BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a letter from AFNI Collections Stating that they I owed " XXXX '' $ XXXX.And they were collecting alleged debt. 
I contacted XXXX, in which I have been a customer of since XXXX. Paying for my service via direct withdrawal, never delinquent. 
After contacting XXXX they discovered I had " another account '' as a result of identity theft They created a report for their identity theft team to investigate. I'm waiting to be contacted from such team. However I do not want my credit to be compromised as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX. While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: AR
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:
ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! EXPERIAN ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.

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 2021-09-15
Company: TRANSWORLD SYSTEMS INC
State: AR
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:
ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've been reaching out to the credit agencies about false reporting on my credit profile these past years. There is a bankruptcy filing item on my credit report that doesn't belong to me as i've never filed bankruptcy, ever. Overtime I disputed the item as fraud and inaccurate, XXXX  completed their investigation and did their job in removing this item in a span of 30days, quicktime, as they should have. But both Transunion and XXXX  seem to insist that they have validation/verification of such filing from 3rd party vendors in XXXX and the Bk Courthouse. Well i infact have been disputing with them as well on this matter and they have both ruled investigations in my favor, through mail correspondence. XXXX has explained they could not validate or verify such information belonged to me so they removed any bankruptcy filing information that was previously attached to my name out of their database. And the Bankruptcy Courthouse themselves, who would be the ones who originated such filing, have emphatically stated they could not locate such docket # filing. And they've stated this kind of verification or validation is not what they do at all, it is not their responsibility to validate or verify any public recording with credit agencies. Public record information is NEVER validated by U.S court systems due to the Fair Credit Reporting Agency Law of PRIVACY! So all of these verification/validation response letters to my dispute from both transunion and XXXX  have been false and illegal. This is unfair business practicing on consumers, I am puzzled that this is happening and sad to know that i am surely only 1 of millions victimize to such false reportings.

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 2019-05-22
Company: EQUIFAX, INC.
State: UT
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, or do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: United Revenue Corporation
State: TX
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 my third and final attempt to ask United Revenue Corp to remove their erroneous debt claim off of my credit reports. As previously stated I do not have a signed contract with United Revenue Corp. I have never done business with United Revenue Corp. I have asked for proper validation twice by mail and three time via XXXX  and CFPB. Again United Revenue Corp has FAILED to provide the proper validation that meets FRCA regulation. United Revenue Corp even states themselves that that have provided verification. I am not asking for verification. I am asking for validation. United Revenue Corp claims that no inaccuracies were found in their report to XXXX and investigation in this account but their documentation is shown in response XXXX for a XXXX XXXX, which is clearly NOT me. This is why I as the consumer have the right to ask for PROPER VALIDATION. The next time United Revenue Corp hears from me will be through litigation if they do not remove their erroneous, non-validated account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home insurance premium is past due. It was due XX/XX/2018 and I have confirmed with XXXX today that Wells Fargo has not paid our premium on our behalf from our escrow. Additionally, they have increased our escrow payment significantly each year in the past two years since we purchased our home. Our payment is now almost {$200.00} more than it was when we signed our fixed rate mortgage. Its soon to be {$75.00} more than that, with their estimated escrow increase. 
Our taxes have increased, but only slightly, not {$2400.00} a year. 
Finally, I want to get out of escrow with them and they said I have to use their appraisal company to appraise my house to see if we have 20 % ownership.

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 2021-09-15
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In mid of XXXX, my daughter XXXX XXXX email received two bank accounts opened on behalf of XXXX XXXX one of them is BB & T : this bank opened two accounts without either phone or email verification. On XX/XX/XXXX, I went to BB & T in person to close the account, and set a security alert in XXXX XXXX XXXX. However, today I received another notice saying that on XX/XX/XXXX, my account was overdraft for XXXX dollars, which was supposed closed already on XX/XX/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 2019-09-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2019 Dear Sir or Madam : I have attempted to make several payments, 21 of them and not until the 22nd payment it went through. There was an error in my account number so the payments kept getting declined but unaware of because I was in the process of moving addresses. The card company only attempted to contact me twice and one of the calls was to see a payment in which I made. If I have known the account number was incorrect I wouldve resolved it immediately since my credit score was good before the charge backs. These 21 attempts are what put my credit score to a major decrease. I would always make a payment a week before due date or on time for the card. My latest payment paid the card entirely because I didnt want to deal with the card again. When I made the payment via phone call the employee never informed me the account number was wrong nor did the website it stated my bank. I had months in which I ways making payments unknowingly having them declined because of an error not stated with the website nor the employees. I would like these payments to be dismissed or decreased if possible. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the collection company they said I had a credit card opened from billed XXXX on XX/XX/2017 beginning balance of XXXX and ending balance of XXXX which never received any payments but I never opened up an account through them or XXXX XXXX  XXXX company and I had a fraud alert on my XXXX  so I need this to be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I have been disputing the inaccuracy of this XXXX XXXX account, and requested proof that this account even belongs to me, such as the original contract with my signature, but the CRA 's have failed to do so and failed to do so within the 30 day period. They are continuing to report XXXX XXXX XXXX, account # XXXX when theres obviously no proof that it even belongs to me. m not saying this is identity theft, but what I am saying is that the CRA 's are required to report all accounts accurately and completely and I know for a fact they didnt verify this account! Wheres the contract with my signature? How can they possibly say that the creditor has verified this account. I have also disputed this information directly with the collections agency and they sent me back a letter stating that a copy of transaction with my name on it verifies that this account belongs to me. Where is the application or contract with my signature? They continuously refuse to provide that information that can assist in accuracy of reporting. Obviously, they do not have verifiable proof that this account belongs to me. I have repeatedly asked to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. Additionally, I asked the CRA 's that they are required by law under section 609 protects me against false reporting and I should point out here that thats exactly what this is!

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 2019-05-02
Company: Ocwen Financial Corporation
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute the response from the creditor Ocwen Loan Servicing, LLC. 

First of, this is a joint account that is being reported as an individual account- and this is my issue, Ocwen continued to report delinquencies on my account even after I attempted so many times to obtain information on the account to bring it to good standing. Their reason was I was not privileged to that information because the CO BORROWER on the account was in a BK yet they continued to individually report derogatory information on my credit. 

Additionally, even when I blindly made the payments, they always had the past due amounts inaccurate. For example : in their recent response they reported i was 3 months behind for the last 4 months of XXXX, XXXX, XXXX and XXXX of XXXX ; In XXXX of XXXX i did make 3 payments as reported to bring the account current but they still reported that we were 3 months behind in the month of XX/XX/XXXX, i would get inconsistent information and no help to clarify the outstanding balances provided from Ocwen. When I contacted Ocwen on XX/XX/XXXX regarding their recent response their agent told me it is because I was still 3 months behind yet that is not what they reported in the previous months. Many a time the statements mailed out did not reflect the correct outstanding balances and it was hard to confirm the correct amount because of lack of correct information or willingness to provide me with the account information. 

I do not agree with such business practices that is why am reaching out. I tried reaching Ocwen Research department fax # XXXX and I did not get any response from them. 

I appreciate your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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: Account information incorrect

Complaint:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Ocwen Financial Corporation
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:
I previously had a loan with Ocwen Loan Servicing. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from Ocwen, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from Ocwen dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, Ocwen reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that Ocwen refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that Ocwen make a correction with the credit bureaus removing the late payment from my credit report. Ocwen refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: SUN WEST MORTGAGE COMPANY, INC.
State: OH
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:
Dear dame or sir, Yesterday, I had just received a letter from a lady whose name is " XXXX XXXX '' from a mortgage company named " Sun West Mortgage Company , Inc. NMLS XXXX ''. Other than my credit scores included in her letter, I did not understand anything else out of this letter at all. I have no communication of any kind with this lady or her company. Other than " XXXX XXXX XXXX XXXX XXXX XXXX  '', which I had already submitted a complaint against with you last week, I do not have any kind of communication at all with this particular company! Unless both companies are connected somehow, which I defintely have no idea about. I had tried to call the phone number she provided in her letter many times, without any kind of answers at all. Meanwhile, I left her 3 different messages to call me back, which had never happened. 
I have no idea what to do with this lady or company who is asking me to sign a paper called " Fact Act Notice '', which I DO NOT REALLY UNDERSTAND and HAVE NO IDEA WHAT ABOUT?! Therfore, I decided NOT TO SIGN THIS PAPER AND SUBMIT ANOTHER CLAIM WITH YOU AGAINST THIS LADY AND HER COMPANY, WHICH I HAVE NO DEALS WITH OF ANY KIND. 
I would really appreciate taking care of this second `serious and major trouble of my terminal stage of my life, which I have no idea what to do with. If this company ( Sun West ) is a part of the other one ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX and unable to peocess my refinance for my houses, I WOULD REALLY APPRECIATE TO ASK THEM GETTING MY {$3000.00} BACK. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions 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:
Student loans reporting all inaccurate information. The loans are up to date and rehabilitated. XXXX XXXX Trust, Department XXXX, XXXX, & XXXX XXXX. Please update my Student loan information to reflect the true accuracy. Since there are so many errors reporting on loan information I asking for all other adverse be updated. 
XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX are all paid as agreed and have never been delinquent on the dates listed on my credit reports.

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 2018-02-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report when i tried to applied for a mortgage with XXXX XXXX XXXX XXXX. Upon going through my credit report, i noticed 4 accounts being reported as collection accounts with the following collection companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. 
These accounts do not belong to me. I sent out a validation of debt letter to all 4 collection companies and i did not get any reply back from them. It has been over 3 months and no reply from them. I disputed the accounts with all 3 credit bureaus ( XXXX, XXXX  and Experian ). All the 4 collection accounts where deleted by XX/XX/ but XXXX  XXXX  and Experian continue to report these accounts even though they have no proof that these accounts belong to me. I sent an initial dispute letter on XX/XX/ and i did not get any reply from them ( XXXX XXXX and Experian ) and i sent a second follow up letter on the XX/XX/XXXXand still did not get a reply from them. Yet they are still reporting this in-accurate information. The collections companies keep calling my phone and pressuring me to accept a debt that i do not owe. Even if i owed XXXX XXXX XXXX, it is passed the statute of Limitations for debt collection for the state of Florida.They have not been able to validate the debt and it is still being reported by the credit bureau.

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