated XX/XX/2019 that i did not authorize. I have written the bank and they have responded that they have rerquested experian remove the inquiry in question.

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 2018-04-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorized the hard credit checks ; by company

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 2019-03-21
Company: Halsted Financial Services, LLC.
State: IL
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:
Halsted Financial Services is a spam. They told me they were sent by value city to collect on their behalf. However ; they wasnt, they couldnt provide me with my original contract. Before paying the debt, they harassed me with phone calls and claiming they would repeat this to my credit bureau within 30 days. I finally paid the {$1500.00} on XX/XX/XXXX. They took {$1500.00} from me. XX/XX/XXXX, I called asking them why is it showing up on my credit report and they lied saying that they can not report that I paid this balance. This is was not told to me when I paid the money. I am really upset with this company. This company needs to be dealt with and I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is reporting an account on my credit report on behalf of Portfolio recovery associates. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. Portfolio is listed a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every morning just after XXXX XXXX. I get a call from XXXX. Answered the call today and someone asked for a person I have never heard of. Because of their corrupt practices it may be someone in my neighborhood that they are trying to shame into paying a debt. A check of that number comes back to XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on the do not call list and would like to see these people pay for what they are doing. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. When I got to the end of this form it makes no sense, I am only harassed because they call my phone number. I owe no debt and so the questions on you form make not sense.

Company response to consumer: Closed with explanation