BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-10
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS MY SECOND COMPLAINT FILED AGAINST OCWEN LOAN FINANCING. THE FIRST COMPLAINT WAS FILED XX/XX/2015. THE COMPLAINT NUMBER WAS XXXX. FOUR YEARS LATER, THERE ARE STILL MANY UNRESOLVED ISSUES. OUR LOAN WAS TRANSFERRED FROM XXXX XXXX   TO OCWEN LOAN SERVICING. WE STARTED GETTING DOCUMENTATION IN TWO DIFFERENT NAMES. WE WERE ONLY AWARE OF ONE LOAN. HALF THE DOCUMENTATION SENT IN THE ANSWER TO THE ORIGINAL CFPB COMPLAINT WAS STILL UNDER TWO DIFFERENT NAMES. THIS WAS EVEN FOUR YEARS AFTER OUR PAYMENTS WENT MISSING. THIS APPEARS TO STILL BE AN ISSUE. OUR PAYMENTS WERE NOT BEING PROCESSED. WE WERE BEING SUED FOR A DEFAULT, ON TWO DIFFERENT LOANS, ON THE SAME PROPERTY, AT THE SAME TIME, BY THE SAME MORTGAGE COMPANY. A FORECLOSURE WAS STARTED. OCWEN SAID TWO OPEN LOANS SHOWED UP UNDER MY SOCIAL SECURITY NUMBER. AFTER OUR COMPLAINT TO CFPB, OCWEN SAID, ONCE WE MADE THEM AWARE OF THIS ERROR, THAT THERE WAS ONLY ONE LOAN, THE ERROR WAS CORRECTED. OCWEN ASSURED US THE PAYMENTS WERE PROPERLY APPLIED BUT THIS WAS FOUR YEARS AFTER THE ORIGINAL FORECLOSURE. SINCE THAT TIME, FIVE DIFFERENT FORECLOSURE ACTIONS HAVE BEEN FILED AND EITHER DISMISSED OR THE SALE AUTHORIZATION DENIED. OCWEN KEPT FILING FORECLOSURE LAWSUITS WITH NO RESOLUTION TO THE ORIGINAL MATTER. THESE FORECLOSURE LAWSUITS HAD TO BE DEFENDED. OVER {$12000.00} IN FORECLOSURE FEES AND COSTS HAVE BEEN ADDED TO THE AMOUNT TO CURE THE MORTGAGE LOAN. EVEN THOUGH THE MORTGAGE COMPANY ADMITS THEY MADE THE ERROR, THEY REFUSE TO CREDIT OUR LOAN FOR THESE ILLEGAL FORECLOSURE FEES. WE HAVE ALSO INCURRED TENS OF THOUSANDS OF DOLLARS IN ATTORNEY FEES. WE ARE BEING REQUIRED TO PAY ALL THE FEES AND COSTS THAT RESULTED BECAUSE OF OCWENS ADMITTED ERROR. THE PROPERTY IS CURRENTLY, AGAIN, IN FORECLOSURE. WE REQUESTED CURE FIGURE OVER 90 DAYS AGO AND THEY HAVE STILL NOT BEEN PROVIDED TO US. WE WERE SUPPOSED TO GET THESE CURE FIGURES WITHIN 10 DAYS AFTER REQUESTED. THE REQUEST HAS BEEN IGNORED. WE HAVE BEEN TOLD THAT IF WE SENT IN TO OCWEN, ONLY THE AMOUNT WE THINK IS DUE, THE FUNDS WILL BE RETURNED BECAUSE THEY ARE LESS THAN THE TOTAL AMOUNT OCWEN DECLARES IS ACTUALLY DUE. OCWEN IS NOT INTERESTED IN ALLOWING US TO CURE OR PAY OFF THIS LOAN. OCWEN FORCED A FORECLOSURE THROUGH AN ACCOUNTING ERROR. THEY ADDED EXORBITANT FEES TO THE LOAN BALANCE AND WILL TAKE THE HOME THROUGH FORECLOSURE IF WE CANT PAY THESE FEES. THAT IS NOT JUST COMPENSATION FOR OCWEN ; THAT IS OCWEN TAKING OUR HOME ILLEGALLY. WE SHOULD NOT HAVE TO PAY LEGAL AND FORECLOSURE FEES FORCED ON US BY A MISTAKE CAUSED BY OCWENS OWN ADMITTED ACCOUNTING NEGLIGENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-04-06
Company: U.S. BANCORP
State: MD
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:
They didnt address the issues of my previous complaint. You cant raise an APR and blame it on the credit bureau. My credit score is over XXXX!! Also, Elan should remove the link to check credit or make it active. I dont need a copy of my report, I need them to stop scamming consumers. This has to be addressed. My next stop is the news. Elan Fiancial is a 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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have already provided XXXX with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, Transunion was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, XXXX  applied one, but as of XX/XX/13 Transunion is still allowing access to my file.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2018-11-13
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Express Recovery is reporting debt collections on my credit file that I do not owe. These collections are not mine. I have never received a notice for these, and I have no idea what they are for. Express Recovery will not give m any information on this other than they want to collect a payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an ikea credit card attracted by the promised 5 % cash back on in-store purchases, and has beeing using the card for about 2 years. I was shocked to discover that I only have {$11.00} in rewards accumulated over the past XXXX years of using the XXXX credit card. I called comenity ( the bank who issued my ikea credit card ) today ( XX/XX/2023 ) and asked them where are my rewards. 

During my conversation with a representative from the customer service team, I was informed that reward certificates are issued with every billing statement and that these certificates expire XXXX months after issuance. As I have enrolled in paperless statements, I have been missing out on these reward certificates, as they can only be obtained by downloading billing statements online. 

My primary concern is that I was never notified about the issuance of these reward certificates on a monthly basis. Given the nature of the rewards program and the expiration period, it is disheartening to learn that I have missed out on a substantial amount totaling {$310.00} in rewards. I believe it is unfair for customers who have enrolled in paperless statements to be denied proper notification of rewards issuance. 

Furthermore, while I understand that the terms and conditions XXXX have been outlined in the agreement when I initially opened the account, I do not recall this information being adequately emphasized. It is crucial for customers to be clearly informed about such conditions, especially those that significantly impact their ability to enjoy the benefits of the rewards program. 

I kindly request a thorough investigation into this matter and a review of your notification processes for customers enrolled in paperless statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: ROBINHOOD MARKETS INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
my unemployment chack has been issued XX/XX/2023 robinhood says they have not received funds. my unemployment states they sent the funds to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EdFinancial Services
State: GA
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:
EDFINANCIAL {$3800.00}, {$25000.00}, {$13000.00}, {$25000.00}, {$24000.00}, {$9100.00}, {$9500.00}, {$4800.00}, {$5000.00}, {$2800.00}, {$240.00}, {$2700.00}, and {$5700.00} PURCHASED MY STUDENT LOANS FROM XXXX XXXX AFTER XXXX XXXX REMOVED MY ACCOUNTS on XX/XX/XXXX. SECRETARY OF EDUCATION XXXX XXXX XXXX US SECRETARY OF EDUCATION SENT AN EMAIL ON XX/XX/XXXX, STATING MY STUDENT LOAN DEBT RELIEF APPLICATION HAS BEEN APPROVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I have submitted an investigation/dispute with the credit reporting agencies regarding an alleged " debt '' claimed by XXXX in the amount of {$200.00} All times the agencies have come back with a letter claiming the debt has been proven " valid ''. I've asked on what information is the validity of this debt substantiated yet have not received any documentation to this end. All XXXX has submitted are invoices, but as an attachment I'm including to this complaint serves, the agency tasked with collecting this debt has ceased collection activity due in part to the fact that they can not produce any documentation of a contractual agreement with a start date between XXXX and myself, nor can they produce the documentation of when the services were ended. Of course they won't be able to because it would obliterate their claims of the amount owed. An invoice on it's own does validate debt, because frankly I could generate an invoice and send to XXXX billing them as well as XXXX, XXXX and Equifax for the amount of time I've wasted fighting and disputing this alleged debt and when they don't pay claim it's valid. But without a contractual agreement for the time/services rendered, the invoice on it's own validates NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2018 -XXXX XXXX XXXX contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called XXXX XXXX XXXX -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -XXXX XXXX XXXX contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted XXXX XXXX XXXX -I requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Last Saturday, the XXXX of XXXX, I discovered that my loan 's balance had increased by nearly XXXX dollars. As an example : my statement for last XXXX identifies my remaining balance as, " {$9300.00}. '' My most recent statement ( as of yesterday ) now reads, " XXXX. '' On the following Monday ( the XXXX ) I called and spoke with ( XXXX XXXX, who explained to me that apparently someone with a similar name to my own had been having their payments applied to my own account over the last two years. Thus, they reversed a total of 17 payments.

There are three dilemmas here : First, my wife and I have been making longer term financial plans around what they misrepresented as my status. I now have to amend/change my own plans for the future because of their repeated mistakes. 
Second, one of those plans had been to possibly borrow the money to make the final payment that would close the debt entirely. Had I merely made the payment a week ago, I would be expected to pay a considerably lower amount than I would have to today. 
Third, I no longer have any confidence in any of the numbers that my lender presents to me. They had one task to complete, and they failed at it miserably. This is exacerbated by the fact that they took two years to identify the misdirected payments in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Spring Oaks Capital, LLC
State: PA
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 had issues with Spring Oaks in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. XXXX is reporting that this account was closed by XXXX in XX/XX/XXXX. But Spring Oaks is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! 

Please have this account removed from my report for inaccurate reporting from both of them. 
Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX sent our end of lease statement to an old address. the only way I found out about it a few months later was a negative impact to my credit, which was otherwise excellent. I called the customer service in XX/XX/XXXX and spoke to a representative who took my new address in order to send the statement to me. On XX/XX/XXXX I called customer service since I had not received the statement and the customer service representative said that the information had been inputted incorrectly by the previous representative, which is why I had not received it. In the meantime my credit had decreased another 52 points due to their error. I wrote to the credit dispute department on that day, XX/XX/XXXX, appealing for my credit to be restored. I also made a payment toward the balance at that point. I heard back 4 weeks later that they had denied my appeal. On XX/XX/XXXX I reached out to customer service again, as I still had not received my end of lease statement. I found out at that point that making payments toward the balance was not mitigating the negative impact to my credit, so I paid in full. I wrote another appeal to XXXX XXXX XXXX XXXX Department to have my credit restored due to their mistake. They wrote back 4 weeks later again denying the appeal. I have yet to receive the statement, and have always paid every bill on time, but their negligence in not inputting the information correctly and getting me a copy of the statement prevented me from resolving this issue, and they are not taking responsibilty for it to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: NCB Management Services Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
This is an auto loan account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

NCB Management Services Accnt # : XXXX Opened : XX/XX/2018 Balance : {$12000.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion freeze my credit report for security purposes. I call them and they can't unfreeze my credit report.

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 2019-03-09
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.

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